{
  "model": "grayson-1",
  "state": {
    "customer": {
      "customer_id": "C-2210457",
      "name": "Corey D. Lindell",
      "type": "Individual",
      "age": 37,
      "customer_since": "2018-03-12",
      "home": "Memphis, TN 38133; renting an apartment, at this address since 2021",
      "occupation_on_file": "Warehouse shift supervisor, Delta Gateway Logistics LLC (since 2016)",
      "stated_annual_income_usd": 56000,
      "expected_activity": {
        "monthly_deposits_usd": 3800,
        "deposit_sources": "Payroll",
        "cash_deposits": "Under $500 a month",
        "wires": "None expected",
        "international": "None",
        "business_activity": "None declared"
      },
      "identity_verification": "In branch 2018-03-12 with a Tennessee driver's license; ID re-presented for the 2026-07-28 CTR",
      "last_kyc_refresh": "2025-12-09 (after the November 2025 alert)",
      "risk_rating": "Medium (raised from Low on 2025-12-09: cash activity above expected)",
      "products": [
        "Personal checking x5182",
        "Savings x5190",
        "Debit card x6617"
      ],
      "businesses_on_file": "None. No business accounts, no DBA, no EIN on file"
    },
    "screening": {
      "sanctions": "No match (daily screening, last run 2026-10-05)",
      "pep": "Not a politically exposed person",
      "adverse_media": "One hit reviewed 2025-12-08: a 2024 news article about a man of the same name in Dayton, OH, aged 58; dismissed as a different person"
    },
    "accounts": [
      {
        "account": "Personal checking x5182",
        "opened": "2018-03-12",
        "owners": "Corey D. Lindell (sole owner)",
        "status": "Open, no restrictions",
        "balance_now_usd": 58518.51
      },
      {
        "account": "Savings x5190",
        "opened": "2018-03-12",
        "balance_now_usd": 40612.18,
        "activity_since_2025_10": "Transfers in from checking of $20,000.00 on 2025-12-02 and $20,000.00 on 2026-09-08; monthly interest; no withdrawals"
      }
    ],
    "monthly_summary": {
      "note": "Checking x5182, by calendar month (Central time)",
      "columns": [
        "month",
        "credits_usd",
        "payroll_usd",
        "cash_deposits_usd",
        "cash_deposit_count",
        "cash_deposits_8000_to_9999_count",
        "debits_usd",
        "card_and_bills_usd",
        "cash_withdrawals_usd",
        "wires_and_official_checks_usd",
        "transfers_to_own_savings_usd",
        "ending_balance_usd"
      ],
      "rows": [
        [
          "2025-10",
          5270.29,
          5210.29,
          0,
          0,
          0,
          3877.87,
          3507.87,
          220,
          0,
          0,
          3232.64
        ],
        [
          "2025-11",
          30970.36,
          3570.36,
          27400,
          4,
          0,
          4473.62,
          4013.62,
          360,
          0,
          0,
          29729.38
        ],
        [
          "2025-12",
          3477.61,
          3477.61,
          0,
          0,
          0,
          23861.74,
          3441.74,
          220,
          0,
          20000,
          9345.25
        ],
        [
          "2026-01",
          3614.83,
          3554.83,
          0,
          0,
          0,
          4525.21,
          3955.21,
          420,
          0,
          0,
          8434.87
        ],
        [
          "2026-02",
          6199.41,
          3481.41,
          400,
          1,
          0,
          4670.17,
          4220.17,
          260,
          0,
          0,
          9964.11
        ],
        [
          "2026-03",
          3473.73,
          3473.73,
          0,
          0,
          0,
          3937.7,
          3557.7,
          220,
          0,
          0,
          9500.14
        ],
        [
          "2026-04",
          3479.88,
          3479.88,
          0,
          0,
          0,
          4657.15,
          4197.15,
          260,
          0,
          0,
          8322.87
        ],
        [
          "2026-05",
          5243.25,
          5183.25,
          0,
          0,
          0,
          4951.18,
          4411.18,
          440,
          0,
          0,
          8614.94
        ],
        [
          "2026-06",
          3564.36,
          3534.36,
          0,
          0,
          0,
          4577.75,
          4217.75,
          260,
          0,
          0,
          7601.55
        ],
        [
          "2026-07",
          46855.72,
          3455.72,
          43400,
          6,
          4,
          4100.48,
          3520.48,
          380,
          0,
          0,
          50356.79
        ],
        [
          "2026-08",
          63484.32,
          3539.32,
          59900,
          8,
          5,
          45884.48,
          3724.48,
          260,
          41800,
          0,
          67956.63
        ],
        [
          "2026-09",
          72141.11,
          3481.11,
          68600,
          9,
          6,
          95906.06,
          3456.06,
          300,
          72000,
          20000,
          44191.68
        ],
        [
          "2026-10 (to 10-05)",
          15660.67,
          1710.67,
          13950,
          2,
          1,
          1333.84,
          1333.84,
          0,
          0,
          0,
          58518.51
        ]
      ]
    },
    "cash_deposits_by_location_since_2026_07_01": {
      "columns": [
        "location",
        "deposits",
        "total_usd",
        "deposits_8000_to_9999"
      ],
      "rows": [
        [
          "Poplar Ave branch, Memphis TN",
          3,
          28000,
          3
        ],
        [
          "ATM #3378 WINCHESTER RD MEMPHIS TN",
          3,
          11000,
          0
        ],
        [
          "Germantown branch, Germantown TN",
          4,
          38350,
          4
        ],
        [
          "Cordova branch, Memphis TN",
          3,
          28100,
          3
        ],
        [
          "ATM #3341 POPLAR AVE MEMPHIS TN",
          3,
          9700,
          0
        ],
        [
          "Bartlett branch, Bartlett TN",
          2,
          18950,
          2
        ],
        [
          "ATM #3402 SOUTHAVEN MS",
          3,
          13100,
          0
        ],
        [
          "Southaven branch, Southaven MS",
          2,
          19550,
          2
        ],
        [
          "Collierville branch, Collierville TN",
          2,
          19100,
          2
        ]
      ],
      "total_usd": 185850
    },
    "currency_transaction_reports": [
      {
        "filed": "2026-08-06",
        "transaction_date": "2026-07-28",
        "amount_usd": 12400,
        "detail": "Aggregated: teller deposit $9,400.00 at the Germantown branch and ATM deposit $3,000.00 at ATM #3341 the same business day. Customer's ID and occupation (warehouse supervisor) were taken by the teller on 2026-07-28. No other CTRs on this customer since 2018."
      }
    ],
    "counterparties": {
      "note": "Everyone the account paid or was paid by through ACH, P2P, wire, official check or transfer since 2026-07-01; 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",
          "Wolfchase Park Apartments",
          "Landlord",
          "Regional bank, TN",
          "2025-10-01",
          0,
          0,
          4,
          5140,
          "Rent since 2021"
        ],
        [
          "C02",
          "Delta Gateway Logistics LLC",
          "Employer (payroll)",
          "Large national bank",
          "2025-10-03",
          7,
          12186.82,
          0,
          0,
          "Payroll since 2018-03; employer on file since 2016"
        ],
        [
          "C03",
          "Linda Lindell",
          "Individual",
          "Credit union, TN",
          "2018-05-02",
          0,
          0,
          3,
          450,
          "Customer's mother (per 2018 account opening notes)"
        ],
        [
          "C04",
          "Marcus Bell",
          "Individual",
          "Large national bank",
          "2020-08-14",
          2,
          105,
          0,
          0,
          null
        ],
        [
          "C05",
          "Southland Truck Center",
          "Vehicle dealer",
          "Olive Branch, MS",
          "2026-08-21",
          0,
          0,
          1,
          41800,
          "Payee of cashier's check 4471902"
        ],
        [
          "C06",
          "Savings x5190",
          "Own account with us",
          "Our bank",
          "2018-03-12",
          0,
          0,
          1,
          20000,
          "Customer's own savings account"
        ],
        [
          "C07",
          "Bluff City Title & Escrow LLC",
          "Title and escrow company",
          "Regional bank, TN",
          "2026-09-30",
          0,
          0,
          1,
          72000,
          "Wire beneficiary, escrow account x0617"
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item on checking x5182 from 2026-07-01 to the alert; amounts signed (debits negative); balance is the ledger balance after the item",
      "columns": [
        "ts",
        "type",
        "amount_usd",
        "balance_usd",
        "description",
        "counterparty",
        "detail"
      ],
      "rows": [
        [
          "2026-07-01T11:00:00Z",
          "ach_debit",
          -1285,
          6316.55,
          "WOLFCHASE PARK APTS WEB PMT",
          "C01",
          "SEC WEB"
        ],
        [
          "2026-07-02T00:51:52Z",
          "atm_withdrawal",
          -200,
          6116.55,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-07-02T01:00:06Z",
          "card_purchase",
          -77.66,
          6038.89,
          "AMAZON MKTPL*TE2Z4A9UJ Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-07-03T10:40:49Z",
          "card_purchase",
          -11.99,
          6026.9,
          "SPOTIFY USA",
          null,
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-07-03T18:56:38Z",
          "card_purchase",
          -60.39,
          5966.51,
          "MAPCO #3361 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-07-06T02:04:30Z",
          "card_purchase",
          -12.83,
          5953.68,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-07T02:16:12Z",
          "card_purchase",
          -24.6,
          5929.08,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-07T10:02:05Z",
          "card_purchase",
          -15.49,
          5913.59,
          "NETFLIX.COM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-07-07T22:36:11Z",
          "card_purchase",
          -33.8,
          5879.79,
          "THE HOME DEPOT #0723 MEMPHIS TN",
          null,
          "mcc 5200, chip"
        ],
        [
          "2026-07-08T02:07:55Z",
          "card_purchase",
          -46.1,
          5833.69,
          "BUFFALO WILD WINGS #0315 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-07-08T18:54:56Z",
          "card_purchase",
          -54.01,
          5779.68,
          "EXXON MOBIL 97412233 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-07-08T22:36:26Z",
          "atm_withdrawal",
          -40,
          5739.68,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-07-08T23:10:39Z",
          "card_purchase",
          -52.38,
          5687.3,
          "AMAZON MKTPL*HZYE51RPR Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-07-09T09:10:27Z",
          "card_purchase",
          -95,
          5592.3,
          "T-MOBILE AUTO PAY",
          null,
          "mcc 4814, card on file, recurring"
        ],
        [
          "2026-07-10T01:15:02Z",
          "card_purchase",
          -9.61,
          5582.69,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-10T10:00:00Z",
          "ach_credit",
          1709.29,
          7291.98,
          "DELTA GATEWAY LOG PAYROLL",
          "C02",
          "SEC PPD"
        ],
        [
          "2026-07-10T21:22:37Z",
          "card_purchase",
          -65.7,
          7226.28,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-07-10T22:02:38Z",
          "card_purchase",
          -8.38,
          7217.9,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-11T03:28:58Z",
          "card_purchase",
          -8.55,
          7209.35,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-11T20:32:07Z",
          "card_purchase",
          -45.9,
          7163.45,
          "BUFFALO WILD WINGS #0315 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-07-12T11:58:42Z",
          "card_purchase",
          -44.93,
          7118.52,
          "MAPCO #3361 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-07-13T11:00:00Z",
          "ach_debit",
          -229.54,
          6888.98,
          "MLGW UTILITY PMT",
          null,
          "SEC WEB"
        ],
        [
          "2026-07-13T20:10:17Z",
          "card_purchase",
          -11.84,
          6877.14,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-14T16:50:48Z",
          "card_purchase",
          -40.31,
          6836.83,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-14T17:13:07Z",
          "cash_deposit",
          9200,
          16036.83,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Poplar Ave branch, Memphis TN"
        ],
        [
          "2026-07-15T11:00:00Z",
          "ach_debit",
          -486.22,
          15550.61,
          "CAPITAL ONE AUTO PMT",
          null,
          "SEC PPD"
        ],
        [
          "2026-07-16T23:10:17Z",
          "atm_deposit",
          3400,
          18950.61,
          "ATM CASH DEPOSIT #3378 WINCHESTER RD MEMPHIS TN",
          null,
          "our ATM; 68 notes counted"
        ],
        [
          "2026-07-17T02:59:09Z",
          "card_purchase",
          -69.87,
          18880.74,
          "ALDI 79034 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-07-17T10:20:00Z",
          "card_purchase",
          -24.99,
          18855.75,
          "PLANET FITNESS CLUB FEES",
          null,
          "mcc 7997, card on file, recurring"
        ],
        [
          "2026-07-17T17:51:07Z",
          "card_purchase",
          -23.37,
          18832.38,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-17T20:57:07Z",
          "card_purchase",
          -23.21,
          18809.17,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-17T23:09:24Z",
          "atm_withdrawal",
          -100,
          18709.17,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-07-18T01:23:59Z",
          "card_purchase",
          -13.4,
          18695.77,
          "WAFFLE HOUSE #1188 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-07-19T00:24:17Z",
          "p2p_out",
          -200,
          18495.77,
          "P2P TO LINDA LINDELL",
          "C03",
          "memo \"love you\""
        ],
        [
          "2026-07-20T00:32:07Z",
          "card_purchase",
          -24.27,
          18471.5,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-20T01:34:44Z",
          "card_purchase",
          -55.28,
          18416.22,
          "AMAZON MKTPL*BBKANYOIZ Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-07-20T09:30:55Z",
          "card_purchase",
          -79.99,
          18336.23,
          "COMCAST XFINITY",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-07-20T23:45:01Z",
          "card_purchase",
          -23.73,
          18312.5,
          "WENDYS #2201 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-21T17:27:07Z",
          "cash_deposit",
          9500,
          27812.5,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Germantown branch, Germantown TN"
        ],
        [
          "2026-07-22T16:50:01Z",
          "card_purchase",
          -13.14,
          27799.36,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-24T10:00:00Z",
          "ach_credit",
          1746.43,
          29545.79,
          "DELTA GATEWAY LOG PAYROLL",
          "C02",
          "SEC PPD"
        ],
        [
          "2026-07-24T11:00:00Z",
          "ach_debit",
          -162.4,
          29383.39,
          "PROGRESSIVE INS PREM",
          null,
          "SEC PPD"
        ],
        [
          "2026-07-24T17:06:28Z",
          "cash_deposit",
          8900,
          38283.39,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Cordova branch, Memphis TN"
        ],
        [
          "2026-07-25T21:19:26Z",
          "card_purchase",
          -130.41,
          38152.98,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-07-26T13:25:33Z",
          "card_purchase",
          -51.8,
          38101.18,
          "EXXON MOBIL 97412233 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-07-28T01:07:14Z",
          "atm_withdrawal",
          -40,
          38061.18,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-07-28T17:17:23Z",
          "cash_deposit",
          9400,
          47461.18,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Germantown branch, Germantown TN"
        ],
        [
          "2026-07-28T23:53:00Z",
          "atm_deposit",
          3000,
          50461.18,
          "ATM CASH DEPOSIT #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM; 60 notes counted"
        ],
        [
          "2026-07-30T01:27:35Z",
          "card_purchase",
          -18.2,
          50442.98,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-07-31T22:13:07Z",
          "card_purchase",
          -62.85,
          50380.13,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-07-31T22:56:54Z",
          "card_purchase",
          -23.34,
          50356.79,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-01T21:07:17Z",
          "card_purchase",
          -133.88,
          50222.91,
          "THE HOME DEPOT #0723 MEMPHIS TN",
          null,
          "mcc 5200, chip"
        ],
        [
          "2026-08-01T21:59:52Z",
          "card_purchase",
          -55.55,
          50167.36,
          "WALMART SUPERCENTER #5170 MEMPHIS TN",
          null,
          "mcc 5411, chip"
        ],
        [
          "2026-08-02T02:16:26Z",
          "card_purchase",
          -33.88,
          50133.48,
          "AMAZON MKTPL*48TLBTHBD Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-02T17:18:55Z",
          "card_purchase",
          -16.35,
          50117.13,
          "BUFFALO WILD WINGS #0315 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-08-03T10:40:02Z",
          "card_purchase",
          -11.99,
          50105.14,
          "SPOTIFY USA",
          null,
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-08-03T11:00:00Z",
          "ach_debit",
          -1285,
          48820.14,
          "WOLFCHASE PARK APTS WEB PMT",
          "C01",
          "SEC WEB"
        ],
        [
          "2026-08-04T17:04:35Z",
          "cash_deposit",
          9700,
          58520.14,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Bartlett branch, Bartlett TN"
        ],
        [
          "2026-08-04T18:01:29Z",
          "card_purchase",
          -45.05,
          58475.09,
          "EXXON MOBIL 97412233 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-08-05T16:43:53Z",
          "card_purchase",
          -17.72,
          58457.37,
          "WENDYS #2201 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-06T00:10:46Z",
          "atm_withdrawal",
          -100,
          58357.37,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-08-06T22:17:35Z",
          "atm_deposit",
          4200,
          62557.37,
          "ATM CASH DEPOSIT #3402 SOUTHAVEN MS",
          null,
          "our ATM; 84 notes counted"
        ],
        [
          "2026-08-07T10:00:00Z",
          "ach_credit",
          1755.1,
          64312.47,
          "DELTA GATEWAY LOG PAYROLL",
          "C02",
          "SEC PPD"
        ],
        [
          "2026-08-07T10:02:06Z",
          "card_purchase",
          -15.49,
          64296.98,
          "NETFLIX.COM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-08-08T00:21:52Z",
          "card_purchase",
          -55.94,
          64241.04,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-08T02:20:21Z",
          "atm_withdrawal",
          -80,
          64161.04,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-08-08T21:40:38Z",
          "card_purchase",
          -66.6,
          64094.44,
          "WALMART SUPERCENTER #5170 MEMPHIS TN",
          null,
          "mcc 5411, chip"
        ],
        [
          "2026-08-08T22:02:09Z",
          "card_purchase",
          -59.25,
          64035.19,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-09T00:58:07Z",
          "p2p_out",
          -100,
          63935.19,
          "P2P TO LINDA LINDELL",
          "C03",
          "memo \"light bill\""
        ],
        [
          "2026-08-09T09:10:40Z",
          "card_purchase",
          -95,
          63840.19,
          "T-MOBILE AUTO PAY",
          null,
          "mcc 4814, card on file, recurring"
        ],
        [
          "2026-08-09T17:41:14Z",
          "card_purchase",
          -29.18,
          63811.01,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-09T19:05:44Z",
          "card_purchase",
          -45.66,
          63765.35,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-11T01:12:52Z",
          "card_purchase",
          -26.69,
          63738.66,
          "AMAZON MKTPL*W6IFNIEN8 Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-11T11:00:00Z",
          "ach_debit",
          -168.14,
          63570.52,
          "MLGW UTILITY PMT",
          null,
          "SEC WEB"
        ],
        [
          "2026-08-11T16:50:41Z",
          "card_purchase",
          -53.85,
          63516.67,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-11T17:27:52Z",
          "cash_deposit",
          9850,
          73366.67,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Southaven branch, Southaven MS"
        ],
        [
          "2026-08-11T22:52:58Z",
          "card_purchase",
          -75.88,
          73290.79,
          "WALMART SUPERCENTER #5170 MEMPHIS TN",
          null,
          "mcc 5411, chip"
        ],
        [
          "2026-08-13T00:38:34Z",
          "card_purchase",
          -40.22,
          73250.57,
          "DOORDASH*ORDER SAN FRANCISCO CA",
          null,
          "mcc 5814, card not present"
        ],
        [
          "2026-08-13T17:37:35Z",
          "cash_deposit",
          9300,
          82550.57,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Collierville branch, Collierville TN"
        ],
        [
          "2026-08-13T19:22:09Z",
          "card_purchase",
          -19.13,
          82531.44,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-14T11:08:43Z",
          "card_purchase",
          -60.7,
          82470.74,
          "MAPCO #3361 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-08-14T22:51:18Z",
          "card_purchase",
          -12.14,
          82458.6,
          "WAFFLE HOUSE #1188 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-08-15T17:34:08Z",
          "card_purchase",
          -33.74,
          82424.86,
          "WAFFLE HOUSE #1188 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-08-15T23:27:53Z",
          "card_purchase",
          -33.12,
          82391.74,
          "DOLLAR GENERAL #16021 MEMPHIS TN",
          null,
          "mcc 5331, chip"
        ],
        [
          "2026-08-17T01:10:39Z",
          "card_purchase",
          -47.91,
          82343.83,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-17T10:20:26Z",
          "card_purchase",
          -24.99,
          82318.84,
          "PLANET FITNESS CLUB FEES",
          null,
          "mcc 7997, card on file, recurring"
        ],
        [
          "2026-08-17T11:00:00Z",
          "ach_debit",
          -486.22,
          81832.62,
          "CAPITAL ONE AUTO PMT",
          null,
          "SEC PPD"
        ],
        [
          "2026-08-18T16:44:49Z",
          "card_purchase",
          -11.13,
          81821.49,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-19T00:06:36Z",
          "atm_deposit",
          4000,
          85821.49,
          "ATM CASH DEPOSIT #3378 WINCHESTER RD MEMPHIS TN",
          null,
          "our ATM; 80 notes counted"
        ],
        [
          "2026-08-19T02:34:33Z",
          "p2p_in",
          45,
          85866.49,
          "P2P FROM MARCUS BELL",
          "C04",
          "memo \"wings\""
        ],
        [
          "2026-08-19T03:48:16Z",
          "card_purchase",
          -17.9,
          85848.59,
          "AMAZON MKTPL*MFUBVAEI8 Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-19T22:23:08Z",
          "card_purchase",
          -24.53,
          85824.06,
          "WALMART SUPERCENTER #5170 MEMPHIS TN",
          null,
          "mcc 5411, chip"
        ],
        [
          "2026-08-20T09:30:44Z",
          "card_purchase",
          -79.99,
          85744.07,
          "COMCAST XFINITY",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-08-20T17:42:46Z",
          "cash_deposit",
          9600,
          95344.07,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Cordova branch, Memphis TN"
        ],
        [
          "2026-08-21T01:23:42Z",
          "card_purchase",
          -22.88,
          95321.19,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-21T10:00:00Z",
          "ach_credit",
          1784.22,
          97105.41,
          "DELTA GATEWAY LOG PAYROLL",
          "C02",
          "SEC PPD"
        ],
        [
          "2026-08-21T17:26:17Z",
          "fee",
          -10,
          97095.41,
          "CASHIER'S CHECK FEE",
          null,
          null
        ],
        [
          "2026-08-21T17:26:30Z",
          "official_check",
          -41800,
          55295.41,
          "CASHIER'S CHECK 4471902",
          "C05",
          "purchased at teller, Southaven branch; payee Southland Truck Center; remitter Corey D. Lindell"
        ],
        [
          "2026-08-21T22:01:51Z",
          "atm_withdrawal",
          -80,
          55215.41,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-08-22T02:50:21Z",
          "card_purchase",
          -34.15,
          55181.26,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-22T17:33:19Z",
          "card_purchase",
          -15.4,
          55165.86,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-24T11:00:00Z",
          "ach_debit",
          -162.4,
          55003.46,
          "PROGRESSIVE INS PREM",
          null,
          "SEC PPD"
        ],
        [
          "2026-08-26T17:43:51Z",
          "cash_deposit",
          9450,
          64453.46,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Poplar Ave branch, Memphis TN"
        ],
        [
          "2026-08-27T02:29:51Z",
          "card_purchase",
          -13.7,
          64439.76,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-27T22:51:47Z",
          "card_purchase",
          -118.7,
          64321.06,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-29T21:00:39Z",
          "card_purchase",
          -47.47,
          64273.59,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-29T21:14:17Z",
          "card_purchase",
          -46.59,
          64227,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-29T23:10:56Z",
          "atm_deposit",
          3800,
          68027,
          "ATM CASH DEPOSIT #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM; 76 notes counted"
        ],
        [
          "2026-08-30T16:10:03Z",
          "card_purchase",
          -18.79,
          68008.21,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-30T23:54:12Z",
          "card_purchase",
          -51.58,
          67956.63,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-01T11:00:00Z",
          "ach_debit",
          -1285,
          66671.63,
          "WOLFCHASE PARK APTS WEB PMT",
          "C01",
          "SEC WEB"
        ],
        [
          "2026-09-02T01:38:00Z",
          "card_purchase",
          -17.47,
          66654.16,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-02T17:16:33Z",
          "cash_deposit",
          9900,
          76554.16,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Germantown branch, Germantown TN"
        ],
        [
          "2026-09-02T22:52:26Z",
          "atm_withdrawal",
          -200,
          76354.16,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-09-03T10:40:22Z",
          "card_purchase",
          -11.99,
          76342.17,
          "SPOTIFY USA",
          null,
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-09-04T00:57:24Z",
          "card_purchase",
          -42.49,
          76299.68,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-04T01:22:26Z",
          "card_purchase",
          -28.98,
          76270.7,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-04T10:00:00Z",
          "ach_credit",
          1741.71,
          78012.41,
          "DELTA GATEWAY LOG PAYROLL",
          "C02",
          "SEC PPD"
        ],
        [
          "2026-09-04T17:33:20Z",
          "cash_deposit",
          9250,
          87262.41,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Bartlett branch, Bartlett TN"
        ],
        [
          "2026-09-04T23:33:52Z",
          "card_purchase",
          -47.2,
          87215.21,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-05T21:54:19Z",
          "card_purchase",
          -89.4,
          87125.81,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-05T23:52:55Z",
          "card_purchase",
          -48.36,
          87077.45,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-06T00:18:36Z",
          "card_purchase",
          -48.1,
          87029.35,
          "AMAZON MKTPL*ERVNN6T27 Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-09-07T00:06:20Z",
          "p2p_out",
          -150,
          86879.35,
          "P2P TO LINDA LINDELL",
          "C03",
          "memo \"light bill\""
        ],
        [
          "2026-09-07T10:02:38Z",
          "card_purchase",
          -15.49,
          86863.86,
          "NETFLIX.COM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-09-07T22:37:43Z",
          "card_purchase",
          -10.12,
          86853.74,
          "BUFFALO WILD WINGS #0315 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-09-09T01:02:38Z",
          "transfer_out",
          -20000,
          66853.74,
          "ONLINE TRANSFER TO SAVINGS x5190",
          "C06",
          "online banking"
        ],
        [
          "2026-09-09T01:35:59Z",
          "card_purchase",
          -67.85,
          66785.89,
          "AMAZON MKTPL*Z9UVH1ZCT Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-09-09T09:10:28Z",
          "card_purchase",
          -95,
          66690.89,
          "T-MOBILE AUTO PAY",
          null,
          "mcc 4814, card on file, recurring"
        ],
        [
          "2026-09-09T22:58:57Z",
          "atm_deposit",
          4500,
          71190.89,
          "ATM CASH DEPOSIT #3402 SOUTHAVEN MS",
          null,
          "our ATM; 90 notes counted"
        ],
        [
          "2026-09-10T23:35:50Z",
          "card_purchase",
          -37.87,
          71153.02,
          "AMAZON MKTPL*DOIKE2HSD Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-09-11T11:00:00Z",
          "ach_debit",
          -126.07,
          71026.95,
          "MLGW UTILITY PMT",
          null,
          "SEC WEB"
        ],
        [
          "2026-09-11T17:14:03Z",
          "cash_deposit",
          9700,
          80726.95,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Southaven branch, Southaven MS"
        ],
        [
          "2026-09-11T21:30:53Z",
          "card_purchase",
          -46.22,
          80680.73,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-11T22:58:36Z",
          "card_purchase",
          -82.71,
          80598.02,
          "KROGER #0428 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-13T00:00:08Z",
          "card_purchase",
          -32.86,
          80565.16,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-13T02:55:56Z",
          "p2p_in",
          60,
          80625.16,
          "P2P FROM MARCUS BELL",
          "C04",
          "memo \"gas\""
        ],
        [
          "2026-09-14T17:47:04Z",
          "cash_deposit",
          9600,
          90225.16,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Cordova branch, Memphis TN"
        ],
        [
          "2026-09-15T00:31:11Z",
          "card_purchase",
          -57.94,
          90167.22,
          "MAPCO #3361 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-15T01:27:03Z",
          "card_purchase",
          -10.57,
          90156.65,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-15T11:00:00Z",
          "ach_debit",
          -486.22,
          89670.43,
          "CAPITAL ONE AUTO PMT",
          null,
          "SEC PPD"
        ],
        [
          "2026-09-15T17:16:30Z",
          "card_purchase",
          -8.96,
          89661.47,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-16T02:45:43Z",
          "atm_withdrawal",
          -100,
          89561.47,
          "ATM WITHDRAWAL #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM"
        ],
        [
          "2026-09-17T10:20:17Z",
          "card_purchase",
          -24.99,
          89536.48,
          "PLANET FITNESS CLUB FEES",
          null,
          "mcc 7997, card on file, recurring"
        ],
        [
          "2026-09-18T00:59:14Z",
          "atm_deposit",
          3600,
          93136.48,
          "ATM CASH DEPOSIT #3378 WINCHESTER RD MEMPHIS TN",
          null,
          "our ATM; 72 notes counted"
        ],
        [
          "2026-09-18T10:00:00Z",
          "ach_credit",
          1739.4,
          94875.88,
          "DELTA GATEWAY LOG PAYROLL",
          "C02",
          "SEC PPD"
        ],
        [
          "2026-09-19T16:18:36Z",
          "card_purchase",
          -21.04,
          94854.84,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-19T22:03:49Z",
          "card_purchase",
          -14.72,
          94840.12,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-20T09:30:30Z",
          "card_purchase",
          -79.99,
          94760.13,
          "COMCAST XFINITY",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-09-21T17:12:00Z",
          "cash_deposit",
          9800,
          104560.13,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Collierville branch, Collierville TN"
        ],
        [
          "2026-09-24T11:00:00Z",
          "ach_debit",
          -238.75,
          104321.38,
          "PROGRESSIVE INS PREM",
          null,
          "SEC PPD"
        ],
        [
          "2026-09-24T17:41:27Z",
          "cash_deposit",
          9350,
          113671.38,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Poplar Ave branch, Memphis TN"
        ],
        [
          "2026-09-24T23:24:56Z",
          "card_purchase",
          -14.46,
          113656.92,
          "WAFFLE HOUSE #1188 MEMPHIS TN",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-09-25T00:43:39Z",
          "card_purchase",
          -50.07,
          113606.85,
          "ALDI 79034 MEMPHIS TN",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-26T20:11:59Z",
          "card_purchase",
          -11.12,
          113595.73,
          "POPEYES #4412 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-26T20:39:40Z",
          "card_purchase",
          -94.66,
          113501.07,
          "ACADEMY SPORTS #0129 MEMPHIS TN",
          null,
          "mcc 5941, chip"
        ],
        [
          "2026-09-26T22:41:09Z",
          "atm_deposit",
          2900,
          116401.07,
          "ATM CASH DEPOSIT #3341 POPLAR AVE MEMPHIS TN",
          null,
          "our ATM; 58 notes counted"
        ],
        [
          "2026-09-27T22:15:27Z",
          "card_purchase",
          -54.65,
          116346.42,
          "MAPCO #3361 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-28T15:58:06Z",
          "card_purchase",
          -60.81,
          116285.61,
          "MAPCO #3361 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-28T22:38:54Z",
          "card_purchase",
          -47.36,
          116238.25,
          "DOORDASH*ORDER SAN FRANCISCO CA",
          null,
          "mcc 5814, card not present"
        ],
        [
          "2026-09-30T17:41:27Z",
          "fee",
          -30,
          116208.25,
          "OUTGOING WIRE FEE",
          null,
          null
        ],
        [
          "2026-09-30T17:41:48Z",
          "wire_out",
          -72000,
          44208.25,
          "OUTGOING WIRE FEDWIRE",
          "C07",
          "branch-initiated, Poplar Ave branch; beneficiary Bluff City Title & Escrow LLC, escrow account x0617, Memphis TN; OBI \"FILE 26-0918 BUYER COREY LINDELL CASH TO CLOSE\""
        ],
        [
          "2026-09-30T23:13:33Z",
          "card_purchase",
          -16.57,
          44191.68,
          "CHICK-FIL-A #01377 MEMPHIS TN",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-10-01T11:00:00Z",
          "ach_debit",
          -1285,
          42906.68,
          "WOLFCHASE PARK APTS WEB PMT",
          "C01",
          "SEC WEB"
        ],
        [
          "2026-10-01T17:16:43Z",
          "cash_deposit",
          9550,
          52456.68,
          "BRANCH DEPOSIT CASH",
          null,
          "teller, Germantown branch, Germantown TN"
        ],
        [
          "2026-10-02T10:00:00Z",
          "ach_credit",
          1710.67,
          54167.35,
          "DELTA GATEWAY LOG PAYROLL",
          "C02",
          "SEC PPD"
        ],
        [
          "2026-10-03T10:40:27Z",
          "card_purchase",
          -11.99,
          54155.36,
          "SPOTIFY USA",
          null,
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-10-03T23:15:51Z",
          "atm_deposit",
          4400,
          58555.36,
          "ATM CASH DEPOSIT #3402 SOUTHAVEN MS",
          null,
          "our ATM; 88 notes counted"
        ],
        [
          "2026-10-04T13:59:43Z",
          "card_purchase",
          -36.85,
          58518.51,
          "MAPCO #3361 MEMPHIS TN",
          null,
          "mcc 5542, chip"
        ]
      ]
    },
    "prior_alerts": [
      {
        "alert_id": "AML-CSH-2025-112104",
        "created": "2025-11-21",
        "scenario": "Cash deposits above expected activity",
        "activity": "Four teller cash deposits from 2025-11-03 to 2025-11-18 totaling $27,400.00 ($5,900 to $7,500 each) at four branches",
        "outcome": "Closed 2025-12-09, no SAR. Customer answered a request for information (below) with a bill of sale for a boat and trailer for $18,500. Analyst note: 'Bill of sale covers most of the cash; remainder plausibly cash on hand. Risk rating raised to Medium.'"
      },
      {
        "alert_id": "AML-CSH-2026-081207",
        "created": "2026-08-12",
        "scenario": "Cash deposits above expected activity",
        "activity": "9 cash deposits from 2026-07-14 to 2026-08-11 totaling $67,150.00, 6 of them at a teller",
        "outcome": "Closed 2026-08-19, no SAR, no customer contact. Analyst note: 'Customer told the teller on 2026-07-28 that the cash is from selling vehicles. Consistent with private vehicle sales. Monitor.'"
      }
    ],
    "customer_contact": [
      {
        "ts": "2025-11-28T22:14:00Z",
        "channel": "Secure message from customer (reply to request for information)",
        "text": "The cash was from selling my bass boat and trailer to a guy from Tunica, bill of sale is attached. The rest was money I had at the house."
      },
      {
        "ts": "2026-07-28T17:20:00Z",
        "channel": "Teller note (Germantown branch), CTR interview",
        "note": "Customer deposited $9,400.00 in cash. Asked about the source for the CTR (the same-day ATM deposit put him over $10,000): said 'selling some cars'. Gave his driver's license and occupation."
      },
      {
        "ts": "2026-08-21T17:31:00Z",
        "channel": "Teller note (Southaven branch)",
        "note": "Cashier's check for $41,800.00 to Southland Truck Center. Customer said he is buying a 2024 pickup."
      },
      {
        "ts": "2026-09-14T17:52:00Z",
        "channel": "Teller note and unusual activity referral (Cordova branch)",
        "note": "Customer brought $12,300 in cash, mostly $20s in bank straps, and asked how much he could deposit 'without the paperwork'. I explained that cash over $10,000 in a business day needs a currency transaction report. He took back $2,700, deposited $9,600.00 and said he would bring the rest another day. Asked where the cash is from, he said he flips cars on the side. Referred to BSA."
      },
      {
        "ts": "2026-09-30T17:35:00Z",
        "channel": "Wire desk note (Poplar Ave branch)",
        "note": "Wire of $72,000.00 to Bluff City Title & Escrow for a house closing on 2026-10-02. Customer said he is buying the house with cash, no mortgage. Asked about the source of the funds: 'savings, and I sell cars on the side'. Wire sent after callback verification."
      }
    ],
    "case_notes": [
      {
        "ts": "2026-10-05T14:10:00Z",
        "note": "Alert assigned. Checked the Tennessee and Mississippi business registries: no business, DBA or dealer license in the customer's name. No credits in 12 months from vehicle buyers, auctions or title services, and no debits for buying vehicles other than the 2026-08-21 cashier's check. Payroll unchanged. The 2026-09-14 referral says he returned with the remaining cash: the next teller deposit was $9,800.00 at Collierville on 2026-09-21."
      }
    ],
    "alert": {
      "alert_id": "AML-CSH-2026-100502",
      "created": "2026-10-05T11:40:00Z",
      "scenario": "Possible structuring / cash above expected activity",
      "status": "New",
      "rules_fired": [
        "CSH-03 three or more cash deposits between $8,000.00 and $9,999.99 in 30 days (5)",
        "CSH-05 cash deposits at three or more locations in 30 days (8)",
        "CSH-08 cash deposited in 30 days at least 10x expected monthly cash ($63,400.00 against $500)",
        "UAR-01 unusual activity referral from branch staff (2026-09-14, Cordova branch)",
        "WIR-01 first outgoing wire on the relationship ($72,000.00 on 2026-09-30)"
      ],
      "triggering_transactions": [
        [
          "2026-09-09T22:58:57Z",
          "atm_deposit",
          4500,
          "ATM CASH DEPOSIT #3402 SOUTHAVEN MS"
        ],
        [
          "2026-09-11T17:14:03Z",
          "cash_deposit",
          9700,
          "Southaven branch, Southaven MS"
        ],
        [
          "2026-09-14T17:47:04Z",
          "cash_deposit",
          9600,
          "Cordova branch, Memphis TN"
        ],
        [
          "2026-09-18T00:59:14Z",
          "atm_deposit",
          3600,
          "ATM CASH DEPOSIT #3378 WINCHESTER RD MEMPHIS TN"
        ],
        [
          "2026-09-21T17:12:00Z",
          "cash_deposit",
          9800,
          "Collierville branch, Collierville TN"
        ],
        [
          "2026-09-24T17:41:27Z",
          "cash_deposit",
          9350,
          "Poplar Ave branch, Memphis TN"
        ],
        [
          "2026-09-26T22:41:09Z",
          "atm_deposit",
          2900,
          "ATM CASH DEPOSIT #3341 POPLAR AVE MEMPHIS TN"
        ],
        [
          "2026-10-01T17:16:43Z",
          "cash_deposit",
          9550,
          "Germantown branch, Germantown TN"
        ],
        [
          "2026-10-03T23:15:51Z",
          "atm_deposit",
          4400,
          "ATM CASH DEPOSIT #3402 SOUTHAVEN MS"
        ]
      ],
      "monitoring_model_score": 0.96,
      "last_30_days": {
        "window": "2026-09-05T11:40:00Z to 2026-10-05T11:40:00Z",
        "cash_deposits_usd": 63400,
        "cash_deposit_count": 9,
        "cash_deposits_8000_to_9999_count": 5,
        "cash_deposit_locations": 8,
        "largest_cash_deposit_day_usd": 9800,
        "expected_monthly_cash_usd": 500,
        "payroll_credits_usd": 3450.07,
        "wires_and_official_checks_out_usd": 72000,
        "balance_at_end_usd": 58518.51
      }
    }
  },
  "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"
      }
    }
  }
}