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Resolving Conflicting Tacit Requirements

How to surface and reconcile hidden, conflicting requirements across stakeholder groups.

During discovery for a payments platform, Sales insists 'the checkout must be as fast as possible,' Compliance says 'we must verify every high-risk transaction,' and Engineering assumes (but never states) that fraud checks run synchronously. These requirements conflict and some are tacit. What is the MOST effective PM approach to elicit and resolve them before writing the PRD?