A review record for the risks you assess.
For E&O carriers writing escrow and settlement. Spoofed email and undocumented wire review are already on the book. Veto gives offices a Review Record — what was checked, what stayed open, who reviewed, what the office did — before money moves.
Building carriers do not invent aluminum-wiring risk — they refuse to leave it unaddressed. Escrow E&O works the same way: social-engineering and wire-instruction failures are losses you already price. A reconstructable review before release is how the office shows the work.
The office decides. Veto records the review.
What sits on the book today.
Independent escrow lives on email and last-minute instruction changes. Domain authentication is one part of understanding email risk. When the wire review lives across messages and memory, reconstructing the office’s work can be difficult.
Email identity
Explore a domain-review procedure and the limits of a past meeting-attendee sample in the DMARC check guide.
After the wire
A Review Record can preserve the office’s sources and work before release — sources, limitations, exception path, named reviewer.
A review practice to evaluate.
Questions for a carrier considering how review documentation fits its own requirements:
- Covered money instructions: which reviews and named exceptions should the office retain before release?
- Material changes: when should a changed instruction require a new office review?
- Visible limitations: which source gaps and unanswered questions should accompany the record?
- Retained evidence: what would underwriting, SIU, or defense counsel need to reconstruct the review?
Veto does not approve wires, verify account ownership, move money, or replace the office's E&O. It records the review the office ran.
Aligned incentives.
Carriers
Make the office’s review available to underwriting and claims teams: the sources considered, open questions, named reviewer, and recorded office action.
Escrow offices
Keep the review and its supporting work together, with unresolved questions visible to owners and officers.
Consumers on the file
A participant’s contribution should remain distinguishable from the office’s review and its decision to act.
If you write escrow E&O.
Discuss a sample Review Record, the domain-review guidance, and what your team would need to evaluate its fit. This page does not establish insurer approval, a coverage requirement, or a measured reduction in claims.