In my experience, the algorithms are much more forgiving than humans. At least, when I worked with the risk team at my FinTech company, algorithms flagged peopl

In my experience, the algorithms are much more forgiving than humans. At least, when I worked with the risk team at my FinTech company, algorithms flagged people for review and then humans decided to unflag or terminate their accounts. The only time we’d do a freeze is if it looked like an account take over (since that could super badly affect the account owner).