{
  "model": "grayson-1",
  "state": {
    "customer": {
      "customer_id": "B-0091376",
      "name": "Harwick & Sons Construction, Inc.",
      "type": "California corporation (S corporation), incorporated 2004",
      "customer_since": "2016-04-18",
      "business": "General contractor: commercial tenant improvements, public school modernization, mid-rise mixed-use and residential remodels in the Sacramento area",
      "naics": "236220 Commercial and Institutional Building Construction",
      "contractor_license": "California CSLB Class B general building license, active, verified 2026-08-19",
      "address": "Office and equipment yard, Sacramento, CA 95828 (leased since 2012)",
      "annual_revenue_usd": 11400000,
      "revenue_source": "2025 federal tax return, provided at the 2026-08-19 annual review",
      "employees": "24 to 31 (seasonal), paid weekly through a payroll provider",
      "beneficial_owners": [
        {
          "name": "Dale R. Harwick",
          "role": "President",
          "ownership_pct": 60,
          "customer_of_ours_since": "2016-04-18"
        },
        {
          "name": "Kristen L. Harwick",
          "role": "Secretary and CFO",
          "ownership_pct": 40,
          "customer_of_ours_since": "2016-04-18"
        }
      ],
      "expected_activity": {
        "monthly_credits_usd": "500,000 to 1,800,000, peaking in summer and fall with school work",
        "credit_sources": "Construction loan draws by wire from title and escrow companies, progress payments by wire and ACH from building owners and public agencies, remodel payments by ACH and check",
        "debits": "ACH and wires to subcontractors and suppliers, payroll provider, equipment loans, insurance, owner distributions",
        "cash": "None",
        "international": "None"
      },
      "risk_rating": "Medium (industry and wire volume); reviewed annually, last 2026-08-19",
      "products": [
        "Business checking x3307 (operating)",
        "Money market x3323",
        "Equipment line of credit",
        "Commercial cards"
      ]
    },
    "screening": {
      "sanctions": "No match on the company, owners or any counterparty (last run 2026-10-06)",
      "pep": "No politically exposed persons among the owners",
      "adverse_media": "One hit reviewed 2026-08-19: a 2023 local news report that state workplace safety regulators fined the company $18,400 over fall protection at a job site; no financial crime"
    },
    "accounts": [
      {
        "account": "Business checking x3307 (operating)",
        "opened": "2016-04-18",
        "signers": "Dale R. Harwick, Kristen L. Harwick; wires need both approvals online",
        "status": "Open, no restrictions",
        "balance_now_usd": 610474.51
      },
      {
        "account": "Money market x3323",
        "opened": "2019-02-07",
        "balance_now_usd": 1250418.77,
        "activity_since_2025_10": "Interest only"
      }
    ],
    "monthly_summary": {
      "note": "Operating account x3307, by calendar month (Pacific time)",
      "columns": [
        "month",
        "credits_usd",
        "wires_in_usd",
        "ach_in_usd",
        "checks_deposited_usd",
        "debits_usd",
        "subcontractors_and_suppliers_usd",
        "payroll_and_payroll_taxes_usd",
        "overhead_usd",
        "to_owners_usd",
        "ending_balance_usd"
      ],
      "rows": [
        [
          "2025-10",
          444428.62,
          0,
          444428.62,
          0,
          676155.92,
          303308.47,
          283424.68,
          89422.77,
          0,
          1102488.1
        ],
        [
          "2025-11",
          291243.99,
          212418.6,
          20278.72,
          58546.67,
          417468.23,
          145291.68,
          174766.58,
          97409.97,
          0,
          976263.86
        ],
        [
          "2025-12",
          547826.37,
          286904.15,
          206582.36,
          54339.86,
          686571.3,
          372320.3,
          179008.03,
          90242.97,
          45000,
          837518.93
        ],
        [
          "2026-01",
          381351.34,
          244170,
          18232.64,
          118948.7,
          603310.57,
          221897.7,
          221962.29,
          99450.58,
          60000,
          615559.7
        ],
        [
          "2026-02",
          294060.79,
          231655.42,
          62405.37,
          0,
          317303.53,
          29952.12,
          190356.98,
          96994.43,
          0,
          592316.96
        ],
        [
          "2026-03",
          517235.54,
          482240.88,
          34994.66,
          0,
          568847.57,
          301427.09,
          179009.02,
          88411.46,
          0,
          540704.93
        ],
        [
          "2026-04",
          713817.69,
          641292.6,
          63209.17,
          9315.92,
          1037614.19,
          635028.52,
          234468,
          108117.67,
          60000,
          216908.43
        ],
        [
          "2026-05",
          894020.79,
          757259.41,
          82389.99,
          54371.39,
          681875.62,
          377857.09,
          226858.33,
          77160.2,
          0,
          429053.6
        ],
        [
          "2026-06",
          963990.35,
          785263.4,
          93403.3,
          85323.65,
          1003062.9,
          623188.65,
          227950.7,
          91923.55,
          60000,
          389981.05
        ],
        [
          "2026-07",
          1341868.77,
          834308.45,
          418605.3,
          88955.02,
          1458061.74,
          1070983.53,
          283486.72,
          103591.49,
          0,
          273788.08
        ],
        [
          "2026-08",
          1584057.06,
          825023.17,
          759033.89,
          0,
          1219427.13,
          915964.33,
          221659.47,
          81803.33,
          0,
          638418.01
        ],
        [
          "2026-09",
          1850636.56,
          854122.1,
          925923.31,
          70591.15,
          1747092.04,
          1378513.21,
          223425.25,
          85153.58,
          60000,
          741962.53
        ],
        [
          "2026-10 (to 10-06)",
          0,
          0,
          0,
          0,
          131488.02,
          48706.44,
          56418.86,
          26362.72,
          0,
          610474.51
        ]
      ]
    },
    "counterparties": {
      "note": "Everyone the account paid or was paid by through ACH, wire, check or transfer since 2026-07-01 (payroll, card 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",
          "Granite Bay Concrete Inc",
          "Subcontractor (concrete)",
          "Regional bank, CA",
          "2017-05-11",
          0,
          0,
          4,
          208581.97,
          null
        ],
        [
          "C02",
          "Valley Fire Sprinkler Inc",
          "Subcontractor (fire sprinklers)",
          "Large national bank",
          "2019-03-04",
          0,
          0,
          4,
          203029.14,
          null
        ],
        [
          "C03",
          "Sac Valley Plumbing & Mechanical",
          "Subcontractor (plumbing)",
          "Regional bank, CA",
          "2016-09-14",
          0,
          0,
          10,
          322247.98,
          null
        ],
        [
          "C04",
          "Foothill Framing Co",
          "Subcontractor (framing)",
          "Community bank, CA",
          "2018-02-20",
          0,
          0,
          4,
          180226.19,
          null
        ],
        [
          "C05",
          "Lisa Powell",
          "Client (residential remodel)",
          "Credit union, CA",
          "2026-07-02",
          1,
          49422.97,
          0,
          0,
          null
        ],
        [
          "C06",
          "Summit Painting Co",
          "Subcontractor (painting)",
          "Large national bank",
          "2020-04-09",
          0,
          0,
          10,
          331258.8,
          null
        ],
        [
          "C07",
          "Laguna Creek Medical Partners LLC",
          "Client (building owner)",
          "Large national bank",
          "2026-03-09",
          3,
          830900.45,
          0,
          0,
          "Elk Grove medical office tenant improvements"
        ],
        [
          "C08",
          "Pacific Crest Drywall",
          "Subcontractor (drywall)",
          "Community bank, CA",
          "2019-08-15",
          0,
          0,
          8,
          307112.91,
          null
        ],
        [
          "C09",
          "Northgate HVAC Inc",
          "Subcontractor (HVAC)",
          "Regional bank, CA",
          "2017-10-02",
          0,
          0,
          6,
          298671.13,
          null
        ],
        [
          "C10",
          "Donna West",
          "Client (residential remodel)",
          "Regional bank, CA",
          "2026-07-10",
          1,
          12073.26,
          0,
          0,
          null
        ],
        [
          "C11",
          "Delta Breeze Electric Inc",
          "Subcontractor (electrical)",
          "Large national bank",
          "2016-07-08",
          0,
          0,
          12,
          502015.99,
          null
        ],
        [
          "C12",
          "Western Rebar Supply",
          "Supplier (rebar)",
          "Regional bank, CA",
          "2019-01-22",
          0,
          0,
          4,
          52945.2,
          null
        ],
        [
          "C13",
          "River City Lumber & Truss",
          "Supplier (lumber)",
          "Regional bank, CA",
          "2016-05-03",
          0,
          0,
          3,
          66799.5,
          null
        ],
        [
          "C14",
          "Riverbend Unified School District",
          "Client (public school district)",
          "County treasury, CA",
          "2025-10-17",
          3,
          1919768.45,
          0,
          0,
          "School modernization contracts"
        ],
        [
          "C15",
          "Capital Ready Mix Inc",
          "Supplier (concrete)",
          "Regional bank, CA",
          "2017-05-02",
          0,
          0,
          4,
          105382.96,
          null
        ],
        [
          "C16",
          "Sierra Roofing & Sheet Metal",
          "Subcontractor (roofing)",
          "Regional bank, CA",
          "2018-07-30",
          0,
          0,
          3,
          200192.57,
          null
        ],
        [
          "C17",
          "Andrea Lewis",
          "Client (residential remodel)",
          "Regional bank, CA",
          "2026-07-20",
          1,
          27458.79,
          0,
          0,
          null
        ],
        [
          "C18",
          "American River Paving",
          "Subcontractor (paving)",
          "Community bank, CA",
          "2021-05-18",
          0,
          0,
          3,
          201434.64,
          null
        ],
        [
          "C19",
          "Capitol Valley Title Co.",
          "Title and escrow company (construction loan disbursement)",
          "Regional bank, CA",
          "2025-11-26",
          3,
          1682553.27,
          0,
          0,
          "Disburses the Oak Park Commons construction loan draws, escrow CVT-25-08812"
        ],
        [
          "C20",
          "Tri-County Excavation LLC",
          "Subcontractor (earthwork)",
          "Credit union, CA",
          "2018-06-27",
          0,
          0,
          3,
          135640.36,
          null
        ],
        [
          "C21",
          "Cornerstone Glazing Inc",
          "Subcontractor (glazing)",
          "Regional bank, CA",
          "2026-06-12",
          0,
          0,
          3,
          150028.17,
          null
        ],
        [
          "C22",
          "Matthew Murray",
          "Client (residential remodel)",
          "Credit union, CA",
          "2026-08-07",
          1,
          29425.94,
          0,
          0,
          null
        ],
        [
          "C23",
          "Jennifer Williams",
          "Client (residential remodel)",
          "Large national bank",
          "2026-08-10",
          1,
          19743.61,
          0,
          0,
          null
        ],
        [
          "C24",
          "Mark Watson",
          "Client (residential remodel)",
          "Regional bank, CA",
          "2026-08-27",
          1,
          15651.59,
          0,
          0,
          null
        ],
        [
          "C25",
          "Sean Lewis",
          "Client (residential remodel)",
          "Large national bank",
          "2026-09-08",
          1,
          38232.59,
          0,
          0,
          null
        ],
        [
          "C26",
          "Amanda Bennett",
          "Client (residential remodel)",
          "Regional bank, CA",
          "2026-09-09",
          1,
          15119.47,
          0,
          0,
          null
        ],
        [
          "C27",
          "Raymond Gray",
          "Client (residential remodel)",
          "Regional bank, CA",
          "2026-09-09",
          1,
          9840.2,
          0,
          0,
          null
        ],
        [
          "C28",
          "Timothy Tucker",
          "Client (residential remodel)",
          "Online bank",
          "2026-09-11",
          1,
          60750.95,
          0,
          0,
          null
        ],
        [
          "C29",
          "Dale R. Harwick, personal checking x8841",
          "Owner (60%), account with us",
          "Our bank",
          "2016-04-18",
          0,
          0,
          1,
          60000,
          "Owner's personal account"
        ],
        [
          "C30",
          "Truckee Meadows Steel Fabricators Inc",
          "Supplier (structural steel)",
          "Regional bank, NV",
          "2026-09-22",
          0,
          0,
          1,
          148600,
          "New wire beneficiary added 2026-09-21; Reno NV"
        ],
        [
          "C31",
          "Richard Johnson",
          "Client (residential remodel)",
          "Large national bank",
          "2026-09-23",
          1,
          53101.07,
          0,
          0,
          null
        ],
        [
          "C32",
          "Megan Payne",
          "Client (residential remodel)",
          "Large national bank",
          "2026-09-25",
          1,
          12519.78,
          0,
          0,
          null
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item on x3307 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": [
        [
          "2026-07-01T13:00:00Z",
          "ach_debit",
          -14500,
          375481.05,
          "J&R YARD PROPERTIES RENT",
          null,
          "SEC CCD; yard and office lease"
        ],
        [
          "2026-07-01T17:22:20Z",
          "ach_debit",
          -46970.42,
          328510.63,
          "ACH PMT GRANITE BAY CONCRETE INC",
          "C01",
          "SEC CCD; OPC draw 8 pay app"
        ],
        [
          "2026-07-01T17:26:15Z",
          "ach_debit",
          -39427.02,
          289083.61,
          "ACH PMT VALLEY FIRE SPRINKLER INC",
          "C02",
          "SEC CCD; OPC draw 8 pay app"
        ],
        [
          "2026-07-01T17:42:07Z",
          "ach_debit",
          -58969.07,
          230114.54,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; OPC draw 8 pay app"
        ],
        [
          "2026-07-01T17:46:06Z",
          "ach_debit",
          -57126.45,
          172988.09,
          "ACH PMT FOOTHILL FRAMING CO",
          "C04",
          "SEC CCD; OPC draw 8 pay app"
        ],
        [
          "2026-07-01T20:00:00Z",
          "ach_debit",
          -40407.14,
          132580.95,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-07-01T20:00:00Z",
          "ach_debit",
          -13781.72,
          118799.23,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-02T22:31:56Z",
          "remote_deposit",
          49422.97,
          168222.2,
          "REMOTE DEPOSIT CAPTURE 1 ITEM",
          "C05",
          "personal check, remodel progress payment"
        ],
        [
          "2026-07-06T13:00:00Z",
          "ach_debit",
          -13041.47,
          155180.73,
          "HOME DEPOT CRCARDPMT",
          null,
          "SEC CCD; pro account"
        ],
        [
          "2026-07-07T17:17:54Z",
          "ach_debit",
          -19769.19,
          135411.54,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-07-08T16:09:14Z",
          "wire_in",
          312618.4,
          448029.94,
          "INCOMING WIRE FEDWIRE",
          "C07",
          "Fedwire; originator Laguna Creek Medical Partners LLC, Elk Grove CA; OBI \"EGMOB TI PROGRESS PMT 5\""
        ],
        [
          "2026-07-09T17:23:57Z",
          "ach_debit",
          -31853.76,
          416176.18,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; EGMOB 5 pay app"
        ],
        [
          "2026-07-09T17:55:53Z",
          "ach_debit",
          -45082.44,
          371093.74,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; EGMOB 5 pay app"
        ],
        [
          "2026-07-09T20:00:00Z",
          "ach_debit",
          -43563.27,
          327530.47,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-07-09T20:00:00Z",
          "ach_debit",
          -14530.5,
          312999.97,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-10T13:00:00Z",
          "ach_debit",
          -8412.66,
          304587.31,
          "CAT FINANCIAL PMT",
          null,
          "SEC CCD; equipment loan"
        ],
        [
          "2026-07-10T17:22:44Z",
          "ach_debit",
          -35453.1,
          269134.21,
          "ACH PMT NORTHGATE HVAC INC",
          "C09",
          "SEC CCD; EGMOB 5 pay app"
        ],
        [
          "2026-07-10T23:32:40Z",
          "remote_deposit",
          12073.26,
          281207.47,
          "REMOTE DEPOSIT CAPTURE 1 ITEM",
          "C10",
          "personal check, remodel progress payment"
        ],
        [
          "2026-07-13T13:00:00Z",
          "ach_debit",
          -22845.42,
          258362.05,
          "AMEX EPAYMENT ACH PMT",
          null,
          "SEC CCD; company cards"
        ],
        [
          "2026-07-13T13:00:00Z",
          "ach_debit",
          -22840,
          235522.05,
          "GOLDEN STATE CONTRACTORS INS",
          null,
          "SEC CCD; quarterly liability and builder's risk premium"
        ],
        [
          "2026-07-13T17:14:04Z",
          "ach_debit",
          -38717.12,
          196804.93,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; EGMOB 5 pay app"
        ],
        [
          "2026-07-13T17:47:49Z",
          "ach_debit",
          -32657.63,
          164147.3,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; EGMOB 5 pay app"
        ],
        [
          "2026-07-13T17:49:14Z",
          "ach_debit",
          -16114.16,
          148033.14,
          "ACH PMT WESTERN REBAR SUPPLY",
          "C12",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-07-14T17:45:05Z",
          "ach_debit",
          -4829.3,
          143203.84,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-07-15T13:00:00Z",
          "ach_debit",
          -11313.31,
          131890.53,
          "STATE COMP INS FUND PREM",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-15T17:10:13Z",
          "ach_debit",
          -24736.49,
          107154.04,
          "ACH PMT RIVER CITY LUMBER & TRUSS",
          "C13",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-07-16T20:00:00Z",
          "ach_debit",
          -43130.1,
          64023.94,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-07-16T20:00:00Z",
          "ach_debit",
          -15095.74,
          48928.2,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-17T12:30:00Z",
          "ach_credit",
          418605.3,
          467533.5,
          "RIVERBEND USD AP VENDOR PMT",
          "C14",
          "SEC CCD; addenda \"HOLLIS ES MODERNIZATION PP 1\""
        ],
        [
          "2026-07-17T17:30:56Z",
          "ach_debit",
          -15103.17,
          452430.33,
          "ACH PMT CAPITAL READY MIX INC",
          "C15",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-07-20T13:00:00Z",
          "ach_debit",
          -9338.88,
          443091.45,
          "WEX INC FLEET PMT",
          null,
          "SEC CCD; fuel cards"
        ],
        [
          "2026-07-20T17:10:52Z",
          "ach_debit",
          -41100.7,
          401990.75,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-07-20T17:53:31Z",
          "ach_debit",
          -40445.9,
          361544.85,
          "ACH PMT SIERRA ROOFING & SHEET METAL",
          "C16",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-07-21T01:27:44Z",
          "remote_deposit",
          27458.79,
          389003.64,
          "REMOTE DEPOSIT CAPTURE 1 ITEM",
          "C17",
          "personal check, remodel progress payment"
        ],
        [
          "2026-07-21T17:03:06Z",
          "ach_debit",
          -10983.52,
          378020.12,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-07-21T17:14:36Z",
          "ach_debit",
          -46821.52,
          331198.6,
          "ACH PMT NORTHGATE HVAC INC",
          "C09",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-07-21T17:37:05Z",
          "ach_debit",
          -42639.07,
          288559.53,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-07-21T17:58:57Z",
          "ach_debit",
          -46290.93,
          242268.6,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-07-22T13:00:00Z",
          "ach_debit",
          -1299.75,
          240968.85,
          "SMUD BILL PMT",
          null,
          "SEC WEB"
        ],
        [
          "2026-07-22T17:30:11Z",
          "ach_debit",
          -44094.37,
          196874.48,
          "ACH PMT AMERICAN RIVER PAVING",
          "C18",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-07-23T20:00:00Z",
          "ach_debit",
          -43046.15,
          153828.33,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-07-23T20:00:00Z",
          "ach_debit",
          -14317.71,
          139510.62,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-07-27T18:53:37Z",
          "wire_in",
          521690.05,
          661200.67,
          "INCOMING WIRE FEDWIRE",
          "C19",
          "Fedwire; originator Capitol Valley Title Co., Sacramento CA; OBI \"CVT-25-08812 OAK PARK COMMONS DRAW 9\""
        ],
        [
          "2026-07-28T17:18:42Z",
          "ach_debit",
          -46882.24,
          614318.43,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; OPC draw 9 pay app"
        ],
        [
          "2026-07-29T17:39:41Z",
          "ach_debit",
          -47368.91,
          566949.52,
          "ACH PMT TRI-COUNTY EXCAVATION LLC",
          "C20",
          "SEC CCD; OPC draw 9 pay app"
        ],
        [
          "2026-07-30T17:13:33Z",
          "ach_debit",
          -56062,
          510887.52,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; OPC draw 9 pay app"
        ],
        [
          "2026-07-30T17:22:56Z",
          "ach_debit",
          -47702.43,
          463185.09,
          "ACH PMT CORNERSTONE GLAZING INC",
          "C21",
          "SEC CCD; OPC draw 9 pay app"
        ],
        [
          "2026-07-30T17:35:04Z",
          "ach_debit",
          -50709.69,
          412475.4,
          "ACH PMT GRANITE BAY CONCRETE INC",
          "C01",
          "SEC CCD; OPC draw 9 pay app"
        ],
        [
          "2026-07-30T17:35:11Z",
          "ach_debit",
          -48860.89,
          363614.51,
          "ACH PMT VALLEY FIRE SPRINKLER INC",
          "C02",
          "SEC CCD; OPC draw 9 pay app"
        ],
        [
          "2026-07-30T17:47:10Z",
          "ach_debit",
          -34212.04,
          329402.47,
          "ACH PMT FOOTHILL FRAMING CO",
          "C04",
          "SEC CCD; OPC draw 9 pay app"
        ],
        [
          "2026-07-30T20:00:00Z",
          "ach_debit",
          -41583.2,
          287819.27,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-07-30T20:00:00Z",
          "ach_debit",
          -14031.19,
          273788.08,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-03T13:00:00Z",
          "ach_debit",
          -14500,
          259288.08,
          "J&R YARD PROPERTIES RENT",
          null,
          "SEC CCD; yard and office lease"
        ],
        [
          "2026-08-06T13:00:00Z",
          "ach_debit",
          -6834.61,
          252453.47,
          "HOME DEPOT CRCARDPMT",
          null,
          "SEC CCD; pro account"
        ],
        [
          "2026-08-06T17:42:01Z",
          "ach_debit",
          -22099.35,
          230354.12,
          "ACH PMT RIVER CITY LUMBER & TRUSS",
          "C13",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-08-06T20:00:00Z",
          "ach_debit",
          -39434.02,
          190920.1,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-08-06T20:00:00Z",
          "ach_debit",
          -13723.73,
          177196.37,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-07T19:26:05Z",
          "ach_credit",
          29425.94,
          206622.31,
          "MATTHEW MURRAY PMT",
          "C22",
          "SEC WEB; remodel progress payment"
        ],
        [
          "2026-08-10T13:00:00Z",
          "ach_debit",
          -8412.66,
          198209.65,
          "CAT FINANCIAL PMT",
          null,
          "SEC CCD; equipment loan"
        ],
        [
          "2026-08-10T16:09:03Z",
          "wire_in",
          276904.25,
          475113.9,
          "INCOMING WIRE FEDWIRE",
          "C07",
          "Fedwire; originator Laguna Creek Medical Partners LLC, Elk Grove CA; OBI \"EGMOB TI PROGRESS PMT 6\""
        ],
        [
          "2026-08-10T17:33:48Z",
          "ach_debit",
          -11770.38,
          463343.52,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-08-10T21:28:46Z",
          "ach_credit",
          19743.61,
          483087.13,
          "JENNIFER WILLIAMS PMT",
          "C23",
          "SEC WEB; remodel progress payment"
        ],
        [
          "2026-08-11T17:31:40Z",
          "ach_debit",
          -27869.47,
          455217.66,
          "ACH PMT NORTHGATE HVAC INC",
          "C09",
          "SEC CCD; EGMOB 6 pay app"
        ],
        [
          "2026-08-11T17:58:36Z",
          "ach_debit",
          -7897.44,
          447320.22,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-08-12T13:00:00Z",
          "ach_debit",
          -26893.64,
          420426.58,
          "AMEX EPAYMENT ACH PMT",
          null,
          "SEC CCD; company cards"
        ],
        [
          "2026-08-12T17:37:23Z",
          "ach_debit",
          -38760.19,
          381666.39,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; EGMOB 6 pay app"
        ],
        [
          "2026-08-13T17:03:53Z",
          "ach_debit",
          -35135.62,
          346530.77,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; EGMOB 6 pay app"
        ],
        [
          "2026-08-13T17:15:41Z",
          "ach_debit",
          -30633.43,
          315897.34,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; EGMOB 6 pay app"
        ],
        [
          "2026-08-13T17:45:04Z",
          "ach_debit",
          -11530.76,
          304366.58,
          "ACH PMT WESTERN REBAR SUPPLY",
          "C12",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-08-13T17:56:45Z",
          "ach_debit",
          -33443.62,
          270922.96,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; EGMOB 6 pay app"
        ],
        [
          "2026-08-13T20:00:00Z",
          "ach_debit",
          -43010.59,
          227912.37,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-08-13T20:00:00Z",
          "ach_debit",
          -15307.14,
          212605.23,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-14T12:30:00Z",
          "ach_credit",
          694212.75,
          906817.98,
          "RIVERBEND USD AP VENDOR PMT",
          "C14",
          "SEC CCD; addenda \"HOLLIS ES MODERNIZATION PP 2\""
        ],
        [
          "2026-08-17T13:00:00Z",
          "ach_debit",
          -12821.44,
          893996.54,
          "STATE COMP INS FUND PREM",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-17T17:05:12Z",
          "ach_debit",
          -76920.69,
          817075.85,
          "ACH PMT NORTHGATE HVAC INC",
          "C09",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-08-17T17:36:46Z",
          "ach_debit",
          -62771.59,
          754304.26,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-08-17T17:41:41Z",
          "ach_debit",
          -77693.76,
          676610.5,
          "ACH PMT SIERRA ROOFING & SHEET METAL",
          "C16",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-08-17T17:43:07Z",
          "ach_debit",
          -16343.91,
          660266.59,
          "ACH PMT CAPITAL READY MIX INC",
          "C15",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-08-18T17:49:46Z",
          "ach_debit",
          -73576.48,
          586690.11,
          "ACH PMT AMERICAN RIVER PAVING",
          "C18",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-08-18T17:57:31Z",
          "ach_debit",
          -53568.23,
          533121.88,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-08-19T17:37:04Z",
          "ach_debit",
          -71442.87,
          461679.01,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-08-20T13:00:00Z",
          "ach_debit",
          -11187.92,
          450491.09,
          "WEX INC FLEET PMT",
          null,
          "SEC CCD; fuel cards"
        ],
        [
          "2026-08-20T20:00:00Z",
          "ach_debit",
          -41337.3,
          409153.79,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-08-20T20:00:00Z",
          "ach_debit",
          -14128.52,
          395025.27,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-24T13:00:00Z",
          "ach_debit",
          -1153.06,
          393872.21,
          "SMUD BILL PMT",
          null,
          "SEC WEB"
        ],
        [
          "2026-08-27T17:44:10Z",
          "ach_credit",
          15651.59,
          409523.8,
          "MARK WATSON PMT",
          "C24",
          "SEC WEB; remodel progress payment"
        ],
        [
          "2026-08-27T18:35:02Z",
          "wire_in",
          548118.92,
          957642.72,
          "INCOMING WIRE FEDWIRE",
          "C19",
          "Fedwire; originator Capitol Valley Title Co., Sacramento CA; OBI \"CVT-25-08812 OAK PARK COMMONS DRAW 10\""
        ],
        [
          "2026-08-27T20:00:00Z",
          "ach_debit",
          -40702.59,
          916940.13,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-08-27T20:00:00Z",
          "ach_debit",
          -14015.58,
          902924.55,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-28T17:34:43Z",
          "ach_debit",
          -48298.45,
          854626.1,
          "ACH PMT TRI-COUNTY EXCAVATION LLC",
          "C20",
          "SEC CCD; OPC draw 10 pay app"
        ],
        [
          "2026-08-28T17:36:02Z",
          "ach_debit",
          -42405.71,
          812220.39,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; OPC draw 10 pay app"
        ],
        [
          "2026-08-31T17:28:21Z",
          "ach_debit",
          -52642.21,
          759578.18,
          "ACH PMT GRANITE BAY CONCRETE INC",
          "C01",
          "SEC CCD; OPC draw 10 pay app"
        ],
        [
          "2026-08-31T17:34:55Z",
          "ach_debit",
          -59336.14,
          700242.04,
          "ACH PMT VALLEY FIRE SPRINKLER INC",
          "C02",
          "SEC CCD; OPC draw 10 pay app"
        ],
        [
          "2026-08-31T17:39:29Z",
          "ach_debit",
          -55563.39,
          644678.65,
          "ACH PMT CORNERSTONE GLAZING INC",
          "C21",
          "SEC CCD; OPC draw 10 pay app"
        ],
        [
          "2026-08-31T17:59:24Z",
          "ach_debit",
          -6260.64,
          638418.01,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-09-01T13:00:00Z",
          "ach_debit",
          -14500,
          623918.01,
          "J&R YARD PROPERTIES RENT",
          null,
          "SEC CCD; yard and office lease"
        ],
        [
          "2026-09-01T17:06:55Z",
          "ach_debit",
          -39535.87,
          584382.14,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; OPC draw 10 pay app"
        ],
        [
          "2026-09-01T17:48:51Z",
          "ach_debit",
          -47226.51,
          537155.63,
          "ACH PMT FOOTHILL FRAMING CO",
          "C04",
          "SEC CCD; OPC draw 10 pay app"
        ],
        [
          "2026-09-02T17:28:17Z",
          "ach_debit",
          -32850.26,
          504305.37,
          "ACH PMT CAPITAL READY MIX INC",
          "C15",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-09-03T20:00:00Z",
          "ach_debit",
          -40284.2,
          464021.17,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-09-03T20:00:00Z",
          "ach_debit",
          -14248.79,
          449772.38,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-08T13:00:00Z",
          "ach_debit",
          -12378.88,
          437393.5,
          "HOME DEPOT CRCARDPMT",
          null,
          "SEC CCD; pro account"
        ],
        [
          "2026-09-08T16:52:56Z",
          "wire_in",
          241377.8,
          678771.3,
          "INCOMING WIRE FEDWIRE",
          "C07",
          "Fedwire; originator Laguna Creek Medical Partners LLC, Elk Grove CA; OBI \"EGMOB TI PROGRESS PMT 7\""
        ],
        [
          "2026-09-08T19:42:45Z",
          "ach_credit",
          38232.59,
          717003.89,
          "SEAN LEWIS PMT",
          "C25",
          "SEC WEB; remodel progress payment"
        ],
        [
          "2026-09-09T15:08:51Z",
          "ach_credit",
          15119.47,
          732123.36,
          "AMANDA BENNETT PMT",
          "C26",
          "SEC WEB; remodel progress payment"
        ],
        [
          "2026-09-09T17:02:11Z",
          "ach_debit",
          -15293.04,
          716830.32,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-09-09T17:41:24Z",
          "ach_debit",
          -30032.45,
          686797.87,
          "ACH PMT NORTHGATE HVAC INC",
          "C09",
          "SEC CCD; EGMOB 7 pay app"
        ],
        [
          "2026-09-09T17:52:11Z",
          "ach_debit",
          -35410.79,
          651387.08,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; EGMOB 7 pay app"
        ],
        [
          "2026-09-10T00:12:02Z",
          "remote_deposit",
          9840.2,
          661227.28,
          "REMOTE DEPOSIT CAPTURE 1 ITEM",
          "C27",
          "personal check, remodel progress payment"
        ],
        [
          "2026-09-10T13:00:00Z",
          "ach_debit",
          -8412.66,
          652814.62,
          "CAT FINANCIAL PMT",
          null,
          "SEC CCD; equipment loan"
        ],
        [
          "2026-09-10T17:10:59Z",
          "ach_debit",
          -24571.77,
          628242.85,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; EGMOB 7 pay app"
        ],
        [
          "2026-09-10T17:17:37Z",
          "ach_debit",
          -30262.32,
          597980.53,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; EGMOB 7 pay app"
        ],
        [
          "2026-09-10T20:00:00Z",
          "ach_debit",
          -43323.51,
          554657.02,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-09-10T20:00:00Z",
          "ach_debit",
          -14591.13,
          540065.89,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-11T17:17:29Z",
          "ach_debit",
          -3936.08,
          536129.81,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-09-11T17:56:29Z",
          "ach_debit",
          -26450.09,
          509679.72,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; EGMOB 7 pay app"
        ],
        [
          "2026-09-12T00:48:41Z",
          "remote_deposit",
          60750.95,
          570430.67,
          "REMOTE DEPOSIT CAPTURE 1 ITEM",
          "C28",
          "personal check, remodel progress payment"
        ],
        [
          "2026-09-14T13:00:00Z",
          "ach_debit",
          -26344.92,
          544085.75,
          "AMEX EPAYMENT ACH PMT",
          null,
          "SEC CCD; company cards"
        ],
        [
          "2026-09-14T17:48:55Z",
          "ach_debit",
          -17679.46,
          526406.29,
          "ACH PMT WESTERN REBAR SUPPLY",
          "C12",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-09-14T17:59:40Z",
          "ach_debit",
          -6047.79,
          520358.5,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-09-14T23:05:47Z",
          "transfer_out",
          -60000,
          460358.5,
          "ONLINE TRANSFER TO x8841",
          "C29",
          "online banking; initiated by Kristen L. Harwick"
        ],
        [
          "2026-09-15T13:00:00Z",
          "ach_debit",
          -11594.9,
          448763.6,
          "STATE COMP INS FUND PREM",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-15T17:08:19Z",
          "ach_debit",
          -24300.38,
          424463.22,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-09-17T17:31:38Z",
          "ach_debit",
          -19963.66,
          404499.56,
          "ACH PMT RIVER CITY LUMBER & TRUSS",
          "C13",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-09-17T20:00:00Z",
          "ach_debit",
          -42033.02,
          362466.54,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-09-17T20:00:00Z",
          "ach_debit",
          -13887.74,
          348578.8,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-18T12:30:00Z",
          "ach_credit",
          806950.4,
          1155529.2,
          "RIVERBEND USD AP VENDOR PMT",
          "C14",
          "SEC CCD; addenda \"HOLLIS ES MODERNIZATION PP 3\""
        ],
        [
          "2026-09-21T13:00:00Z",
          "ach_debit",
          -10373.86,
          1145155.34,
          "WEX INC FLEET PMT",
          null,
          "SEC CCD; fuel cards"
        ],
        [
          "2026-09-21T17:14:29Z",
          "ach_debit",
          -70907.77,
          1074247.57,
          "ACH PMT PACIFIC CREST DRYWALL",
          "C08",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-09-22T13:00:00Z",
          "ach_debit",
          -1523.36,
          1072724.21,
          "SMUD BILL PMT",
          null,
          "SEC WEB"
        ],
        [
          "2026-09-22T17:25:22Z",
          "ach_debit",
          -88046.31,
          984677.9,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-09-22T17:48:13Z",
          "wire_out",
          -148600,
          836077.9,
          "OUTGOING WIRE FEDWIRE",
          "C30",
          "online wire, dual approval (Kristen L. Harwick, Dale R. Harwick); beneficiary Truckee Meadows Steel Fabricators Inc, account x2290, Reno NV; OBI \"OPC STEEL PKG DEPOSIT INV 26-1184\""
        ],
        [
          "2026-09-22T17:48:14Z",
          "fee",
          -25,
          836052.9,
          "OUTGOING WIRE FEE",
          null,
          null
        ],
        [
          "2026-09-23T17:10:15Z",
          "ach_debit",
          -83763.79,
          752289.11,
          "ACH PMT AMERICAN RIVER PAVING",
          "C18",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-09-23T17:14:34Z",
          "ach_debit",
          -82052.91,
          670236.2,
          "ACH PMT SIERRA ROOFING & SHEET METAL",
          "C16",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-09-23T17:33:22Z",
          "ach_debit",
          -83254.5,
          586981.7,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-09-23T17:38:50Z",
          "ach_debit",
          -81573.9,
          505407.8,
          "ACH PMT NORTHGATE HVAC INC",
          "C09",
          "SEC CCD; Hollis Es Modernization pay app"
        ],
        [
          "2026-09-23T17:39:20Z",
          "ach_credit",
          53101.07,
          558508.87,
          "RICHARD JOHNSON PMT",
          "C31",
          "SEC WEB; remodel progress payment"
        ],
        [
          "2026-09-24T20:00:00Z",
          "ach_debit",
          -40987.49,
          517521.38,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-09-24T20:00:00Z",
          "ach_debit",
          -14069.37,
          503452.01,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-25T18:43:00Z",
          "wire_in",
          612744.3,
          1116196.31,
          "INCOMING WIRE FEDWIRE",
          "C19",
          "Fedwire; originator Capitol Valley Title Co., Sacramento CA; OBI \"CVT-25-08812 OAK PARK COMMONS DRAW 11\""
        ],
        [
          "2026-09-25T20:43:04Z",
          "ach_credit",
          12519.78,
          1128716.09,
          "MEGAN PAYNE PMT",
          "C32",
          "SEC WEB; remodel progress payment"
        ],
        [
          "2026-09-28T17:01:02Z",
          "ach_debit",
          -41661.19,
          1087054.9,
          "ACH PMT FOOTHILL FRAMING CO",
          "C04",
          "SEC CCD; OPC draw 11 pay app"
        ],
        [
          "2026-09-28T17:34:03Z",
          "ach_debit",
          -21240.43,
          1065814.47,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-09-28T17:38:36Z",
          "ach_debit",
          -46762.35,
          1019052.12,
          "ACH PMT CORNERSTONE GLAZING INC",
          "C21",
          "SEC CCD; OPC draw 11 pay app"
        ],
        [
          "2026-09-28T17:42:44Z",
          "ach_debit",
          -56314.58,
          962737.54,
          "ACH PMT DELTA BREEZE ELECTRIC INC",
          "C11",
          "SEC CCD; OPC draw 11 pay app"
        ],
        [
          "2026-09-28T17:54:14Z",
          "ach_debit",
          -5007.91,
          957729.63,
          "ACH PMT SUMMIT PAINTING CO",
          "C06",
          "SEC CCD; remodel pay app"
        ],
        [
          "2026-09-29T17:20:33Z",
          "ach_debit",
          -58259.65,
          899469.98,
          "ACH PMT GRANITE BAY CONCRETE INC",
          "C01",
          "SEC CCD; OPC draw 11 pay app"
        ],
        [
          "2026-09-29T17:32:50Z",
          "ach_debit",
          -62129.36,
          837340.62,
          "ACH PMT SAC VALLEY PLUMBING & MECHAN",
          "C03",
          "SEC CCD; OPC draw 11 pay app"
        ],
        [
          "2026-09-29T17:32:50Z",
          "ach_debit",
          -39973,
          797367.62,
          "ACH PMT TRI-COUNTY EXCAVATION LLC",
          "C20",
          "SEC CCD; OPC draw 11 pay app"
        ],
        [
          "2026-09-30T17:50:10Z",
          "ach_debit",
          -55405.09,
          741962.53,
          "ACH PMT VALLEY FIRE SPRINKLER INC",
          "C02",
          "SEC CCD; OPC draw 11 pay app"
        ],
        [
          "2026-10-01T13:00:00Z",
          "ach_debit",
          -14500,
          727462.53,
          "J&R YARD PROPERTIES RENT",
          null,
          "SEC CCD; yard and office lease"
        ],
        [
          "2026-10-01T20:00:00Z",
          "ach_debit",
          -42267.49,
          685195.04,
          "ADP WAGE PAY",
          null,
          "SEC CCD; weekly payroll, 24 to 31 employees"
        ],
        [
          "2026-10-01T20:00:00Z",
          "ach_debit",
          -14151.37,
          671043.67,
          "ADP TAX",
          null,
          "SEC CCD"
        ],
        [
          "2026-10-02T17:02:28Z",
          "ach_debit",
          -41085.62,
          629958.05,
          "ACH PMT CAPITAL READY MIX INC",
          "C15",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-10-05T17:04:27Z",
          "ach_debit",
          -7620.82,
          622337.23,
          "ACH PMT WESTERN REBAR SUPPLY",
          "C12",
          "SEC CCD; supplier invoices"
        ],
        [
          "2026-10-06T13:00:00Z",
          "ach_debit",
          -11862.72,
          610474.51,
          "HOME DEPOT CRCARDPMT",
          null,
          "SEC CCD; pro account"
        ]
      ]
    },
    "related_account_activity": {
      "account": "Dale R. Harwick, personal checking x8841 (with us)",
      "note": "Debits within 7 days after each $60,000 transfer from the company in 2026",
      "rows": [
        [
          "2026-01-15",
          "IRS USATAXPYMT",
          -31800
        ],
        [
          "2026-01-15",
          "FRANCHISE TAX BD PYMT",
          -9600
        ],
        [
          "2026-04-15",
          "IRS USATAXPYMT",
          -36400
        ],
        [
          "2026-04-15",
          "FRANCHISE TAX BD PYMT",
          -11800
        ],
        [
          "2026-06-15",
          "IRS USATAXPYMT",
          -36400
        ],
        [
          "2026-06-15",
          "FRANCHISE TAX BD PYMT",
          -11800
        ],
        [
          "2026-09-15",
          "IRS USATAXPYMT",
          -38400
        ],
        [
          "2026-09-15",
          "FRANCHISE TAX BD PYMT",
          -12200
        ]
      ]
    },
    "prior_alerts": [
      {
        "alert_id": "AML-RMF-2025-091802",
        "created": "2025-09-18",
        "scenario": "Rapid movement of funds",
        "outcome": "Closed 2025-10-02, no SAR, after a request for information. The CFO sent the draw schedule for the Lincoln Middle School modernization, the subcontractor list and three pay applications; payments matched them."
      },
      {
        "alert_id": "AML-RPT-2026-041401",
        "created": "2026-04-14",
        "scenario": "Round-dollar transfer to an owner or related party",
        "outcome": "Closed 2026-04-15, no SAR: quarterly owner distribution for estimated taxes, the same pattern each quarter since 2019; the owner's account paid federal and state estimated taxes the next day."
      }
    ],
    "customer_contact": [
      {
        "ts": "2025-09-29T21:40:00Z",
        "channel": "Secure message from customer (Kristen L. Harwick), reply to request for information",
        "text": "Hi, attached are the Lincoln MS draw schedule, our subs list for that job and pay apps 2-4. The district pays us monthly and we pay the subs as soon as it lands, less retention. Summer is always our busiest stretch because school jobs have to finish before classes start. Let me know if you need anything else. Kristen"
      },
      {
        "ts": "2026-08-19T22:30:00Z",
        "channel": "Relationship manager call report (annual review, at the customer's office)",
        "note": "Met Dale and Kristen. 2025 revenue $11.4M (tax return provided). Backlog about $19M: Oak Park Commons, 4-story mixed-use, $14.2M contract, construction loan with another lender, draws monthly through Capitol Valley Title, now going vertical; Elk Grove medical office tenant improvements, $2.1M, finishing in October; Hollis Elementary modernization for Riverbend USD, $3.4M, summer and fall 2026; six residential remodels. Structural steel for Oak Park was awarded to a fabricator in Reno, about $300K in two payments, a deposit in September and the balance on delivery. Expected monthly credits updated to $500K to $1.8M. Risk rating stays Medium."
      }
    ],
    "case_notes": [
      {
        "ts": "2026-10-06T16:05:00Z",
        "note": "Alert assigned. Wires in are Oak Park draws from Capitol Valley Title (escrow reference on each) and Elk Grove progress payments from the building owner; the ACH credits include Riverbend USD's progress payment 3 for Hollis Elementary. Subcontractors paid in the window are all existing counterparties except Cornerstone Glazing (first paid 2026-06). Nevada business registry: Truckee Meadows Steel Fabricators Inc, active since 2009. No cash, no international activity."
      }
    ],
    "alert": {
      "alert_id": "AML-RMF-2026-100611",
      "created": "2026-10-06T13:15:00Z",
      "scenario": "Rapid movement of funds / volume above profile",
      "status": "New",
      "rules_fired": [
        "RMF-01 debits in 30 days at least 85% of credits, with credits of $1,000,000 or more (91% of $1,850,636.56)",
        "VOL-02 credits in 30 days at least 1.5x the 12-month monthly average ($1,850,636.56 against $818,711.49)",
        "WIR-05 wire of $100,000 or more to a new beneficiary in another state ($148,600.00 to Truckee Meadows Steel Fabricators Inc, Reno NV, on 2026-09-22)",
        "RPT-02 round-dollar transfer of $50,000 or more to an owner or related party ($60,000.00 to x8841 on 2026-09-14)"
      ],
      "monitoring_model_score": 0.71,
      "last_30_days": {
        "window": "2026-09-06T13:15:00Z to 2026-10-06T13:15:00Z",
        "credits_usd": 1850636.56,
        "credits_12_month_monthly_average_usd": 818711.49,
        "wires_in_usd": 854122.1,
        "wires_in_12_month_monthly_average_usd": 512888.18,
        "debits_usd": 1689934.43,
        "credits_moved_out_within_5_days_pct": 58,
        "cash_deposits_usd": 0,
        "international_wires_usd": 0,
        "balance_at_end_usd": 610474.51
      }
    }
  },
  "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"
      }
    }
  }
}