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When to build an agent: fraud, refunds, vendor review, insurance claims

At a glance

OpenAI’s practical guide frames agents for complex judgment (fraud/refunds), brittle rule piles (vendor security reviews), and unstructured docs (home insurance claims)—not for simple deterministic checklists. This workflow is listed under OpenAI, Agent-Design, Guardrails, Orchestration, Builder.

Agents / tools
OpenAI Agents SDK

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Prompt excerpt

Design an agent only if the workflow needs nuanced judgment, hard-to-maintain rules, or unstructured documents. Start single-agent with clear tools + instructions; add human approval for irreversible money/account actions; escalate after N failures.
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bloglearnable-paradigm

Agent or flowchart? Find the box you can’t finish drawing

Learnable test: keep deterministic paths in code; put the agent loop only on the flowchart box whose next step depends on discoveries (multi-source state, content-driven checks, unencoded domain knowledge)—else it’s an API call in a badge.

OpenAI Agents SDKagent-loop
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