{
  "model": "grayson-1",
  "state": {
    "member": {
      "member_id": "M-0213077",
      "name": "Gregory Haldane",
      "age": 48,
      "member_since": "2014-05-20",
      "employment": "Self-employed architectural illustrator (sole proprietor); income is client payments by ACH and check",
      "address": "Denver, CO; unchanged since 2019",
      "mobile_phone_on_file": "720-555-0163, last changed 2018-02-27",
      "email_on_file": "ghaldane@example.net, last changed 2014-05-20",
      "digital_banking": "Enrolled 2014-05-20. Online banking on a trusted MacBook and the mobile app on a trusted iPhone. One-time codes by SMS to the mobile phone on file.",
      "p2p": "Not enrolled",
      "alerts": "Card verification texts on; low-balance alert at $1,000",
      "account_nicknames": {
        "savings x6034": "Tax reserve"
      }
    },
    "accounts": {
      "columns": [
        "account",
        "type",
        "opened",
        "balance_usd_2026-10-06"
      ],
      "rows": [
        [
          "x5120",
          "checking",
          "2014-05-20",
          9992.44
        ],
        [
          "x6034",
          "savings (nickname 'Tax reserve')",
          "2019-01-08",
          11866.59
        ],
        [
          "x7781",
          "auto loan, $412.36 monthly by transfer",
          "2024-06-11",
          13906.42
        ]
      ]
    },
    "devices": {
      "columns": [
        "device",
        "first_seen",
        "trusted",
        "last_seen"
      ],
      "rows": [
        [
          "MacBook Pro, Safari",
          "2022-09-14",
          true,
          "2026-10-03"
        ],
        [
          "iPhone 15, app",
          "2023-10-02",
          true,
          "2026-10-05"
        ]
      ]
    },
    "checking_x5120_history": {
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
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          "2026-04-01",
          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.62,
          2733.9
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        [
          "2026-04-01",
          "card purchase",
          "WHOLE FOODS MKT #10215 DENVER CO",
          -48.89,
          2685.01
        ],
        [
          "2026-04-02",
          "ACH debit",
          "KAISER PERMANENTE CO PREMIUM PPD",
          -612.4,
          2072.61
        ],
        [
          "2026-04-02",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -42.43,
          2030.18
        ],
        [
          "2026-04-03",
          "ACH credit",
          "HARTWELL PIKE ARCH PAYABLES CCD",
          5840,
          7870.18
        ],
        [
          "2026-04-03",
          "card purchase",
          "ADOBE *ADOBE SAN JOSE CA",
          -59.99,
          7810.19
        ],
        [
          "2026-04-03",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -8.19,
          7802
        ],
        [
          "2026-04-03",
          "card purchase",
          "SNOOZE AN AM EATERY DENVER CO",
          -39.35,
          7762.65
        ],
        [
          "2026-04-04",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -48.43,
          7714.22
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        [
          "2026-04-04",
          "card purchase",
          "FEDEX OFFIC40117 DENVER CO",
          -59.96,
          7654.26
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        [
          "2026-04-05",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -77.84,
          7576.42
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        [
          "2026-04-06",
          "ACH debit",
          "COMCAST XFINITY PPD",
          -89.99,
          7486.43
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        [
          "2026-04-06",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -7.12,
          7479.31
        ],
        [
          "2026-04-06",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -1450,
          6029.31
        ],
        [
          "2026-04-07",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -7.94,
          6021.37
        ],
        [
          "2026-04-08",
          "card purchase",
          "GOOGLE *GSUITE_HALDANE CC@GOOGLE.COM CA",
          -14.4,
          6006.97
        ],
        [
          "2026-04-09",
          "ACH debit",
          "GEICO AUTO PPD",
          -118.3,
          5888.67
        ],
        [
          "2026-04-09",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -5.77,
          5882.9
        ],
        [
          "2026-04-10",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -38.39,
          5844.51
        ],
        [
          "2026-04-11",
          "card purchase",
          "DROPBOX*2K4J8 SAN FRANCISCO CA",
          -11.99,
          5832.52
        ],
        [
          "2026-04-12",
          "card purchase",
          "CHEWY.COM DANIA BEACH FL",
          -64.18,
          5768.34
        ],
        [
          "2026-04-13",
          "transfer in",
          "ONLINE TRANSFER FROM SAVINGS x6034",
          5600,
          11368.34
        ],
        [
          "2026-04-15",
          "ACH debit",
          "VANGUARD BUY INVESTMENT PPD",
          -500,
          10868.34
        ],
        [
          "2026-04-15",
          "ACH debit",
          "IRS USATAXPYMT PPD",
          -1318,
          9550.34
        ],
        [
          "2026-04-15",
          "ACH debit",
          "IRS USATAXPYMT PPD",
          -4200,
          5350.34
        ],
        [
          "2026-04-15",
          "ACH debit",
          "CO DEPT REVENUE TAX PYMT WEB",
          -910,
          4440.34
        ],
        [
          "2026-04-15",
          "card purchase",
          "CHIPOTLE 1840 DENVER CO",
          -29.53,
          4410.81
        ],
        [
          "2026-04-16",
          "card purchase",
          "USPS PO 0712345 DENVER CO",
          -49.7,
          4361.11
        ],
        [
          "2026-04-17",
          "ACH credit",
          "MESA RIDGE DEV LLC ACH PMT CCD",
          3275,
          7636.11
        ],
        [
          "2026-04-17",
          "card purchase",
          "PLANET FITNESS CLUB FEES",
          -24.99,
          7611.12
        ],
        [
          "2026-04-18",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -52.42,
          7558.7
        ],
        [
          "2026-04-18",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -45.94,
          7512.76
        ],
        [
          "2026-04-20",
          "ACH debit",
          "T-MOBILE PCS SVC PPD",
          -95,
          7417.76
        ],
        [
          "2026-04-20",
          "ACH debit",
          "XCEL ENERGY-PSCO XCELENERGY PPD",
          -96.4,
          7321.36
        ],
        [
          "2026-04-20",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -800,
          6521.36
        ],
        [
          "2026-04-22",
          "card purchase",
          "WHOLE FOODS MKT #10215 DENVER CO",
          -64.01,
          6457.35
        ],
        [
          "2026-04-25",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -139.23,
          6318.12
        ],
        [
          "2026-04-25",
          "transfer out",
          "AUTO TRANSFER TO LOAN x7781",
          -412.36,
          5905.76
        ],
        [
          "2026-04-26",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -119.54,
          5786.22
        ],
        [
          "2026-04-27",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -60.73,
          5725.49
        ],
        [
          "2026-04-28",
          "ACH debit",
          "CHASE CREDIT CRD AUTOPAY PPD",
          -1476.02,
          4249.47
        ],
        [
          "2026-04-28",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -5.97,
          4243.5
        ],
        [
          "2026-04-29",
          "ACH credit",
          "LUMEN STUDIO LLC VENDOR PAY CCD",
          1960,
          6203.5
        ],
        [
          "2026-04-29",
          "card purchase",
          "WHOLE FOODS MKT #10215 DENVER CO",
          -41.75,
          6161.75
        ],
        [
          "2026-04-30",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -500,
          5661.75
        ],
        [
          "2026-05-01",
          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.62,
          3477.13
        ],
        [
          "2026-05-03",
          "card purchase",
          "ADOBE *ADOBE SAN JOSE CA",
          -59.99,
          3417.14
        ],
        [
          "2026-05-04",
          "ACH debit",
          "KAISER PERMANENTE CO PREMIUM PPD",
          -612.4,
          2804.74
        ],
        [
          "2026-05-05",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -7.46,
          2797.28
        ],
        [
          "2026-05-06",
          "ACH debit",
          "COMCAST XFINITY PPD",
          -89.99,
          2707.29
        ],
        [
          "2026-05-06",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.97,
          2700.32
        ],
        [
          "2026-05-07",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.15,
          2694.17
        ],
        [
          "2026-05-08",
          "ACH credit",
          "HARTWELL PIKE ARCH PAYABLES CCD",
          4410,
          7104.17
        ],
        [
          "2026-05-08",
          "card purchase",
          "GOOGLE *GSUITE_HALDANE CC@GOOGLE.COM CA",
          -14.4,
          7089.77
        ],
        [
          "2026-05-08",
          "card purchase",
          "THE HOME DEPOT #1503 DENVER CO",
          -33.48,
          7056.29
        ],
        [
          "2026-05-09",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -46.01,
          7010.28
        ],
        [
          "2026-05-09",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -60.93,
          6949.35
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        [
          "2026-05-11",
          "ACH debit",
          "GEICO AUTO PPD",
          -118.3,
          6831.05
        ],
        [
          "2026-05-11",
          "card purchase",
          "DROPBOX*2K4J8 SAN FRANCISCO CA",
          -11.99,
          6819.06
        ],
        [
          "2026-05-11",
          "card purchase",
          "CHIPOTLE 1840 DENVER CO",
          -35.06,
          6784
        ],
        [
          "2026-05-11",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -1100,
          5684
        ],
        [
          "2026-05-12",
          "card purchase",
          "CHEWY.COM DANIA BEACH FL",
          -64.18,
          5619.82
        ],
        [
          "2026-05-12",
          "card purchase",
          "SNOOZE AN AM EATERY DENVER CO",
          -36.37,
          5583.45
        ],
        [
          "2026-05-13",
          "card purchase",
          "TRADER JOE'S #301 DENVER CO",
          -46.29,
          5537.16
        ],
        [
          "2026-05-15",
          "mobile deposit",
          "MOBILE DEPOSIT",
          1150,
          6687.16
        ],
        [
          "2026-05-15",
          "ACH debit",
          "VANGUARD BUY INVESTMENT PPD",
          -500,
          6187.16
        ],
        [
          "2026-05-15",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.36,
          6180.8
        ],
        [
          "2026-05-16",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -69.95,
          6110.85
        ],
        [
          "2026-05-17",
          "card purchase",
          "PLANET FITNESS CLUB FEES",
          -24.99,
          6085.86
        ],
        [
          "2026-05-18",
          "ACH debit",
          "T-MOBILE PCS SVC PPD",
          -95,
          5990.86
        ],
        [
          "2026-05-19",
          "deposit returned",
          "RETURNED DEPOSIT ITEM - NSF (MOBILE DEPOSIT 05/15)",
          -1150,
          4840.86
        ],
        [
          "2026-05-19",
          "fee",
          "RETURNED DEPOSIT ITEM FEE",
          -10,
          4830.86
        ],
        [
          "2026-05-20",
          "ACH debit",
          "XCEL ENERGY-PSCO XCELENERGY PPD",
          -74.18,
          4756.68
        ],
        [
          "2026-05-20",
          "card purchase",
          "WHOLE FOODS MKT #10215 DENVER CO",
          -65.22,
          4691.46
        ],
        [
          "2026-05-20",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -5.62,
          4685.84
        ],
        [
          "2026-05-20",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -39.37,
          4646.47
        ],
        [
          "2026-05-21",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -7.37,
          4639.1
        ],
        [
          "2026-05-22",
          "ACH credit",
          "MESA RIDGE DEV LLC ACH PMT CCD",
          3890,
          8529.1
        ],
        [
          "2026-05-23",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -85.93,
          8443.17
        ],
        [
          "2026-05-24",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -147.49,
          8295.68
        ],
        [
          "2026-05-24",
          "card purchase",
          "SNOOZE AN AM EATERY DENVER CO",
          -28.07,
          8267.61
        ],
        [
          "2026-05-25",
          "transfer out",
          "AUTO TRANSFER TO LOAN x7781",
          -412.36,
          7855.25
        ],
        [
          "2026-05-26",
          "ACH debit",
          "DENVER WATER PPD",
          -71.2,
          7784.05
        ],
        [
          "2026-05-26",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.37,
          7777.68
        ],
        [
          "2026-05-26",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -950,
          6827.68
        ],
        [
          "2026-05-27",
          "card purchase",
          "TRADER JOE'S #301 DENVER CO",
          -34.02,
          6793.66
        ],
        [
          "2026-05-27",
          "card purchase",
          "USPS PO 0712345 DENVER CO",
          -30.37,
          6763.29
        ],
        [
          "2026-05-28",
          "ACH debit",
          "CHASE CREDIT CRD AUTOPAY PPD",
          -1457.25,
          5306.04
        ],
        [
          "2026-05-28",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -61.88,
          5244.16
        ],
        [
          "2026-05-29",
          "ACH credit",
          "TALLGRASS INTERIORS ACH PMT CCD",
          1150,
          6394.16
        ],
        [
          "2026-05-30",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -60.5,
          6333.66
        ],
        [
          "2026-06-01",
          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.62,
          4149.04
        ],
        [
          "2026-06-02",
          "ACH debit",
          "KAISER PERMANENTE CO PREMIUM PPD",
          -612.4,
          3536.64
        ],
        [
          "2026-06-03",
          "card purchase",
          "ADOBE *ADOBE SAN JOSE CA",
          -59.99,
          3476.65
        ],
        [
          "2026-06-03",
          "card purchase",
          "WHOLE FOODS MKT #10215 DENVER CO",
          -53.59,
          3423.06
        ],
        [
          "2026-06-05",
          "ACH credit",
          "HARTWELL PIKE ARCH PAYABLES CCD",
          6120,
          9543.06
        ],
        [
          "2026-06-05",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -58.48,
          9484.58
        ],
        [
          "2026-06-07",
          "card purchase",
          "SNOOZE AN AM EATERY DENVER CO",
          -36.62,
          9447.96
        ],
        [
          "2026-06-08",
          "ACH debit",
          "COMCAST XFINITY PPD",
          -89.99,
          9357.97
        ],
        [
          "2026-06-08",
          "card purchase",
          "GOOGLE *GSUITE_HALDANE CC@GOOGLE.COM CA",
          -14.4,
          9343.57
        ],
        [
          "2026-06-08",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.23,
          9337.34
        ],
        [
          "2026-06-08",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -1550,
          7787.34
        ],
        [
          "2026-06-09",
          "ACH debit",
          "GEICO AUTO PPD",
          -118.3,
          7669.04
        ],
        [
          "2026-06-10",
          "card purchase",
          "TRADER JOE'S #301 DENVER CO",
          -32.22,
          7636.82
        ],
        [
          "2026-06-11",
          "card purchase",
          "DROPBOX*2K4J8 SAN FRANCISCO CA",
          -11.99,
          7624.83
        ],
        [
          "2026-06-12",
          "card purchase",
          "CHEWY.COM DANIA BEACH FL",
          -64.18,
          7560.65
        ],
        [
          "2026-06-12",
          "transfer in",
          "ONLINE TRANSFER FROM SAVINGS x6034",
          4200,
          11760.65
        ],
        [
          "2026-06-13",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -134.57,
          11626.08
        ],
        [
          "2026-06-14",
          "card purchase",
          "SWEETGREEN DENVER CO",
          -29.82,
          11596.26
        ],
        [
          "2026-06-15",
          "ACH debit",
          "VANGUARD BUY INVESTMENT PPD",
          -500,
          11096.26
        ],
        [
          "2026-06-15",
          "ACH debit",
          "IRS USATAXPYMT PPD",
          -4200,
          6896.26
        ],
        [
          "2026-06-15",
          "ACH debit",
          "CO DEPT REVENUE TAX PYMT WEB",
          -780,
          6116.26
        ],
        [
          "2026-06-15",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -50.53,
          6065.73
        ],
        [
          "2026-06-17",
          "card purchase",
          "PLANET FITNESS CLUB FEES",
          -24.99,
          6040.74
        ],
        [
          "2026-06-18",
          "ACH debit",
          "T-MOBILE PCS SVC PPD",
          -95,
          5945.74
        ],
        [
          "2026-06-18",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.55,
          5939.19
        ],
        [
          "2026-06-19",
          "ACH credit",
          "MESA RIDGE DEV LLC ACH PMT CCD",
          2480,
          8419.19
        ],
        [
          "2026-06-20",
          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -53.15,
          8366.04
        ],
        [
          "2026-06-22",
          "ACH debit",
          "XCEL ENERGY-PSCO XCELENERGY PPD",
          -101.92,
          8264.12
        ],
        [
          "2026-06-22",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -600,
          7664.12
        ],
        [
          "2026-06-23",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -5,
          7659.12
        ],
        [
          "2026-06-24",
          "card purchase",
          "TRADER JOE'S #301 DENVER CO",
          -57.52,
          7601.6
        ],
        [
          "2026-06-25",
          "transfer out",
          "AUTO TRANSFER TO LOAN x7781",
          -412.36,
          7189.24
        ],
        [
          "2026-06-27",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -49.69,
          7139.55
        ],
        [
          "2026-06-29",
          "ACH debit",
          "CHASE CREDIT CRD AUTOPAY PPD",
          -1297.82,
          5841.73
        ],
        [
          "2026-06-29",
          "card purchase",
          "ILLEGAL PETE'S DENVER CO",
          -31.71,
          5810.02
        ],
        [
          "2026-06-30",
          "ACH credit",
          "LUMEN STUDIO LLC VENDOR PAY CCD",
          2215,
          8025.02
        ],
        [
          "2026-06-30",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -7.84,
          8017.18
        ],
        [
          "2026-07-01",
          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.62,
          5832.56
        ],
        [
          "2026-07-01",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -8.12,
          5824.44
        ],
        [
          "2026-07-02",
          "ACH debit",
          "KAISER PERMANENTE CO PREMIUM PPD",
          -612.4,
          5212.04
        ],
        [
          "2026-07-02",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -550,
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          "KING SOOPERS #0032 DENVER CO",
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          4087.9
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          "ACH debit",
          "COMCAST XFINITY PPD",
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          3997.91
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          3979.26
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          "GOOGLE *GSUITE_HALDANE CC@GOOGLE.COM CA",
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          3964.86
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          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -40.79,
          3924.07
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          "ACH debit",
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          3805.77
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          "STARBUCKS STORE 08123 DENVER CO",
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          3799.43
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          "ACH credit",
          "HARTWELL PIKE ARCH PAYABLES CCD",
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          9004.43
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          8996.55
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          "ILLEGAL PETE'S DENVER CO",
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          8961.2
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          "ONLINE TRANSFER TO SAVINGS x6034",
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          7661.2
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          7649.21
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          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
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          7530.11
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          -34.82,
          7495.29
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          "card purchase",
          "CHEWY.COM DANIA BEACH FL",
          -64.18,
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          "KING SOOPERS #0032 DENVER CO",
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          7378.81
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          "ACH debit",
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          6878.81
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          6871.54
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          "PLANET FITNESS CLUB FEES",
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          6846.55
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          -142.46,
          6704.09
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          "ACH debit",
          "T-MOBILE PCS SVC PPD",
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          6609.09
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          "ACH debit",
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          6467.42
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          "STARBUCKS STORE 08123 DENVER CO",
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          6462
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        [
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          "CONOCO - SEI 26111 DENVER CO",
          -45.47,
          6416.53
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          "STARBUCKS STORE 08123 DENVER CO",
          -8.42,
          6408.11
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          -412.36,
          10055.75
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          9955.04
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          9837.2
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          9831.87
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          8831.87
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          "ACH debit",
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          7896.16
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          -73.22,
          7822.94
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          "CONOCO - SEI 26111 DENVER CO",
          -61.68,
          7761.26
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          -6.13,
          7755.13
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          -7.45,
          7747.68
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          7620.69
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        [
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          "ACH debit",
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          5436.07
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          "ACH debit",
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          4823.67
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        [
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          "ADOBE *ADOBE SAN JOSE CA",
          -59.99,
          4763.68
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        [
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          "ACH debit",
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          4673.69
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          8658.69
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        [
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          -14.4,
          8644.29
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          "KING SOOPERS #0032 DENVER CO",
          -110.17,
          8534.12
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        [
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          "CONOCO - SEI 26111 DENVER CO",
          -57.1,
          8477.02
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        [
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          "ACH debit",
          "GEICO AUTO PPD",
          -118.3,
          8358.72
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          "2026-08-10",
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          "STARBUCKS STORE 08123 DENVER CO",
          -8.05,
          8350.67
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          7350.67
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          "DROPBOX*2K4J8 SAN FRANCISCO CA",
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          7338.68
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          "CHEWY.COM DANIA BEACH FL",
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          7274.5
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          8754.5
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          "KING SOOPERS #0032 DENVER CO",
          -103.71,
          8650.79
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        [
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          "ACH debit",
          "VANGUARD BUY INVESTMENT PPD",
          -500,
          8150.79
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          "PLANET FITNESS CLUB FEES",
          -24.99,
          8125.8
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          -7.65,
          8118.15
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          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -350,
          7768.15
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          "ACH debit",
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          7673.15
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          "card purchase",
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          -5.5,
          7667.65
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        [
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          "card purchase",
          "SOUTHWEST 5262199043318 DALLAS TX",
          -386.4,
          7281.25
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        [
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          "ACH debit",
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          7143.2
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          "CONOCO - SEI 26111 DENVER CO",
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          7089.77
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          10429.77
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          9579.77
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          9469.27
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          "transfer out",
          "AUTO TRANSFER TO LOAN x7781",
          -412.36,
          9056.91
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          "TRADER JOE'S #301 DENVER CO",
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          8993.45
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          "STARBUCKS STORE 08123 DENVER CO",
          -6.69,
          8986.76
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          "card purchase",
          "FEDEX OFFIC40117 DENVER CO",
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          8941.32
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          "ACH debit",
          "CHASE CREDIT CRD AUTOPAY PPD",
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          7427.39
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        [
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          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
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          7421.77
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          "CONOCO - SEI 26111 DENVER CO",
          -61.32,
          7360.45
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          "KING SOOPERS #0032 DENVER CO",
          -49.4,
          7311.05
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          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -8.2,
          7302.85
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        [
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          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.62,
          5118.23
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          "ACH debit",
          "KAISER PERMANENTE CO PREMIUM PPD",
          -612.4,
          4505.83
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        [
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          "card purchase",
          "ADOBE *ADOBE SAN JOSE CA",
          -59.99,
          4445.84
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        [
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          "STARBUCKS STORE 08123 DENVER CO",
          -5.63,
          4440.21
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        [
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          10915.21
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          "STARBUCKS STORE 08123 DENVER CO",
          -8.19,
          10907.02
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        [
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          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -74.46,
          10832.56
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        [
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          "card purchase",
          "CHIPOTLE 1840 DENVER CO",
          -15.35,
          10817.21
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        [
          "2026-09-07",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -8.36,
          10808.85
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        [
          "2026-09-08",
          "ACH debit",
          "COMCAST XFINITY PPD",
          -89.99,
          10718.86
        ],
        [
          "2026-09-08",
          "card purchase",
          "GOOGLE *GSUITE_HALDANE CC@GOOGLE.COM CA",
          -14.4,
          10704.46
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          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.43,
          10698.03
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        [
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          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -1600,
          9098.03
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        [
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          "ACH debit",
          "GEICO AUTO PPD",
          -118.3,
          8979.73
        ],
        [
          "2026-09-09",
          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -55.07,
          8924.66
        ],
        [
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          "card purchase",
          "ILLEGAL PETE'S DENVER CO",
          -16.58,
          8908.08
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        [
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          "card purchase",
          "CHIPOTLE 2210 PHOENIX AZ",
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          8893.23
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        [
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          "card purchase",
          "DROPBOX*2K4J8 SAN FRANCISCO CA",
          -11.99,
          8881.24
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        [
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          "card purchase",
          "SHAKE SHACK PHOENIX AZ",
          -22.61,
          8858.63
        ],
        [
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          "transfer in",
          "ONLINE TRANSFER FROM SAVINGS x6034",
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          13058.63
        ],
        [
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          "card purchase",
          "CHEWY.COM DANIA BEACH FL",
          -64.18,
          12994.45
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        [
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          "card purchase",
          "CIRCLE K 2709815 PHOENIX AZ",
          -9.48,
          12984.97
        ],
        [
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          "card purchase",
          "DENVER INTL AIRPORT PARKING DENVER CO",
          -96,
          12888.97
        ],
        [
          "2026-09-15",
          "ACH debit",
          "VANGUARD BUY INVESTMENT PPD",
          -500,
          12388.97
        ],
        [
          "2026-09-15",
          "ACH debit",
          "IRS USATAXPYMT PPD",
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          8188.97
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        [
          "2026-09-15",
          "ACH debit",
          "CO DEPT REVENUE TAX PYMT WEB",
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          7408.97
        ],
        [
          "2026-09-15",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -6.27,
          7402.7
        ],
        [
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          "card purchase",
          "HYATT PLACE PHOENIX DOWNTOWN PHOENIX AZ",
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          6690.32
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        [
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          "card purchase",
          "ENTERPRISE RENT-A-CAR PHOENIX AZ",
          -248.17,
          6442.15
        ],
        [
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          "card purchase",
          "PLANET FITNESS CLUB FEES",
          -24.99,
          6417.16
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        [
          "2026-09-18",
          "ACH credit",
          "DESERT LINE BUILDERS AP CCD",
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          11217.16
        ],
        [
          "2026-09-18",
          "ACH debit",
          "T-MOBILE PCS SVC PPD",
          -95,
          11122.16
        ],
        [
          "2026-09-18",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -5.6,
          11116.56
        ],
        [
          "2026-09-18",
          "card purchase",
          "FEDEX OFFIC40117 DENVER CO",
          -58.23,
          11058.33
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        [
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          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -90.91,
          10967.42
        ],
        [
          "2026-09-19",
          "card purchase",
          "FEDEX OFFIC40117 DENVER CO",
          -41.46,
          10925.96
        ],
        [
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          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -59.9,
          10866.06
        ],
        [
          "2026-09-21",
          "ACH debit",
          "XCEL ENERGY-PSCO XCELENERGY PPD",
          -88.71,
          10777.35
        ],
        [
          "2026-09-21",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -4.95,
          10772.4
        ],
        [
          "2026-09-21",
          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -1200,
          9572.4
        ],
        [
          "2026-09-23",
          "card purchase",
          "WHOLE FOODS MKT #10215 DENVER CO",
          -59.09,
          9513.31
        ],
        [
          "2026-09-24",
          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -8.4,
          9504.91
        ],
        [
          "2026-09-25",
          "ACH credit",
          "MESA RIDGE DEV LLC ACH PMT CCD",
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          12419.91
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        [
          "2026-09-25",
          "transfer out",
          "AUTO TRANSFER TO LOAN x7781",
          -412.36,
          12007.55
        ],
        [
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          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -84.81,
          11922.74
        ],
        [
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          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -140.4,
          11782.34
        ],
        [
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          "card purchase",
          "ILLEGAL PETE'S DENVER CO",
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          11746.72
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        [
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          "ACH debit",
          "DENVER WATER PPD",
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          11644.36
        ],
        [
          "2026-09-28",
          "ACH debit",
          "CHASE CREDIT CRD AUTOPAY PPD",
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          10552.12
        ],
        [
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          "card purchase",
          "STARBUCKS STORE 08123 DENVER CO",
          -8.26,
          10543.86
        ],
        [
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          "card purchase",
          "THE HOME DEPOT #1503 DENVER CO",
          -51.77,
          10492.09
        ],
        [
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          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -750,
          9742.09
        ],
        [
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          "card purchase",
          "CONOCO - SEI 26111 DENVER CO",
          -39.98,
          9702.11
        ],
        [
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          "card purchase",
          "ILLEGAL PETE'S DENVER CO",
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          9670.04
        ],
        [
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          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.62,
          7485.42
        ],
        [
          "2026-10-02",
          "ACH credit",
          "HARTWELL PIKE ARCH PAYABLES CCD",
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          11105.42
        ],
        [
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          "card purchase",
          "KING SOOPERS #0032 DENVER CO",
          -152.99,
          10952.43
        ],
        [
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          "card purchase",
          "ADOBE *ADOBE SAN JOSE CA",
          -59.99,
          10892.44
        ],
        [
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          "transfer out",
          "ONLINE TRANSFER TO SAVINGS x6034",
          -900,
          9992.44
        ]
      ]
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          "transfer out",
          "ONLINE TRANSFER TO CHECKING x5120",
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          5252.77
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        [
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        [
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        [
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          "ONLINE TRANSFER FROM CHECKING x5120",
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        ],
        [
          "2026-06-12",
          "transfer out",
          "ONLINE TRANSFER TO CHECKING x5120",
          -4200,
          5957.25
        ],
        [
          "2026-06-22",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          600,
          6557.25
        ],
        [
          "2026-06-30",
          "dividend",
          "DIVIDEND",
          1.76,
          6559.01
        ],
        [
          "2026-07-02",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          550,
          7109.01
        ],
        [
          "2026-07-10",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          1300,
          8409.01
        ],
        [
          "2026-07-27",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          1000,
          9409.01
        ],
        [
          "2026-07-31",
          "dividend",
          "DIVIDEND",
          2.02,
          9411.03
        ],
        [
          "2026-08-10",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          1000,
          10411.03
        ],
        [
          "2026-08-17",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          350,
          10761.03
        ],
        [
          "2026-08-24",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          850,
          11611.03
        ],
        [
          "2026-08-31",
          "dividend",
          "DIVIDEND",
          2.89,
          11613.92
        ],
        [
          "2026-09-08",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          1600,
          13213.92
        ],
        [
          "2026-09-11",
          "transfer out",
          "ONLINE TRANSFER TO CHECKING x5120",
          -4200,
          9013.92
        ],
        [
          "2026-09-21",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          1200,
          10213.92
        ],
        [
          "2026-09-28",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          750,
          10963.92
        ],
        [
          "2026-09-30",
          "dividend",
          "DIVIDEND",
          2.67,
          10966.59
        ],
        [
          "2026-10-05",
          "transfer in",
          "ONLINE TRANSFER FROM CHECKING x5120",
          900,
          11866.59
        ]
      ]
    },
    "digital_banking_sessions_90_days": {
      "columns": [
        "start",
        "device",
        "ip",
        "network",
        "sign_in",
        "activity"
      ],
      "rows": [
        [
          "2026-07-08T09:45:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-07-10T12:15:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "moved $1,300.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-07-11T18:52:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-07-13T12:25:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-07-14T07:50:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances"
        ],
        [
          "2026-07-15T14:03:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-07-20T07:50:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-07-22T14:57:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-07-25T15:50:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-07-27T14:21:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "moved $1,000.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-07-31T08:19:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-08-02T18:46:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-08-04T20:41:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-05T16:12:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-08T14:14:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-08-09T18:06:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-08-10T15:21:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "moved $1,000.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-08-11T18:47:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-12T18:11:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-08-13T15:50:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-08-14T10:20:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "mobile deposit $1,480.00"
        ],
        [
          "2026-08-17T13:16:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "moved $350.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-08-18T10:08:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances"
        ],
        [
          "2026-08-19T07:27:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-08-21T15:04:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-08-22T08:40:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "forgot-password flow; SMS code entered; password changed",
          "viewed balances"
        ],
        [
          "2026-08-23T11:47:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-24T08:49:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "moved $850.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-08-25T13:47:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-08-26T13:57:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-08-27T17:40:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed savings x6034 activity"
        ],
        [
          "2026-08-29T08:59:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances"
        ],
        [
          "2026-08-30T09:58:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-08-31T19:51:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-09-06T11:00:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-07T15:13:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-08T12:37:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "198.51.100.33",
          "Business ISP, Denver CO",
          "password",
          "moved $1,600.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-09-09T12:59:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed savings x6034 activity"
        ],
        [
          "2026-09-11T07:06:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.212",
          "Mobile carrier, Phoenix AZ",
          "Face ID",
          "moved $4,200.00 savings x6034 (Tax reserve) to checking"
        ],
        [
          "2026-09-13T07:17:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.212",
          "Mobile carrier, Phoenix AZ",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-09-15T10:19:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed balances"
        ],
        [
          "2026-09-21T16:14:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "moved $1,200.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-09-23T16:08:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed savings x6034 activity"
        ],
        [
          "2026-09-24T09:08:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-09-25T14:00:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-09-26T14:31:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed balances"
        ],
        [
          "2026-09-28T08:14:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "moved $750.00 checking to savings x6034 (Tax reserve)"
        ],
        [
          "2026-09-29T17:47:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed balances; viewed checking activity"
        ],
        [
          "2026-09-30T08:31:00-06:00",
          "iPhone 15 app (trusted)",
          "192.0.2.77",
          "Mobile carrier, Denver CO",
          "Face ID",
          "viewed checking activity"
        ],
        [
          "2026-10-02T15:35:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "viewed savings x6034 activity"
        ],
        [
          "2026-10-03T09:15:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed September 2026 e-statement; viewed checking activity"
        ],
        [
          "2026-10-04T13:19:00-06:00",
          "MacBook Pro, Safari (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "password",
          "viewed checking activity"
        ],
        [
          "2026-10-05T07:58:00-06:00",
          "iPhone 15 app (trusted)",
          "203.0.113.44",
          "Residential fiber, Denver CO",
          "Face ID",
          "moved $900.00 checking to savings x6034 (Tax reserve); viewed checking activity"
        ]
      ]
    },
    "rule_hits_12_months": [
      {
        "ts": "2026-05-19T06:00:00-06:00",
        "rule": "DEP-RETURNED-ITEM",
        "item": "Mobile deposit 05/15 $1,150.00 returned NSF",
        "action": "Notice sent; fee assessed; no hold on future deposits"
      },
      {
        "ts": "2026-09-11T15:40:00-06:00",
        "rule": "CARD-OUT-OF-REGION",
        "item": "HYATT PLACE PHOENIX DOWNTOWN pre-authorization $700.00",
        "action": "Verification text; member replied YES; approved"
      },
      {
        "ts": "2026-09-15T05:30:00-06:00",
        "rule": "ACH-LARGE-DEBIT",
        "item": "IRS USATAXPYMT $4,200.00 (4.6x the member's 90-day average debit)",
        "action": "Auto-cleared: originator on the government-originator list; 10 earlier debits from this originator in 24 months"
      }
    ],
    "contact_center_history": [
      {
        "ts": "2026-05-19T11:02:00-06:00",
        "channel": "Inbound call",
        "summary": "Member asked about the returned mobile deposit. Agent explained NSF return; member said the client would pay by ACH instead."
      },
      {
        "ts": "2026-09-30T15:40:00-06:00",
        "channel": "Inbound call",
        "summary": "Member reported a call earlier that day from someone claiming to be the IRS who said he owed back taxes and faced arrest unless he paid today by gift cards. He hung up after about two minutes, gave no account or card details and paid nothing. Asked whether we share his information with the IRS; agent explained we don't, and added an account note."
      },
      {
        "ts": "2026-10-05T10:12:00-06:00",
        "channel": "Inbound call",
        "summary": "Claim intake (recording summarized): member disputes a $4,200.00 IRS debit on 2026-09-15 as unauthorized; believes the IRS impostors or a duplicate IRS charge caused it. Agent opened the claim. Agent explained a written statement of unauthorized debit would send the payment back to the IRS; member chose to wait for the investigator before signing it."
      }
    ],
    "prior_claims": [
      {
        "opened": "2025-03-04",
        "type": "Debit card, unauthorized card-not-present",
        "detail": "$312.77 at an online electronics merchant; card reissued",
        "outcome": "Reimbursed under Regulation E"
      }
    ],
    "prior_scam_reimbursements": "None",
    "debits_from_same_originator_24_months": {
      "originator": "IRS, company entry description USATAXPYMT, SEC PPD",
      "columns": [
        "settled",
        "amount_usd"
      ],
      "rows": [
        [
          "2024-09-16",
          3600
        ],
        [
          "2025-01-15",
          3600
        ],
        [
          "2025-04-15",
          2211
        ],
        [
          "2025-04-15",
          3900
        ],
        [
          "2025-06-16",
          3900
        ],
        [
          "2025-09-15",
          3900
        ],
        [
          "2026-01-15",
          3900
        ],
        [
          "2026-04-15",
          1318
        ],
        [
          "2026-04-15",
          4200
        ],
        [
          "2026-06-15",
          4200
        ],
        [
          "2026-09-15",
          4200
        ]
      ]
    },
    "event_timeline": [
      {
        "ts": "2026-06-12T07:31:00-06:00",
        "event": "Online transfer $4,200.00 savings x6034 to checking, from the trusted MacBook"
      },
      {
        "ts": "2026-06-15",
        "event": "IRS USATAXPYMT $4,200.00 and CO DEPT REVENUE $780.00 debits posted"
      },
      {
        "ts": "2026-09-11",
        "event": "Online transfer $4,200.00 savings x6034 to checking, from the trusted iPhone (Face ID) on a Phoenix mobile-carrier IP; card activity places the member in Phoenix 2026-09-10 to 2026-09-14"
      },
      {
        "ts": "2026-09-15",
        "event": "IRS USATAXPYMT $4,200.00 and CO DEPT REVENUE $780.00 debits posted"
      },
      {
        "ts": "2026-09-30T15:40:00-06:00",
        "event": "Member reported an IRS impostor call (no payment, no details given)"
      },
      {
        "ts": "2026-09-30",
        "event": "September statement issued"
      },
      {
        "ts": "2026-10-03T09:15:00-06:00",
        "event": "Member viewed the September e-statement on his MacBook"
      },
      {
        "ts": "2026-10-05T10:12:00-06:00",
        "event": "Claim opened by phone"
      },
      {
        "ts": "2026-10-06T14:05:00-06:00",
        "event": "Investigator interview by phone"
      }
    ],
    "member_statement": "Recorded at intake on 2026-10-05: \"Somebody took $4,200 out of my checking on September 15th and it says IRS. Last Wednesday a guy called saying he was with the IRS, that I owed back taxes and there was a warrant, and I hung up on him. He knew my address. Then Saturday I'm going through my statement and I see the IRS took $4,200. I already paid my estimates. I did two in June because I knew I'd be traveling in September. So either the IRS charged me twice or those guys got into my account. I didn't authorize this.\"",
    "investigator_notes": "Interview 2026-10-06 by phone. Member pays federal estimated taxes himself through the IRS website using checking x5120; his CPA prepares the annual return. He says he submitted two payments in June, one for June and one for September, and thought both were taken in June. Our records show one IRS debit in June (2026-06-15, $4,200.00). Asked about the $780.00 Colorado Department of Revenue debit on 2026-09-15: he says that is his state estimate, set up in June, and is fine. He has given his account number to no one else; the 2026-09-30 caller did not ask for bank details. No remote-access software, no codes shared, no new devices. He agreed to check his IRS online account for a third-quarter payment and call back; no callback as of 2026-10-07 09:00.",
    "claim": {
      "claim_id": "CLM-2026-10-0087",
      "opened": "2026-10-05T10:12:00-06:00",
      "reported_by": "Member, by phone",
      "review_requested": "2026-10-07T09:00:00-06:00",
      "regulation_e": "Reported 5 days after the statement that first showed the debit",
      "payments_in_claim": [
        {
          "payment_id": "ACHD-20260915-0193",
          "type": "Incoming ACH debit",
          "amount_usd": 4200,
          "settled": "2026-09-15",
          "account": "checking x5120",
          "originator": "IRS",
          "company_entry_description": "USATAXPYMT",
          "sec_code": "PPD",
          "individual_name_field": "GREGORY R HALDANE",
          "individual_id_field": "IRS payment reference, 15 digits (masked)",
          "funded_by": "$4,200.00 moved from savings x6034 (Tax reserve) on 2026-09-11 from the trusted iPhone"
        }
      ],
      "payment_under_review": "ACHD-20260915-0193"
    }
  },
  "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?"
    }
  }
}