Allowlists and Denylists in Fraud Operations
Denylists fail closed on confirmed-bad identifiers. Allowlists exempt known-good ones. Keep REVIEW in the middle so lists do not become your only policy.
A **denylist** (blocklist) forces BLOCK for listed customers, devices, emails, or IPs. An **allowlist** (whitelist) can override noisy rules for trusted identifiers. Most traffic should still go through named rules and risk scoring. Lists are the sharp edges.
List fingerprints and IPs you have already confirmed abusive, with a reason trail. Do not dump entire countries into a denylist. Keep allowlists small: QA devices, a short partner set. An allowlisted stolen session is worse than a false REVIEW. Measure false positives before promoting a REVIEW rule to a denylist entry.
Naiza public feature copy includes blocklist management and whitelist override—confirm the current list APIs in the docs. Definitions: list management. Architecture: allowlist vs denylist. Watchlists in AML are a different control with different legal meaning; do not mix them with your fraud lists in the same case note without labeling the source.