This control plane turns merchant-review snapshots into one operator surface: chargeback pressure, reserve coverage, KYB recency, payout throttles, fraud-rule drift, and manual-review surge posture.
| Risk | Owner | Control family | Subject | Message |
|---|---|---|---|---|
| high stale-merchant-snapshot | Merchant Risk Ops | — | /merchants/subscription-gaming/review-posture | Merchant snapshot for "Subscription gaming processor" is stale and should be refreshed before approval posture is trusted. |
| high chargeback-pressure | Merchant Risk Ops | Chargeback | subscription-gaming / card-not-present lane | Chargeback pressure is too high on "subscription-gaming / card-not-present lane" for a clean merchant-risk posture. |
| high kyb-refresh-overdue | FinTech Underwriting | Kyb | subscription-gaming / beneficial-owner packet | KYB and beneficial-owner evidence is stale on "subscription-gaming / beneficial-owner packet". |
| high reserve-gap | Treasury Risk | Reserve | cross-border-marketplace / reserve floor | Reserve coverage is incomplete on "cross-border-marketplace / reserve floor". |
| high volume-spike-without-review | Fraud Operations | Volume | cross-border-marketplace / weekend surge review queue | Volume growth outran manual review coverage on "cross-border-marketplace / weekend surge review queue". |
| medium fraud-rule-drift | Fraud Strategy | Fraud | cross-border-marketplace / high-risk geo screening | Fraud-review rules are drifting on "cross-border-marketplace / high-risk geo screening". |
| medium payout-throttle-missing | Fraud Operations | Payout | cross-border-marketplace / same-day payout cohort | Payout controls are too loose on "cross-border-marketplace / same-day payout cohort" for the current review state. |
| low stale-gap-window | Merchant Risk Ops | Kyb | subscription-gaming / beneficial-owner packet | Gap on "subscription-gaming / beneficial-owner packet" has remained unresolved for 39 hours. |
| low stale-gap-window | Merchant Risk Ops | Volume | cross-border-marketplace / weekend surge review queue | Gap on "cross-border-marketplace / weekend surge review queue" has remained unresolved for 28 hours. |