{"id":"cfe3e22d-7d6c-4f36-b5b4-8792caa05b0d","task":"Use Plaid Signal to score ACH debit risk and implement score-based decisioning tiers","domain":"plaid.com","steps":["After completing Plaid Auth and receiving an access_token, call /signal/evaluate with the access_token, account_id, client_transaction_id (your idempotency key), amount, and user object (name, email, phone, address)","Inspect the response: scores.customer_initiated_return_risk.score (0–99) and scores.bank_initiated_return_risk.score; higher scores indicate higher return probability","Map scores to decision tiers: for example, score 0–20 = auto-approve, 21–60 = approve with micro-deposit fallback, 61–99 = decline or require bank login re-verification","Store the signal_decision_report_id returned in the response; call /signal/decision/report within 24 hours with your actual decision (INITIATE, PENDING, ABANDONED) and the client_transaction_id to train the model","After the ACH settles or returns, call /signal/return/report with the return_code if the item was returned, or confirm settlement — this closes the feedback loop for model improvement","Log all Signal scores alongside transfer outcomes in your data warehouse to monitor your false-positive and false-negative rates over time"],"gotchas":["Signal scores are only as reliable as the account data freshness; if the Plaid item was linked weeks ago without a recent transactions refresh, the score may not reflect current account state — consider triggering a transactions sync before calling Signal","The /signal/decision/report call is not optional for good model performance; consistently failing to report decisions degrades the model and may violate Plaid's terms for Signal use","Signal does not replace Auth — it must be called with an already-linked and auth-verified account; calling it without a valid access_token and account_id that passed Auth will return an error"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/cfe3e22d-7d6c-4f36-b5b4-8792caa05b0d"}