{
  "model": "grayson-1",
  "state": {
    "customer": {
      "customer_id": "B-0418830",
      "name": "Halyard Point Seafood LLC",
      "type": "Florida limited liability company, formed 2014",
      "customer_since": "2019-06-03",
      "business": "Wholesale distributor of frozen shrimp and fish to restaurants, seafood markets and two regional grocery chains in west Florida; imports frozen shrimp from packers in Ecuador and India as importer of record",
      "naics": "424460 Fish and Seafood Merchant Wholesalers",
      "address": "Warehouse and office, Tampa, FL 33605 (leased)",
      "annual_revenue_usd": 5600000,
      "revenue_source": "2025 federal tax return and financial statements (line of credit annual review, 2026-04)",
      "employees": 14,
      "beneficial_owners": [
        {
          "name": "Thomas J. Albright",
          "role": "Managing member",
          "ownership_pct": 70
        },
        {
          "name": "Nadia R. Albright",
          "role": "Member",
          "ownership_pct": 30
        }
      ],
      "other_contacts": "Lisa Mercado, controller (authorized signer since 2022)",
      "expected_activity": {
        "monthly_credits_usd": "380,000 to 620,000 (higher in Lent and December)",
        "credit_sources": "ACH from grocery chains and restaurant groups, remote-deposited checks, daily card settlements",
        "incoming_wires": "None expected",
        "international_wires_out": "2 to 6 a month, $40,000 to $140,000 each, to shrimp packers in Ecuador and India",
        "suppliers_named": "Empacadora Bahia Dorada S.A. (Guayaquil), Productos del Mar Puerto Bolivar S.A. (Machala), Seaview Marine Exports Pvt Ltd (Visakhapatnam)",
        "cash": "None"
      },
      "risk_rating": "Medium (international wires, importer); last reviewed 2025-06-16",
      "products": [
        "Business checking x7742 (operating)",
        "Revolving line of credit x7750 ($750,000; never past due)",
        "Commercial cards"
      ]
    },
    "screening": {
      "sanctions": "No match on the company, owners or regular counterparties. Wire screening on 2026-09-09: Lorvan Import Export Corp partially matched a listed entity with a similar name; dismissed the same day (different name, country and registration)",
      "pep": "No politically exposed persons among the owners",
      "adverse_media": "None on the company, its owners, Meridian Crest Trading LLC, Lorvan Import Export Corp or Agroexport Costa Azul S.A. (searched 2026-09-12)"
    },
    "accounts": [
      {
        "account": "Business checking x7742 (operating)",
        "opened": "2019-06-03",
        "signers": "Thomas J. Albright, Lisa Mercado",
        "status": "Open, no restrictions",
        "balance_now_usd": 332286.09
      },
      {
        "account": "Line of credit x7750",
        "limit_usd": 750000,
        "outstanding_usd": 410000,
        "note": "Drawn 2026-02 for Lent inventory; paid down monthly"
      }
    ],
    "monthly_summary": {
      "note": "Operating account x7742, by calendar month (Eastern time)",
      "columns": [
        "month",
        "credits_usd",
        "ach_and_card_credits_usd",
        "checks_deposited_usd",
        "wires_in_usd",
        "debits_usd",
        "international_wires_out_usd",
        "international_wires_out_count",
        "payroll_usd",
        "freight_customs_storage_usd",
        "ending_balance_usd"
      ],
      "rows": [
        [
          "2025-10",
          496587.79,
          257760.43,
          238827.36,
          0,
          451087.01,
          207250.02,
          2,
          109904.43,
          78711.21,
          788105.33
        ],
        [
          "2025-11",
          380449.87,
          173981.08,
          206468.79,
          0,
          421630.18,
          206920.87,
          2,
          90393.76,
          67312.43,
          746925.02
        ],
        [
          "2025-12",
          521181.76,
          267359.09,
          253822.67,
          0,
          388118.96,
          123290.37,
          1,
          113788.4,
          95922.09,
          879987.82
        ],
        [
          "2026-01",
          427685.78,
          210162.08,
          217523.7,
          0,
          548129.66,
          322634.36,
          4,
          84277.05,
          85623.03,
          759543.94
        ],
        [
          "2026-02",
          414638.7,
          225708.92,
          188929.78,
          0,
          565903.28,
          345856.98,
          3,
          87740.57,
          85448.51,
          608279.36
        ],
        [
          "2026-03",
          644860.06,
          373723.72,
          271136.34,
          0,
          713309.97,
          457942.83,
          4,
          92509.58,
          97829.22,
          539829.45
        ],
        [
          "2026-04",
          429024.58,
          236470.79,
          192553.79,
          0,
          541199.49,
          279583.1,
          3,
          111479.3,
          94963.19,
          427654.54
        ],
        [
          "2026-05",
          386748.49,
          222729.52,
          164018.97,
          0,
          517893.3,
          280620.32,
          3,
          87736.46,
          91821.72,
          296509.73
        ],
        [
          "2026-06",
          442166.97,
          217164.19,
          225002.78,
          0,
          443847.39,
          214247.51,
          2,
          89219.24,
          84596,
          294829.31
        ],
        [
          "2026-07",
          417271.56,
          212926.49,
          204345.07,
          0,
          419837.9,
          167245.05,
          2,
          108912.98,
          85255.14,
          292262.97
        ],
        [
          "2026-08",
          855814.82,
          210389.24,
          244925.58,
          400500,
          833509.78,
          612995.04,
          4,
          88464.28,
          75933.18,
          314568.01
        ],
        [
          "2026-09",
          906456.17,
          234699.96,
          187756.21,
          484000,
          912762.01,
          697094.22,
          5,
          82000.32,
          77951.8,
          308262.17
        ],
        [
          "2026-10 (to 10-07)",
          359657.6,
          71170.86,
          25986.74,
          262500,
          335633.68,
          257250,
          1,
          21165.59,
          35418.09,
          332286.09
        ]
      ]
    },
    "counterparties": {
      "note": "Everyone the account paid or was paid by through ACH or wire since 2026-07-15 (checks, card settlements, payroll and overhead billers excluded); first_activity is the first item with them in our records",
      "columns": [
        "id",
        "name",
        "kind",
        "bank_or_location",
        "first_activity",
        "credits",
        "credits_usd",
        "debits",
        "debits_usd",
        "notes"
      ],
      "rows": [
        [
          "C01",
          "Productos del Mar Puerto Bolivar S.A.",
          "Supplier (shrimp packer)",
          "Machala, Ecuador",
          "2022-04-11",
          0,
          0,
          2,
          140524.63,
          "Listed on the 2025 international wire questionnaire"
        ],
        [
          "C02",
          "Bayshore Hospitality Group",
          "Customer (restaurant group)",
          "Regional bank, FL",
          "2020-01-15",
          10,
          71851.38,
          0,
          0,
          null
        ],
        [
          "C03",
          "Channelside Restaurant Group LLC",
          "Customer (restaurant group)",
          "Large national bank",
          "2022-06-06",
          10,
          51300.15,
          0,
          0,
          null
        ],
        [
          "C04",
          "Palmetto Dock Seafood House Inc",
          "Customer (restaurant)",
          "Community bank, FL",
          "2019-07-22",
          8,
          47116.81,
          0,
          0,
          null
        ],
        [
          "C05",
          "Gulf Breeze Grocers Inc",
          "Customer (regional grocery chain)",
          "Regional bank, FL",
          "2019-09-10",
          12,
          299789.69,
          0,
          0,
          null
        ],
        [
          "C06",
          "Suncoast Fresh Markets LLC",
          "Customer (grocery)",
          "Large national bank",
          "2021-03-02",
          6,
          77339.64,
          0,
          0,
          null
        ],
        [
          "C07",
          "Bayport Customs Brokerage Inc",
          "Customs broker",
          "Regional bank, FL",
          "2019-08-20",
          0,
          0,
          11,
          82925.58,
          "Files the customer's import entries"
        ],
        [
          "C08",
          "Thomas J. Albright, personal checking x7790",
          "Owner (70%), account with us",
          "Our bank",
          "2019-06-03",
          0,
          0,
          3,
          36000,
          "Managing member's personal account"
        ],
        [
          "C09",
          "Hillsborough Cold Storage LLC",
          "Cold storage warehouse",
          "Community bank, FL",
          "2019-07-01",
          0,
          0,
          3,
          58729.22,
          null
        ],
        [
          "C10",
          "Gulfline Reefer Logistics",
          "Ocean and truck freight",
          "Large national bank",
          "2020-05-14",
          0,
          0,
          7,
          65774.61,
          null
        ],
        [
          "C11",
          "Empacadora Bahia Dorada S.A.",
          "Supplier (shrimp packer)",
          "Guayaquil, Ecuador",
          "2019-08-05",
          0,
          0,
          3,
          279611.41,
          "Listed on the 2025 international wire questionnaire"
        ],
        [
          "C12",
          "Meridian Crest Trading LLC",
          "Buyer the customer says it acts for",
          "Large national bank, Miami FL",
          "2026-08-11",
          4,
          909000,
          0,
          0,
          "First wire 2026-08-11; Florida LLC registered 2026-04-28"
        ],
        [
          "C13",
          "Agroexport Costa Azul S.A.",
          "Shrimp packer (new beneficiary)",
          "Guayaquil, Ecuador",
          "2026-08-12",
          0,
          0,
          5,
          1124060,
          "First wire 2026-08-12; not on the 2025 international wire questionnaire"
        ],
        [
          "C14",
          "Seaview Marine Exports Pvt Ltd",
          "Supplier (shrimp packer)",
          "Visakhapatnam, India",
          "2021-02-18",
          0,
          0,
          1,
          102848.97,
          "Listed on the 2025 international wire questionnaire"
        ],
        [
          "C15",
          "Lorvan Import Export Corp",
          "Third-party payer",
          "Regional bank, Miami FL",
          "2026-09-09",
          1,
          238000,
          0,
          0,
          "One wire, 'on behalf of' Meridian Crest Trading"
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item on x7742 from 2026-07-15 to now; amounts signed (debits negative); balance is the ledger balance after the item",
      "columns": [
        "ts",
        "type",
        "amount_usd",
        "balance_usd",
        "description",
        "counterparty",
        "detail"
      ],
      "rows": [
        [
          "2026-07-15T13:00:00Z",
          "ach_credit",
          392.63,
          222558.39,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-15T21:37:13Z",
          "remote_deposit",
          16948.26,
          239506.65,
          "REMOTE DEPOSIT CAPTURE 7 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-07-16T13:00:00Z",
          "ach_credit",
          2020.63,
          241527.28,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-16T15:33:20Z",
          "wire_out",
          -79705.75,
          161821.53,
          "OUTGOING INTL WIRE USD",
          "C01",
          "online wire; beneficiary Productos del Mar Puerto Bolivar S.A., Machala, Ecuador; OBI \"INV 1078 FROZEN SHRIMP\""
        ],
        [
          "2026-07-16T18:00:00Z",
          "ach_debit",
          -15353.85,
          146467.68,
          "PAYCHEX PAYROLL",
          null,
          "SEC CCD; 14 employees"
        ],
        [
          "2026-07-16T18:00:00Z",
          "ach_debit",
          -4759.69,
          141707.99,
          "PAYCHEX TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-17T09:30:00Z",
          "ach_credit",
          5547.82,
          147255.81,
          "BAYSHORE HOSPITALITY PAYABLES",
          "C02",
          "SEC CCD"
        ],
        [
          "2026-07-17T09:30:00Z",
          "ach_credit",
          2800.9,
          150056.71,
          "CHANNELSIDE RESTAURA PAYABLES",
          "C03",
          "SEC CCD"
        ],
        [
          "2026-07-17T09:30:00Z",
          "ach_credit",
          4289.44,
          154346.15,
          "PALMETTO DOCK SEAFOO PAYABLES",
          "C04",
          "SEC CCD"
        ],
        [
          "2026-07-17T13:00:00Z",
          "ach_credit",
          262.94,
          154609.09,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-17T21:19:07Z",
          "remote_deposit",
          19123.08,
          173732.17,
          "REMOTE DEPOSIT CAPTURE 5 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-07-20T10:00:00Z",
          "ach_debit",
          -7845.73,
          165886.44,
          "WEX INC FLEET PMT",
          null,
          "SEC CCD; delivery trucks fuel"
        ],
        [
          "2026-07-20T13:00:00Z",
          "ach_credit",
          1125.51,
          167011.95,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-20T21:19:14Z",
          "remote_deposit",
          15421.91,
          182433.86,
          "REMOTE DEPOSIT CAPTURE 7 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-07-21T09:30:00Z",
          "ach_credit",
          17703.77,
          200137.63,
          "GULF BREEZE GROCERS AP",
          "C05",
          "SEC CCD; weekly invoices"
        ],
        [
          "2026-07-21T13:00:00Z",
          "ach_credit",
          2040.16,
          202177.79,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-22T13:00:00Z",
          "ach_credit",
          1830.14,
          204007.93,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-22T21:10:20Z",
          "remote_deposit",
          17015.09,
          221023.02,
          "REMOTE DEPOSIT CAPTURE 6 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-07-23T09:30:00Z",
          "ach_credit",
          14325.27,
          235348.29,
          "SUNCOAST FRESH MKTS PAYABLES",
          "C06",
          "SEC CCD"
        ],
        [
          "2026-07-23T11:00:00Z",
          "ach_debit",
          -9502.34,
          225845.95,
          "BAYPORT CUSTOMS BRKG",
          "C07",
          "SEC CCD; duties and entry fees"
        ],
        [
          "2026-07-23T13:00:00Z",
          "ach_credit",
          1691.19,
          227537.14,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-23T18:00:00Z",
          "ach_debit",
          -17466.26,
          210070.88,
          "PAYCHEX PAYROLL",
          null,
          "SEC CCD; 14 employees"
        ],
        [
          "2026-07-23T18:00:00Z",
          "ach_debit",
          -5414.54,
          204656.34,
          "PAYCHEX TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-24T09:30:00Z",
          "ach_credit",
          8290.81,
          212947.15,
          "BAYSHORE HOSPITALITY PAYABLES",
          "C02",
          "SEC CCD"
        ],
        [
          "2026-07-24T09:30:00Z",
          "ach_credit",
          8149.98,
          221097.13,
          "PALMETTO DOCK SEAFOO PAYABLES",
          "C04",
          "SEC CCD"
        ],
        [
          "2026-07-24T13:00:00Z",
          "ach_credit",
          2270.24,
          223367.37,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-24T21:53:10Z",
          "remote_deposit",
          19408.77,
          242776.14,
          "REMOTE DEPOSIT CAPTURE 8 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-07-27T10:00:00Z",
          "loan_payment",
          -2785.19,
          239990.95,
          "LOC INTEREST x7750",
          null,
          "our line of credit"
        ],
        [
          "2026-07-27T13:00:00Z",
          "ach_credit",
          459.9,
          240450.85,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-27T21:44:15Z",
          "remote_deposit",
          22965.35,
          263416.2,
          "REMOTE DEPOSIT CAPTURE 8 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-07-28T09:30:00Z",
          "ach_credit",
          19173.64,
          282589.84,
          "GULF BREEZE GROCERS AP",
          "C05",
          "SEC CCD; weekly invoices"
        ],
        [
          "2026-07-28T11:00:00Z",
          "ach_debit",
          -8624,
          273965.84,
          "BAYPORT CUSTOMS BRKG",
          "C07",
          "SEC CCD; duties and entry fees"
        ],
        [
          "2026-07-28T13:00:00Z",
          "ach_credit",
          1667.54,
          275633.38,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-28T20:10:20Z",
          "transfer_out",
          -12000,
          263633.38,
          "ONLINE TRANSFER TO x7790",
          "C08",
          "monthly owner draw"
        ],
        [
          "2026-07-29T13:00:00Z",
          "ach_credit",
          1043.9,
          264677.28,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-29T21:38:24Z",
          "remote_deposit",
          20955.88,
          285633.16,
          "REMOTE DEPOSIT CAPTURE 9 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-07-30T13:00:00Z",
          "ach_credit",
          688.77,
          286321.93,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-30T18:00:00Z",
          "ach_debit",
          -16381.96,
          269939.97,
          "PAYCHEX PAYROLL",
          null,
          "SEC CCD; 14 employees"
        ],
        [
          "2026-07-30T18:00:00Z",
          "ach_debit",
          -5078.41,
          264861.56,
          "PAYCHEX TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-31T09:30:00Z",
          "ach_credit",
          6790.8,
          271652.36,
          "BAYSHORE HOSPITALITY PAYABLES",
          "C02",
          "SEC CCD"
        ],
        [
          "2026-07-31T09:30:00Z",
          "ach_credit",
          3879.06,
          275531.42,
          "CHANNELSIDE RESTAURA PAYABLES",
          "C03",
          "SEC CCD"
        ],
        [
          "2026-07-31T13:00:00Z",
          "ach_credit",
          277.43,
          275808.85,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-07-31T21:12:34Z",
          "remote_deposit",
          16454.12,
          292262.97,
          "REMOTE DEPOSIT CAPTURE 5 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-08-03T10:00:00Z",
          "ach_debit",
          -21800,
          270462.97,
          "PORT SUTTON INDUSTRIAL RENT",
          null,
          "SEC CCD; warehouse and office lease"
        ],
        [
          "2026-08-03T13:00:00Z",
          "ach_credit",
          1884.46,
          272347.43,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-08-03T21:02:28Z",
          "remote_deposit",
          25314.78,
          297662.21,
          "REMOTE DEPOSIT CAPTURE 8 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
          "2026-08-04T09:30:00Z",
          "ach_credit",
          26200.34,
          323862.55,
          "GULF BREEZE GROCERS AP",
          "C05",
          "SEC CCD; weekly invoices"
        ],
        [
          "2026-08-04T13:00:00Z",
          "ach_credit",
          1218.55,
          325081.1,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-08-05T10:00:00Z",
          "ach_debit",
          -18669.47,
          306411.63,
          "HILLSBOROUGH COLD STORAGE",
          "C09",
          "SEC CCD; monthly storage"
        ],
        [
          "2026-08-05T13:00:00Z",
          "ach_credit",
          2324,
          308735.63,
          "MERCHANT SVCS SETTLEMENT",
          null,
          "card sales, prior business day"
        ],
        [
          "2026-08-05T21:46:33Z",
          "remote_deposit",
          16942.23,
          325677.86,
          "REMOTE DEPOSIT CAPTURE 5 ITEMS",
          null,
          "restaurant and seafood market checks"
        ],
        [
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          "online wire; beneficiary Productos del Mar Puerto Bolivar S.A., Machala, Ecuador; OBI \"INV 6735 FROZEN SHRIMP\""
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          "2026-09-10T18:00:00Z",
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          "2026-09-14T10:00:00Z",
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          "2026-09-14T13:00:00Z",
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          "2026-09-18T11:00:00Z",
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          "2026-09-18T21:13:23Z",
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          "2026-09-21T13:00:00Z",
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          "2026-09-21T15:28:09Z",
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          "online wire; beneficiary Empacadora Bahia Dorada S.A., Guayaquil, Ecuador; OBI \"INV 3338 FROZEN SHRIMP\""
        ],
        [
          "2026-09-21T21:58:00Z",
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          "restaurant and seafood market checks"
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        ],
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        ],
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          "2026-09-23T13:00:00Z",
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          "card sales, prior business day"
        ],
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          "2026-09-23T15:09:30Z",
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          "online wire; beneficiary Agroexport Costa Azul S.A., account x4418 at a bank in Guayaquil, Ecuador; OBI \"PI CA-2026-109 1X40 REEFER FROZEN SHRIMP\""
        ],
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          "2026-09-23T21:29:18Z",
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          "restaurant and seafood market checks"
        ],
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          "2026-09-24T13:00:00Z",
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        ],
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        ],
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          "2026-09-24T18:00:00Z",
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          "SEC CCD"
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          "2026-09-25T10:00:00Z",
          "loan_payment",
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          "our line of credit"
        ],
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        [
          "2026-09-25T21:06:14Z",
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          "restaurant and seafood market checks"
        ],
        [
          "2026-09-28T13:00:00Z",
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          "card sales, prior business day"
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          "2026-09-28T20:10:08Z",
          "transfer_out",
          -12000,
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          "ONLINE TRANSFER TO x7790",
          "C08",
          "monthly owner draw"
        ],
        [
          "2026-09-28T21:14:07Z",
          "remote_deposit",
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          "REMOTE DEPOSIT CAPTURE 6 ITEMS",
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          "restaurant and seafood market checks"
        ],
        [
          "2026-09-29T09:30:00Z",
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        ],
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          "card sales, prior business day"
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          "REMOTE DEPOSIT CAPTURE 9 ITEMS",
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          "restaurant and seafood market checks"
        ],
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          "SEC CCD"
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          "2026-10-01T10:00:00Z",
          "ach_debit",
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          "PORT SUTTON INDUSTRIAL RENT",
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          "SEC CCD; warehouse and office lease"
        ],
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          "2026-10-01T11:00:00Z",
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        ],
        [
          "2026-10-02T14:15:18Z",
          "wire_in",
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          "Fedwire; originator Meridian Crest Trading LLC, Miami FL; OBI \"PO MCT-0929 SHRIMP\""
        ],
        [
          "2026-10-02T21:27:43Z",
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          "restaurant and seafood market checks"
        ],
        [
          "2026-10-05T10:00:00Z",
          "ach_debit",
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        ],
        [
          "2026-10-05T13:00:00Z",
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          "card sales, prior business day"
        ],
        [
          "2026-10-05T15:37:57Z",
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          "C13",
          "online wire; beneficiary Agroexport Costa Azul S.A., account x4418 at a bank in Guayaquil, Ecuador; OBI \"PI CA-2026-118 1X40 REEFER FROZEN SHRIMP\""
        ],
        [
          "2026-10-05T21:15:29Z",
          "remote_deposit",
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          "restaurant and seafood market checks"
        ],
        [
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        ],
        [
          "2026-10-06T11:00:00Z",
          "ach_debit",
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        ],
        [
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        ],
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          "card sales, prior business day"
        ]
      ]
    },
    "matched_wires": {
      "note": "Each incoming wire and the outgoing wire to Agroexport Costa Azul S.A. that followed it",
      "columns": [
        "wire_in_date",
        "payer",
        "in_usd",
        "wire_out_date",
        "out_usd",
        "kept_usd",
        "reference_in",
        "reference_out"
      ],
      "rows": [
        [
          "2026-08-11",
          "Meridian Crest Trading LLC",
          186000,
          "2026-08-12",
          182280,
          3720,
          "PO MCT-0804",
          "PI CA-2026-071"
        ],
        [
          "2026-08-27",
          "Meridian Crest Trading LLC",
          214500,
          "2026-08-28",
          210210,
          4290,
          "PO MCT-0819",
          "PI CA-2026-084"
        ],
        [
          "2026-09-09",
          "Lorvan Import Export Corp",
          238000,
          "2026-09-10",
          233240,
          4760,
          "INV HPS-0907",
          "PI CA-2026-097"
        ],
        [
          "2026-09-22",
          "Meridian Crest Trading LLC",
          246000,
          "2026-09-23",
          241080,
          4920,
          "PO MCT-0915",
          "PI CA-2026-109"
        ],
        [
          "2026-10-02",
          "Meridian Crest Trading LLC",
          262500,
          "2026-10-05",
          257250,
          5250,
          "PO MCT-0929",
          "PI CA-2026-118"
        ]
      ]
    },
    "prior_alerts": [
      {
        "alert_id": "AML-VOL-2025-031207",
        "created": "2025-03-12",
        "scenario": "International wire volume above profile",
        "outcome": "Closed 2025-03-20, no SAR: Lent season purchases from the three named packers; invoices for four wires reviewed."
      }
    ],
    "customer_contact": [
      {
        "ts": "2026-09-14T14:30:00Z",
        "channel": "Request for information sent through the business banking portal to Thomas J. Albright and Lisa Mercado",
        "text": "We are reviewing recent wires on your account: three incoming wires from Meridian Crest Trading LLC and Lorvan Import Export Corp, and the outgoing wires that followed to Agroexport Costa Azul S.A. Please tell us the purpose of these payments and your relationship with each company, and send supporting documents such as contracts, invoices, bills of lading and customs entries."
      },
      {
        "ts": "2026-09-24T19:05:00Z",
        "channel": "Portal reply from Lisa Mercado (controller), with attachments",
        "text": "Hi, Meridian Crest is a new importer in Miami started by Julian Marsh, who used to be a sales manager at Bahia Dorada and has known Tom for years. Costa Azul is a packer Julian works with. Costa Azul only ships on prepayment from buyers it has a history with, or against a letter of credit, and Meridian's bank hasn't approved their LC line yet. So for now we place and prepay the orders and Meridian pays us the invoice plus 2%. The containers ship to Meridian in Miami and Meridian's broker clears them, so we don't have the customs entries. Lorvan is Meridian's financing partner and paid one order for them. Attached: our commission agreement with Meridian (signed July 20), Meridian's purchase orders and Costa Azul's pro-forma invoices for the first four orders. I've asked Meridian for the bills of lading. Lisa"
      },
      {
        "ts": "2026-09-29T20:15:00Z",
        "channel": "Call notes (analyst and relationship manager with Thomas J. Albright)",
        "note": "Albright repeated the controller's explanation and said the arrangement is meant to last 'a few months until Meridian has its own credit with the packers'. Asked why Costa Azul accepts Halyard's prepayment though Halyard has never bought from it: Costa Azul's sales manager came from Bahia Dorada and knows Halyard. Asked about Lorvan: 'an investor in Meridian, I don't know them myself'. He said he would get the shipping documents. He was open and didn't object to any question."
      },
      {
        "ts": "2026-10-01T15:40:00Z",
        "channel": "Portal message from Lisa Mercado, with attachment",
        "text": "Attached is the bill of lading for the first container. Meridian says the others are on the way to them and they'll send the paperwork as they get it. The fifth order (PI 118) goes out Monday. Lisa"
      },
      {
        "ts": "2026-10-06T13:20:00Z",
        "channel": "Relationship manager note",
        "note": "Long-standing client with a clean credit history; they see brokering for Meridian as a way to grow. Asked that the review not delay their regular supplier wires."
      }
    ],
    "case_notes": [
      {
        "ts": "2026-09-12T15:10:00Z",
        "note": "Florida registry: Meridian Crest Trading LLC registered 2026-04-28, manager Julian Marsh, principal address a shared office suite in Doral, FL; website domain registered 2026-05-03. Lorvan Import Export Corp: active since 2015, general merchandise exporter, Miami. Ecuador company registry: Agroexport Costa Azul S.A., incorporated 2018, activity export of aquaculture products. No adverse media on any of them."
      },
      {
        "ts": "2026-10-06T18:45:00Z",
        "note": "Document review. Commission agreement dated 2026-07-20, signed by Albright and Marsh: Halyard prepays Costa Azul's invoices for Meridian and is paid the invoice plus 2%. Purchase orders and pro-forma invoices for orders 1 to 4 match the outgoing wires to the cent and describe 1 x 40-foot reefer container each of frozen head-on white shrimp (sizes 26/30 and 31/35). The bill of lading for order 1: shipper Agroexport Costa Azul S.A., consignee Meridian Crest Trading LLC, loaded in Guayaquil 2026-08-26 for Port Everglades, 1,200 cartons, 18,000 kg net. That is $4.59 a pound, in line with what Halyard paid its own packers for 26/30 shrimp in August and September ($4.45 to $4.80). Order 1 was loaded 15 days after Halyard paid for it; on that timing orders 2 and 3 would have been loaded by mid-September and landed by the end of the month. No bills of lading for orders 2 to 4 (order 2 paid 2026-08-28) and no documents for order 5, which was wired on 2026-10-05. No customs entries, since Meridian is said to be the importer of record. Nothing links Lorvan to Meridian beyond the customer's statement and the wire text. Halyard's own purchases from its three named packers continued as usual through the period. No 314(b) request sent yet."
      }
    ],
    "alert": {
      "alert_id": "AML-WIR-2026-091104",
      "created": "2026-09-11T10:20:00Z",
      "scenario": "Wires in and out / third-party payments",
      "status": "Customer replied to the request for information; decision due",
      "rules_fired": [
        "WIR-07 incoming wire followed within 3 business days by an international wire of 95% or more of its amount (3 pairs at alert; 5 now)",
        "WIR-09 wire received from a third party on behalf of another party ($238,000.00 from Lorvan Import Export Corp on 2026-09-09)",
        "WIR-05 new international beneficiary, $100,000 or more (Agroexport Costa Azul S.A., Guayaquil, Ecuador)",
        "PRF-03 incoming wires on an account not expected to receive them ($452,500.00 in the 30 days before the alert)"
      ],
      "linked_since_alert": "Two more pairs: $246,000.00 in on 2026-09-22 and $241,080.00 out on 2026-09-23; $262,500.00 in on 2026-10-02 and $257,250.00 out on 2026-10-05",
      "monitoring_model_score": 0.83,
      "last_30_days": {
        "window": "2026-09-07T13:00:00Z to 2026-10-07T13:00:00Z",
        "credits_usd": 1181178.76,
        "wires_in_usd": 746500,
        "wires_in_monthly_average_2025_10_to_2026_07_usd": 0,
        "international_wires_out_usd": 886182.08,
        "international_wires_out_monthly_average_2025_10_to_2026_07_usd": 260559.14,
        "balance_at_end_usd": 332286.09
      }
    }
  },
  "questions": {
    "fits_profile": {
      "type": "noul",
      "instructions": "Is the alerted activity consistent with what the institution knows about the customer: the stated occupation or business, the expected activity on file, income, past account history and any explanation the customer has already given and supported?"
    },
    "typology": {
      "type": "choice",
      "instructions": "Which best describes the alerted activity, as the institution's AML analyst would classify it?",
      "criteria": {
        "structuring": "Cash deposits, withdrawals or purchases of money orders or cashier's checks split up or timed to stay under the $10,000 currency transaction report threshold or another reporting or recordkeeping threshold",
        "funnel_account": "Cash or other deposits made into the account by other people, often in different cities or states, and taken out or sent on soon after somewhere else",
        "layering": "Funds moved quickly in and out of the account, or around related accounts and companies, with no clear business purpose, so that their source is hard to trace",
        "trade_based": "Payments described as trade in goods that don't match the goods, prices, counterparties or shipments, for example paying or being paid by a third party that is not the buyer or seller",
        "fraud_proceeds": "Proceeds of fraud or scams moving through the account, for example as a money mule",
        "other_suspicious": "Another suspicious pattern not listed here, such as tax evasion or sanctions evasion",
        "explained": "Not suspicious: the customer's known business, income or circumstances explain the activity"
      }
    },
    "suspicious_likelihood": {
      "type": "score",
      "instructions": "How likely is it that the alerted activity meets the standard for a suspicious activity report: it involves funds from illegal activity, is designed to evade reporting or recordkeeping requirements such as the currency transaction report, or has no business or apparent lawful purpose that the available facts explain?",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "action": {
      "type": "choice",
      "instructions": "What should the alert analyst do with this alert now?",
      "criteria": {
        "close": "Close the alert as not suspicious and record the explanation",
        "request_information": "Ask the customer for the missing explanation or documents, such as the source of the funds, invoices or shipping records, and decide when they reply",
        "escalate": "Escalate to an investigator for a full review (related accounts, other institutions, a site visit) before deciding on a SAR",
        "file_sar": "Recommend filing a SAR now, because the record already supports one, and review whether to keep the customer"
      }
    }
  }
}