{
  "model": "grayson-1",
  "context": {
    "institution": "Marlow Creek Bank (online consumer checking)",
    "application": {
      "id": "app_9TQ4K2",
      "product": "Online checking account with debit card",
      "channel": "Web",
      "started_at": "2026-09-29T02:09:31Z",
      "submitted_at": "2026-09-29T02:13:48Z",
      "applicant_name": "Jordan M. Ellery",
      "home_address_given": "4410 Harmon Ave, Ste 112 #238, Reno, NV",
      "email": "jordan.ellery.mail@example.com",
      "phone": "(775) 555-0161",
      "occupation": "Self-employed, freight logistics consulting",
      "stated_annual_income_usd": 84000,
      "expected_monthly_deposits_usd": 6000,
      "opening_deposit": {
        "amount_usd": 50,
        "method": "Debit card issued by another U.S. bank",
        "cardholder_name_matches_applicant": true
      }
    },
    "identity_verification": {
      "name_ssn_dob_match": "Name, SSN and date of birth appear together in credit-header records",
      "identity_first_reported": "2024-03",
      "address_history": [
        {
          "address": "4410 Harmon Ave, Ste 112 #238, Reno, NV",
          "first_reported": "2024-03",
          "last_reported": "2026-09"
        }
      ],
      "ssn_flags": [
        "SSN is from a range assigned only after randomization (issued June 2011 or later)",
        "SSN issued at least 18 years after the date of birth on the application"
      ],
      "death_record_match": false,
      "ofac_screening": "No match"
    },
    "credit_file": {
      "file_created": "2024-03-14",
      "credit_score": 741,
      "primary_tradelines": 0,
      "authorized_user_tradelines": [
        {
          "type": "Credit card",
          "account_opened": "2011-08",
          "applicant_added": "2024-03",
          "credit_limit_usd": 22000,
          "payment_status": "Current, never late",
          "primary_cardholder_shares_surname_or_address": false
        },
        {
          "type": "Credit card",
          "account_opened": "2014-02",
          "applicant_added": "2024-06",
          "credit_limit_usd": 15500,
          "payment_status": "Current, never late",
          "primary_cardholder_shares_surname_or_address": false
        },
        {
          "type": "Credit card",
          "account_opened": "2016-10",
          "applicant_added": "2024-11",
          "credit_limit_usd": 30000,
          "payment_status": "Current, never late",
          "primary_cardholder_shares_surname_or_address": false
        }
      ],
      "hard_inquiries_last_90_days": [
        {
          "date": "2026-08-30",
          "type": "Credit card application"
        },
        {
          "date": "2026-09-17",
          "type": "Credit card application"
        }
      ]
    },
    "deposit_account_screening": {
      "prior_closures_for_cause": 0,
      "unpaid_overdraft_balances": 0,
      "inquiries_last_30_days": 1
    },
    "email_check": {
      "first_seen": "2024-03-02",
      "domain_type": "Free webmail",
      "seen_with_other_names": false
    },
    "phone_check": {
      "line_type": "Mobile",
      "billing_type": "Postpaid",
      "number_active_since": "2024-04",
      "ported_last_90_days": false,
      "subscriber_name_matches_applicant": true
    },
    "address_check": {
      "address_type": "Commercial mail receiving agency (private mailbox at a shipping store)",
      "other_address_given": false
    },
    "device_and_network": {
      "device": "Windows 11 desktop, Chrome 129",
      "emulator_or_virtual_machine": false,
      "ip_address": "198.51.100.37",
      "ip_type": "Residential broadband",
      "proxy_vpn_or_hosting": false,
      "ip_location": "Reno, NV",
      "device_first_seen": "2026-09-29T02:09:31Z"
    },
    "velocity_last_90_days": {
      "same_device_other_applications": 0,
      "same_phone_other_applications": 0,
      "same_email_other_applications": 0,
      "same_street_address_other_applications": 2,
      "same_street_address_detail": "Different box numbers (#114 and #305) and different names. #114 was approved on 2026-07-08 and is in good standing; #305 was declined on 2026-08-19 after failing identity checks."
    },
    "form_behavior": {
      "completion_seconds": 257,
      "median_completion_seconds_for_this_form": 455,
      "ssn": "Pasted",
      "other_fields": "Typed",
      "field_corrections": 1
    }
  },
  "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?",
      "levels": [
        "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?",
      "options": {
        "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?",
      "options": {
        "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"
      }
    }
  }
}