{
  "model": "grayson-1",
  "state": {
    "institution": "Our bank (U.S. regional bank): online consumer checking",
    "application": {
      "id": "app_2VF9C4",
      "product": "Online checking with debit card and mobile check deposit",
      "channel": "Mobile web",
      "started_at": "2026-10-05T03:41:09Z",
      "submitted_at": "2026-10-05T03:46:16Z",
      "applicant": {
        "name": "Adrian M. Castell",
        "date_of_birth": "1990-11-03",
        "age": 35,
        "ssn": "xxx-xx-2718",
        "citizenship": "U.S. citizen"
      },
      "home_address": "4835 W Mesa Verde Ln, Apt 1127, Las Vegas, NV 89103",
      "time_at_address": "2 years or more",
      "mailing_address": "Same as home",
      "email": "adrian.castell@example.net",
      "mobile_phone": "(702) 555-0164",
      "employment": {
        "status": "Self-employed",
        "occupation": "Delivery driver (app-based)"
      },
      "stated_annual_income_usd": 44000,
      "account_use": {
        "purpose": "Everyday spending and bill pay",
        "expected_monthly_deposits_usd": 3600,
        "mobile_check_deposits": "Rarely",
        "cash_deposits": "Under $1,000 a month",
        "international_transfers": "No"
      },
      "debit_card_overdraft_coverage": "Declined",
      "promo_code": null,
      "how_heard": "Friend or family"
    },
    "identity_verification": {
      "name_ssn_dob": "Match: name, SSN and date of birth appear together in credit-header records",
      "identity_first_reported": "2021-06",
      "records_before_first_report": "None: no address, phone, utility, property or public records before 2021-06 (applicant age 30 then)",
      "header_sources": 3,
      "name_variations": [],
      "ssn": {
        "format_and_issuance": "Valid; issued",
        "issuance": "Randomized range: issued June 2011 or later, at least 20 years after the date of birth",
        "names_associated_with_ssn": 1,
        "dates_of_birth_associated_with_ssn": 2,
        "dates_of_birth_note": "1990-11-03 on every record but one; 1990-11-08 on a credit application dated 2021-08-19",
        "death_master_file": "No match"
      },
      "address_history": [
        {
          "address": "4835 W Mesa Verde Ln, Apt 1127, Las Vegas, NV 89103",
          "first_reported": "2023-09",
          "last_reported": "2026-09",
          "sources": 4
        },
        {
          "address": "2216 N Rancho Arroyo Dr, Apt 18, Las Vegas, NV 89108",
          "first_reported": "2021-06",
          "last_reported": "2023-08",
          "sources": 3
        }
      ],
      "phones_associated": [
        {
          "phone": "(702) 555-0164",
          "type": "Mobile",
          "first_reported": "2021-06",
          "last_reported": "2026-09"
        }
      ],
      "emails_associated": [
        {
          "email": "adrian.castell@example.net",
          "first_reported": "2021-05",
          "last_reported": "2026-09"
        }
      ],
      "application_phone_and_email_in_identity_records": "Both, since 2021-05 and 2021-06",
      "vendor_scores": {
        "synthetic_identity": {
          "score": 655,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "No identity records before age 30",
            "SSN issued long after date of birth",
            "Early credit established through authorized-user tradelines",
            "SSN associated with more than one date of birth"
          ]
        },
        "identity_theft": {
          "score": 88,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Device not previously seen"
          ]
        },
        "first_party_fraud": {
          "score": 174,
          "scale": "0-999, higher is riskier",
          "reasons": []
        }
      },
      "document_selfie_and_ecbsv": "Not run at submission. Our flow runs document verification with a selfie match, and an SSA eCBSV check of the name, SSN and date of birth, only when an application is stepped up."
    },
    "credit_file": {
      "pulled_at": "2026-10-05T03:46:18Z",
      "pull_type": "Soft inquiry for identity and fraud screening",
      "file_created": "2021-06-02",
      "name_on_file": "ADRIAN M CASTELL",
      "employment_on_file": "Self-employed (reported 2025-01 by an inquiry)",
      "score": {
        "model": "Generic risk score, 300-850",
        "value": 708,
        "factors": [
          "Length of time accounts have been established",
          "Delinquency in the last 24 months",
          "Too few accounts currently paid as agreed"
        ]
      },
      "alerts_and_freezes": "None (no fraud alert, active-duty alert or security freeze; no consumer statement)",
      "summary": {
        "tradelines_total": 7,
        "tradelines_open": 7,
        "primary_tradelines": 4,
        "authorized_user_tradelines": 3,
        "oldest_primary_tradeline_opened": "2021-10",
        "primary_revolving_limit_usd": 10700,
        "primary_revolving_balance_usd": 2056,
        "primary_revolving_utilization_pct": 19.2,
        "open_installment_balance_usd": 7261,
        "accounts_opened_last_12_months": 0,
        "hard_inquiries_last_90_days": 1,
        "hard_inquiries_last_12_months": 1,
        "late_payments_last_24_months": 1,
        "collections": 0,
        "public_records": 0
      },
      "tradelines": [
        {
          "creditor_type": "Bank credit card",
          "account": "x7731",
          "ownership": "Authorized user",
          "opened": "2008-05",
          "authorized_user_added": "2021-07",
          "primary_cardholder_relationship": "No shared surname or address; primary cardholder's address history is in Texas",
          "credit_limit_usd": 16000,
          "balance_usd": 1120,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            1120,
            1230,
            1284,
            614,
            561,
            1118,
            995,
            1271,
            1240,
            702,
            923,
            1131,
            1239,
            728,
            808,
            1367,
            996,
            855,
            1284,
            1337,
            512,
            988,
            868,
            913
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x0458",
          "ownership": "Authorized user",
          "opened": "2011-09",
          "authorized_user_added": "2021-09",
          "primary_cardholder_relationship": "No shared surname or address; primary cardholder's address history is in North Carolina",
          "credit_limit_usd": 11000,
          "balance_usd": 325,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            325,
            509,
            369,
            580,
            407,
            526,
            419,
            324,
            447,
            270,
            337,
            483,
            541,
            415,
            755,
            434,
            272,
            667,
            287,
            445,
            228,
            456,
            591,
            690
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x3392",
          "ownership": "Authorized user",
          "opened": "2005-02",
          "authorized_user_added": "2021-08",
          "primary_cardholder_relationship": "No shared surname or address; primary cardholder's address history is in Ohio",
          "credit_limit_usd": 21000,
          "balance_usd": 1448,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            1448,
            457,
            1069,
            854,
            1098,
            883,
            775,
            1280,
            641,
            1103,
            443,
            895,
            840,
            1275,
            673,
            793,
            1664,
            1201,
            1664,
            570,
            597,
            1148,
            717,
            888
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x5106",
          "ownership": "Individual",
          "opened": "2021-10",
          "history": "Opened as a $500 secured card; converted to unsecured 2022-11; limit raised 2023-06 and 2025-01",
          "credit_limit_usd": 3500,
          "balance_usd": 467,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            467,
            661,
            1030,
            610,
            567,
            970,
            549,
            620,
            842,
            771,
            727,
            860,
            505,
            882,
            782,
            530,
            961,
            624,
            740,
            1036,
            516,
            1019,
            973,
            786
          ]
        },
        {
          "creditor_type": "Retail store card (department store)",
          "account": "x6643",
          "ownership": "Individual",
          "opened": "2022-04",
          "credit_limit_usd": 1200,
          "balance_usd": 46,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCC1CCCCCCCC",
          "statement_balances_24m_newest_first": [
            46,
            184,
            173,
            274,
            57,
            183,
            78,
            157,
            0,
            154,
            33,
            91,
            38,
            72,
            114,
            134,
            146,
            119,
            267,
            211,
            136,
            163,
            31,
            200
          ]
        },
        {
          "creditor_type": "Credit union auto loan",
          "account": "x7318",
          "ownership": "Individual",
          "opened": "2023-03",
          "original_amount_usd": 21800,
          "term_months": 60,
          "monthly_payment_usd": 424,
          "balance_usd": 7261,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x2290",
          "ownership": "Individual",
          "opened": "2024-01",
          "credit_limit_usd": 6000,
          "balance_usd": 1543,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            1543,
            1532,
            1481,
            1190,
            1137,
            1020,
            1219,
            786,
            1095,
            1173,
            1272,
            820,
            1138,
            1097,
            857,
            1455,
            1247,
            768,
            685,
            724,
            959,
            1178,
            1203,
            1200
          ]
        }
      ],
      "hard_inquiries_last_24_months": [
        {
          "date": "2025-01-21",
          "industry": "Bank credit card (limit increase request)"
        },
        {
          "date": "2026-08-14",
          "industry": "Bank credit card"
        }
      ]
    },
    "deposit_account_screening": {
      "prior_closures_for_cause": 0,
      "unpaid_overdraft_or_charge_off_balances": 0,
      "deposit_inquiries": {
        "last_30_days": 0,
        "last_90_days": 0,
        "last_12_months": 0
      },
      "id_verification_alerts": "None"
    },
    "consortium": {
      "ssn_first_seen_at_members": "2021-06",
      "applications_with_this_ssn": {
        "last_7_days": 0,
        "last_30_days": 0,
        "last_90_days": 1,
        "last_12_months": 1
      },
      "distinct_names_dobs_with_this_ssn": {
        "names": 1,
        "dates_of_birth": 2,
        "note": "1990-11-08 on one 2021-08 credit card application at a member (declined); 1990-11-03 on all others"
      },
      "distinct_addresses_with_this_ssn_last_12_months": 1,
      "this_phone_or_email_with_other_names_or_ssns": 0,
      "this_device_with_other_names_or_ssns": 0,
      "this_ip_with_other_names_or_ssns_last_30_days": 0,
      "this_street_address_with_other_identities_last_12_months": "Apartment complex (312 units); 7 other identities in other units applied at members; 1 has a confirmed synthetic-identity report (2025)",
      "confirmed_fraud_reports_on_this_ssn_phone_email_or_device": 0,
      "recent_applications_with_this_ssn": {
        "columns": [
          "date",
          "member_type",
          "product",
          "outcome",
          "same_phone",
          "same_email",
          "same_address"
        ],
        "rows": [
          [
            "2021-08-19",
            "Bank",
            "Credit card",
            "Declined",
            true,
            true,
            false
          ],
          [
            "2023-03-04",
            "Credit union",
            "Auto loan",
            "Approved",
            true,
            true,
            false
          ],
          [
            "2024-01-09",
            "Bank",
            "Credit card",
            "Approved",
            true,
            true,
            true
          ],
          [
            "2026-08-14",
            "Bank",
            "Credit card",
            "Declined: identity could not be verified",
            true,
            true,
            true
          ]
        ]
      }
    },
    "email_check": {
      "email": "adrian.castell@example.net",
      "first_seen": "2021-05-18",
      "domain_type": "Free webmail",
      "name_match": "Full name match",
      "appears_in_known_data_breaches": 1,
      "disposable": false,
      "deliverable": true,
      "risk_score": {
        "score": 236,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "Email first seen with the identity's first records"
        ]
      }
    },
    "phone_check": {
      "phone": "(702) 555-0164",
      "line_type": "Mobile",
      "carrier": "Major U.S. wireless carrier (postpaid)",
      "first_seen": "2021-06",
      "subscriber_name": "ADRIAN CASTELL (carrier record, matches)",
      "ported_last_90_days": false,
      "sim_change_last_30_days": "No",
      "sms_one_time_code": "Delivered and entered correctly",
      "other_phones_for_this_identity": "None",
      "risk_score": {
        "score": 96,
        "scale": "0-999, higher is riskier",
        "reasons": []
      }
    },
    "address_check": {
      "address_type": "Apartment in a multi-unit residential complex",
      "usps_delivery_point": "Confirmed (unit confirmed)",
      "residential": true,
      "usps_change_of_address": "None filed",
      "property_records": "Rental apartment complex owned by a property management company",
      "distance_from_ip_location_miles": 4
    },
    "watchlists_and_internal": {
      "ofac_sdn": "No match",
      "politically_exposed_person": "No match",
      "internal_negative_file": "No match",
      "existing_customer": "None",
      "prior_applications_at_our_bank": 0
    },
    "device_and_network": {
      "device_id": "dev_8b14e7a2d6f0",
      "first_seen": "2026-10-05T03:41:09Z",
      "device_type": "Mobile phone",
      "os": "Android 16",
      "browser": "Chrome 141",
      "screen": "412x915",
      "hardware": "8 logical cores; mobile GPU",
      "language": "en-US",
      "timezone": "America/Los_Angeles",
      "local_time_at_submission": "2026-10-04T20:46:16-07:00",
      "ip_address": "198.51.100.62",
      "ip_type": "Residential broadband (home Wi-Fi)",
      "ip_location": "Las Vegas, NV",
      "proxy_vpn_tor_or_hosting": "None detected",
      "emulator_or_virtual_machine": false,
      "fingerprint_integrity": "Consistent",
      "remote_access_software": "None detected",
      "cookies": "None from earlier visits",
      "seen_with_other_identities": {
        "our_bank": 0,
        "consortium": 0
      },
      "risk_score": {
        "score": 142,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "New device"
        ]
      }
    },
    "session_behavior": {
      "navigation": "Touch; varied tap positions and scroll speeds",
      "familiarity_with_personal_data": "Mixed: name, date of birth, email and phone typed steadily; SSN typed with a 5.9 s pause after the fifth digit",
      "duration_seconds": 308,
      "median_duration_seconds_for_this_form": 462,
      "fields_typed": 13,
      "fields_pasted": 0,
      "autofill_events": 0,
      "times_left_page": 0,
      "events": {
        "columns": [
          "offset_s",
          "page",
          "field",
          "event",
          "detail"
        ],
        "rows": [
          [
            0,
            "Choose an account",
            "",
            "page_view",
            ""
          ],
          [
            15.6,
            "Choose an account",
            "product",
            "selected",
            "Online checking with debit card and mobile check deposit"
          ],
          [
            20.6,
            "Choose an account",
            "",
            "continue_clicked",
            ""
          ],
          [
            25.7,
            "About you",
            "",
            "page_view",
            ""
          ],
          [
            28.8,
            "About you",
            "first_name",
            "typed",
            "6 keys in 1.8 s, 0 corrections"
          ],
          [
            34,
            "About you",
            "middle_initial",
            "typed",
            "1 keys in 0.2 s, 0 corrections"
          ],
          [
            41.3,
            "About you",
            "last_name",
            "typed",
            "7 keys in 2.1 s, 0 corrections"
          ],
          [
            45.7,
            "About you",
            "date_of_birth",
            "typed",
            "10 keys in 2.8 s, 0 corrections"
          ],
          [
            57.9,
            "About you",
            "ssn",
            "typed",
            "9 keys in 8.6 s, 0 corrections, longest pause 5.9 s"
          ],
          [
            60.3,
            "About you",
            "citizenship",
            "selected",
            "U.S. citizen"
          ],
          [
            61.9,
            "About you",
            "",
            "continue_clicked",
            ""
          ],
          [
            66.4,
            "Contact",
            "",
            "page_view",
            ""
          ],
          [
            76.2,
            "Contact",
            "email",
            "typed",
            "28 keys in 8.0 s, 1 correction"
          ],
          [
            82.1,
            "Contact",
            "mobile_phone",
            "typed",
            "10 keys in 2.8 s, 0 corrections"
          ],
          [
            85.5,
            "Contact",
            "mobile_phone",
            "otp_sent",
            "SMS one-time code"
          ],
          [
            105.1,
            "Contact",
            "mobile_phone",
            "otp_entered",
            "correct on first try, 16.9 s after sending (filled from the SMS)"
          ],
          [
            108.9,
            "Contact",
            "",
            "continue_clicked",
            ""
          ],
          [
            113.6,
            "Home address",
            "",
            "page_view",
            ""
          ],
          [
            118.4,
            "Home address",
            "street",
            "typed",
            "10 keys in 3.1 s, 0 corrections"
          ],
          [
            120.3,
            "Home address",
            "street",
            "autocomplete_selected",
            "address suggestion 1 of 5"
          ],
          [
            127.3,
            "Home address",
            "unit",
            "typed",
            "8 keys in 2.1 s, 0 corrections"
          ],
          [
            130.1,
            "Home address",
            "years_at_address",
            "selected",
            "2 years or more"
          ],
          [
            132.7,
            "Home address",
            "mailing_address_same",
            "checked",
            ""
          ],
          [
            135.4,
            "Home address",
            "",
            "continue_clicked",
            ""
          ],
          [
            139.8,
            "Work and income",
            "",
            "page_view",
            ""
          ],
          [
            141.8,
            "Work and income",
            "employment_status",
            "selected",
            "Self-employed"
          ],
          [
            148.5,
            "Work and income",
            "occupation",
            "typed",
            "17 keys in 4.8 s, 1 correction"
          ],
          [
            152.4,
            "Work and income",
            "annual_income",
            "typed",
            "5 keys in 1.4 s, 0 corrections"
          ],
          [
            157,
            "Work and income",
            "",
            "continue_clicked",
            ""
          ],
          [
            159.8,
            "Account use",
            "",
            "page_view",
            ""
          ],
          [
            161.7,
            "Account use",
            "purpose",
            "selected",
            "Everyday spending and bill pay"
          ],
          [
            166.8,
            "Account use",
            "expected_monthly_deposits",
            "typed",
            "4 keys in 1.1 s, 0 corrections"
          ],
          [
            169.5,
            "Account use",
            "mobile_check_deposits",
            "selected",
            "Rarely"
          ],
          [
            174.1,
            "Account use",
            "cash_deposits",
            "selected",
            "Under $1,000 a month"
          ],
          [
            177.5,
            "Account use",
            "international_transfers",
            "selected",
            "No"
          ],
          [
            182.6,
            "Account use",
            "debit_card_overdraft_coverage",
            "selected",
            "Decline"
          ],
          [
            187.8,
            "Account use",
            "",
            "continue_clicked",
            ""
          ],
          [
            191.5,
            "Disclosures",
            "",
            "page_view",
            ""
          ],
          [
            195.7,
            "Disclosures",
            "fee_schedule",
            "opened_document",
            "scrolled to 64%, 18.3 s"
          ],
          [
            217.2,
            "Disclosures",
            "esign_consent",
            "checked",
            ""
          ],
          [
            220.4,
            "Disclosures",
            "account_agreement_and_fee_schedule",
            "checked",
            ""
          ],
          [
            223.3,
            "Disclosures",
            "tax_certification",
            "checked",
            ""
          ],
          [
            227.5,
            "Disclosures",
            "",
            "continue_clicked",
            ""
          ],
          [
            229.7,
            "Fund your account",
            "",
            "page_view",
            ""
          ],
          [
            232.1,
            "Fund your account",
            "method",
            "selected",
            "Transfer from another bank (instant account link)"
          ],
          [
            235.4,
            "Fund your account",
            "account_link",
            "opened",
            "account-link window"
          ],
          [
            281.3,
            "Fund your account",
            "account_link",
            "completed",
            "1 institution searched, 1 login attempt, bank's own one-time code entered"
          ],
          [
            285.4,
            "Fund your account",
            "amount",
            "typed",
            "3 keys in 0.9 s, 0 corrections"
          ],
          [
            288.5,
            "Fund your account",
            "",
            "continue_clicked",
            ""
          ],
          [
            293.1,
            "Review",
            "",
            "page_view",
            ""
          ],
          [
            307.8,
            "Review",
            "",
            "submitted",
            ""
          ]
        ]
      }
    },
    "velocity_at_our_bank_last_90_days": {
      "same_device_other_applications": 0,
      "same_phone_other_applications": 0,
      "same_email_other_applications": 0,
      "same_ip_other_applications": 0,
      "same_street_address_other_applications": {
        "count": 1,
        "detail": "Different unit and name, 2026-06-02, approved, in good standing"
      }
    },
    "funding": {
      "method": "Transfer from another bank (instant account link)",
      "requested_opening_amount_usd": 200,
      "external_account": {
        "type": "Checking at an online bank",
        "opened": "2021-07",
        "owner_name": "ADRIAN M CASTELL",
        "owner_name_match": "Match",
        "owner_address": "4835 W Mesa Verde Ln Apt 1127, Las Vegas NV",
        "balance_at_link_usd": 1846.2
      },
      "cash_flow_last_90_days": {
        "average_daily_balance_usd": 3420.54,
        "recurring_income": "Delivery-app instant payouts, 2 to 3 a week (33 deposits)",
        "inflows": "Delivery-app payouts; 2 small person-to-person transfers in",
        "outflows": "Rent on the 1st, auto loan, electric, internet, phone, card payments, a monthly $200 transfer to L CASTELL, everyday spending",
        "everyday_spending": "Groceries, fuel and restaurants in the Las Vegas area",
        "returned_items": [],
        "overdrafts": "None in the last 12 months"
      },
      "transactions_last_90_days": {
        "note": "Posted items 2026-07-06 to 2026-10-04, from the account link; debits negative",
        "columns": [
          "posted",
          "type",
          "description",
          "amount_usd",
          "balance_usd"
        ],
        "rows": [
          [
            "2026-07-06",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            406.91,
            4038.06
          ],
          [
            "2026-07-07",
            "P2P out",
            "P2P TO L CASTELL",
            -200,
            3838.06
          ],
          [
            "2026-07-07",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -46.09,
            3791.97
          ],
          [
            "2026-07-09",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            375.05,
            4167.02
          ],
          [
            "2026-07-09",
            "ACH debit",
            "AT&T MOBILITY ONLINE PMT",
            -65,
            4102.02
          ],
          [
            "2026-07-09",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -39.17,
            4062.85
          ],
          [
            "2026-07-10",
            "Debit card",
            "WAL-MART #2593 LAS VEGAS NV",
            -79.79,
            3983.06
          ],
          [
            "2026-07-11",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            349.32,
            4332.38
          ],
          [
            "2026-07-11",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -46.09,
            4286.29
          ],
          [
            "2026-07-12",
            "ACH debit",
            "CU AUTO LOAN PMT x7318",
            -424,
            3862.29
          ],
          [
            "2026-07-12",
            "Debit card",
            "IN-N-OUT LAS VEGAS #232",
            -23.73,
            3838.56
          ],
          [
            "2026-07-13",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            258.91,
            4097.47
          ],
          [
            "2026-07-14",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -41.25,
            4056.22
          ],
          [
            "2026-07-15",
            "ACH debit",
            "NV ENERGY WEB PMT",
            -240.47,
            3815.75
          ],
          [
            "2026-07-16",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            212.86,
            4028.61
          ],
          [
            "2026-07-17",
            "Debit card",
            "WAL-MART #2593 LAS VEGAS NV",
            -94.64,
            3933.97
          ],
          [
            "2026-07-17",
            "Debit card",
            "PANDA EXPRESS #1882 LAS VEGAS NV",
            -26.25,
            3907.72
          ],
          [
            "2026-07-18",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            414.51,
            4322.23
          ],
          [
            "2026-07-18",
            "ACH debit",
            "COX COMMUNICATIONS",
            -70,
            4252.23
          ],
          [
            "2026-07-20",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            377.74,
            4629.97
          ],
          [
            "2026-07-20",
            "ACH debit",
            "CREDIT CARD PMT x2290",
            -176.54,
            4453.43
          ],
          [
            "2026-07-20",
            "Debit card",
            "SMITH'S FOOD #4372 LAS VEGAS NV",
            -64.27,
            4389.16
          ],
          [
            "2026-07-20",
            "Debit card",
            "TACOS EL GORDO LAS VEGAS NV",
            -9.2,
            4379.96
          ],
          [
            "2026-07-21",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -35.04,
            4344.92
          ],
          [
            "2026-07-22",
            "ACH debit",
            "CREDIT CARD PMT x5106",
            -115.44,
            4229.48
          ],
          [
            "2026-07-23",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            296.26,
            4525.74
          ],
          [
            "2026-07-25",
            "Debit card",
            "NETFLIX.COM",
            -15.49,
            4510.25
          ],
          [
            "2026-07-26",
            "Debit card",
            "STARBUCKS STORE 11902 LAS VEGAS NV",
            -28.92,
            4481.33
          ],
          [
            "2026-07-26",
            "Debit card",
            "AMAZON MKTPL*LJEZEET8C",
            -17.75,
            4463.58
          ],
          [
            "2026-07-27",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            209.87,
            4673.45
          ],
          [
            "2026-07-27",
            "Debit card",
            "SMITH'S FOOD #4372 LAS VEGAS NV",
            -99.5,
            4573.95
          ],
          [
            "2026-07-28",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -42.1,
            4531.85
          ],
          [
            "2026-07-28",
            "Debit card",
            "TACOS EL GORDO LAS VEGAS NV",
            -20.94,
            4510.91
          ],
          [
            "2026-07-30",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -37.66,
            4473.25
          ],
          [
            "2026-07-31",
            "Debit card",
            "VONS #2382 LAS VEGAS NV",
            -115.9,
            4357.35
          ],
          [
            "2026-07-31",
            "Debit card",
            "IN-N-OUT LAS VEGAS #232",
            -27.19,
            4330.16
          ],
          [
            "2026-08-01",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            171.43,
            4501.59
          ],
          [
            "2026-08-01",
            "ACH debit",
            "MESA VERDE APTS RENT WEB",
            -1345,
            3156.59
          ],
          [
            "2026-08-01",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -44.89,
            3111.7
          ],
          [
            "2026-08-03",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            270.31,
            3382.01
          ],
          [
            "2026-08-03",
            "P2P out",
            "P2P TO L CASTELL",
            -200,
            3182.01
          ],
          [
            "2026-08-04",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -38.1,
            3143.91
          ],
          [
            "2026-08-06",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            249.67,
            3393.58
          ],
          [
            "2026-08-06",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -47.43,
            3346.15
          ],
          [
            "2026-08-07",
            "Debit card",
            "SMITH'S FOOD #4372 LAS VEGAS NV",
            -36,
            3310.15
          ],
          [
            "2026-08-08",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            283.57,
            3593.72
          ],
          [
            "2026-08-08",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -34.26,
            3559.46
          ],
          [
            "2026-08-09",
            "ACH debit",
            "AT&T MOBILITY ONLINE PMT",
            -65,
            3494.46
          ],
          [
            "2026-08-10",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            293.5,
            3787.96
          ],
          [
            "2026-08-10",
            "Debit card",
            "SMITH'S FOOD #4372 LAS VEGAS NV",
            -103.16,
            3684.8
          ],
          [
            "2026-08-11",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -46.13,
            3638.67
          ],
          [
            "2026-08-12",
            "ACH debit",
            "CU AUTO LOAN PMT x7318",
            -424,
            3214.67
          ],
          [
            "2026-08-13",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            301.86,
            3516.53
          ],
          [
            "2026-08-13",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -46.73,
            3469.8
          ],
          [
            "2026-08-14",
            "Debit card",
            "WAL-MART #2593 LAS VEGAS NV",
            -60.07,
            3409.73
          ],
          [
            "2026-08-15",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            387.3,
            3797.03
          ],
          [
            "2026-08-15",
            "ACH debit",
            "NV ENERGY WEB PMT",
            -208.4,
            3588.63
          ],
          [
            "2026-08-15",
            "Debit card",
            "PANDA EXPRESS #1882 LAS VEGAS NV",
            -28.76,
            3559.87
          ],
          [
            "2026-08-16",
            "Debit card",
            "PANDA EXPRESS #1882 LAS VEGAS NV",
            -23.12,
            3536.75
          ],
          [
            "2026-08-17",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            315.59,
            3852.34
          ],
          [
            "2026-08-17",
            "Debit card",
            "SMITH'S FOOD #4372 LAS VEGAS NV",
            -93.41,
            3758.93
          ],
          [
            "2026-08-17",
            "Debit card",
            "PANDA EXPRESS #1882 LAS VEGAS NV",
            -30.39,
            3728.54
          ],
          [
            "2026-08-18",
            "ACH debit",
            "COX COMMUNICATIONS",
            -70,
            3658.54
          ],
          [
            "2026-08-18",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -40.35,
            3618.19
          ],
          [
            "2026-08-20",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            423.68,
            4041.87
          ],
          [
            "2026-08-20",
            "ACH debit",
            "CREDIT CARD PMT x2290",
            -156.91,
            3884.96
          ],
          [
            "2026-08-21",
            "Debit card",
            "VONS #2382 LAS VEGAS NV",
            -116.8,
            3768.16
          ],
          [
            "2026-08-21",
            "Debit card",
            "IN-N-OUT LAS VEGAS #232",
            -19.21,
            3748.95
          ],
          [
            "2026-08-22",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            285.07,
            4034.02
          ],
          [
            "2026-08-22",
            "ACH debit",
            "CREDIT CARD PMT x5106",
            -110.88,
            3923.14
          ],
          [
            "2026-08-22",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -29.19,
            3893.95
          ],
          [
            "2026-08-23",
            "P2P in",
            "P2P FROM R OKAFOR",
            60,
            3953.95
          ],
          [
            "2026-08-23",
            "Debit card",
            "PANDA EXPRESS #1882 LAS VEGAS NV",
            -29.87,
            3924.08
          ],
          [
            "2026-08-24",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            335.21,
            4259.29
          ],
          [
            "2026-08-24",
            "Debit card",
            "VONS #2382 LAS VEGAS NV",
            -80.9,
            4178.39
          ],
          [
            "2026-08-25",
            "Debit card",
            "NETFLIX.COM",
            -15.49,
            4162.9
          ],
          [
            "2026-08-27",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            297.31,
            4460.21
          ],
          [
            "2026-08-27",
            "Debit card",
            "AMAZON MKTPL*WXDUYYCNH",
            -63.69,
            4396.52
          ],
          [
            "2026-08-28",
            "Debit card",
            "IN-N-OUT LAS VEGAS #232",
            -13.91,
            4382.61
          ],
          [
            "2026-08-29",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            167.6,
            4550.21
          ],
          [
            "2026-08-29",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -30.69,
            4519.52
          ],
          [
            "2026-08-30",
            "Debit card",
            "DISCOUNT TIRE NVL04 LAS VEGAS NV",
            -612.48,
            3907.04
          ],
          [
            "2026-08-31",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            254.41,
            4161.45
          ],
          [
            "2026-08-31",
            "Debit card",
            "WAL-MART #2593 LAS VEGAS NV",
            -75.39,
            4086.06
          ],
          [
            "2026-09-01",
            "ACH debit",
            "MESA VERDE APTS RENT WEB",
            -1345,
            2741.06
          ],
          [
            "2026-09-01",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -35.36,
            2705.7
          ],
          [
            "2026-09-02",
            "Debit card",
            "AMAZON MKTPL*9PTHZDHK8",
            -60.71,
            2644.99
          ],
          [
            "2026-09-03",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            408.14,
            3053.13
          ],
          [
            "2026-09-03",
            "P2P out",
            "P2P TO L CASTELL",
            -200,
            2853.13
          ],
          [
            "2026-09-03",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -48.28,
            2804.85
          ],
          [
            "2026-09-04",
            "Debit card",
            "VONS #2382 LAS VEGAS NV",
            -26.89,
            2777.96
          ],
          [
            "2026-09-04",
            "Debit card",
            "TACOS EL GORDO LAS VEGAS NV",
            -11.47,
            2766.49
          ],
          [
            "2026-09-05",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            192.46,
            2958.95
          ],
          [
            "2026-09-05",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -44.92,
            2914.03
          ],
          [
            "2026-09-07",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            174.47,
            3088.5
          ],
          [
            "2026-09-07",
            "Debit card",
            "SMITH'S FOOD #4372 LAS VEGAS NV",
            -69.23,
            3019.27
          ],
          [
            "2026-09-08",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -29.04,
            2990.23
          ],
          [
            "2026-09-08",
            "Debit card",
            "PANDA EXPRESS #1882 LAS VEGAS NV",
            -23.79,
            2966.44
          ],
          [
            "2026-09-09",
            "ACH debit",
            "AT&T MOBILITY ONLINE PMT",
            -65,
            2901.44
          ],
          [
            "2026-09-10",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            147.94,
            3049.38
          ],
          [
            "2026-09-10",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -33.96,
            3015.42
          ],
          [
            "2026-09-12",
            "ACH debit",
            "CU AUTO LOAN PMT x7318",
            -424,
            2591.42
          ],
          [
            "2026-09-12",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -28.32,
            2563.1
          ],
          [
            "2026-09-13",
            "P2P in",
            "P2P FROM R OKAFOR",
            45,
            2608.1
          ],
          [
            "2026-09-13",
            "Debit card",
            "AMAZON MKTPL*UQCT9TDPL",
            -37.62,
            2570.48
          ],
          [
            "2026-09-14",
            "Debit card",
            "WAL-MART #2593 LAS VEGAS NV",
            -68.38,
            2502.1
          ],
          [
            "2026-09-15",
            "ACH debit",
            "NV ENERGY WEB PMT",
            -187.03,
            2315.07
          ],
          [
            "2026-09-16",
            "Debit card",
            "STARBUCKS STORE 11902 LAS VEGAS NV",
            -20.8,
            2294.27
          ],
          [
            "2026-09-17",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            310.15,
            2604.42
          ],
          [
            "2026-09-18",
            "ACH debit",
            "COX COMMUNICATIONS",
            -70,
            2534.42
          ],
          [
            "2026-09-18",
            "Debit card",
            "WAL-MART #2593 LAS VEGAS NV",
            -93.96,
            2440.46
          ],
          [
            "2026-09-19",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            405.02,
            2845.48
          ],
          [
            "2026-09-19",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -44.2,
            2801.28
          ],
          [
            "2026-09-19",
            "Debit card",
            "TACOS EL GORDO LAS VEGAS NV",
            -13.3,
            2787.98
          ],
          [
            "2026-09-20",
            "ACH debit",
            "CREDIT CARD PMT x2290",
            -278.05,
            2509.93
          ],
          [
            "2026-09-21",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            313.04,
            2822.97
          ],
          [
            "2026-09-21",
            "Debit card",
            "VONS #2382 LAS VEGAS NV",
            -113.64,
            2709.33
          ],
          [
            "2026-09-22",
            "ACH debit",
            "CREDIT CARD PMT x5106",
            -100.18,
            2609.15
          ],
          [
            "2026-09-22",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -45.29,
            2563.86
          ],
          [
            "2026-09-23",
            "Debit card",
            "PANDA EXPRESS #1882 LAS VEGAS NV",
            -23.43,
            2540.43
          ],
          [
            "2026-09-24",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -42.22,
            2498.21
          ],
          [
            "2026-09-25",
            "Debit card",
            "NETFLIX.COM",
            -15.49,
            2482.72
          ],
          [
            "2026-09-25",
            "Debit card",
            "STARBUCKS STORE 11902 LAS VEGAS NV",
            -17.16,
            2465.56
          ],
          [
            "2026-09-26",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            290.62,
            2756.18
          ],
          [
            "2026-09-26",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -37.35,
            2718.83
          ],
          [
            "2026-09-29",
            "Debit card",
            "CIRCLE K #2741 LAS VEGAS NV",
            -37.43,
            2681.4
          ],
          [
            "2026-10-01",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            353.06,
            3034.46
          ],
          [
            "2026-10-01",
            "ACH debit",
            "MESA VERDE APTS RENT WEB",
            -1345,
            1689.46
          ],
          [
            "2026-10-01",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -33.7,
            1655.76
          ],
          [
            "2026-10-03",
            "ACH credit",
            "QUIKRUN DELIVERY INSTANT PAYOUT",
            218.72,
            1874.48
          ],
          [
            "2026-10-03",
            "Debit card",
            "ARCO #82811 LAS VEGAS NV",
            -28.28,
            1846.2
          ]
        ]
      }
    },
    "contact_history": [],
    "rules_fired": [
      {
        "rule": "AO-112",
        "description": "SSN issued 15 or more years after date of birth"
      },
      {
        "rule": "AO-118",
        "description": "No identity records before age 25"
      },
      {
        "rule": "AO-121",
        "description": "Credit file built on authorized-user tradelines with unrelated primary cardholders"
      },
      {
        "rule": "AO-126",
        "description": "SSN associated with more than one date of birth"
      }
    ],
    "decision_request": {
      "stage": "Submission; all automated checks returned",
      "requested_at": "2026-10-05T03:46:20Z",
      "on_approval": "Account number issued, opening transfer pulled from the linked account, debit card mailed; mobile check deposit available after 30 days"
    }
  },
  "questions": {
    "identity_not_own": {
      "type": "noul",
      "instructions": "Is the applicant using an identity that isn't their own, either a real person's stolen identity or a synthetic identity built from a mix of real and invented details?"
    },
    "fraud_likelihood": {
      "type": "score",
      "instructions": "How likely is it that this application is fraudulent, whether through a stolen identity, a synthetic identity, or an applicant who plans to defraud the institution using their own identity?",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "application_type": {
      "type": "choice",
      "instructions": "Which best describes this application?",
      "criteria": {
        "legitimate": "A legitimate applicant using their own identity, with no intent to defraud",
        "stolen_identity": "Stolen identity: a real person's details used without their knowledge",
        "synthetic_identity": "Synthetic identity: a fabricated person built from a mix of real and invented details",
        "first_party": "First-party fraud: the applicant's own identity, used with intent to defraud the institution"
      }
    },
    "decision": {
      "type": "choice",
      "instructions": "What should happen to this application?",
      "criteria": {
        "approve": "Approve the application and open the account",
        "step_up": "Pause the application and require document verification with a selfie match before deciding",
        "decline": "Decline the application"
      }
    }
  }
}