{
  "model": "grayson-1",
  "state": {
    "member": {
      "member_id": "M-0048813",
      "name": "Linda Marchetti",
      "age": 67,
      "member_since": "2009-03-16",
      "employment": "Retired school administrator; income is a pension and Social Security",
      "address": "Westerville, OH; unchanged since 2009",
      "mobile_phone_on_file": "614-555-0142, last changed 2016-08-09",
      "email_on_file": "lmarchetti@example.net, last changed 2019-02-11",
      "trusted_contact_person": "None on file",
      "digital_banking": "Enrolled 2014-10-02. Mobile app on two trusted devices. One-time codes go by SMS to the mobile phone on file and are required for a new device, a new P2P recipient over $500 and contact-detail changes.",
      "p2p": "Enrolled 2021-06-20; limit $2,500 per day",
      "alerts": "Card verification texts on; no balance or transfer alerts"
    },
    "accounts": {
      "columns": [
        "account",
        "type",
        "opened",
        "balance_usd_2026-10-01"
      ],
      "rows": [
        [
          "x3306",
          "checking",
          "2009-03-16",
          5705.71
        ],
        [
          "x8841",
          "savings",
          "2009-03-16",
          14900.66
        ],
        [
          "x2015",
          "12-month share certificate",
          "2026-02-14",
          25000
        ],
        [
          "x7193",
          "Visa credit card, limit $8,000",
          "2015-05-02",
          1284.66
        ]
      ]
    },
    "devices": {
      "columns": [
        "device",
        "first_seen",
        "trusted",
        "last_seen"
      ],
      "rows": [
        [
          "iPhone 13, app",
          "2022-11-05",
          true,
          "2026-09-30"
        ],
        [
          "iPad 8th gen, app",
          "2020-12-26",
          true,
          "2026-09-19"
        ],
        [
          "Windows 10, Chrome 128, browser",
          "2026-09-27",
          false,
          "2026-09-27"
        ],
        [
          "Android 14, Chrome Mobile 129, browser",
          "2026-09-28",
          false,
          "2026-09-28"
        ]
      ]
    },
    "checking_x3306_history": {
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-04-01",
          "ACH credit",
          "SCHL EMPLOYEES RET SYS BENEFIT PPD",
          2914.36,
          6776.77
        ],
        [
          "2026-04-01",
          "ACH debit",
          "MUTUAL OF OMAHA INS PREMIUM PPD",
          -212.18,
          6564.59
        ],
        [
          "2026-04-02",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          6444.59
        ],
        [
          "2026-04-03",
          "transfer out",
          "RECURRING TRANSFER TO SAVINGS x8841",
          -500,
          5944.59
        ],
        [
          "2026-04-04",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -136.99,
          5807.6
        ],
        [
          "2026-04-04",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -38.73,
          5768.87
        ],
        [
          "2026-04-04",
          "card purchase",
          "AMAZON MKTPL*Z7ZXHCDSD AMZN.COM/BILL WA",
          -57.04,
          5711.83
        ],
        [
          "2026-04-06",
          "ACH debit",
          "ST BRENDAN PARISH OLG GIVING WEB",
          -100,
          5611.83
        ],
        [
          "2026-04-06",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -100,
          5511.83
        ],
        [
          "2026-04-07",
          "card purchase",
          "BOB EVANS #022 WESTERVILLE OH",
          -36.12,
          5475.71
        ],
        [
          "2026-04-08",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2187,
          7662.71
        ],
        [
          "2026-04-08",
          "P2P sent",
          "P2P SENT TO D. NGUYEN",
          -65,
          7597.71
        ],
        [
          "2026-04-08",
          "check paid",
          "CHECK #1201",
          -140,
          7457.71
        ],
        [
          "2026-04-09",
          "ACH debit",
          "SPECTRUM SPECTRUM PPD",
          -79.99,
          7377.72
        ],
        [
          "2026-04-09",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -36.25,
          7341.47
        ],
        [
          "2026-04-10",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -12.09,
          7329.38
        ],
        [
          "2026-04-11",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -57.36,
          7272.02
        ],
        [
          "2026-04-12",
          "card purchase",
          "AMAZON MKTPL*YZTGDHXTB AMZN.COM/BILL WA",
          -47.26,
          7224.76
        ],
        [
          "2026-04-13",
          "ACH debit",
          "PROGRESSIVE *INSURANCE PPD",
          -96.4,
          7128.36
        ],
        [
          "2026-04-14",
          "card purchase",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          7112.87
        ],
        [
          "2026-04-14",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -35.48,
          7077.39
        ],
        [
          "2026-04-16",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          6957.39
        ],
        [
          "2026-04-17",
          "card purchase",
          "SIRIUSXM.COM/ACCT NEW YORK NY",
          -10.99,
          6946.4
        ],
        [
          "2026-04-17",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -60,
          6886.4
        ],
        [
          "2026-04-18",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -90.53,
          6795.87
        ],
        [
          "2026-04-20",
          "ACH debit",
          "AEP OHIO ONLINE PMT PPD",
          -97.12,
          6698.75
        ],
        [
          "2026-04-20",
          "card purchase",
          "AMAZON MKTPL*VNK37RQ7Y AMZN.COM/BILL WA",
          -27.82,
          6670.93
        ],
        [
          "2026-04-20",
          "transfer out",
          "ONLINE TRANSFER TO VISA x7193",
          -1856.31,
          4814.62
        ],
        [
          "2026-04-22",
          "ACH debit",
          "COLUMBIA GAS OH BILLPAY PPD",
          -61.08,
          4753.54
        ],
        [
          "2026-04-22",
          "card purchase",
          "AMAZON MKTPL*KKQQDECGG AMZN.COM/BILL WA",
          -55.46,
          4698.08
        ],
        [
          "2026-04-23",
          "card purchase",
          "OLIVE GARDEN #1462 COLUMBUS OH",
          -23.5,
          4674.58
        ],
        [
          "2026-04-23",
          "card purchase",
          "AMAZON MKTPL*ASZY6MBV5 AMZN.COM/BILL WA",
          -36.55,
          4638.03
        ],
        [
          "2026-04-24",
          "ACH debit",
          "VERIZON WIRELESS PAYMENTS PPD",
          -68.42,
          4569.61
        ],
        [
          "2026-04-25",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -100.98,
          4468.63
        ],
        [
          "2026-04-27",
          "ACH debit",
          "CITY OF WESTERVILLE UTIL BILLPAY",
          -73.29,
          4395.34
        ],
        [
          "2026-04-27",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -42.55,
          4352.79
        ],
        [
          "2026-04-30",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          4232.79
        ],
        [
          "2026-05-01",
          "ACH credit",
          "SCHL EMPLOYEES RET SYS BENEFIT PPD",
          2914.36,
          7147.15
        ],
        [
          "2026-05-01",
          "ACH debit",
          "MUTUAL OF OMAHA INS PREMIUM PPD",
          -212.18,
          6934.97
        ],
        [
          "2026-05-01",
          "card purchase",
          "OLIVE GARDEN #1462 COLUMBUS OH",
          -20.74,
          6914.23
        ],
        [
          "2026-05-02",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -105.98,
          6808.25
        ],
        [
          "2026-05-03",
          "transfer out",
          "RECURRING TRANSFER TO SAVINGS x8841",
          -500,
          6308.25
        ],
        [
          "2026-05-04",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -100,
          6208.25
        ],
        [
          "2026-05-05",
          "ACH debit",
          "ST BRENDAN PARISH OLG GIVING WEB",
          -100,
          6108.25
        ],
        [
          "2026-05-05",
          "card purchase",
          "AMAZON MKTPL*QDXFLTCM6 AMZN.COM/BILL WA",
          -27.28,
          6080.97
        ],
        [
          "2026-05-07",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -36.68,
          6044.29
        ],
        [
          "2026-05-07",
          "check paid",
          "CHECK #1202",
          -140,
          5904.29
        ],
        [
          "2026-05-09",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -89.66,
          5814.63
        ],
        [
          "2026-05-09",
          "card purchase",
          "AMAZON MKTPL*BBTQ7TCCJ AMZN.COM/BILL WA",
          -37.7,
          5776.93
        ],
        [
          "2026-05-11",
          "ACH debit",
          "SPECTRUM SPECTRUM PPD",
          -79.99,
          5696.94
        ],
        [
          "2026-05-11",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -35.8,
          5661.14
        ],
        [
          "2026-05-12",
          "ACH debit",
          "PROGRESSIVE *INSURANCE PPD",
          -96.4,
          5564.74
        ],
        [
          "2026-05-13",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2187,
          7751.74
        ],
        [
          "2026-05-13",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -54.69,
          7697.05
        ],
        [
          "2026-05-13",
          "P2P sent",
          "P2P SENT TO D. NGUYEN",
          -65,
          7632.05
        ],
        [
          "2026-05-14",
          "card purchase",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          7616.56
        ],
        [
          "2026-05-14",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          7496.56
        ],
        [
          "2026-05-15",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -60,
          7436.56
        ],
        [
          "2026-05-16",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -90.05,
          7346.51
        ],
        [
          "2026-05-17",
          "card purchase",
          "SIRIUSXM.COM/ACCT NEW YORK NY",
          -10.99,
          7335.52
        ],
        [
          "2026-05-17",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -39.64,
          7295.88
        ],
        [
          "2026-05-18",
          "ACH debit",
          "AEP OHIO ONLINE PMT PPD",
          -88.4,
          7207.48
        ],
        [
          "2026-05-19",
          "card purchase",
          "AMAZON MKTPL*CJVAHCLHW AMZN.COM/BILL WA",
          -54,
          7153.48
        ],
        [
          "2026-05-20",
          "transfer out",
          "ONLINE TRANSFER TO VISA x7193",
          -1741.15,
          5412.33
        ],
        [
          "2026-05-22",
          "ACH debit",
          "COLUMBIA GAS OH BILLPAY PPD",
          -43.77,
          5368.56
        ],
        [
          "2026-05-22",
          "card purchase",
          "LOWE'S #1158 WESTERVILLE OH",
          -642.17,
          4726.39
        ],
        [
          "2026-05-23",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -72.17,
          4654.22
        ],
        [
          "2026-05-26",
          "ACH debit",
          "VERIZON WIRELESS PAYMENTS PPD",
          -68.42,
          4585.8
        ],
        [
          "2026-05-27",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -47.21,
          4538.59
        ],
        [
          "2026-05-28",
          "card refund",
          "AMAZON.COM REFUND AMZN.COM/BILL WA",
          34.99,
          4573.58
        ],
        [
          "2026-05-28",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          4453.58
        ],
        [
          "2026-05-29",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -43.82,
          4409.76
        ],
        [
          "2026-05-29",
          "card purchase",
          "OLIVE GARDEN #1462 COLUMBUS OH",
          -32.03,
          4377.73
        ],
        [
          "2026-05-29",
          "card purchase",
          "AMAZON MKTPL*GSKWE2NHL AMZN.COM/BILL WA",
          -20.55,
          4357.18
        ],
        [
          "2026-05-30",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -66.65,
          4290.53
        ],
        [
          "2026-06-01",
          "ACH credit",
          "SCHL EMPLOYEES RET SYS BENEFIT PPD",
          2914.36,
          7204.89
        ],
        [
          "2026-06-01",
          "ACH debit",
          "MUTUAL OF OMAHA INS PREMIUM PPD",
          -212.18,
          6992.71
        ],
        [
          "2026-06-01",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -100,
          6892.71
        ],
        [
          "2026-06-03",
          "transfer out",
          "RECURRING TRANSFER TO SAVINGS x8841",
          -500,
          6392.71
        ],
        [
          "2026-06-03",
          "P2P sent",
          "P2P SENT TO A. MARCHETTI",
          -100,
          6292.71
        ],
        [
          "2026-06-05",
          "ACH debit",
          "ST BRENDAN PARISH OLG GIVING WEB",
          -100,
          6192.71
        ],
        [
          "2026-06-06",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -90.37,
          6102.34
        ],
        [
          "2026-06-07",
          "card purchase",
          "OLIVE GARDEN #1462 COLUMBUS OH",
          -12.55,
          6089.79
        ],
        [
          "2026-06-08",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -36.44,
          6053.35
        ],
        [
          "2026-06-09",
          "ACH debit",
          "SPECTRUM SPECTRUM PPD",
          -79.99,
          5973.36
        ],
        [
          "2026-06-09",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -19.07,
          5954.29
        ],
        [
          "2026-06-09",
          "check paid",
          "CHECK #1203",
          -140,
          5814.29
        ],
        [
          "2026-06-10",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2187,
          8001.29
        ],
        [
          "2026-06-10",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -34,
          7967.29
        ],
        [
          "2026-06-11",
          "card purchase",
          "OLIVE GARDEN #1462 COLUMBUS OH",
          -40.79,
          7926.5
        ],
        [
          "2026-06-11",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -37.19,
          7889.31
        ],
        [
          "2026-06-11",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          7769.31
        ],
        [
          "2026-06-12",
          "ACH debit",
          "PROGRESSIVE *INSURANCE PPD",
          -96.4,
          7672.91
        ],
        [
          "2026-06-12",
          "card purchase",
          "SOUTHWEST 5262183390147 DALLAS TX",
          -312.96,
          7359.95
        ],
        [
          "2026-06-13",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -95.75,
          7264.2
        ],
        [
          "2026-06-14",
          "card purchase",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          7248.71
        ],
        [
          "2026-06-16",
          "card purchase",
          "PANERA BREAD #601 WESTERVILLE OH",
          -34.97,
          7213.74
        ],
        [
          "2026-06-17",
          "card purchase",
          "SIRIUSXM.COM/ACCT NEW YORK NY",
          -10.99,
          7202.75
        ],
        [
          "2026-06-17",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -38.87,
          7163.88
        ],
        [
          "2026-06-17",
          "P2P sent",
          "P2P SENT TO D. NGUYEN",
          -65,
          7098.88
        ],
        [
          "2026-06-18",
          "ACH debit",
          "AEP OHIO ONLINE PMT PPD",
          -129.63,
          6969.25
        ],
        [
          "2026-06-19",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -46.87,
          6922.38
        ],
        [
          "2026-06-19",
          "card purchase",
          "AMAZON MKTPL*SFU6D9HX2 AMZN.COM/BILL WA",
          -53.44,
          6868.94
        ],
        [
          "2026-06-19",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -60,
          6808.94
        ],
        [
          "2026-06-20",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -120.17,
          6688.77
        ],
        [
          "2026-06-20",
          "transfer out",
          "ONLINE TRANSFER TO VISA x7193",
          -1808.37,
          4880.4
        ],
        [
          "2026-06-22",
          "ACH debit",
          "COLUMBIA GAS OH BILLPAY PPD",
          -29.4,
          4851
        ],
        [
          "2026-06-24",
          "ACH debit",
          "VERIZON WIRELESS PAYMENTS PPD",
          -68.42,
          4782.58
        ],
        [
          "2026-06-24",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -21.84,
          4760.74
        ],
        [
          "2026-06-24",
          "card purchase",
          "GRAETERS ICE CREAM WESTERVILLE OH",
          -17.45,
          4743.29
        ],
        [
          "2026-06-25",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          4623.29
        ],
        [
          "2026-06-26",
          "ACH debit",
          "CITY OF WESTERVILLE UTIL BILLPAY",
          -68.37,
          4554.92
        ],
        [
          "2026-06-27",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -134.75,
          4420.17
        ],
        [
          "2026-06-27",
          "card purchase",
          "GRAETERS ICE CREAM WESTERVILLE OH",
          -19.52,
          4400.65
        ],
        [
          "2026-06-28",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -32.93,
          4367.72
        ],
        [
          "2026-06-30",
          "card purchase",
          "GRAETERS ICE CREAM WESTERVILLE OH",
          -27.53,
          4340.19
        ],
        [
          "2026-07-01",
          "ACH credit",
          "SCHL EMPLOYEES RET SYS BENEFIT PPD",
          2914.36,
          7254.55
        ],
        [
          "2026-07-01",
          "ACH debit",
          "MUTUAL OF OMAHA INS PREMIUM PPD",
          -212.18,
          7042.37
        ],
        [
          "2026-07-01",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -24.87,
          7017.5
        ],
        [
          "2026-07-02",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x8841",
          -1000,
          6017.5
        ],
        [
          "2026-07-03",
          "card purchase",
          "AMAZON MKTPL*T6J828WF2 AMZN.COM/BILL WA",
          -53.63,
          5963.87
        ],
        [
          "2026-07-03",
          "transfer out",
          "RECURRING TRANSFER TO SAVINGS x8841",
          -500,
          5463.87
        ],
        [
          "2026-07-04",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -65.69,
          5398.18
        ],
        [
          "2026-07-04",
          "card purchase",
          "AMAZON MKTPL*CYYM4VLFJ AMZN.COM/BILL WA",
          -21.58,
          5376.6
        ],
        [
          "2026-07-06",
          "ACH debit",
          "ST BRENDAN PARISH OLG GIVING WEB",
          -100,
          5276.6
        ],
        [
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        ],
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          "2026-07-06",
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          "ATM WDL OUR ATM WESTERVILLE BRANCH",
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        ],
        [
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          "AMAZON MKTPL*K58B2AAG5 AMZN.COM/BILL WA",
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        ],
        [
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          2187,
          7180.42
        ],
        [
          "2026-07-08",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -36.21,
          7144.21
        ],
        [
          "2026-07-09",
          "ACH debit",
          "SPECTRUM SPECTRUM PPD",
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          7064.22
        ],
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          6944.22
        ],
        [
          "2026-07-11",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -97.08,
          6847.14
        ],
        [
          "2026-07-11",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -44.21,
          6802.93
        ],
        [
          "2026-07-13",
          "ACH debit",
          "PROGRESSIVE *INSURANCE PPD",
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          6706.53
        ],
        [
          "2026-07-14",
          "card purchase",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          6691.04
        ],
        [
          "2026-07-15",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -42.02,
          6649.02
        ],
        [
          "2026-07-17",
          "card purchase",
          "SIRIUSXM.COM/ACCT NEW YORK NY",
          -10.99,
          6638.03
        ],
        [
          "2026-07-17",
          "card purchase",
          "BELK #0312 CHARLOTTE NC",
          -84.2,
          6553.83
        ],
        [
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          "ATM WDL OUR ATM WESTERVILLE BRANCH",
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          6493.83
        ],
        [
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          "card purchase",
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          -46.12,
          6447.71
        ],
        [
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          "card purchase",
          "THE CHEESECAKE FACTORY CHARLOTTE NC",
          -62.4,
          6385.31
        ],
        [
          "2026-07-20",
          "ACH debit",
          "AEP OHIO ONLINE PMT PPD",
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          6226.38
        ],
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          4790.42
        ],
        [
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          "card purchase",
          "CMH AIRPORT PARKING COLUMBUS OH",
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          4718.42
        ],
        [
          "2026-07-22",
          "ACH debit",
          "COLUMBIA GAS OH BILLPAY PPD",
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          4694.24
        ],
        [
          "2026-07-22",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
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          4655.36
        ],
        [
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          4535.36
        ],
        [
          "2026-07-24",
          "ACH debit",
          "VERIZON WIRELESS PAYMENTS PPD",
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          4466.94
        ],
        [
          "2026-07-25",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -103.81,
          4363.13
        ],
        [
          "2026-07-26",
          "card purchase",
          "AMAZON MKTPL*LGEPSUWYQ AMZN.COM/BILL WA",
          -69.07,
          4294.06
        ],
        [
          "2026-07-29",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -45.94,
          4248.12
        ],
        [
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          "P2P sent",
          "P2P SENT TO D. NGUYEN",
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          4183.12
        ],
        [
          "2026-07-31",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -32.65,
          4150.47
        ],
        [
          "2026-08-01",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -89.36,
          4061.11
        ],
        [
          "2026-08-01",
          "card purchase",
          "AMAZON MKTPL*H7TWVFX54 AMZN.COM/BILL WA",
          -73.65,
          3987.46
        ],
        [
          "2026-08-03",
          "ACH credit",
          "SCHL EMPLOYEES RET SYS BENEFIT PPD",
          2914.36,
          6901.82
        ],
        [
          "2026-08-03",
          "ACH debit",
          "MUTUAL OF OMAHA INS PREMIUM PPD",
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          6689.64
        ],
        [
          "2026-08-03",
          "transfer out",
          "RECURRING TRANSFER TO SAVINGS x8841",
          -500,
          6189.64
        ],
        [
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          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
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          6089.64
        ],
        [
          "2026-08-05",
          "ACH debit",
          "ST BRENDAN PARISH OLG GIVING WEB",
          -100,
          5989.64
        ],
        [
          "2026-08-05",
          "card purchase",
          "BOB EVANS #022 WESTERVILLE OH",
          -15.26,
          5974.38
        ],
        [
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          5854.38
        ],
        [
          "2026-08-07",
          "check paid",
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          -140,
          5714.38
        ],
        [
          "2026-08-08",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -52.5,
          5661.88
        ],
        [
          "2026-08-09",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -31.01,
          5630.87
        ],
        [
          "2026-08-10",
          "ACH debit",
          "SPECTRUM SPECTRUM PPD",
          -79.99,
          5550.88
        ],
        [
          "2026-08-11",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -30.35,
          5520.53
        ],
        [
          "2026-08-12",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2187,
          7707.53
        ],
        [
          "2026-08-12",
          "ACH debit",
          "PROGRESSIVE *INSURANCE PPD",
          -96.4,
          7611.13
        ],
        [
          "2026-08-14",
          "card purchase",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          7595.64
        ],
        [
          "2026-08-15",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -132.76,
          7462.88
        ],
        [
          "2026-08-15",
          "card purchase",
          "OLIVE GARDEN #1462 COLUMBUS OH",
          -40.6,
          7422.28
        ],
        [
          "2026-08-17",
          "card purchase",
          "SIRIUSXM.COM/ACCT NEW YORK NY",
          -10.99,
          7411.29
        ],
        [
          "2026-08-17",
          "card purchase",
          "AMAZON MKTPL*8LCRYPBYR AMZN.COM/BILL WA",
          -46.6,
          7364.69
        ],
        [
          "2026-08-18",
          "ACH debit",
          "AEP OHIO ONLINE PMT PPD",
          -161.27,
          7203.42
        ],
        [
          "2026-08-18",
          "card purchase",
          "AMAZON MKTPL*KD72WWPJY AMZN.COM/BILL WA",
          -31.44,
          7171.98
        ],
        [
          "2026-08-19",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -18.41,
          7153.57
        ],
        [
          "2026-08-20",
          "transfer out",
          "ONLINE TRANSFER TO VISA x7193",
          -1433.91,
          5719.66
        ],
        [
          "2026-08-20",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
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          5599.66
        ],
        [
          "2026-08-21",
          "P2P sent",
          "P2P SENT TO A. MARCHETTI",
          -200,
          5399.66
        ],
        [
          "2026-08-22",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -109.53,
          5290.13
        ],
        [
          "2026-08-22",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -46.93,
          5243.2
        ],
        [
          "2026-08-22",
          "card purchase",
          "AMAZON MKTPL*B6SWP5ND6 AMZN.COM/BILL WA",
          -59.43,
          5183.77
        ],
        [
          "2026-08-24",
          "ACH debit",
          "COLUMBIA GAS OH BILLPAY PPD",
          -23.96,
          5159.81
        ],
        [
          "2026-08-24",
          "ACH debit",
          "VERIZON WIRELESS PAYMENTS PPD",
          -68.42,
          5091.39
        ],
        [
          "2026-08-24",
          "card purchase",
          "GRAETERS ICE CREAM WESTERVILLE OH",
          -35.77,
          5055.62
        ],
        [
          "2026-08-26",
          "ACH debit",
          "CITY OF WESTERVILLE UTIL BILLPAY",
          -62.51,
          4993.11
        ],
        [
          "2026-08-29",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -95.33,
          4897.78
        ],
        [
          "2026-09-01",
          "ACH credit",
          "SCHL EMPLOYEES RET SYS BENEFIT PPD",
          2914.36,
          7812.14
        ],
        [
          "2026-09-01",
          "ACH debit",
          "MUTUAL OF OMAHA INS PREMIUM PPD",
          -212.18,
          7599.96
        ],
        [
          "2026-09-02",
          "card purchase",
          "BOB EVANS #022 WESTERVILLE OH",
          -18,
          7581.96
        ],
        [
          "2026-09-02",
          "P2P sent",
          "P2P SENT TO D. NGUYEN",
          -65,
          7516.96
        ],
        [
          "2026-09-03",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -43.02,
          7473.94
        ],
        [
          "2026-09-03",
          "transfer out",
          "RECURRING TRANSFER TO SAVINGS x8841",
          -500,
          6973.94
        ],
        [
          "2026-09-03",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          6853.94
        ],
        [
          "2026-09-05",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -86.38,
          6767.56
        ],
        [
          "2026-09-07",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -100,
          6667.56
        ],
        [
          "2026-09-08",
          "ACH debit",
          "ST BRENDAN PARISH OLG GIVING WEB",
          -100,
          6567.56
        ],
        [
          "2026-09-08",
          "check paid",
          "CHECK #1206",
          -140,
          6427.56
        ],
        [
          "2026-09-09",
          "ACH credit",
          "SSA TREAS 310 XXSOC SEC PPD",
          2187,
          8614.56
        ],
        [
          "2026-09-09",
          "ACH debit",
          "SPECTRUM SPECTRUM PPD",
          -79.99,
          8534.57
        ],
        [
          "2026-09-10",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -18.86,
          8515.71
        ],
        [
          "2026-09-11",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -13.92,
          8501.79
        ],
        [
          "2026-09-12",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -114.39,
          8387.4
        ],
        [
          "2026-09-13",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -46.75,
          8340.65
        ],
        [
          "2026-09-14",
          "ACH debit",
          "PROGRESSIVE *INSURANCE PPD",
          -96.4,
          8244.25
        ],
        [
          "2026-09-14",
          "card purchase",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          8228.76
        ],
        [
          "2026-09-15",
          "card purchase",
          "BOB EVANS #022 WESTERVILLE OH",
          -37.91,
          8190.85
        ],
        [
          "2026-09-16",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -35.12,
          8155.73
        ],
        [
          "2026-09-16",
          "card purchase",
          "AMAZON MKTPL*3UP24DVC6 AMZN.COM/BILL WA",
          -44.55,
          8111.18
        ],
        [
          "2026-09-17",
          "card purchase",
          "SIRIUSXM.COM/ACCT NEW YORK NY",
          -10.99,
          8100.19
        ],
        [
          "2026-09-17",
          "P2P sent",
          "P2P SENT TO K. ROMERO",
          -120,
          7980.19
        ],
        [
          "2026-09-18",
          "ACH debit",
          "AEP OHIO ONLINE PMT PPD",
          -121.85,
          7858.34
        ],
        [
          "2026-09-18",
          "card purchase",
          "PANERA BREAD #601 WESTERVILLE OH",
          -13.68,
          7844.66
        ],
        [
          "2026-09-18",
          "ATM withdrawal",
          "ATM WDL OUR ATM WESTERVILLE BRANCH",
          -60,
          7784.66
        ],
        [
          "2026-09-19",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -96.97,
          7687.69
        ],
        [
          "2026-09-20",
          "transfer out",
          "ONLINE TRANSFER TO VISA x7193",
          -1422.13,
          6265.56
        ],
        [
          "2026-09-22",
          "ACH debit",
          "COLUMBIA GAS OH BILLPAY PPD",
          -27.51,
          6238.05
        ],
        [
          "2026-09-22",
          "card purchase",
          "AMAZON MKTPL*BREKARCAV AMZN.COM/BILL WA",
          -77.39,
          6160.66
        ],
        [
          "2026-09-23",
          "card purchase",
          "ALDI 71052 WESTERVILLE OH",
          -43.42,
          6117.24
        ],
        [
          "2026-09-23",
          "card purchase",
          "SPEEDWAY 04412 WESTERVILLE OH",
          -48.09,
          6069.15
        ],
        [
          "2026-09-23",
          "card purchase",
          "OLIVE GARDEN #1462 COLUMBUS OH",
          -24.35,
          6044.8
        ],
        [
          "2026-09-24",
          "ACH debit",
          "VERIZON WIRELESS PAYMENTS PPD",
          -68.42,
          5976.38
        ],
        [
          "2026-09-25",
          "card purchase",
          "AMAZON MKTPL*CZL9WGU57 AMZN.COM/BILL WA",
          -48.42,
          5927.96
        ],
        [
          "2026-09-26",
          "card purchase",
          "KROGER #547 WESTERVILLE OH",
          -85.16,
          5842.8
        ],
        [
          "2026-09-28",
          "P2P sent",
          "P2P SENT TO M. FERRANTE",
          -2400,
          3442.8
        ],
        [
          "2026-09-28",
          "transfer in",
          "ONLINE TRANSFER FROM SAVINGS x8841",
          8000,
          11442.8
        ],
        [
          "2026-09-28",
          "wire out",
          "OUTGOING WIRE RIDGELINE ASSET CUSTODY LLC",
          -8400,
          3042.8
        ],
        [
          "2026-09-28",
          "fee",
          "OUTGOING DOMESTIC WIRE FEE",
          -25,
          3017.8
        ],
        [
          "2026-09-30",
          "card purchase",
          "CVS/PHARMACY #06021 WESTERVILLE OH",
          -14.27,
          3003.53
        ],
        [
          "2026-10-01",
          "ACH credit",
          "SCHL EMPLOYEES RET SYS BENEFIT PPD",
          2914.36,
          5917.89
        ],
        [
          "2026-10-01",
          "ACH debit",
          "MUTUAL OF OMAHA INS PREMIUM PPD",
          -212.18,
          5705.71
        ]
      ]
    },
    "savings_x8841_history": {
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-04-03",
          "transfer in",
          "RECURRING TRANSFER FROM CHECKING x3306",
          500,
          19374.06
        ],
        [
          "2026-04-30",
          "dividend",
          "DIVIDEND",
          4.39,
          19378.45
        ],
        [
          "2026-05-03",
          "transfer in",
          "RECURRING TRANSFER FROM CHECKING x3306",
          500,
          19878.45
        ],
        [
          "2026-05-31",
          "dividend",
          "DIVIDEND",
          4.25,
          19882.7
        ],
        [
          "2026-06-03",
          "transfer in",
          "RECURRING TRANSFER FROM CHECKING x3306",
          500,
          20382.7
        ],
        [
          "2026-06-30",
          "dividend",
          "DIVIDEND",
          4.57,
          20387.27
        ],
        [
          "2026-07-02",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x3306",
          1000,
          21387.27
        ],
        [
          "2026-07-03",
          "transfer in",
          "RECURRING TRANSFER FROM CHECKING x3306",
          500,
          21887.27
        ],
        [
          "2026-07-31",
          "dividend",
          "DIVIDEND",
          4.47,
          21891.74
        ],
        [
          "2026-08-03",
          "transfer in",
          "RECURRING TRANSFER FROM CHECKING x3306",
          500,
          22391.74
        ],
        [
          "2026-08-31",
          "dividend",
          "DIVIDEND",
          4.58,
          22396.32
        ],
        [
          "2026-09-03",
          "transfer in",
          "RECURRING TRANSFER FROM CHECKING x3306",
          500,
          22896.32
        ],
        [
          "2026-09-28",
          "transfer out",
          "ONLINE TRANSFER TO CHECKING x3306",
          -8000,
          14896.32
        ],
        [
          "2026-09-30",
          "dividend",
          "DIVIDEND",
          4.34,
          14900.66
        ]
      ]
    },
    "p2p_recipients": {
      "columns": [
        "recipient",
        "token",
        "added",
        "payments",
        "total_usd",
        "last_paid"
      ],
      "rows": [
        [
          "A. Marchetti (daughter)",
          "phone x2290",
          "2021-06-20",
          14,
          1850,
          "2026-08-21"
        ],
        [
          "K. Romero",
          "email k***@example.com",
          "2022-03-02",
          101,
          12120,
          "2026-09-24"
        ],
        [
          "D. Nguyen",
          "phone x6618",
          "2023-01-14",
          31,
          1985,
          "2026-09-02"
        ],
        [
          "M. Ferrante",
          "phone x4471",
          "2026-09-28",
          1,
          2400,
          "2026-09-28"
        ]
      ]
    },
    "wire_history": [
      {
        "date": "2019-07-22",
        "direction": "outgoing",
        "amount_usd": 18500,
        "beneficiary": "Title company, Columbus OH",
        "purpose": "Condo purchase closing",
        "channel": "Branch"
      }
    ],
    "digital_banking_sessions_90_days": {
      "columns": [
        "start",
        "device",
        "ip",
        "network",
        "sign_in",
        "activity"
      ],
      "rows": [
        [
          "2026-07-02T09:14:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "moved $1,000.00 checking to savings"
        ],
        [
          "2026-07-06T07:19:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed Visa x7193 activity"
        ],
        [
          "2026-07-09T07:56:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $120.00 to K. Romero"
        ],
        [
          "2026-07-12T20:31:00-04:00",
          "iPad 8th gen app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "passcode",
          "viewed checking activity"
        ],
        [
          "2026-07-15T08:34:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed Visa x7193 activity"
        ],
        [
          "2026-07-16T07:04:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.150",
          "Residential cable, Charlotte NC",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-07-20T07:35:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.150",
          "Residential cable, Charlotte NC",
          "Face ID",
          "paid Visa x7193 $1,435.96"
        ],
        [
          "2026-07-21T09:17:00-04:00",
          "iPhone 13 app (trusted)",
          "192.0.2.203",
          "Mobile carrier, Charlotte NC",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-07-22T07:15:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-07-23T10:39:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $120.00 to K. Romero"
        ],
        [
          "2026-07-26T10:54:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-07-29T10:54:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $65.00 to D. Nguyen"
        ],
        [
          "2026-07-31T09:06:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed Visa x7193 activity"
        ],
        [
          "2026-08-03T07:44:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-06T09:52:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $120.00 to K. Romero"
        ],
        [
          "2026-08-08T09:06:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-08-09T09:52:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed Visa x7193 activity"
        ],
        [
          "2026-08-11T08:52:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "password failed 3 times; locked",
          "none"
        ],
        [
          "2026-08-11T09:12:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "forgot-password flow; SMS code entered; password changed",
          "viewed balances"
        ],
        [
          "2026-08-14T09:12:00-04:00",
          "iPhone 13 app (trusted)",
          "192.0.2.141",
          "Mobile carrier, Columbus OH area",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-16T07:33:00-04:00",
          "iPhone 13 app (trusted)",
          "192.0.2.141",
          "Mobile carrier, Columbus OH area",
          "Face ID",
          "viewed Visa x7193 activity"
        ],
        [
          "2026-08-18T07:08:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-08-20T08:08:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "paid Visa x7193 $1,433.91; sent P2P $120.00 to K. Romero"
        ],
        [
          "2026-08-21T10:39:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $200.00 to A. Marchetti"
        ],
        [
          "2026-08-23T09:09:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-08-23T19:43:00-04:00",
          "iPad 8th gen app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "passcode",
          "viewed checking activity"
        ],
        [
          "2026-08-26T09:14:00-04:00",
          "iPhone 13 app (trusted)",
          "192.0.2.141",
          "Mobile carrier, Columbus OH area",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-29T08:02:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-29T21:26:00-04:00",
          "iPad 8th gen app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "passcode",
          "viewed checking activity"
        ],
        [
          "2026-08-30T07:21:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-08-30T21:02:00-04:00",
          "iPad 8th gen app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "passcode",
          "viewed checking activity"
        ],
        [
          "2026-08-31T09:12:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-09-02T07:30:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $65.00 to D. Nguyen"
        ],
        [
          "2026-09-03T07:59:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $120.00 to K. Romero"
        ],
        [
          "2026-09-06T10:46:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-09-10T07:09:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed Visa x7193 activity"
        ],
        [
          "2026-09-12T10:32:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-09-14T08:18:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-15T07:13:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-09-17T08:07:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "sent P2P $120.00 to K. Romero"
        ],
        [
          "2026-09-20T09:47:00-04:00",
          "iPhone 13 app (trusted)",
          "192.0.2.141",
          "Mobile carrier, Columbus OH area",
          "Face ID",
          "paid Visa x7193 $1,422.13"
        ],
        [
          "2026-09-22T08:21:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-24T07:21:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-25T09:13:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-09-26T10:32:00-04:00",
          "iPhone 13 app (trusted)",
          "192.0.2.141",
          "Mobile carrier, Columbus OH area",
          "Face ID",
          "viewed Visa x7193 activity"
        ],
        [
          "2026-09-27T19:46:31-04:00",
          "Windows 10, Chrome 128 browser (new)",
          "198.51.100.62",
          "Hosting provider, Ashburn VA",
          "password correct; new-device code sent, not entered",
          "abandoned 19:51"
        ],
        [
          "2026-09-28T11:04:05-04:00",
          "Android 14, Chrome Mobile 129 browser (new)",
          "198.51.100.62",
          "Hosting provider, Ashburn VA",
          "password correct; new-device code entered",
          "tried to add a phone number (blocked); added P2P recipient M. Ferrante; sent P2P $2,400.00; second P2P $2,500.00 declined (daily limit)"
        ],
        [
          "2026-09-28T11:29:47-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed P2P activity; moved $8,000.00 savings to checking"
        ],
        [
          "2026-09-28T15:02:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-09-30T11:20:00-04:00",
          "iPhone 13 app (trusted)",
          "203.0.113.18",
          "Residential cable, Westerville OH",
          "new password set with fraud team; Face ID re-enrolled",
          "viewed balances"
        ]
      ]
    },
    "rule_hits_12_months": [
      {
        "ts": "2026-07-17T13:02:00-04:00",
        "rule": "CARD-OUT-OF-REGION",
        "item": "BELK #0312 CHARLOTTE NC $84.20",
        "action": "Verification text; member replied YES; approved"
      },
      {
        "ts": "2026-09-27T19:46:31-04:00",
        "rule": "DB-NEW-DEVICE-HOSTING-IP",
        "item": "Sign-in attempt",
        "action": "New-device code required; not entered; informational only"
      },
      {
        "ts": "2026-09-28T11:04:05-04:00",
        "rule": "DB-NEW-DEVICE-HOSTING-IP",
        "item": "Sign-in",
        "action": "Code entered; session allowed; score 640, below the 700 review threshold"
      },
      {
        "ts": "2026-09-28T11:08:41-04:00",
        "rule": "P2P-REALTIME-RISK",
        "item": "P2P $2,400.00 to M. Ferrante",
        "action": "Score 812/999 (new device, new recipient, hosting network); step-up code passed; released"
      },
      {
        "ts": "2026-09-28T13:07:00-04:00",
        "rule": "WIRE-ELDER-THIRD-PARTY",
        "item": "Wire $8,400.00 to Ridgeline Asset Custody LLC",
        "action": "Member 65+, first wire in 24 months, beneficiary name does not match member: branch manager review required; completed and released by manager"
      }
    ],
    "contact_center_history": [
      {
        "ts": "2026-06-02T10:41:00-04:00",
        "channel": "Inbound call",
        "summary": "Member set a travel note for Charlotte, NC, 2026-07-16 to 2026-07-21."
      },
      {
        "ts": "2026-08-11T09:05:00-04:00",
        "channel": "Inbound call",
        "summary": "Member locked out of the app after three wrong passwords. Agent verified her and walked her through the forgot-password flow on her iPhone."
      },
      {
        "ts": "2026-09-29T09:14:00-04:00",
        "channel": "Inbound call to the number on her card",
        "summary": "Claim intake (recording summarized): member reports a caller from 'the fraud department' who had her move savings and wire it to a 'holding account'; she now believes it was a scam. Agent locked digital banking, cancelled the Android session, put a hold on P2P, and opened the claim. Member upset and apologetic; says she 'did everything he said'."
      }
    ],
    "outbound_contact_check": "No calls, texts or emails from our contact center, fraud team or branches to the member between 2026-09-01 and 2026-09-29, other than automated code texts and the 2026-07-17 card verification text.",
    "brand_protection_alert": "Our brand-protection vendor found a copy of our sign-in page on a lookalike domain registered 2026-09-25 (not ours). Seven members reported texts linking to it on 2026-09-27 and 2026-09-28. Takedown completed 2026-09-29T16:40:00-04:00.",
    "prior_claims": [
      {
        "opened": "2023-05-18",
        "type": "Card dispute",
        "detail": "Duplicate restaurant charge, $86.40",
        "outcome": "Merchant credited"
      }
    ],
    "prior_scam_reimbursements": "None",
    "event_timeline": [
      {
        "ts": "2026-09-27T19:46:31-04:00",
        "event": "Sign-in attempt from a new Windows device, hosting IP 198.51.100.62 (Ashburn VA); password correct on first try; new-device code sent by SMS; not entered; abandoned 19:51"
      },
      {
        "ts": "2026-09-28T11:03:12-04:00",
        "event": "Code text sent: 'Your sign-in code is ******. Use it only to sign in on a new device. We will never call to ask for this code.'"
      },
      {
        "ts": "2026-09-28T11:04:05-04:00",
        "event": "Sign-in from a new Android device, same hosting IP; password correct; code entered 53 seconds after it was sent"
      },
      {
        "ts": "2026-09-28T11:05:20-04:00",
        "event": "Attempt to add a second mobile number to the profile; blocked (contact changes from a new device need a call-in verification)"
      },
      {
        "ts": "2026-09-28T11:06:44-04:00",
        "event": "P2P recipient added: M. Ferrante, phone token x4471. Network: token enrolled 2026-09-24 at a national bank; no earlier payments from our members"
      },
      {
        "ts": "2026-09-28T11:07:58-04:00",
        "event": "Code text sent: 'Your code to send $2,400.00 to M. Ferrante is ******. Never share this code, not even with us.'"
      },
      {
        "ts": "2026-09-28T11:08:41-04:00",
        "event": "P2P-55203 sent: $2,400.00 to M. Ferrante"
      },
      {
        "ts": "2026-09-28T11:09:30-04:00",
        "event": "Second P2P, $2,500.00 to M. Ferrante, declined: over the daily P2P limit"
      },
      {
        "ts": "2026-09-28T11:10:02-04:00",
        "event": "Android session signed out"
      },
      {
        "ts": "2026-09-28T11:29:47-04:00",
        "event": "Sign-in from the member's trusted iPhone, home IP, Face ID"
      },
      {
        "ts": "2026-09-28T11:31:10-04:00",
        "event": "Online transfer $8,000.00 savings x8841 to checking x3306, from the trusted iPhone"
      },
      {
        "ts": "2026-09-28T12:52:00-04:00",
        "event": "Member checked in at the Westerville branch queue"
      },
      {
        "ts": "2026-09-28T13:07:00-04:00",
        "event": "Wire request WIRE-20260928-0042 started at the teller line"
      },
      {
        "ts": "2026-09-28T13:18:00-04:00",
        "event": "Branch manager review (to 13:31)"
      },
      {
        "ts": "2026-09-28T13:39:12-04:00",
        "event": "WIRE-20260928-0042 released: $8,400.00"
      },
      {
        "ts": "2026-09-29T09:14:00-04:00",
        "event": "Member called the number on her card; claim opened 09:21"
      },
      {
        "ts": "2026-09-29T09:26:00-04:00",
        "event": "Digital banking locked; Android device removed; P2P on hold"
      },
      {
        "ts": "2026-09-29T09:41:00-04:00",
        "event": "Wire recall request sent to the beneficiary bank"
      },
      {
        "ts": "2026-09-29T10:05:00-04:00",
        "event": "Fraud report filed with the P2P network for P2P-55203"
      },
      {
        "ts": "2026-09-30T10:30:00-04:00",
        "event": "Investigator interview with the member by phone"
      },
      {
        "ts": "2026-10-01T14:12:00-04:00",
        "event": "Beneficiary bank replied to the recall"
      }
    ],
    "member_statement": "Recorded at intake on 2026-09-29: \"Sunday night I got a text that said my credit union account was suspended because of an unusual sign-in, with a link. I tapped it and put in my username and password, and the page just kept spinning. Monday about eleven a man called, and my phone said it was the credit union. He said he was Kevin in the fraud department and he knew my name and that I have checking and savings. He said someone was trying to get into my account and a code would come to my phone to prove it was me, and I read it to him. Then he said the hacker had sent $2,400 and another code would come to cancel it, so I read that one too. He said the hacker still had my login and my savings weren't safe, and the security team had opened a holding account at a partner bank where my money would be protected. He kept saying it had to be done today, before the hacker emptied my savings, and that if I hung up he couldn't stop it. He had me move $8,000 from savings into checking on my phone and go to the branch to wire it. He said not to tell them about the fraud department because somebody at my branch might be involved, and to say it was my own new account. He stayed on the phone the whole time; I had my earbuds in. He said a case officer would call me Tuesday morning with my new account number. Nobody called and his number just rings, so I called the number on my card.\"",
    "investigator_notes": "Interview 2026-09-30 by phone. Member repeated the account above without changes. She showed a screenshot of her call log: incoming call 10:57 a.m. Monday, 1 h 52 min, displayed as our main number; our telephony shows no outbound call to her. She confirms she entered her username and password on the page from the text on Sunday evening and read both codes aloud. She did not install any app and nobody saw her screen. She has never heard of Ridgeline Asset Custody or M. Ferrante. She says she told the teller and the manager it was her own account because the caller said to, and that he was listening through her earbuds. No family member involved. Member is clear and consistent; no sign of confusion beyond the event.",
    "branch_records": {
      "teller_note": "Member asked to wire $8,400 to 'my new account at another bank'. Beneficiary on the instructions she read from her phone is Ridgeline Asset Custody LLC, not in her name; she said it is 'the company that holds the account'. Asked whether anyone had contacted her or asked her to move money: she said no. She had earbuds in and a call running on her phone, and said it was her daughter. Referred to the branch manager under the third-party wire procedure.",
      "manager_note": "Spoke with member 13:18 to 13:31. Explained bank impostor scams and that we never ask members to move money to protect it. Member said she understood, that nobody had asked her to move money, and that she was moving funds to a higher-yield account. ID verified (Ohio driver's license). Member signed the wire scam warning acknowledgment. Released."
    },
    "recovery": {
      "wire_recall": "Requested 2026-09-29 09:41. Beneficiary bank replied 2026-10-01 14:12: the funds were wired out of the beneficiary account on 2026-09-28 at 15:20 Central; $0.00 remaining; account restricted.",
      "p2p_fraud_report": "Filed 2026-09-29 10:05; receiving bank has not replied."
    },
    "claim": {
      "claim_id": "CLM-2026-09-0611",
      "opened": "2026-09-29T09:21:00-04:00",
      "reported_by": "Member, by phone to the number on her card",
      "review_requested": "2026-10-02T09:30:00-04:00",
      "payments_in_claim": [
        {
          "payment_id": "P2P-55203",
          "type": "P2P transfer (bank network)",
          "amount_usd": 2400,
          "sent": "2026-09-28T11:08:41-04:00",
          "from_account": "checking x3306",
          "to": "M. Ferrante, phone token x4471, first payment to this recipient",
          "initiated_from": "Android 14, Chrome Mobile, first seen 2026-09-28 11:04, hosting IP 198.51.100.62",
          "authentication": "Password correct; new-device code and new-recipient payment code, both sent by SMS to the phone on file, entered correctly"
        },
        {
          "payment_id": "WIRE-20260928-0042",
          "type": "Outgoing domestic wire (Fedwire)",
          "amount_usd": 8400,
          "fee_usd": 25,
          "sent": "2026-09-28T13:39:12-04:00",
          "from_account": "checking x3306",
          "beneficiary": "Ridgeline Asset Custody LLC, account x5512, Houston TX",
          "beneficiary_bank": "A commercial bank in Houston, TX (routing xxxxx0193)",
          "originator_to_beneficiary_info": "OWN FUNDS TRANSFER",
          "stated_purpose": "Transfer to own account at another bank",
          "initiated_from": "In person at the Westerville branch; Ohio driver's license verified; member signed the wire request and the scam warning acknowledgment; manager review completed",
          "funded_by": "$8,000.00 moved from savings x8841 at 11:31 the same day"
        }
      ],
      "payment_under_review": "WIRE-20260928-0042"
    }
  },
  "questions": {
    "fraud_classifier": {
      "type": "choice",
      "instructions": "Using the Federal Reserve's FraudClassifier model, how should the payment under review be classified? An authorized party is someone with the right to initiate the payment; an unauthorized party is someone without that right.",
      "criteria": {
        "manipulated_products_services": "Authorized party was manipulated: products and services fraud (paid for goods or services that were never delivered or were grossly inferior)",
        "manipulated_relationship_trust": "Authorized party was manipulated: relationship and trust fraud (sent money to a trusted party, or an impostor posing as one, with no goods or services expected in return)",
        "acted_embezzlement": "Authorized party acted fraudulently: embezzlement (misused funds placed in their trust or belonging to their employer)",
        "acted_false_claim": "Authorized party acted fraudulently: false claim (lied to receive a payment or avoid a payment obligation)",
        "acted_synthetic_id": "Authorized party acted fraudulently: synthetic identity (used a fabricated identity built from real and invented personal information)",
        "modified_compromised_credentials": "Unauthorized party modified the payment information after initiation, using stolen login credentials",
        "modified_impersonation": "Unauthorized party modified the payment information after initiation, by impersonating the authorized party without their login credentials",
        "modified_physical_alteration": "Unauthorized party modified the payment information after initiation, by altering a physical payment instrument such as a check",
        "takeover_compromised_credentials": "Unauthorized party took over the account using stolen login credentials, and initiated the payment",
        "takeover_impersonation": "Unauthorized party took over the account by impersonating the authorized party without their login credentials, and initiated the payment",
        "misused_digital": "Unauthorized party, without control of the account, used legitimate account information to initiate an electronic payment",
        "misused_physical_counterfeit": "Unauthorized party used a forged or counterfeit physical payment instrument",
        "not_fraud": "Not fraud: the account holder made the payment without being deceived"
      }
    },
    "scam_type": {
      "type": "choice",
      "instructions": "Using the Federal Reserve's ScamClassifier model, which scam type is this case? A scam is the use of deception or manipulation intended to achieve financial gain, whether the account holder sent the money or let someone else into the account.",
      "criteria": {
        "merchandise": "Merchandise: paid for goods that were never delivered or were substantially different from what was advertised",
        "investment": "Investment: invested in a financial asset on false promises of a high return",
        "property_sale_rental": "Property sale or rental: paid for a home, apartment or property that was fictitious, unavailable or not owned by the seller",
        "romance_impostor": "Romance impostor: a fictitious online identity built a romantic or friendly relationship, then asked for money",
        "government_impostor": "Government impostor: someone posed as a government agency, law enforcement or a court",
        "bank_impostor": "Bank impostor: someone posed as a financial institution, its fraud department or its staff",
        "business_impostor": "Business impostor: someone posed as a legitimate business or brand, such as tech support, a utility or an employer",
        "relative_family_friend": "Relative, family or friend: someone posed as a relative or friend, or someone acting for one, with a false emergency",
        "other_trusted_party": "Other trusted party: someone posed in another role, such as a charity, to ask for money on a false expectation",
        "not_scam": "Not a scam: no one deceived or manipulated the account holder"
      }
    },
    "contributing_factors": {
      "type": "multi_choice",
      "instructions": "Which of these happened in this case?",
      "criteria": {
        "unsolicited_contact": "Someone contacted the customer first, by call, text, email or message, and that contact led to the payments",
        "credentials_phished": "The customer entered or gave their online banking password somewhere other than the institution's own app or website",
        "code_shared": "The customer gave a one-time passcode or security code to another person",
        "remote_access": "The customer installed or allowed remote-access software on their device",
        "new_device": "A device the customer had never used signed in to the account",
        "new_recipient": "Money went to a recipient the customer had never paid before",
        "coached": "The customer was told to mislead the institution's staff or hide the real reason for a payment",
        "pressure": "The customer was pressured into making the payments, with urgency or a threat such as losing their money, arrest or a deadline"
      }
    },
    "reimburse": {
      "type": "noul",
      "instructions": "Under the law and any reimbursement policy stated in this case, should the institution reimburse the customer for the payment under review?"
    }
  }
}