{
  "model": "grayson-1",
  "state": {
    "institution": "Our bank (U.S. regional bank): online consumer checking",
    "application": {
      "id": "app_3PD8M1",
      "product": "Online checking with debit card and mobile check deposit",
      "channel": "Web (desktop)",
      "started_at": "2026-10-07T17:17:51Z",
      "submitted_at": "2026-10-07T17:23:21Z",
      "applicant": {
        "name": "Megan T. Albright",
        "date_of_birth": "1993-05-09",
        "age": 33,
        "ssn": "xxx-xx-3317",
        "citizenship": "U.S. citizen"
      },
      "home_address": "2186 Larkspur Ct, Columbus, OH 43221",
      "time_at_address": "2 years or more",
      "mailing_address": "Same as home",
      "email": "megan.calloway@example.com",
      "mobile_phone": "(614) 555-0119",
      "employment": {
        "status": "Employed full time",
        "occupation": "Clinical informatics analyst",
        "employer": "Brightwater Health System"
      },
      "stated_annual_income_usd": 88000,
      "account_use": {
        "purpose": "Direct deposit of pay and bill pay",
        "expected_monthly_deposits_usd": 6500,
        "mobile_check_deposits": "Occasionally",
        "cash_deposits": "None",
        "international_transfers": "No"
      },
      "debit_card_overdraft_coverage": "Declined",
      "promo_code": "BONUS300 ($300 bonus after $2,000 in direct deposits within 90 days)",
      "how_heard": "Email offer"
    },
    "identity_verification": {
      "name_ssn_dob": "Match: name, SSN and date of birth appear together in credit-header records",
      "identity_first_reported": "1998-07",
      "records_before_first_report": "Not applicable (identity reported since childhood at the Kettering, OH address)",
      "header_sources": 3,
      "name_variations": [
        {
          "name": "MEGAN T ALBRIGHT",
          "first_reported": "2023-06",
          "last_reported": "2026-09"
        },
        {
          "name": "MEGAN T CALLOWAY",
          "first_reported": "1998-07",
          "last_reported": "2023-08"
        }
      ],
      "ssn": {
        "format_and_issuance": "Valid; issued",
        "issuance": "Issued 1993-1994 in Ohio, consistent with the date of birth",
        "names_associated_with_ssn": 2,
        "names_associated_note": "Current and maiden surname, same first and middle name and date of birth",
        "dates_of_birth_associated_with_ssn": 1,
        "death_master_file": "No match"
      },
      "address_history": [
        {
          "address": "2186 Larkspur Ct, Columbus, OH 43221",
          "first_reported": "2024-04",
          "last_reported": "2026-09",
          "sources": 5
        },
        {
          "address": "1450 Olentangy Ridge Dr, Apt 3C, Columbus, OH 43214",
          "first_reported": "2019-08",
          "last_reported": "2024-05",
          "sources": 4
        },
        {
          "address": "322 Ludlow Commons Ave, Apt 12, Cincinnati, OH 45220",
          "first_reported": "2015-08",
          "last_reported": "2019-07",
          "sources": 3
        },
        {
          "address": "915 Fairhaven Ave, Kettering, OH 45429",
          "first_reported": "1998-07",
          "last_reported": "2015-09",
          "sources": 3
        }
      ],
      "phones_associated": [
        {
          "phone": "(614) 555-0119",
          "type": "Mobile",
          "first_reported": "2014-06",
          "last_reported": "2026-09"
        }
      ],
      "emails_associated": [
        {
          "email": "megan.calloway@example.com",
          "first_reported": "2012-04",
          "last_reported": "2026-09"
        },
        {
          "email": "malbright.work@example.net",
          "first_reported": "2023-07",
          "last_reported": "2026-08"
        }
      ],
      "application_phone_and_email_in_identity_records": "Both: the phone since 2014-06, the email since 2012-04",
      "vendor_scores": {
        "synthetic_identity": {
          "score": 21,
          "scale": "0-999, higher is riskier",
          "reasons": []
        },
        "identity_theft": {
          "score": 118,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "IP address is a VPN or proxy",
            "Device not previously seen"
          ]
        },
        "first_party_fraud": {
          "score": 142,
          "scale": "0-999, higher is riskier",
          "reasons": [
            "Recent account opening"
          ]
        }
      },
      "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": "2026-10-07T17:23:23Z",
      "pull_type": "Soft inquiry for identity and fraud screening",
      "file_created": "2009-06-22",
      "name_on_file": "MEGAN T ALBRIGHT (also MEGAN T CALLOWAY)",
      "employment_on_file": "Brightwater Health System (reported 2024-03 by a mortgage inquiry)",
      "score": {
        "model": "Generic risk score, 300-850",
        "value": 758,
        "factors": [
          "Length of time since most recent account opening",
          "Number of accounts with balances",
          "Delinquency in the last 24 months"
        ]
      },
      "alerts_and_freezes": "None (no fraud alert, active-duty alert or security freeze; no consumer statement)",
      "summary": {
        "tradelines_total": 11,
        "tradelines_open": 8,
        "primary_tradelines": 10,
        "authorized_user_tradelines": 1,
        "oldest_primary_tradeline_opened": "2011-08",
        "primary_revolving_limit_usd": 32500,
        "primary_revolving_balance_usd": 3830,
        "primary_revolving_utilization_pct": 11.8,
        "open_installment_balance_usd": 293061,
        "accounts_opened_last_12_months": 1,
        "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": "x4093",
          "ownership": "Authorized user",
          "opened": "2001-02",
          "authorized_user_added": "2009-06",
          "primary_cardholder_relationship": "Shares the applicant's prior surname (Calloway) and her Kettering, OH address of 1998-2015",
          "credit_limit_usd": 15000,
          "balance_usd": 1338,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            1338,
            1558,
            2355,
            1320,
            1030,
            1972,
            1366,
            1912,
            1228,
            1083,
            2021,
            942,
            1447,
            1256,
            2397,
            990,
            1040,
            2131,
            1335,
            1887,
            1641,
            2382,
            987,
            2098
          ]
        },
        {
          "creditor_type": "Federal student loan servicer",
          "account": "x0118",
          "ownership": "Individual",
          "opened": "2011-08",
          "loan_type": "Student loan",
          "original_amount_usd": 18500,
          "term_months": 120,
          "monthly_payment_usd": 214,
          "balance_usd": 0,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC"
        },
        {
          "creditor_type": "Federal student loan servicer",
          "account": "x0126",
          "ownership": "Individual",
          "opened": "2013-08",
          "loan_type": "Student loan",
          "original_amount_usd": 12000,
          "term_months": 120,
          "monthly_payment_usd": 139,
          "balance_usd": 0,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x7712",
          "ownership": "Individual",
          "opened": "2014-03",
          "credit_limit_usd": 9500,
          "balance_usd": 644,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            644,
            1036,
            883,
            1120,
            1148,
            872,
            902,
            620,
            1269,
            1202,
            849,
            1426,
            1322,
            732,
            829,
            575,
            1309,
            587,
            977,
            596,
            1065,
            1298,
            649,
            1339
          ]
        },
        {
          "creditor_type": "Retail store card (department store)",
          "account": "x3380",
          "ownership": "Individual",
          "opened": "2016-11",
          "credit_limit_usd": 3000,
          "balance_usd": 0,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCC1CCCCC",
          "statement_balances_24m_newest_first": [
            0,
            78,
            135,
            125,
            79,
            138,
            54,
            158,
            21,
            138,
            65,
            43,
            139,
            115,
            84,
            48,
            24,
            172,
            44,
            100,
            48,
            84,
            132,
            42
          ]
        },
        {
          "creditor_type": "Unsecured personal loan (bank)",
          "account": "x2049",
          "ownership": "Individual",
          "opened": "2018-05",
          "closed": "2021-05",
          "original_amount_usd": 6000,
          "term_months": 36,
          "monthly_payment_usd": 188,
          "balance_usd": 0,
          "status": "Paid in full, closed",
          "last_reported": "2021-05"
        },
        {
          "creditor_type": "Retail store card (electronics)",
          "account": "x8126",
          "ownership": "Individual",
          "opened": "2019-11",
          "closed": "2022-08",
          "credit_limit_usd": 2500,
          "balance_usd": 0,
          "status": "Closed by consumer",
          "last_reported": "2022-08"
        },
        {
          "creditor_type": "Auto finance (captive lender)",
          "account": "x5521",
          "ownership": "Individual",
          "opened": "2020-02",
          "closed": "2025-02",
          "original_amount_usd": 26800,
          "term_months": 60,
          "monthly_payment_usd": 478,
          "balance_usd": 0,
          "status": "Paid in full, closed",
          "last_reported": "2025-02",
          "payment_history_24m_newest_first": "-------------------CCCCC"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x2264",
          "ownership": "Individual",
          "opened": "2021-07",
          "credit_limit_usd": 14000,
          "balance_usd": 2774,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC",
          "statement_balances_24m_newest_first": [
            2774,
            2901,
            2163,
            1720,
            1199,
            1675,
            2131,
            1196,
            1315,
            1993,
            1937,
            1545,
            1845,
            1405,
            3041,
            1532,
            2968,
            3061,
            1930,
            1925,
            3023,
            1722,
            2569,
            2572
          ]
        },
        {
          "creditor_type": "Mortgage servicer",
          "account": "x9930",
          "ownership": "Joint",
          "opened": "2024-04",
          "loan_type": "Conventional mortgage, 30-year fixed",
          "joint_with": "DANIEL J ALBRIGHT (same address since 2024-04)",
          "original_amount_usd": 312000,
          "term_months": 360,
          "monthly_payment_usd": 2214,
          "balance_usd": 293061,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "CCCCCCCCCCCCCCCCCCCCCCCC"
        },
        {
          "creditor_type": "Bank credit card",
          "account": "x6158",
          "ownership": "Individual",
          "opened": "2026-09",
          "credit_limit_usd": 6000,
          "balance_usd": 412,
          "status": "Open, current",
          "last_reported": "2026-09",
          "payment_history_24m_newest_first": "C-----------------------",
          "statement_balances_24m_newest_first": [
            412,
            null,
            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": "2026-09-08",
          "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": "2011-08",
      "applications_with_this_ssn": {
        "last_7_days": 0,
        "last_30_days": 1,
        "last_90_days": 1,
        "last_12_months": 1
      },
      "distinct_names_dobs_with_this_ssn": {
        "names": 2,
        "dates_of_birth": 1,
        "note": "MEGAN T CALLOWAY until 2023, MEGAN T ALBRIGHT since"
      },
      "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": "14 (corporate VPN egress shared by the employer's staff)",
      "this_street_address_with_other_identities_last_12_months": "1 other identity (DANIEL J ALBRIGHT, 2025-11, auto loan, approved)",
      "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": [
          [
            "2026-09-08",
            "Bank",
            "Credit card",
            "Approved",
            true,
            true,
            true
          ]
        ]
      }
    },
    "email_check": {
      "email": "megan.calloway@example.com",
      "first_seen": "2012-04-16",
      "domain_type": "Free webmail",
      "name_match": "First name matches; surname matches the applicant's prior surname (Calloway), not her current one",
      "appears_in_known_data_breaches": 4,
      "disposable": false,
      "deliverable": true,
      "risk_score": {
        "score": 74,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "Email surname differs from applicant surname"
        ]
      }
    },
    "phone_check": {
      "phone": "(614) 555-0119",
      "line_type": "Mobile",
      "carrier": "Major U.S. wireless carrier (postpaid)",
      "first_seen": "2014-06",
      "subscriber_name": "MEGAN ALBRIGHT (carrier record, matches)",
      "ported_last_90_days": "Yes: ported 2026-09-03 from another major carrier; number in continuous use since 2014",
      "sim_change_last_30_days": "No (last SIM change 2026-09-03, with the port)",
      "sms_one_time_code": "Delivered and entered correctly",
      "other_phones_for_this_identity": "None",
      "risk_score": {
        "score": 162,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "Number ported in last 90 days"
        ]
      }
    },
    "address_check": {
      "address_type": "Single-family home",
      "usps_delivery_point": "Confirmed",
      "residential": true,
      "usps_change_of_address": "None filed",
      "property_records": "Owners MEGAN T ALBRIGHT and DANIEL J ALBRIGHT since 2024-04; owner-occupied",
      "distance_from_ip_location_miles": 161
    },
    "watchlists_and_internal": {
      "ofac_sdn": "Potential match on name similarity (0.86), auto-cleared: the listed person's date of birth, nationality and addresses differ",
      "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_a03f6d18c2e7",
      "first_seen": "2026-10-07T17:17:51Z",
      "device_type": "Laptop (enrolled in enterprise device management)",
      "os": "Windows 11",
      "browser": "Edge 141 (managed by an organization)",
      "screen": "1920x1200",
      "hardware": "12 logical cores; integrated GPU",
      "language": "en-US",
      "timezone": "America/New_York",
      "local_time_at_submission": "2026-10-07T13:23:21-04:00",
      "ip_address": "203.0.113.18",
      "ip_type": "Corporate network",
      "ip_location": "Pittsburgh, PA",
      "ip_organization": "Brightwater Health System (VPN egress)",
      "proxy_vpn_tor_or_hosting": "Corporate VPN; no anonymizing proxy, Tor or hosting provider",
      "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": 304,
        "scale": "0-999, higher is riskier",
        "reasons": [
          "VPN",
          "IP location far from home address",
          "New device"
        ]
      }
    },
    "session_behavior": {
      "navigation": "Mouse and keyboard; varied pointer paths",
      "familiarity_with_personal_data": "High: date of birth and SSN typed steadily from memory; name, email and phone filled from the browser's saved profile",
      "duration_seconds": 330,
      "median_duration_seconds_for_this_form": 462,
      "fields_typed": 11,
      "fields_pasted": 0,
      "autofill_events": 2,
      "times_left_page": 0,
      "events": {
        "columns": [
          "offset_s",
          "page",
          "field",
          "event",
          "detail"
        ],
        "rows": [
          [
            0,
            "Choose an account",
            "",
            "page_view",
            ""
          ],
          [
            13.7,
            "Choose an account",
            "product",
            "selected",
            "Online checking with debit card and mobile check deposit"
          ],
          [
            18.8,
            "Choose an account",
            "promo_code",
            "typed",
            "8 keys in 1.7 s, 0 corrections"
          ],
          [
            22.6,
            "Choose an account",
            "",
            "continue_clicked",
            ""
          ],
          [
            25.4,
            "About you",
            "",
            "page_view",
            ""
          ],
          [
            27.1,
            "About you",
            "first_name, last_name",
            "autofilled",
            "browser autofill (saved profile)"
          ],
          [
            30.6,
            "About you",
            "middle_initial",
            "typed",
            "1 keys in 0.3 s, 0 corrections"
          ],
          [
            35.6,
            "About you",
            "date_of_birth",
            "typed",
            "10 keys in 1.9 s, 0 corrections"
          ],
          [
            41.7,
            "About you",
            "ssn",
            "typed",
            "11 keys in 2.1 s, 1 correction"
          ],
          [
            46.3,
            "About you",
            "citizenship",
            "selected",
            "U.S. citizen"
          ],
          [
            49.5,
            "About you",
            "",
            "continue_clicked",
            ""
          ],
          [
            53.8,
            "Contact",
            "",
            "page_view",
            ""
          ],
          [
            55.3,
            "Contact",
            "email, mobile_phone",
            "autofilled",
            "browser autofill (saved profile)"
          ],
          [
            58,
            "Contact",
            "mobile_phone",
            "otp_sent",
            "SMS one-time code"
          ],
          [
            81.3,
            "Contact",
            "mobile_phone",
            "otp_entered",
            "correct on first try, 19.4 s after sending"
          ],
          [
            85.3,
            "Contact",
            "",
            "continue_clicked",
            ""
          ],
          [
            87.1,
            "Home address",
            "",
            "page_view",
            ""
          ],
          [
            91.1,
            "Home address",
            "street",
            "typed",
            "8 keys in 1.7 s, 0 corrections"
          ],
          [
            93.4,
            "Home address",
            "street",
            "autocomplete_selected",
            "address suggestion 1 of 3"
          ],
          [
            95.3,
            "Home address",
            "years_at_address",
            "selected",
            "2 years or more"
          ],
          [
            98.9,
            "Home address",
            "mailing_address_same",
            "checked",
            ""
          ],
          [
            103.4,
            "Home address",
            "",
            "continue_clicked",
            ""
          ],
          [
            106.8,
            "Work and income",
            "",
            "page_view",
            ""
          ],
          [
            108.9,
            "Work and income",
            "employment_status",
            "selected",
            "Employed full time"
          ],
          [
            119.9,
            "Work and income",
            "occupation",
            "typed",
            "30 keys in 6.3 s, 1 correction"
          ],
          [
            126.4,
            "Work and income",
            "employer",
            "typed",
            "25 keys in 5.1 s, 0 corrections"
          ],
          [
            129.1,
            "Work and income",
            "annual_income",
            "typed",
            "5 keys in 1.1 s, 0 corrections"
          ],
          [
            132.5,
            "Work and income",
            "",
            "continue_clicked",
            ""
          ],
          [
            134.2,
            "Account use",
            "",
            "page_view",
            ""
          ],
          [
            136.5,
            "Account use",
            "purpose",
            "selected",
            "Direct deposit of pay and bill pay"
          ],
          [
            139.3,
            "Account use",
            "expected_monthly_deposits",
            "typed",
            "4 keys in 0.8 s, 0 corrections"
          ],
          [
            142,
            "Account use",
            "mobile_check_deposits",
            "selected",
            "Occasionally"
          ],
          [
            146.4,
            "Account use",
            "cash_deposits",
            "selected",
            "None"
          ],
          [
            149.9,
            "Account use",
            "international_transfers",
            "selected",
            "No"
          ],
          [
            152.8,
            "Account use",
            "debit_card_overdraft_coverage",
            "selected",
            "Decline"
          ],
          [
            157.1,
            "Account use",
            "",
            "continue_clicked",
            ""
          ],
          [
            160.9,
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            191.3,
            "Disclosures",
            "fee_schedule",
            "opened_document",
            "scrolled to 100%, 34.2 s"
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            226.3,
            "Disclosures",
            "esign_consent",
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            227.8,
            "Disclosures",
            "account_agreement_and_fee_schedule",
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            ""
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            231.6,
            "Disclosures",
            "tax_certification",
            "checked",
            ""
          ],
          [
            233.2,
            "Disclosures",
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            "continue_clicked",
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          ],
          [
            235,
            "Fund your account",
            "",
            "page_view",
            ""
          ],
          [
            236.9,
            "Fund your account",
            "method",
            "selected",
            "Transfer from another bank (instant account link)"
          ],
          [
            239.7,
            "Fund your account",
            "account_link",
            "opened",
            "account-link window"
          ],
          [
            295,
            "Fund your account",
            "account_link",
            "completed",
            "1 institution searched, 1 login attempt, bank's own one-time code entered"
          ],
          [
            297.4,
            "Fund your account",
            "amount",
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            "3 keys in 0.6 s, 0 corrections"
          ],
          [
            299.1,
            "Fund your account",
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            "back_clicked",
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            303.8,
            "Account use",
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            307.8,
            "Account use",
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            "8 keys in 1.6 s, 2 corrections"
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            309.8,
            "Account use",
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            "continue_clicked",
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            312,
            "Review",
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            330.3,
            "Review",
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        ]
      }
    },
    "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": 2,
      "same_ip_detail": "Two applications under other names (2026-08-12, 2026-09-21), both approved and in good standing; the IP is the employer's shared VPN egress",
      "same_street_address_other_applications": {
        "count": 0
      }
    },
    "funding": {
      "method": "Transfer from another bank (instant account link)",
      "requested_opening_amount_usd": 500,
      "external_account": {
        "type": "Checking at a national bank",
        "opened": "2014-09",
        "owner_name": "MEGAN T ALBRIGHT",
        "owner_name_match": "Match",
        "owner_address": "2186 Larkspur Ct, Columbus OH",
        "balance_at_link_usd": 6284.55
      },
      "cash_flow_last_90_days": {
        "average_daily_balance_usd": 7535.1,
        "recurring_income": "Biweekly payroll from Brightwater Health System (7 deposits)",
        "inflows": "Payroll; 2 person-to-person transfers in from DANIEL ALBRIGHT",
        "outflows": "Mortgage on the 1st, utilities, internet, phone, student loans, credit card autopay, savings transfer, everyday spending",
        "everyday_spending": "Groceries, fuel, restaurants and pharmacy in the Columbus area",
        "returned_items": [],
        "overdrafts": "1 in the last 12 months (2026-02-27, $41.18, covered the next day)"
      },
      "transactions_last_90_days": {
        "note": "Posted items 2026-07-09 to 2026-10-06, from the account link; debits negative",
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            9393.12
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            9362.24
          ],
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            "2026-07-11",
            "ACH debit",
            "CREDIT CARD AUTOPAY x7712",
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            9083.58
          ],
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            "2026-07-11",
            "Debit card",
            "KROGER #0573 COLUMBUS OH",
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            "2026-07-14",
            "ACH debit",
            "AEP OHIO ONLINE PMT",
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            8851.63
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            "2026-07-15",
            "ACH debit",
            "FED LOAN SERVICER x0118 PPD",
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            8637.63
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            "2026-07-15",
            "ACH debit",
            "FED LOAN SERVICER x0126 PPD",
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            8498.63
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            "Debit card",
            "KROGER #0573 COLUMBUS OH",
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            8378.6
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            "Debit card",
            "NETFLIX.COM",
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            8363.11
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            "Debit card",
            "CHIPOTLE 2210 COLUMBUS OH",
            -39.78,
            8323.33
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            "2026-07-18",
            "ACH debit",
            "VERIZON WIRELESS PAYMENTS",
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            8119.4
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            "ACH debit",
            "COLUMBIA GAS OH PPD",
            -41.62,
            8077.78
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            "Debit card",
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            8034.8
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            -79.99,
            7954.81
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            "ACH credit",
            "BRIGHTWATER HEALTH PAYROLL PPD",
            2489.86,
            10444.67
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            "Transfer",
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            "TRADER JOE'S #678 COLUMBUS OH",
            -78.33,
            10066.34
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            "2026-07-26",
            "ACH debit",
            "CREDIT CARD AUTOPAY x2264",
            -1010.56,
            9055.78
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            "Debit card",
            "SPEEDWAY 04612 COLUMBUS OH",
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            9016.33
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            "2026-07-28",
            "ACH debit",
            "CITY OF COLUMBUS UTIL WEB",
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            "2026-07-29",
            "Debit card",
            "KROGER #0573 COLUMBUS OH",
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            8873.26
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            "2026-07-30",
            "Debit card",
            "RAISING CANES 0419 COLUMBUS OH",
            -11.79,
            8861.47
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            "Debit card",
            "CHIPOTLE 2210 COLUMBUS OH",
            -11.15,
            8850.32
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            "2026-08-01",
            "ACH debit",
            "MORTGAGE SERVICER PMT x9930 PPD",
            -2214,
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            "Debit card",
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            "Debit card",
            "RAISING CANES 0419 COLUMBUS OH",
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            "2026-08-03",
            "Debit card",
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            6577.64
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            "Debit card",
            "AMAZON MKTPL*8DN8813D5",
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            6521.95
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            "Debit card",
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            "Debit card",
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            "ACH credit",
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            8430.49
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            "Debit card",
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            "Debit card",
            "CHIPOTLE 2210 COLUMBUS OH",
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            "ACH debit",
            "CREDIT CARD AUTOPAY x7712",
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            "Debit card",
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            "P2P in",
            "ZELLE FROM DANIEL ALBRIGHT",
            400,
            8511.96
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            "Debit card",
            "KROGER #0573 COLUMBUS OH",
            -151.85,
            8360.11
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            "2026-08-14",
            "ACH debit",
            "AEP OHIO ONLINE PMT",
            -127.38,
            8232.73
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            "2026-08-15",
            "ACH debit",
            "FED LOAN SERVICER x0118 PPD",
            -214,
            8018.73
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            "2026-08-15",
            "ACH debit",
            "FED LOAN SERVICER x0126 PPD",
            -139,
            7879.73
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            "2026-08-15",
            "Debit card",
            "MEIJER #213 COLUMBUS OH",
            -116.74,
            7762.99
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            "2026-08-15",
            "Debit card",
            "CVS/PHARMACY #04471 COLUMBUS OH",
            -26.85,
            7736.14
          ],
          [
            "2026-08-16",
            "Debit card",
            "SPEEDWAY 04612 COLUMBUS OH",
            -48.23,
            7687.91
          ],
          [
            "2026-08-16",
            "Debit card",
            "PANERA BREAD #601148 COLUMBUS OH",
            -29.95,
            7657.96
          ],
          [
            "2026-08-17",
            "Debit card",
            "NETFLIX.COM",
            -15.49,
            7642.47
          ],
          [
            "2026-08-18",
            "ACH debit",
            "VERIZON WIRELESS PAYMENTS",
            -96.4,
            7546.07
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          [
            "2026-08-19",
            "ACH debit",
            "COLUMBIA GAS OH PPD",
            -32.08,
            7513.99
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          [
            "2026-08-19",
            "Debit card",
            "MEIJER #213 COLUMBUS OH",
            -82.57,
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            "ACH credit",
            "BRIGHTWATER HEALTH PAYROLL PPD",
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            "Debit card",
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            "ACH debit",
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            "Debit card",
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            "Debit card",
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            "Debit card",
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            9379.43
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            "ACH debit",
            "CREDIT CARD AUTOPAY x2264",
            -1278.06,
            8101.37
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            "Debit card",
            "MEIJER #213 COLUMBUS OH",
            -112.11,
            7989.26
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            "ACH debit",
            "CITY OF COLUMBUS UTIL WEB",
            -91.12,
            7898.14
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            "Debit card",
            "AMAZON MKTPL*J29Y5JRQB",
            -72.1,
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            "Debit card",
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            -48.6,
            7127.45
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            "Debit card",
            "AMAZON MKTPL*HXJQQ9FJZ",
            -79.14,
            7048.31
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            "ACH debit",
            "MORTGAGE SERVICER PMT x9930 PPD",
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            4834.31
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            "Debit card",
            "KROGER #0573 COLUMBUS OH",
            -72.62,
            4761.69
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            "2026-09-03",
            "Debit card",
            "T-MOBILE STORE #4182 COLUMBUS OH",
            -35,
            4726.69
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            "ACH credit",
            "BRIGHTWATER HEALTH PAYROLL PPD",
            2506.17,
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            "Debit card",
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            "Debit card",
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            6896.2
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            "Debit card",
            "SPOTIFY USA",
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            "ACH debit",
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            "Debit card",
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            -33.04,
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          [
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            "Debit card",
            "RAISING CANES 0419 COLUMBUS OH",
            -21.75,
            6228.28
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          [
            "2026-09-14",
            "Debit card",
            "CHIPOTLE 2210 COLUMBUS OH",
            -41.04,
            6187.24
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          [
            "2026-09-15",
            "ACH debit",
            "AEP OHIO ONLINE PMT",
            -162.83,
            6024.41
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          [
            "2026-09-15",
            "ACH debit",
            "FED LOAN SERVICER x0118 PPD",
            -214,
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          [
            "2026-09-15",
            "ACH debit",
            "FED LOAN SERVICER x0126 PPD",
            -139,
            5671.41
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          [
            "2026-09-15",
            "Debit card",
            "CVS/PHARMACY #04471 COLUMBUS OH",
            -28.06,
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            "Debit card",
            "KROGER #0573 COLUMBUS OH",
            -52.74,
            5590.61
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            "2026-09-17",
            "Debit card",
            "NETFLIX.COM",
            -15.49,
            5575.12
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          [
            "2026-09-18",
            "ACH credit",
            "BRIGHTWATER HEALTH PAYROLL PPD",
            2503.22,
            8078.34
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          [
            "2026-09-19",
            "ACH debit",
            "COLUMBIA GAS OH PPD",
            -40.91,
            8037.43
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          [
            "2026-09-20",
            "Debit card",
            "SPEEDWAY 04612 COLUMBUS OH",
            -43.02,
            7994.41
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          [
            "2026-09-21",
            "ACH debit",
            "T-MOBILE PCS SVC",
            -85,
            7909.41
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            "2026-09-22",
            "ACH debit",
            "SPECTRUM INTERNET",
            -79.99,
            7829.42
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            "2026-09-23",
            "Debit card",
            "KROGER #0573 COLUMBUS OH",
            -158.75,
            7670.67
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            "Transfer",
            "TRANSFER TO SAVINGS x5820",
            -300,
            7370.67
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          [
            "2026-09-26",
            "ACH debit",
            "CREDIT CARD AUTOPAY x2264",
            -1357.21,
            6013.46
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          [
            "2026-09-26",
            "Debit card",
            "TRADER JOE'S #678 COLUMBUS OH",
            -106.79,
            5906.67
          ],
          [
            "2026-09-26",
            "Debit card",
            "RAISING CANES 0419 COLUMBUS OH",
            -30.43,
            5876.24
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          [
            "2026-09-27",
            "P2P in",
            "ZELLE FROM DANIEL ALBRIGHT",
            650,
            6526.24
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          [
            "2026-09-27",
            "Debit card",
            "SPEEDWAY 04612 COLUMBUS OH",
            -40.91,
            6485.33
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          [
            "2026-09-27",
            "Debit card",
            "CVS/PHARMACY #04471 COLUMBUS OH",
            -20.08,
            6465.25
          ],
          [
            "2026-09-28",
            "ACH debit",
            "CITY OF COLUMBUS UTIL WEB",
            -86.42,
            6378.83
          ],
          [
            "2026-09-29",
            "Debit card",
            "CHIPOTLE 2210 COLUMBUS OH",
            -23.82,
            6355.01
          ],
          [
            "2026-09-29",
            "Debit card",
            "AMAZON MKTPL*LFN2G5CK1",
            -21.31,
            6333.7
          ],
          [
            "2026-09-30",
            "Debit card",
            "KROGER #0573 COLUMBUS OH",
            -54.56,
            6279.14
          ],
          [
            "2026-10-01",
            "ACH debit",
            "MORTGAGE SERVICER PMT x9930 PPD",
            -2214,
            4065.14
          ],
          [
            "2026-10-02",
            "ACH credit",
            "BRIGHTWATER HEALTH PAYROLL PPD",
            2495.75,
            6560.89
          ],
          [
            "2026-10-02",
            "Debit card",
            "STARBUCKS STORE 08812 COLUMBUS OH",
            -29.97,
            6530.92
          ],
          [
            "2026-10-03",
            "Debit card",
            "MEIJER #213 COLUMBUS OH",
            -72.28,
            6458.64
          ],
          [
            "2026-10-04",
            "Debit card",
            "SPEEDWAY 04612 COLUMBUS OH",
            -46.29,
            6412.35
          ],
          [
            "2026-10-04",
            "Debit card",
            "PANERA BREAD #601148 COLUMBUS OH",
            -21.4,
            6390.95
          ],
          [
            "2026-10-05",
            "Debit card",
            "CHIPOTLE 2210 COLUMBUS OH",
            -43.22,
            6347.73
          ],
          [
            "2026-10-06",
            "Debit card",
            "KROGER #0573 COLUMBUS OH",
            -63.18,
            6284.55
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        ]
      }
    },
    "contact_history": [
      {
        "at": "2026-10-07T16:52:09Z",
        "channel": "Website chat (not authenticated; not a customer)",
        "summary": "Asked whether the $300 bonus needs her whole paycheck sent by direct deposit or only part of it. Told any direct deposits totaling $2,000 within 90 days qualify.",
        "transcript": {
          "columns": [
            "speaker",
            "text"
          ],
          "rows": [
            [
              "Visitor",
              "hi, quick question about the $300 checking bonus"
            ],
            [
              "Agent (Priya, digital support)",
              "Hi! Happy to help. What would you like to know?"
            ],
            [
              "Visitor",
              "does my whole paycheck have to go to the new account or can I split it? I want to keep part of it going to my current bank for the mortgage"
            ],
            [
              "Agent (Priya, digital support)",
              "You can split it. Any direct deposits that add up to $2,000 within 90 days of opening qualify."
            ],
            [
              "Visitor",
              "ok great. and when does the bonus show up?"
            ],
            [
              "Agent (Priya, digital support)",
              "Within 30 days after you meet the requirement."
            ],
            [
              "Visitor",
              "perfect, thanks!"
            ]
          ]
        }
      }
    ],
    "rules_fired": [
      {
        "rule": "AO-090",
        "description": "OFAC potential match (auto-cleared)"
      },
      {
        "rule": "AO-133",
        "description": "IP is a VPN or proxy"
      },
      {
        "rule": "AO-140",
        "description": "IP location more than 150 miles from home address"
      },
      {
        "rule": "AO-221",
        "description": "Phone ported in last 90 days"
      },
      {
        "rule": "AO-262",
        "description": "Email surname differs from applicant surname"
      }
    ],
    "decision_request": {
      "stage": "Submission; all automated checks returned",
      "requested_at": "2026-10-07T17:23:25Z",
      "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"
      }
    }
  }
}