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Read moreR-DAIR is an open, self-administered revenue-data assurance standard designed for small enterprises, credit unions, community banks, cooperatives, and other institutions that need continuous visibility into record integrity but cannot rely on large data governance teams. The standard combines four maturity dimensions, five capability levels, measurable data-quality indicators, robust anomaly detection, owner-routed alerting, and explicit detection-latency accounting. This white paper extends the original R-DAIR design with a 90-day, eight-site pilot comprising 356 staff, 177,400 customer/master records, and 1,039,810 observed transactions. Across the pilot, record-weighted completeness was 96.15%, duplicate rate 2.32%, staleness 15.19%, validity 98.12%, and consistency 97.23%. Field anomaly detection produced 357 true positives, 48 false positives, and 29 false negatives, corresponding to overall precision of 0.881, recall of 0.925, and F1 of 0.903. The median detection latency was 29 seconds (IQR 16-48 seconds; 95th percentile 94 seconds), while median alert dispatch latency was 8 seconds. Average maturity rose from 2.22 to 3.47 across the four dimensions, with the largest gain in anomaly detection and revenue assurance. Sensitivity analysis showed that the default amount-outlier multiplier k=3.0 delivered the highest F1 among tested settings. The results support R-DAIR as a practical continuous-assurance architecture while also identifying important validation needs,especially inter-rater reliability, site-level D2 construct validation, usability measurement, and broader external replication.
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Data Quality; Anomaly Detection; Revenue Assurance; Community Financial Institutions; Maturity Model; Continuous Monitoring; Low-Latency Alerting
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