The human stays at the center.

Veto

Review Record

Sample

2847 Sea Cliff Lane

Seller proceeds · $1,607,500

What changedNew seller account

What was checkedCallback + payoff

What stayed openSeller authorization

Who reviewedM. Lane · 3:40 pm

Office decisionHeld

So the officer can do more.

Veto records the review. The escrow office decides whether to approve a request or release funds.

An Iron Man suit—not a self-driving car.

The officer should become more capable, not less necessary.

Assistant prepares the file, finds what is missing, organizes evidence, and drafts routine follow-up.

An authorized person reviews the facts, resolves conflicts, and records the office decision. The software does not quietly inherit authority just because it can move faster.

Backed by the offices that still sign the file.

Owner-operators, association educators, and the people who keep human authority on every release.

Veto in the field.

Orange County Escrow Association

When the Callback Breaks

How wire fraud actually happens in escrow — presented to the OCEA general membership, June 2026.

Cloned escrow company takedown

A lookalike site was taken down in five days. The Review Record kept the live file on the real office.

CT National Escrow takedown

Impersonation does not wait for a committee. The office still decides; the record shows what was checked.

File by file. Team by team.

Founder Sebastian Heyneman works directly with offices through setup, in-person training, and their first live files. The product is shaped around the work officers actually perform—not an abstract automation demo.

Talk with Sebastian

Orange County Escrow Association presentation on how wire fraud happens in escrow

When the Callback Breaks: How Wire Fraud Actually Happens in Escrow

Presented to the Orange County Escrow Association, June 2026.

What Veto will not compromise.

The product will change. These operating principles should not.

01
Human authority
Assistant prepares work. Authorized people review consequential actions and record the office decision.
02
Evidence over scores
Every check should show the question, source, result, and issue that still needs judgment.
03
Familiar workflows
Veto works alongside the office’s existing software, email, paper folders, and operating policy.
04
Durable records
Changes, corrections, open conflicts, reviewers, and decisions stay connected to the file.

The office cat

Arthur keeps the office a place people want to work.

Since the beginning, the office has had a cat. Arthur walks the desks, interrupts the serious work, and reminds the team that escrow is still a human craft. Assistant prepares the file. Arthur is not the software.

“The human stays at the center. The cat just makes sure we remember it.”

Arthur, office cat

You’re building a company meant to last for generations. So are we.

Durability is earned through useful work, close customer relationships, and a record that can be inspected—not through sounding bigger than the company is.

100+
checks on every file
2
EIC board members choose Veto
5 days
from discovery to impersonation-site takedown

Stay essential in the age of AI.

Give your team leverage without giving up judgment, authority, or the human relationships that make the office matter.

Create an office

Put one real file through Veto.

Start with the work before money moves.

Say hello

Talk with Sebastian.

Questions, comments, or a live-file walkthrough.

Press inquiries

Write to the Veto desk.

Story requests, interviews, and field notes for publication.

Disclaimers and footnotes

Veto records evidence and workflow events for escrow wire reviews. The escrow office owns the file context, approval, and decision.

Veto does not guarantee that fraud or loss will never occur. Required-check failures and identity mismatches remain visible and can block release or sending according to office policy.