DECISION_ANALYTICS_COMPLETED Event

This webhook event is sent when automated application decisioning finishes for an underwriting workflow. It reports the resulting underwriting status the system arrived at after running the configured verification checks and decision analytics.

When This Event Is Sent

• The application decisioning stage of a BUSINESS_UNDERWRITING workflow completes. This runs automatically after the verification checks for the workflow have been evaluated (application decisioning always runs, even when all individual checks are disabled).
• The event is generated by the system, so the user_context is always SYSTEM.

Decrypted Data Parameters

This event includes all default parameter for version 1.0 in the decrypted data parameter, plus the following parameters:

Example Payload

Note: This example shows the decrypted payload. When you receive this webhook, the data field will be encrypted. See the encryption reminder for details.

{
  "id": "wh_3aB7cD9eFgH1jK2lM4nP6Q",
  "event_type": "DECISION_ANALYTICS_COMPLETED",
  "timestamp": "2026-03-18T14:32:10Z",
  "account_id": "account_id",
  "schema_version": "2025-11-21",
  "key_id": "whk_20260318_01",
  "data": {
    "version": "1.0",
    "subject_record_id": "sr_6oDTOBvkAAGc2Wzvkd1NO8",
    "workflow_id": "w_36wIK6Kevgj2SiEE5ktCM4",
    "workflow_type": "BUSINESS_UNDERWRITING",
    "user_context": {
      "user_id": "SYSTEM",
      "user_type": "SYSTEM"
    },
    "underwriting_status": "approved"
  }
}

Using the Underwriting Status

After receiving this webhook, use underwriting_status to drive your downstream flow—for example, notify the applicant, trigger provisioning on approved, or route to manual review on pending_review / in_review. A declined status indicates the application did not pass automated decisioning.