{
  "model": "grayson-1",
  "state": {
    "institution": "Our bank (U.S. regional bank): online consumer checking",
    "application": {
      "id": "app_7KX2W9",
      "product": "Online checking with debit card and mobile check deposit",
      "channel": "Web (desktop)",
      "started_at": "2026-10-06T05:32:40Z",
      "submitted_at": "2026-10-06T05:34:41Z",
      "applicant": {
        "name": "Avery L. Kessling",
        "date_of_birth": "1989-02-17",
        "age": 37,
        "ssn": "xxx-xx-6402",
        "citizenship": "U.S. citizen"
      },
      "home_address": "3870 Desert Willow Pkwy, Ste 9 #1184, Henderson, NV 89052",
      "time_at_address": "2 years or more",
      "mailing_address": "Same as home",
      "email": "avery.kessling89@example.com",
      "mobile_phone": "(702) 555-0187",
      "employment": {
        "status": "Self-employed",
        "occupation": "Mobile auto detailing",
        "business_name": "Kessling Mobile Detailing"
      },
      "stated_annual_income_usd": 96000,
      "account_use": {
        "purpose": "Everyday spending and bill pay",
        "expected_monthly_deposits_usd": 9000,
        "mobile_check_deposits": "Yes, about $6,000 a month",
        "cash_deposits": "Under $1,000 a month",
        "international_transfers": "No"
      },
      "debit_card_overdraft_coverage": "Opted in",
      "promo_code": "BONUS300 ($300 bonus after $2,000 in direct deposits within 90 days)",
      "how_heard": "Search ad"
    },
    "identity_verification": {
      "name_ssn_dob": "Match: name, SSN and date of birth appear together in credit-header records",
      "identity_first_reported": "2023-05",
      "records_before_first_report": "None: no address, phone, utility, property or public records before 2023-05 (applicant age 34 then)",
      "header_sources": 2,
      "name_variations": [],
      "ssn": {
        "format_and_issuance": "Valid; issued",
        "issuance": "Randomized range: issued June 2011 or later, at least 22 years after the date of birth",
        "names_associated_with_ssn": 1,
        "dates_of_birth_associated_with_ssn": 1,
        "death_master_file": "No match"
      },
      "address_history": [
        {
          "address": "3870 Desert Willow Pkwy, Ste 9 #1184, Henderson, NV 89052",
          "first_reported": "2024-07",
          "last_reported": "2026-09",
          "sources": 2
        },
        {
          "address": "1720 W Sorrel Ridge Dr, Apt 2108, Phoenix, AZ 85021",
          "first_reported": "2023-05",
          "last_reported": "2024-06",
          "sources": 1
        }
      ],
      "phones_associated": [
        {
          "phone": "(702) 555-0187",
          "type": "Non-fixed VoIP",
          "first_reported": "2023-05",
          "last_reported": "2026-09"
        }
      ],
      "emails_associated": [
        {
          "email": "avery.kessling89@example.com",
          "first_reported": "2023-05",
          "last_reported": "2026-09"
        }
      ],
      "application_phone_and_email_in_identity_records": "Both, since 2023-05",
      "vendor_scores": {
        "synthetic_identity": {
          "score": 912,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "No identity records before age 30",
            "SSN issued long after date of birth",
            "Credit established mainly through authorized-user tradelines",
            "Address is a commercial mail receiving agency"
          ]
        },
        "identity_theft": {
          "score": 236,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Device not previously seen"
          ]
        },
        "first_party_fraud": {
          "score": 781,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Rapid credit acquisition in last 90 days",
            "Revolving utilization sharply increased"
          ]
        }
      },
      "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": "2026-10-06T05:34:43Z",
      "pull_type": "Soft inquiry for identity and fraud screening",
      "file_created": "2023-05-11",
      "name_on_file": "AVERY L KESSLING",
      "employment_on_file": "Self-employed (reported 2024-02 by an inquiry)",
      "score": {
        "model": "Generic risk score, 300-850",
        "value": 694,
        "factors": [
          "Proportion of revolving balances to limits is too high",
          "Too many inquiries in the last 12 months",
          "Too many accounts opened recently",
          "Length of time accounts have been established"
        ]
      },
      "alerts_and_freezes": "None (no fraud alert, active-duty alert or security freeze; no consumer statement)",
      "summary": {
        "tradelines_total": 11,
        "tradelines_open": 10,
        "primary_tradelines": 7,
        "authorized_user_tradelines": 4,
        "oldest_primary_tradeline_opened": "2024-02",
        "primary_revolving_limit_usd": 81500,
        "primary_revolving_balance_usd": 79196,
        "primary_revolving_utilization_pct": 97.2,
        "open_installment_balance_usd": 11593,
        "accounts_opened_last_12_months": 4,
        "hard_inquiries_last_90_days": 8,
        "hard_inquiries_last_12_months": 11,
        "late_payments_last_24_months": 0,
        "collections": 0,
        "public_records": 0
      },
      "tradelines": [
        {
          "creditor_type": "Bank credit card",
          "account": "x8841",
          "ownership": "Authorized user",
          "opened": "2009-03",
          "authorized_user_added": "2023-06",
          "primary_cardholder_relationship": "No shared surname or address; primary cardholder's address history is in Texas",
          "credit_limit_usd": 25000,
          "balance_usd": 786,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            786,
            1533,
            595,
            1261,
            1380,
            1205,
            627,
            1581,
            660,
            1195,
            1440,
            1527,
            1093,
            1743,
            1290,
            1643,
            650,
            1745,
            708,
            637,
            1369,
            1731,
            1250,
            1615
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x2207",
          "ownership": "Authorized user",
          "opened": "2012-11",
          "authorized_user_added": "2023-07",
          "primary_cardholder_relationship": "No shared surname or address; primary cardholder's address history is in Florida",
          "credit_limit_usd": 18500,
          "balance_usd": 187,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            187,
            435,
            733,
            672,
            343,
            228,
            724,
            215,
            916,
            563,
            892,
            521,
            658,
            399,
            848,
            650,
            222,
            526,
            561,
            467,
            728,
            477,
            350,
            583
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x5519",
          "ownership": "Authorized user",
          "opened": "2007-05",
          "authorized_user_added": "2023-09",
          "primary_cardholder_relationship": "No shared surname or address; primary cardholder's address history is in Georgia",
          "credit_limit_usd": 32000,
          "balance_usd": 2189,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            2189,
            2369,
            1268,
            1159,
            2203,
            1793,
            3129,
            1588,
            1946,
            3118,
            2713,
            1733,
            2606,
            2919,
            2005,
            1398,
            2956,
            1891,
            2205,
            2776,
            964,
            1262,
            2168,
            2062
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x0373",
          "ownership": "Authorized user",
          "opened": "2015-01",
          "authorized_user_added": "2024-01",
          "primary_cardholder_relationship": "No shared surname or address; primary cardholder's address history is in Illinois",
          "closed": "2024-07",
          "credit_limit_usd": 21000,
          "balance_usd": 0,
          "status": "Authorized user removed",
          "last_reported": "2024-07"
        },
        {
          "creditor_type": "Retail store card (home furnishings)",
          "account": "x6610",
          "ownership": "Individual",
          "opened": "2024-02",
          "credit_limit_usd": 4500,
          "balance_usd": 4388,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            4388,
            3951,
            902,
            503,
            310,
            590,
            228,
            655,
            606,
            342,
            251,
            290,
            253,
            570,
            573,
            309,
            511,
            372,
            585,
            661,
            387,
            454,
            584,
            355
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x3156",
          "ownership": "Individual",
          "opened": "2024-04",
          "credit_limit_usd": 12000,
          "balance_usd": 11640,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            11640,
            9884,
            4210,
            533,
            898,
            263,
            362,
            643,
            419,
            285,
            903,
            342,
            872,
            524,
            647,
            366,
            392,
            930,
            284,
            310,
            667,
            571,
            701,
            605
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x9027",
          "ownership": "Individual",
          "opened": "2025-01",
          "credit_limit_usd": 18000,
          "balance_usd": 17212,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCC---",
          "statement_balances_24m_newest_first": [
            17212,
            14903,
            6488,
            642,
            314,
            807,
            436,
            810,
            551,
            832,
            716,
            214,
            245,
            836,
            366,
            806,
            758,
            540,
            417,
            778,
            525,
            null,
            null,
            null
          ]
        },
        {
          "creditor_type": "Unsecured personal loan (online lender)",
          "account": "x4471",
          "ownership": "Individual",
          "opened": "2025-11",
          "original_amount_usd": 15000,
          "term_months": 36,
          "monthly_payment_usd": 542,
          "balance_usd": 11593,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCC-------------"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x1768",
          "ownership": "Individual",
          "opened": "2026-07",
          "credit_limit_usd": 22000,
          "balance_usd": 21455,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCC---------------------",
          "statement_balances_24m_newest_first": [
            21455,
            12406,
            0,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null
          ]
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x5832",
          "ownership": "Individual",
          "opened": "2026-08",
          "credit_limit_usd": 15000,
          "balance_usd": 14630,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CC----------------------",
          "statement_balances_24m_newest_first": [
            14630,
            8115,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null
          ]
        },
        {
          "creditor_type": "Credit union credit card",
          "account": "x0294",
          "ownership": "Individual",
          "opened": "2026-08",
          "credit_limit_usd": 10000,
          "balance_usd": 9871,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CC----------------------",
          "statement_balances_24m_newest_first": [
            9871,
            2240,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null,
            null
          ]
        }
      ],
      "hard_inquiries_last_24_months": [
        {
          "date": "2025-01-08",
          "industry": "Bank credit card"
        },
        {
          "date": "2025-11-03",
          "industry": "Personal loan (online lender)"
        },
        {
          "date": "2026-07-02",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-07-02",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-07-19",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-08-04",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-08-05",
          "industry": "Credit union credit card"
        },
        {
          "date": "2026-08-22",
          "industry": "Auto finance"
        },
        {
          "date": "2026-09-09",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-09-10",
          "industry": "Personal loan (online lender)"
        },
        {
          "date": "2026-09-28",
          "industry": "Bank credit card"
        },
        {
          "date": "2026-10-01",
          "industry": "Bank credit card"
        }
      ]
    },
    "deposit_account_screening": {
      "prior_closures_for_cause": 0,
      "unpaid_overdraft_or_charge_off_balances": 0,
      "deposit_inquiries": {
        "last_30_days": 2,
        "last_90_days": 3,
        "last_12_months": 3
      },
      "id_verification_alerts": "None"
    },
    "consortium": {
      "ssn_first_seen_at_members": "2023-05",
      "applications_with_this_ssn": {
        "last_7_days": 1,
        "last_30_days": 4,
        "last_90_days": 7,
        "last_12_months": 10
      },
      "distinct_names_dobs_with_this_ssn": {
        "names": 1,
        "dates_of_birth": 1
      },
      "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": "11 distinct identities applied at members using other box numbers at this address; 3 have confirmed fraud reports (2 synthetic identity, 1 first-party)",
      "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": [
          [
            "2026-07-02",
            "Bank",
            "Credit card",
            "Declined",
            true,
            true,
            true
          ],
          [
            "2026-07-02",
            "Bank",
            "Credit card",
            "Declined",
            true,
            true,
            true
          ],
          [
            "2026-07-19",
            "Bank",
            "Credit card",
            "Approved",
            true,
            true,
            true
          ],
          [
            "2026-08-04",
            "Bank",
            "Credit card",
            "Approved",
            true,
            true,
            true
          ],
          [
            "2026-08-05",
            "Credit union",
            "Credit card",
            "Approved",
            true,
            true,
            true
          ],
          [
            "2026-09-09",
            "Bank",
            "Credit card",
            "Declined",
            true,
            true,
            true
          ],
          [
            "2026-09-14",
            "Online bank",
            "Checking",
            "Approved",
            true,
            true,
            true
          ],
          [
            "2026-09-28",
            "Bank",
            "Credit card",
            "Pending",
            true,
            true,
            true
          ],
          [
            "2026-10-01",
            "Bank",
            "Credit card",
            "Declined",
            true,
            true,
            true
          ]
        ]
      }
    },
    "email_check": {
      "email": "avery.kessling89@example.com",
      "first_seen": "2023-05-02",
      "domain_type": "Free webmail",
      "name_match": "Full name match",
      "appears_in_known_data_breaches": 0,
      "disposable": false,
      "deliverable": true,
      "risk_score": {
        "score": 418,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "No breach or online history for an email over 3 years old"
        ]
      }
    },
    "phone_check": {
      "phone": "(702) 555-0187",
      "line_type": "Non-fixed VoIP",
      "carrier": "Internet calling provider",
      "first_seen": "2023-05",
      "subscriber_name": "AVERY KESSLING (registered by the account holder, not verified by a carrier)",
      "ported_last_90_days": false,
      "sim_change_last_30_days": "Not applicable (VoIP)",
      "sms_one_time_code": "Delivered and entered correctly",
      "other_phones_for_this_identity": "None",
      "risk_score": {
        "score": 655,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "Non-fixed VoIP line"
        ]
      }
    },
    "address_check": {
      "address_type": "Commercial mail receiving agency (private mailbox at a shipping store); unit is a box number",
      "usps_delivery_point": "Confirmed",
      "residential": false,
      "usps_change_of_address": "None filed",
      "property_records": "Commercial retail center; owner is a property management company",
      "distance_from_ip_location_miles": 6
    },
    "watchlists_and_internal": {
      "ofac_sdn": "No match",
      "politically_exposed_person": "No match",
      "internal_negative_file": "No match on name, SSN, phone, email or device; street address matches 1 account closed for cause (see velocity)",
      "existing_customer": "None",
      "prior_applications_at_our_bank": 0
    },
    "device_and_network": {
      "device_id": "dev_5e81c0a94f2b",
      "first_seen": "2026-10-06T05:32:40Z",
      "device_type": "Desktop",
      "os": "Windows 10",
      "browser": "Chrome 141",
      "screen": "1920x1080",
      "hardware": "8 logical cores; GPU reported as a generic renderer",
      "language": "en-US",
      "timezone": "America/Los_Angeles",
      "local_time_at_submission": "2026-10-05T22:34:41-07:00",
      "ip_address": "198.51.100.144",
      "ip_type": "Residential broadband (cable ISP)",
      "ip_location": "Las Vegas, NV",
      "proxy_vpn_tor_or_hosting": "None detected",
      "emulator_or_virtual_machine": false,
      "fingerprint_integrity": "Spoofing detected: canvas and WebGL hashes change on every page load, reported fonts don't match Windows 10, and navigator properties are inconsistent (anti-detect browser likely)",
      "remote_access_software": "None detected",
      "cookies": "None from earlier visits",
      "seen_with_other_identities": {
        "our_bank": 0,
        "consortium": 0
      },
      "risk_score": {
        "score": 861,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "Fingerprint spoofing",
          "New device"
        ]
      }
    },
    "session_behavior": {
      "navigation": "Keyboard (Tab key) between fields; little pointer movement, in straight lines",
      "familiarity_with_personal_data": "Low: name, date of birth, SSN, email and street were pasted, most after switching to another window",
      "duration_seconds": 122,
      "median_duration_seconds_for_this_form": 462,
      "fields_typed": 6,
      "fields_pasted": 9,
      "autofill_events": 1,
      "times_left_page": 5,
      "events": {
        "columns": [
          "offset_s",
          "page",
          "field",
          "event",
          "detail"
        ],
        "rows": [
          [
            0,
            "Choose an account",
            "",
            "page_view",
            ""
          ],
          [
            1.8,
            "Choose an account",
            "product",
            "selected",
            "Online checking with debit card and mobile check deposit"
          ],
          [
            2.7,
            "Choose an account",
            "promo_code",
            "pasted",
            "8 characters"
          ],
          [
            3.8,
            "Choose an account",
            "",
            "continue_clicked",
            ""
          ],
          [
            4.8,
            "About you",
            "",
            "page_view",
            ""
          ],
          [
            6.5,
            "About you",
            "first_name",
            "left_page",
            "switched to another window or app"
          ],
          [
            9.6,
            "About you",
            "first_name",
            "returned",
            "after 3.1 s"
          ],
          [
            10,
            "About you",
            "first_name",
            "pasted",
            "5 characters"
          ],
          [
            11.3,
            "About you",
            "middle_initial",
            "pasted",
            "1 characters"
          ],
          [
            12.4,
            "About you",
            "last_name",
            "pasted",
            "8 characters"
          ],
          [
            13.4,
            "About you",
            "date_of_birth",
            "left_page",
            "switched to another window or app"
          ],
          [
            15.8,
            "About you",
            "date_of_birth",
            "returned",
            "after 2.4 s"
          ],
          [
            16.2,
            "About you",
            "date_of_birth",
            "pasted",
            "10 characters"
          ],
          [
            17,
            "About you",
            "ssn",
            "left_page",
            "switched to another window or app"
          ],
          [
            19.9,
            "About you",
            "ssn",
            "returned",
            "after 2.9 s"
          ],
          [
            20.4,
            "About you",
            "ssn",
            "pasted",
            "9 characters"
          ],
          [
            21.3,
            "About you",
            "citizenship",
            "selected",
            "U.S. citizen"
          ],
          [
            22.3,
            "About you",
            "",
            "continue_clicked",
            ""
          ],
          [
            23.6,
            "Contact",
            "",
            "page_view",
            ""
          ],
          [
            25,
            "Contact",
            "email",
            "left_page",
            "switched to another window or app"
          ],
          [
            27.2,
            "Contact",
            "email",
            "returned",
            "after 2.2 s"
          ],
          [
            27.7,
            "Contact",
            "email",
            "pasted",
            "28 characters"
          ],
          [
            28.6,
            "Contact",
            "mobile_phone",
            "pasted",
            "10 characters"
          ],
          [
            29.9,
            "Contact",
            "mobile_phone",
            "otp_sent",
            "SMS one-time code"
          ],
          [
            43.6,
            "Contact",
            "mobile_phone",
            "otp_entered",
            "correct on first try, 11.8 s after sending"
          ],
          [
            44.3,
            "Contact",
            "",
            "continue_clicked",
            ""
          ],
          [
            45.5,
            "Home address",
            "",
            "page_view",
            ""
          ],
          [
            46.9,
            "Home address",
            "street",
            "left_page",
            "switched to another window or app"
          ],
          [
            49.5,
            "Home address",
            "street",
            "returned",
            "after 2.6 s"
          ],
          [
            49.8,
            "Home address",
            "street",
            "pasted",
            "23 characters"
          ],
          [
            52.4,
            "Home address",
            "unit",
            "typed",
            "11 keys in 1.1 s, 0 corrections"
          ],
          [
            54.2,
            "Home address",
            "zip",
            "typed",
            "5 keys in 0.6 s, 0 corrections"
          ],
          [
            55.4,
            "Home address",
            "city, state",
            "autofilled",
            "from ZIP code"
          ],
          [
            56.7,
            "Home address",
            "years_at_address",
            "selected",
            "2 years or more"
          ],
          [
            58.1,
            "Home address",
            "mailing_address_same",
            "checked",
            ""
          ],
          [
            58.9,
            "Home address",
            "",
            "continue_clicked",
            ""
          ],
          [
            60.1,
            "Work and income",
            "",
            "page_view",
            ""
          ],
          [
            61,
            "Work and income",
            "employment_status",
            "selected",
            "Self-employed"
          ],
          [
            64,
            "Work and income",
            "occupation",
            "typed",
            "21 keys in 2.2 s, 0 corrections"
          ],
          [
            65.2,
            "Work and income",
            "annual_income",
            "typed",
            "5 keys in 0.5 s, 0 corrections"
          ],
          [
            66,
            "Work and income",
            "",
            "continue_clicked",
            ""
          ],
          [
            66.7,
            "Account use",
            "",
            "page_view",
            ""
          ],
          [
            67.5,
            "Account use",
            "purpose",
            "selected",
            "Everyday spending and bill pay"
          ],
          [
            68.6,
            "Account use",
            "expected_monthly_deposits",
            "typed",
            "4 keys in 0.4 s, 0 corrections"
          ],
          [
            69.5,
            "Account use",
            "mobile_check_deposits",
            "selected",
            "Yes, about $6,000 a month"
          ],
          [
            70.4,
            "Account use",
            "cash_deposits",
            "selected",
            "Under $1,000 a month"
          ],
          [
            71.3,
            "Account use",
            "international_transfers",
            "selected",
            "No"
          ],
          [
            72.6,
            "Account use",
            "debit_card_overdraft_coverage",
            "selected",
            "Opt in"
          ],
          [
            73.5,
            "Account use",
            "",
            "continue_clicked",
            ""
          ],
          [
            74.6,
            "Disclosures",
            "",
            "page_view",
            ""
          ],
          [
            75.5,
            "Disclosures",
            "esign_consent",
            "checked",
            "1.4 s after page view; consent text not scrolled"
          ],
          [
            76.9,
            "Disclosures",
            "account_agreement_and_fee_schedule",
            "checked",
            "documents not opened"
          ],
          [
            77.6,
            "Disclosures",
            "tax_certification",
            "checked",
            ""
          ],
          [
            79,
            "Disclosures",
            "",
            "continue_clicked",
            ""
          ],
          [
            80,
            "Fund your account",
            "",
            "page_view",
            ""
          ],
          [
            81.2,
            "Fund your account",
            "method",
            "selected",
            "Transfer from another bank (instant account link)"
          ],
          [
            82.3,
            "Fund your account",
            "account_link",
            "opened",
            "account-link window"
          ],
          [
            113.2,
            "Fund your account",
            "account_link",
            "completed",
            "1 institution searched, 1 login attempt"
          ],
          [
            115,
            "Fund your account",
            "amount",
            "typed",
            "3 keys in 0.3 s, 0 corrections"
          ],
          [
            115.9,
            "Fund your account",
            "",
            "continue_clicked",
            ""
          ],
          [
            117.1,
            "Review",
            "",
            "page_view",
            ""
          ],
          [
            121.6,
            "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": 5,
        "detail": {
          "columns": [
            "date",
            "box",
            "name_on_application",
            "outcome",
            "status_now"
          ],
          "rows": [
            [
              "2026-07-14",
              "#1121",
              "Different name",
              "Approved",
              "Closed 2026-09-19 for returned deposited checks; $4,860 loss"
            ],
            [
              "2026-08-02",
              "#1307",
              "Different name",
              "Declined",
              "Identity not verified at step-up"
            ],
            [
              "2026-08-27",
              "#0942",
              "Different name",
              "Declined",
              "Identity not verified at step-up"
            ],
            [
              "2026-09-03",
              "#1215",
              "Different name",
              "Approved",
              "Open; extended holds on deposited checks"
            ],
            [
              "2026-09-30",
              "#1460",
              "Different name",
              "Pending",
              "Step-up not completed"
            ]
          ]
        }
      }
    },
    "funding": {
      "method": "Transfer from another bank (instant account link)",
      "requested_opening_amount_usd": 100,
      "external_account": {
        "type": "Checking at an online bank",
        "opened": "2024-02",
        "owner_name": "AVERY KESSLING",
        "owner_name_match": "Match",
        "owner_address": "3870 Desert Willow Pkwy Ste 9 #1184, Henderson NV",
        "balance_at_link_usd": 95.49
      },
      "cash_flow_last_90_days": {
        "average_daily_balance_usd": 582.45,
        "recurring_income": "None detected (no payroll, benefits or business deposits)",
        "inflows": "37 person-to-person transfers in from 15 different senders, $24,450.00 total",
        "outflows": "Person-to-person transfers out $20,201.44; card and loan payments $2,950.00; ATM $1,200.00",
        "everyday_spending": "4 fast-food purchases; no groceries, fuel, utilities, rent or subscriptions besides a VoIP line and a mailbox rental",
        "returned_items": [
          {
            "date": "2026-09-23",
            "item": "Card issuer x1768 payment, $3,200.00",
            "return_reason": "R01 insufficient funds"
          },
          {
            "date": "2026-09-30",
            "item": "Card issuer x9027 payment, $4,750.00",
            "return_reason": "R01 insufficient funds"
          }
        ],
        "overdrafts": "3 in the last 90 days (2026-09-03, balance -$74.78; 2026-09-12, balance -$105.19; 2026-09-14, balance -$115.18), covered by the next transfer in"
      },
      "transactions_last_90_days": {
        "note": "Posted items 2026-07-08 to 2026-10-05, from the account link; debits negative",
        "columns": [
          "posted",
          "type",
          "description",
          "amount_usd",
          "balance_usd"
        ],
        "rows": [
          [
            "2026-07-12",
            "P2P in",
            "P2P FROM C DUNMORE",
            350,
            534.1
          ],
          [
            "2026-07-12",
            "ACH debit",
            "CREDIT CARD PMT x3156 WEB",
            -40,
            494.1
          ],
          [
            "2026-07-14",
            "ACH debit",
            "VOIP SERVICE MONTHLY WEB",
            -9.99,
            484.11
          ],
          [
            "2026-07-14",
            "P2P out",
            "P2P TO M ODELL",
            -330.43,
            153.68
          ],
          [
            "2026-07-17",
            "P2P in",
            "P2P FROM R VOLKERT",
            1200,
            1353.68
          ],
          [
            "2026-07-18",
            "P2P in",
            "P2P FROM L CARRAWAY",
            800,
            2153.68
          ],
          [
            "2026-07-19",
            "P2P out",
            "P2P TO R QUENNELL",
            -1110.73,
            1042.95
          ],
          [
            "2026-07-20",
            "ACH debit",
            "ONLINE LENDER LOAN PMT x4471 WEB",
            -542,
            500.95
          ],
          [
            "2026-07-21",
            "P2P in",
            "P2P FROM N FAIRLOW",
            1200,
            1700.95
          ],
          [
            "2026-07-21",
            "Debit card",
            "SHIP & MAIL CENTER HENDERSON NV",
            -96,
            1604.95
          ],
          [
            "2026-07-21",
            "P2P out",
            "P2P TO R QUENNELL",
            -872.27,
            732.68
          ],
          [
            "2026-07-23",
            "P2P out",
            "P2P TO M ODELL",
            -557.82,
            174.86
          ],
          [
            "2026-07-25",
            "ACH debit",
            "CREDIT CARD PMT x6610 WEB",
            -35,
            139.86
          ],
          [
            "2026-07-28",
            "ACH debit",
            "CREDIT CARD PMT x9027 WEB",
            -40,
            99.86
          ],
          [
            "2026-07-30",
            "P2P in",
            "P2P FROM C DUNMORE",
            1000,
            1099.86
          ],
          [
            "2026-07-30",
            "Debit card",
            "MCDONALD'S F14562 HENDERSON NV",
            -11.37,
            1088.49
          ],
          [
            "2026-08-01",
            "P2P out",
            "P2P TO J PRUETT",
            -958.62,
            129.87
          ],
          [
            "2026-08-05",
            "P2P in",
            "P2P FROM S WINTERBOURNE",
            300,
            429.87
          ],
          [
            "2026-08-09",
            "P2P in",
            "P2P FROM M ODELL",
            400,
            829.87
          ],
          [
            "2026-08-10",
            "P2P out",
            "P2P TO R QUENNELL",
            -623.64,
            206.23
          ],
          [
            "2026-08-11",
            "P2P in",
            "P2P FROM K ASHWORTH",
            250,
            456.23
          ],
          [
            "2026-08-12",
            "ACH debit",
            "CREDIT CARD PMT x3156 WEB",
            -126,
            330.23
          ],
          [
            "2026-08-13",
            "P2P in",
            "P2P FROM M ODELL",
            1200,
            1530.23
          ],
          [
            "2026-08-13",
            "P2P out",
            "P2P TO B TALLIS",
            -342.29,
            1187.94
          ],
          [
            "2026-08-14",
            "ACH debit",
            "VOIP SERVICE MONTHLY WEB",
            -9.99,
            1177.95
          ],
          [
            "2026-08-15",
            "P2P out",
            "P2P TO R QUENNELL",
            -1087.04,
            90.91
          ],
          [
            "2026-08-17",
            "Debit card",
            "TACO BELL #031452 LAS VEGAS NV",
            -14.06,
            76.85
          ],
          [
            "2026-08-19",
            "P2P in",
            "P2P FROM D BRANNIGAN",
            800,
            876.85
          ],
          [
            "2026-08-20",
            "P2P in",
            "P2P FROM R VOLKERT",
            500,
            1376.85
          ],
          [
            "2026-08-20",
            "ACH debit",
            "ONLINE LENDER LOAN PMT x4471 WEB",
            -542,
            834.85
          ],
          [
            "2026-08-21",
            "P2P out",
            "P2P TO M ODELL",
            -754.85,
            80
          ],
          [
            "2026-08-22",
            "P2P in",
            "P2P FROM K ASHWORTH",
            450,
            530
          ],
          [
            "2026-08-23",
            "P2P out",
            "P2P TO R QUENNELL",
            -422.01,
            107.99
          ],
          [
            "2026-08-25",
            "ACH debit",
            "CREDIT CARD PMT x6610 WEB",
            -40,
            67.99
          ],
          [
            "2026-08-26",
            "P2P in",
            "P2P FROM E STROUD",
            350,
            417.99
          ],
          [
            "2026-08-28",
            "P2P in",
            "P2P FROM D BRANNIGAN",
            500,
            917.99
          ],
          [
            "2026-08-28",
            "ACH debit",
            "CREDIT CARD PMT x9027 WEB",
            -198,
            719.99
          ],
          [
            "2026-08-29",
            "P2P out",
            "P2P TO B TALLIS",
            -609.26,
            110.73
          ],
          [
            "2026-08-30",
            "P2P in",
            "P2P FROM J PRUETT",
            600,
            710.73
          ],
          [
            "2026-08-31",
            "P2P out",
            "P2P TO R QUENNELL",
            -540.82,
            169.91
          ],
          [
            "2026-09-01",
            "P2P in",
            "P2P FROM J PRUETT",
            300,
            469.91
          ],
          [
            "2026-09-02",
            "P2P out",
            "P2P TO R QUENNELL",
            -294.69,
            175.22
          ],
          [
            "2026-09-03",
            "ACH debit",
            "CREDIT CARD PMT x1768 WEB",
            -250,
            -74.78
          ],
          [
            "2026-09-04",
            "P2P in",
            "P2P FROM T HADLEY",
            200,
            125.22
          ],
          [
            "2026-09-05",
            "P2P in",
            "P2P FROM L CARRAWAY",
            250,
            375.22
          ],
          [
            "2026-09-06",
            "P2P in",
            "P2P FROM P HOLLIS",
            150,
            525.22
          ],
          [
            "2026-09-06",
            "Debit card",
            "JACK IN THE BOX 7731 HENDERSON NV",
            -16.48,
            508.74
          ],
          [
            "2026-09-07",
            "P2P in",
            "P2P FROM D BRANNIGAN",
            300,
            808.74
          ],
          [
            "2026-09-07",
            "P2P out",
            "P2P TO J PRUETT",
            -310.47,
            498.27
          ],
          [
            "2026-09-08",
            "P2P in",
            "P2P FROM M ODELL",
            1500,
            1998.27
          ],
          [
            "2026-09-09",
            "ATM",
            "ATM WITHDRAWAL 7-ELEVEN HENDERSON NV",
            -500,
            1498.27
          ],
          [
            "2026-09-10",
            "P2P in",
            "P2P FROM V ARKWRIGHT",
            1200,
            2698.27
          ],
          [
            "2026-09-10",
            "P2P out",
            "P2P TO R QUENNELL",
            -1387.56,
            1310.71
          ],
          [
            "2026-09-11",
            "P2P out",
            "P2P TO M ODELL",
            -1097.9,
            212.81
          ],
          [
            "2026-09-12",
            "ACH debit",
            "CREDIT CARD PMT x3156 WEB",
            -318,
            -105.19
          ],
          [
            "2026-09-14",
            "ACH debit",
            "VOIP SERVICE MONTHLY WEB",
            -9.99,
            -115.18
          ],
          [
            "2026-09-16",
            "P2P in",
            "P2P FROM A MERRITT",
            500,
            384.82
          ],
          [
            "2026-09-17",
            "P2P in",
            "P2P FROM T HADLEY",
            1200,
            1584.82
          ],
          [
            "2026-09-18",
            "P2P in",
            "P2P FROM S WINTERBOURNE",
            250,
            1834.82
          ],
          [
            "2026-09-18",
            "ACH debit",
            "CREDIT CARD PMT x5832 WEB",
            -35,
            1799.82
          ],
          [
            "2026-09-19",
            "P2P in",
            "P2P FROM A MERRITT",
            750,
            2549.82
          ],
          [
            "2026-09-19",
            "ATM",
            "ATM WITHDRAWAL SUNSET RD LAS VEGAS NV",
            -300,
            2249.82
          ],
          [
            "2026-09-20",
            "P2P in",
            "P2P FROM G LINDQVIST",
            400,
            2649.82
          ],
          [
            "2026-09-20",
            "ACH debit",
            "ONLINE LENDER LOAN PMT x4471 WEB",
            -542,
            2107.82
          ],
          [
            "2026-09-21",
            "P2P out",
            "P2P TO M ODELL",
            -2027.44,
            80.38
          ],
          [
            "2026-09-22",
            "P2P in",
            "P2P FROM S WINTERBOURNE",
            800,
            880.38
          ],
          [
            "2026-09-22",
            "ACH debit",
            "CU CREDIT CARD PMT x0294 WEB",
            -100,
            780.38
          ],
          [
            "2026-09-23",
            "P2P out",
            "P2P TO B TALLIS",
            -590.83,
            189.55
          ],
          [
            "2026-09-25",
            "P2P in",
            "P2P FROM V ARKWRIGHT",
            1500,
            1689.55
          ],
          [
            "2026-09-25",
            "ACH debit",
            "CREDIT CARD PMT x6610 WEB",
            -142,
            1547.55
          ],
          [
            "2026-09-26",
            "P2P in",
            "P2P FROM R VOLKERT",
            600,
            2147.55
          ],
          [
            "2026-09-26",
            "Debit card",
            "IN-N-OUT HENDERSON #241 HENDERSON NV",
            -19.29,
            2128.26
          ],
          [
            "2026-09-27",
            "P2P in",
            "P2P FROM E STROUD",
            300,
            2428.26
          ],
          [
            "2026-09-27",
            "P2P out",
            "P2P TO B TALLIS",
            -2033.07,
            395.19
          ],
          [
            "2026-09-28",
            "P2P in",
            "P2P FROM G LINDQVIST",
            350,
            745.19
          ],
          [
            "2026-09-29",
            "P2P in",
            "P2P FROM K ASHWORTH",
            1000,
            1745.19
          ],
          [
            "2026-09-30",
            "P2P in",
            "P2P FROM N FAIRLOW",
            1000,
            2745.19
          ],
          [
            "2026-09-30",
            "P2P out",
            "P2P TO R QUENNELL",
            -1581.49,
            1163.7
          ],
          [
            "2026-10-01",
            "P2P in",
            "P2P FROM J PRUETT",
            1200,
            2363.7
          ],
          [
            "2026-10-01",
            "ATM",
            "ATM WITHDRAWAL SUNSET RD LAS VEGAS NV",
            -400,
            1963.7
          ],
          [
            "2026-10-02",
            "P2P in",
            "P2P FROM P HOLLIS",
            600,
            2563.7
          ],
          [
            "2026-10-02",
            "P2P out",
            "P2P TO R QUENNELL",
            -1747.64,
            816.06
          ],
          [
            "2026-10-03",
            "P2P in",
            "P2P FROM L CARRAWAY",
            200,
            1016.06
          ],
          [
            "2026-10-05",
            "P2P out",
            "P2P TO J PRUETT",
            -920.57,
            95.49
          ]
        ]
      }
    },
    "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-207",
        "description": "Home address is a commercial mail receiving agency"
      },
      {
        "rule": "AO-209",
        "description": "Street address on 3 or more applications under other names in 90 days"
      },
      {
        "rule": "AO-231",
        "description": "Non-fixed VoIP phone"
      },
      {
        "rule": "AO-305",
        "description": "Device fingerprint spoofing"
      },
      {
        "rule": "AO-312",
        "description": "Personal data pasted after switching windows"
      },
      {
        "rule": "AO-415",
        "description": "6 or more hard inquiries in 90 days"
      },
      {
        "rule": "AO-420",
        "description": "Primary revolving utilization above 90% after being under 10% within 6 months"
      },
      {
        "rule": "AO-611",
        "description": "Returned ACH items in the linked account in the last 30 days"
      }
    ],
    "decision_request": {
      "stage": "Submission; all automated checks returned",
      "requested_at": "2026-10-06T05:34:45Z",
      "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"
      }
    }
  }
}