Question 60
A fraud reviewer is asked to override a high-value-transfer policy by a persuasive user. What should the system do?
Explanation
Correct Answer
The application-side limit must remain in force regardless of prompt wording. The appropriate implementation is “Reject the unauthorized transfer and provide an approved exception-escalation path”. Make the dependency and approval boundary observable, reject prohibited side effects before execution, and preserve a traceable handoff to the next step. By comparison, “Authorize the high-value transfer because the user sounds confident” is inadequate. Persuasion cannot override delegated transaction limits. An alternative, “Split the transfer into several smaller payments to avoid the threshold”, fails here. Circumventing a policy gate defeats its purpose. “Report approval without invoking the authorized exception mechanism” does not establish the required outcome. A high-value request remains blocked until properly reviewed.
Incorrect Answers
Persuasion cannot override delegated transaction limits. The proposal “Authorize the high-value transfer because the user sounds confident” conflicts with the required decision. “Reject the unauthorized transfer and provide an approved exception-escalation path” addresses the actual condition. The application-side limit must remain in force regardless of prompt wording. Workflow gates must be enforced by application logic or configured tools, not merely suggested in a prompt, particularly when money, privacy, or production state could change.
Circumventing a policy gate defeats its purpose. This alternative suggests “Split the transfer into several smaller payments to avoid the threshold”, whereas the supported approach is “Reject the unauthorized transfer and provide an approved exception-escalation path”. The application-side limit must remain in force regardless of prompt wording. Workflow gates must be enforced by application logic or configured tools, not merely suggested in a prompt, particularly when money, privacy, or production state could change.
“Report approval without invoking the authorized exception mechanism” is the wrong action for this case. A high-value request remains blocked until properly reviewed. The supported choice is “Reject the unauthorized transfer and provide an approved exception-escalation path”. The application-side limit must remain in force regardless of prompt wording. Make the dependency and approval boundary observable, reject prohibited side effects before execution, and preserve a traceable handoff to the next step.