{
  "model": "grayson-1",
  "state": {
    "review": {
      "as_of": "2026-10-08T15:05:00Z",
      "queue": "Incoming ACH review",
      "trigger": "ACH CCD credit of $31,640.00 to a consumer account",
      "rules_fired": [
        "ACH-01 corporate credit (CCD/CTX) over $10,000 to a consumer account",
        "ACH-04 receiver name in the entry does not match an account owner",
        "ACH-06 credit more than 1.5 times the largest ACH credit in the last 12 months",
        "ACH-07 credit more than 10 times the largest ACH credit in the last 12 months",
        "ACH-11 outbound transfer of more than 50% of a credit within 24 hours of posting"
      ],
      "funds_status": "Credit posted with funds available; no hold placed at posting"
    },
    "member": {
      "name": "Owen B. Castellano",
      "age": 41,
      "member_since": "2020-03-09",
      "address": "Mason, OH (apartment; at this address since 2021)",
      "occupation_on_file": "Facilities project coordinator, Kestrel Property Services (2024 KYC refresh)",
      "stated_monthly_deposits_usd": 4500,
      "identity_verification": "Verified in branch at membership, 2020",
      "phone_on_file": "(513) 555-0118, unchanged since 2020",
      "email_on_file": "owen.castellano@example.com, unchanged since 2020",
      "risk_rating": "Standard",
      "business_relationships_on_file": "None completed. Business checking application started 2026-09-12 (see member_contacts)",
      "other_products": [
        "Savings x6624 ($2,310.44)"
      ]
    },
    "account": {
      "account": "Personal checking x6623",
      "owners": [
        "Owen B. Castellano"
      ],
      "opened": "2020-03-09",
      "opening_channel": "Branch",
      "debit_card": "x9104, active",
      "limits": {
        "online_wire_per_day_usd": 10000,
        "external_transfer_per_day_usd": "30000 until 2026-10-13, normally 5000",
        "p2p_per_day_usd": 2500,
        "atm_per_day_usd": 500,
        "courtesy_pay_usd": 500
      },
      "largest_ach_credit_prior_12_months_usd": 2177.12,
      "average_balance_90d_usd": 2491.51
    },
    "prior_alerts_and_cases": [],
    "monthly_summary": {
      "columns": [
        "month",
        "credits_usd",
        "credit_count",
        "debits_usd",
        "debit_count",
        "ending_balance_usd",
        "overdraft_or_nsf_fees"
      ],
      "rows": [
        [
          "2026-05",
          4307.08,
          2,
          3696.01,
          37,
          2826.67,
          0
        ],
        [
          "2026-06",
          4267.93,
          2,
          4179.93,
          37,
          2914.67,
          0
        ],
        [
          "2026-07",
          6216.86,
          3,
          4658.93,
          49,
          4472.6,
          0
        ],
        [
          "2026-08",
          1500,
          1,
          3634.14,
          35,
          2338.46,
          0
        ],
        [
          "2026-09",
          4682,
          3,
          4226.54,
          36,
          2793.92,
          1
        ],
        [
          "2026-10",
          0,
          0,
          2093.14,
          10,
          700.78,
          0
        ]
      ]
    },
    "transactions": {
      "note": "Posted items 2026-05-01 to 2026-10-07; debits negative; balance is the ledger balance after each item",
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-05-01",
          "ACH debit",
          "CEDAR BLUFF RESIDENTIAL RENT WEB",
          -1485,
          730.6
        ],
        [
          "2026-05-01",
          "Card",
          "KROGER #0912 MASON OH",
          -47.11,
          683.49
        ],
        [
          "2026-05-01",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -6.84,
          676.65
        ],
        [
          "2026-05-03",
          "Card",
          "TRADER JOE'S #669 CINCINNATI OH",
          -54.6,
          622.05
        ],
        [
          "2026-05-03",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -39.22,
          582.83
        ],
        [
          "2026-05-03",
          "P2P out",
          "P2P TO KYLE BRANNIGAN",
          -20,
          562.83
        ],
        [
          "2026-05-04",
          "Transfer out",
          "TRANSFER TO SAVINGS x6624",
          -300,
          262.83
        ],
        [
          "2026-05-04",
          "Card",
          "NETFLIX.COM",
          -15.49,
          247.34
        ],
        [
          "2026-05-04",
          "Card",
          "ALDI 71233 MASON OH",
          -42.74,
          204.6
        ],
        [
          "2026-05-07",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -131.2,
          73.4
        ],
        [
          "2026-05-07",
          "Card",
          "SHELL OIL 57521044 MASON OH",
          -57.41,
          15.99
        ],
        [
          "2026-05-08",
          "ACH credit",
          "KESTREL PROPERTY PAYROLL PPD OWEN CASTELLANO",
          2177.12,
          2193.11
        ],
        [
          "2026-05-08",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -28.7,
          2164.41
        ],
        [
          "2026-05-08",
          "Card",
          "BEST BUY 00000611 WEST CHESTER OH",
          -22.83,
          2141.58
        ],
        [
          "2026-05-09",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -9.18,
          2132.4
        ],
        [
          "2026-05-10",
          "Card",
          "PANERA BREAD #204412 MASON OH",
          -28.97,
          2103.43
        ],
        [
          "2026-05-11",
          "ACH debit",
          "ALLY AUTO PAYMENT PPD",
          -412.88,
          1690.55
        ],
        [
          "2026-05-11",
          "Card",
          "AMAZON PRIME*MEMBERSHIP",
          -14.99,
          1675.56
        ],
        [
          "2026-05-11",
          "Card",
          "UBER *EATS",
          -14.61,
          1660.95
        ],
        [
          "2026-05-12",
          "Card",
          "KROGER #0912 MASON OH",
          -99.41,
          1561.54
        ],
        [
          "2026-05-14",
          "ACH debit",
          "DUKE ENERGY OH BILL PAY",
          -116.4,
          1445.14
        ],
        [
          "2026-05-14",
          "Card",
          "STARBUCKS STORE 14420 MASON OH",
          -43.82,
          1401.32
        ],
        [
          "2026-05-14",
          "Card",
          "KROGER FUEL #912 MASON OH",
          -37.53,
          1363.79
        ],
        [
          "2026-05-17",
          "Card",
          "PLANET FITNESS",
          -24.99,
          1338.8
        ],
        [
          "2026-05-17",
          "Card",
          "ALDI 71233 MASON OH",
          -110.74,
          1228.06
        ],
        [
          "2026-05-19",
          "Card",
          "ALTAFIBER",
          -70,
          1158.06
        ],
        [
          "2026-05-19",
          "Card",
          "SPEEDWAY 07711 MASON OH",
          -48.97,
          1109.09
        ],
        [
          "2026-05-20",
          "Card",
          "STARBUCKS STORE 14420 MASON OH",
          -31.02,
          1078.07
        ],
        [
          "2026-05-21",
          "Card",
          "STARBUCKS STORE 14420 MASON OH",
          -19.57,
          1058.5
        ],
        [
          "2026-05-22",
          "ACH credit",
          "KESTREL PROPERTY PAYROLL PPD OWEN CASTELLANO",
          2129.96,
          3188.46
        ],
        [
          "2026-05-22",
          "Card",
          "GOOGLE *YOUTUBE PREMIUM",
          -13.99,
          3174.47
        ],
        [
          "2026-05-24",
          "Card",
          "VERIZON WIRELESS",
          -82.4,
          3092.07
        ],
        [
          "2026-05-24",
          "Card",
          "PANERA BREAD #204412 MASON OH",
          -26.21,
          3065.86
        ],
        [
          "2026-05-27",
          "Card",
          "KROGER FUEL #912 MASON OH",
          -43.28,
          3022.58
        ],
        [
          "2026-05-28",
          "Card",
          "KROGER #0912 MASON OH",
          -22.35,
          3000.23
        ],
        [
          "2026-05-28",
          "Card",
          "STARBUCKS STORE 14420 MASON OH",
          -32.39,
          2967.84
        ],
        [
          "2026-05-29",
          "Card",
          "UBER *EATS",
          -7.27,
          2960.57
        ],
        [
          "2026-05-30",
          "Card",
          "ALDI 71233 MASON OH",
          -114.45,
          2846.12
        ],
        [
          "2026-05-31",
          "Card",
          "STARBUCKS STORE 14420 MASON OH",
          -19.45,
          2826.67
        ],
        [
          "2026-06-01",
          "ACH debit",
          "CEDAR BLUFF RESIDENTIAL RENT WEB",
          -1485,
          1341.67
        ],
        [
          "2026-06-01",
          "Card",
          "SPEEDWAY 07711 MASON OH",
          -46.24,
          1295.43
        ],
        [
          "2026-06-02",
          "Transfer out",
          "TRANSFER TO SAVINGS x6624",
          -300,
          995.43
        ],
        [
          "2026-06-03",
          "Card",
          "KROGER #0912 MASON OH",
          -111.5,
          883.93
        ],
        [
          "2026-06-04",
          "Card",
          "NETFLIX.COM",
          -15.49,
          868.44
        ],
        [
          "2026-06-04",
          "Card",
          "ALDI 71233 MASON OH",
          -92.49,
          775.95
        ],
        [
          "2026-06-04",
          "Card",
          "PANERA BREAD #204412 MASON OH",
          -10.76,
          765.19
        ],
        [
          "2026-06-05",
          "ACH credit",
          "KESTREL PROPERTY PAYROLL PPD OWEN CASTELLANO",
          2122.57,
          2887.76
        ],
        [
          "2026-06-05",
          "Card",
          "KROGER #0912 MASON OH",
          -82.14,
          2805.62
        ],
        [
          "2026-06-05",
          "P2P out",
          "P2P TO DANA CASTELLANO",
          -40,
          2765.62
        ],
        [
          "2026-06-07",
          "Card",
          "COSTCO WHSE #1103 WEST CHESTER OH",
          -171.58,
          2594.04
        ],
        [
          "2026-06-07",
          "Card",
          "SPEEDWAY 07711 MASON OH",
          -50.36,
          2543.68
        ],
        [
          "2026-06-08",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -131.2,
          2412.48
        ],
        [
          "2026-06-08",
          "Card",
          "ALDI 71233 MASON OH",
          -68.98,
          2343.5
        ],
        [
          "2026-06-08",
          "Card",
          "AMAZON MKTPL*PGIML8EF4",
          -14.58,
          2328.92
        ],
        [
          "2026-06-09",
          "ACH debit",
          "ALLY AUTO PAYMENT PPD",
          -412.88,
          1916.04
        ],
        [
          "2026-06-11",
          "Card",
          "AMAZON PRIME*MEMBERSHIP",
          -14.99,
          1901.05
        ],
        [
          "2026-06-13",
          "Card",
          "TARGET 00021455 MASON OH",
          -62.01,
          1839.04
        ],
        [
          "2026-06-13",
          "ATM",
          "ATM WITHDRAWAL #0518 MASON-MONTGOMERY RD MASON OH",
          -100,
          1739.04
        ],
        [
          "2026-06-14",
          "Card",
          "KROGER FUEL #912 MASON OH",
          -37.52,
          1701.52
        ],
        [
          "2026-06-15",
          "ACH debit",
          "DUKE ENERGY OH BILL PAY",
          -91.94,
          1609.58
        ],
        [
          "2026-06-16",
          "Card",
          "TRADER JOE'S #669 CINCINNATI OH",
          -29.11,
          1580.47
        ],
        [
          "2026-06-17",
          "Card",
          "PLANET FITNESS",
          -24.99,
          1555.48
        ],
        [
          "2026-06-18",
          "ACH credit",
          "KESTREL PROPERTY PAYROLL PPD OWEN CASTELLANO",
          2145.36,
          3700.84
        ],
        [
          "2026-06-19",
          "Card",
          "ALTAFIBER",
          -70,
          3630.84
        ],
        [
          "2026-06-19",
          "Card",
          "SHELL OIL 57521044 MASON OH",
          -37.27,
          3593.57
        ],
        [
          "2026-06-21",
          "Card",
          "COSTCO WHSE #1103 WEST CHESTER OH",
          -214.1,
          3379.47
        ],
        [
          "2026-06-22",
          "Card",
          "GOOGLE *YOUTUBE PREMIUM",
          -13.99,
          3365.48
        ],
        [
          "2026-06-22",
          "P2P out",
          "P2P TO DANA CASTELLANO",
          -30,
          3335.48
        ],
        [
          "2026-06-24",
          "Card",
          "VERIZON WIRELESS",
          -82.4,
          3253.08
        ],
        [
          "2026-06-24",
          "Card",
          "UBER *EATS",
          -13.2,
          3239.88
        ],
        [
          "2026-06-24",
          "Card",
          "KROGER FUEL #912 MASON OH",
          -42.54,
          3197.34
        ],
        [
          "2026-06-25",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -41.55,
          3155.79
        ],
        [
          "2026-06-26",
          "P2P out",
          "P2P TO KYLE BRANNIGAN",
          -40,
          3115.79
        ],
        [
          "2026-06-27",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -24.78,
          3091.01
        ],
        [
          "2026-06-28",
          "Card",
          "KROGER #0912 MASON OH",
          -48.04,
          3042.97
        ],
        [
          "2026-06-28",
          "Card",
          "UBER *EATS",
          -39.96,
          3003.01
        ],
        [
          "2026-06-30",
          "Card",
          "FIRST WATCH #0318 MASON OH",
          -41.48,
          2961.53
        ],
        [
          "2026-06-30",
          "Card",
          "KROGER FUEL #912 MASON OH",
          -46.86,
          2914.67
        ],
        [
          "2026-07-01",
          "ACH debit",
          "CEDAR BLUFF RESIDENTIAL RENT WEB",
          -1485,
          1429.67
        ],
        [
          "2026-07-02",
          "ACH credit",
          "KESTREL PROPERTY PAYROLL PPD OWEN CASTELLANO",
          2128.49,
          3558.16
        ],
        [
          "2026-07-02",
          "Transfer out",
          "TRANSFER TO SAVINGS x6624",
          -300,
          3258.16
        ],
        [
          "2026-07-02",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -29.82,
          3228.34
        ],
        [
          "2026-07-03",
          "Card",
          "UBER *EATS",
          -25.85,
          3202.49
        ],
        [
          "2026-07-04",
          "Card",
          "NETFLIX.COM",
          -15.49,
          3187
        ],
        [
          "2026-07-04",
          "Card",
          "TRADER JOE'S #669 CINCINNATI OH",
          -31.82,
          3155.18
        ],
        [
          "2026-07-04",
          "P2P out",
          "P2P TO DANA CASTELLANO",
          -75,
          3080.18
        ],
        [
          "2026-07-05",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -23.39,
          3056.79
        ],
        [
          "2026-07-06",
          "Card",
          "TRADER JOE'S #669 CINCINNATI OH",
          -82.67,
          2974.12
        ],
        [
          "2026-07-06",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -33.29,
          2940.83
        ],
        [
          "2026-07-06",
          "Card",
          "SPEEDWAY 07711 MASON OH",
          -35.92,
          2904.91
        ],
        [
          "2026-07-07",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -131.2,
          2773.71
        ],
        [
          "2026-07-07",
          "Card",
          "ALDI 71233 MASON OH",
          -76.12,
          2697.59
        ],
        [
          "2026-07-08",
          "ATM",
          "ATM WITHDRAWAL #0518 MASON-MONTGOMERY RD MASON OH",
          -100,
          2597.59
        ],
        [
          "2026-07-09",
          "ACH debit",
          "ALLY AUTO PAYMENT PPD",
          -412.88,
          2184.71
        ],
        [
          "2026-07-09",
          "Card",
          "AMAZON MKTPL*0HFTFDDT9",
          -66.97,
          2117.74
        ],
        [
          "2026-07-10",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -13.21,
          2104.53
        ],
        [
          "2026-07-11",
          "Card",
          "AMAZON PRIME*MEMBERSHIP",
          -14.99,
          2089.54
        ],
        [
          "2026-07-11",
          "Card",
          "KROGER #0912 MASON OH",
          -117.62,
          1971.92
        ],
        [
          "2026-07-11",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -22.98,
          1948.94
        ],
        [
          "2026-07-12",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -31.95,
          1916.99
        ],
        [
          "2026-07-12",
          "Card",
          "SPEEDWAY 07711 MASON OH",
          -40.45,
          1876.54
        ],
        [
          "2026-07-13",
          "Card",
          "KROGER #0912 MASON OH",
          -45.45,
          1831.09
        ],
        [
          "2026-07-14",
          "ACH debit",
          "DUKE ENERGY OH BILL PAY",
          -78.82,
          1752.27
        ],
        [
          "2026-07-17",
          "ACH credit",
          "KESTREL PROPERTY PAYROLL PPD OWEN CASTELLANO",
          2151.97,
          3904.24
        ],
        [
          "2026-07-17",
          "Card",
          "PLANET FITNESS",
          -24.99,
          3879.25
        ],
        [
          "2026-07-17",
          "Card",
          "ALDI 71233 MASON OH",
          -71.57,
          3807.68
        ],
        [
          "2026-07-17",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -32.23,
          3775.45
        ],
        [
          "2026-07-18",
          "Card",
          "STARBUCKS STORE 14420 MASON OH",
          -33.91,
          3741.54
        ],
        [
          "2026-07-18",
          "Card",
          "KROGER FUEL #912 MASON OH",
          -38.52,
          3703.02
        ],
        [
          "2026-07-19",
          "Card",
          "ALTAFIBER",
          -70,
          3633.02
        ],
        [
          "2026-07-19",
          "Card",
          "COSTCO WHSE #1103 WEST CHESTER OH",
          -198.1,
          3434.92
        ],
        [
          "2026-07-21",
          "Card",
          "KROGER #0912 MASON OH",
          -73.26,
          3361.66
        ],
        [
          "2026-07-21",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -10.94,
          3350.72
        ],
        [
          "2026-07-21",
          "ATM",
          "ATM WITHDRAWAL #0518 MASON-MONTGOMERY RD MASON OH",
          -60,
          3290.72
        ],
        [
          "2026-07-22",
          "Card",
          "GOOGLE *YOUTUBE PREMIUM",
          -13.99,
          3276.73
        ],
        [
          "2026-07-22",
          "Card",
          "TRADER JOE'S #669 CINCINNATI OH",
          -38.62,
          3238.11
        ],
        [
          "2026-07-22",
          "P2P out",
          "P2P TO DANA CASTELLANO",
          -30,
          3208.11
        ],
        [
          "2026-07-23",
          "Card",
          "KROGER #0912 MASON OH",
          -61.84,
          3146.27
        ],
        [
          "2026-07-23",
          "Card",
          "SKYLINE CHILI #0141 MASON OH",
          -43.54,
          3102.73
        ],
        [
          "2026-07-23",
          "Card",
          "SHELL OIL 57521044 MASON OH",
          -45.14,
          3057.59
        ],
        [
          "2026-07-24",
          "Card",
          "VERIZON WIRELESS",
          -82.4,
          2975.19
        ],
        [
          "2026-07-25",
          "Card",
          "KROGER #0912 MASON OH",
          -102.38,
          2872.81
        ],
        [
          "2026-07-26",
          "Card",
          "COSTCO WHSE #1103 WEST CHESTER OH",
          -130.62,
          2742.19
        ],
        [
          "2026-07-26",
          "Card",
          "UBER *EATS",
          -32.11,
          2710.08
        ],
        [
          "2026-07-28",
          "Card",
          "CHIPOTLE 2610 MASON OH",
          -37.42,
          2672.66
        ],
        [
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          "D2",
          "192.0.2.230",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-14T19:13:52Z",
          "login",
          "D2",
          "192.0.2.219",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-15T02:06:18Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-15T20:37:32Z",
          "login",
          "D2",
          "192.0.2.47",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-15T22:47:28Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-16T12:51:32Z",
          "login",
          "D2",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-17T19:13:27Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-19T13:39:10Z",
          "login",
          "D2",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-19T18:42:20Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-21T13:39:10Z",
          "login",
          "D2",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-21T22:12:21Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-22T23:16:17Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-24T00:00:30Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-24T00:45:36Z",
          "login",
          "D2",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-24T15:33:39Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-24T18:28:19Z",
          "login",
          "D2",
          "192.0.2.131",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-25T13:18:40Z",
          "external_account_linked",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "",
          "Account x4410, business checking at an online bank; instant verification; account title CASTELLANO FACILITY SOLUTIONS LLC"
        ],
        [
          "2026-09-26T12:55:12Z",
          "external_transfer",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "",
          "$100.00 to x4410"
        ],
        [
          "2026-09-27T12:11:32Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-27T16:12:02Z",
          "login",
          "D2",
          "192.0.2.215",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-28T13:04:51Z",
          "login",
          "D2",
          "192.0.2.193",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-28T21:58:36Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-09-29T16:55:29Z",
          "login",
          "D2",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-30T17:04:19Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-10-01T19:28:29Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-10-01T20:54:22Z",
          "login",
          "D2",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Face ID",
          ""
        ],
        [
          "2026-10-02T14:29:44Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-10-04T01:35:06Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-10-04T19:33:49Z",
          "login",
          "D2",
          "192.0.2.210",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          ""
        ],
        [
          "2026-10-05T19:22:22Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-10-05T21:03:29Z",
          "secure_message_sent",
          "D2",
          "192.0.2.150",
          "Mobile carrier, Cincinnati OH",
          "Face ID",
          "See member_contacts"
        ],
        [
          "2026-10-06T00:54:59Z",
          "login",
          "D2",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Face ID",
          ""
        ],
        [
          "2026-10-06T14:22:00Z",
          "limit_change",
          "Staff",
          "",
          "",
          "",
          "External transfer limit $5,000 -> $30,000 per day until 2026-10-13 (member request, callback to phone on file)"
        ],
        [
          "2026-10-06T20:01:33Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ],
        [
          "2026-10-07T15:58:15Z",
          "login",
          "D1",
          "198.51.100.77",
          "Residential ISP, Mason OH",
          "Password + saved device",
          ""
        ]
      ]
    },
    "payees_and_external_accounts": {
      "columns": [
        "type",
        "name",
        "added",
        "added_from",
        "verification",
        "payments",
        "total_usd",
        "last_paid"
      ],
      "rows": [
        [
          "P2P",
          "KYLE BRANNIGAN",
          "2021-09-04",
          "D1",
          "Phone number enrolled with P2P network",
          23,
          905,
          "2026-09-13"
        ],
        [
          "P2P",
          "DANA CASTELLANO",
          "2022-12-24",
          "D2",
          "Phone number enrolled with P2P network",
          11,
          610,
          "2026-08-29"
        ],
        [
          "External account",
          "x4410, business checking at an online bank (title CASTELLANO FACILITY SOLUTIONS LLC)",
          "2026-09-25",
          "D1",
          "Instant verification; account title matches the LLC in his business application, not his own name",
          1,
          100,
          "2026-09-26"
        ]
      ]
    },
    "member_contacts": [
      {
        "ts": "2026-07-20T15:44:00Z",
        "channel": "Phone",
        "summary": "Member asked how to move his direct deposit; said he is leaving Kestrel Property Services at the end of July."
      },
      {
        "ts": "2026-09-10T13:15:00Z",
        "channel": "Phone",
        "summary": "Member asked to waive the 9/9 overdraft fee (car payment posted before his savings transfer). Refunded as a courtesy, first in 12 months."
      },
      {
        "ts": "2026-09-12T14:31:07Z",
        "channel": "Secure message",
        "summary": "From member: 'I started my own facilities maintenance company, Castellano Facility Solutions LLC. Can I open a business account online? A couple of clients may pay me into this account until it's set up.' Reply: link to the business application."
      },
      {
        "ts": "2026-09-12T14:46:52Z",
        "channel": "Business account application",
        "summary": "Castellano Facility Solutions LLC, single member Owen B. Castellano, Mason OH. Articles of organization uploaded (filed with the Ohio Secretary of State 2026-08-19). EIN confirmation letter not uploaded; application incomplete, reminder sent 2026-09-19."
      },
      {
        "ts": "2026-10-05T21:03:29Z",
        "channel": "Secure message",
        "summary": "From member: 'I have a $31,640 payment coming from Orleston Property Group for phase 1 of an HVAC retrofit. I need to move most of it to my business account to pay subcontractors and equipment. Can you raise my external transfer limit to $30,000 this week?'"
      },
      {
        "ts": "2026-10-06T14:22:00Z",
        "channel": "Phone (outbound)",
        "summary": "Callback to the phone on file to confirm the limit request. Member confirmed; said Orleston Property Group manages apartment buildings and hired him to coordinate an HVAC replacement at a Cincinnati property. Said their regional manager found him through a professional networking site in September, that he coordinates the work remotely through local subcontractors, and that he plans to visit the site later this month. Said the equipment comes from a supplier Orleston Property Group uses at its other properties, which asked for a deposit by wire. Limit raised until 2026-10-13."
      }
    ],
    "credit_under_review": {
      "received": "2026-10-08T06:30:00Z",
      "posted": "2026-10-08T10:15:36Z",
      "rail": "ACH, next-day (settled 2026-10-08)",
      "sec_code": "CCD",
      "amount_usd": 31640,
      "company_name": "ORLESTON PROP MG",
      "company_id": "x3307",
      "company_entry_description": "VENDOR PMT",
      "receiver_name": "CASTELLANO FACILITY SO",
      "receiver_id_number": "V2291",
      "addenda": "INV 1003 PH1 HVAC RETROFIT BLDG C D",
      "sending_bank": "Regional bank, Tampa FL (routing xxxxx1186)",
      "trace_number": "xxxxxxxxxx75512",
      "account_number_in_entry": "x6623 (matches this account)",
      "return_deadline": "R17 return must reach the sending bank by opening of business 2026-10-13 (2 banking days after settlement; 2026-10-12 is a Federal Reserve holiday)"
    },
    "originator_and_sending_bank": {
      "originator_history_with_this_account": "One entry: 2026-09-24 CCD $2,150.00, receiver CASTELLANO FACILITY SO, addenda INV 1001 SITE ASSESSMENT; not returned or disputed. No entry for an invoice 1002",
      "originator_history_at_our_bank": "No entries from company ID x3307 to any other member in the 24 months on file",
      "sending_bank_history": "2,310 entries to our members in the last 12 months; 0.3% returned; 1 fraud report (2025, unrelated originator)",
      "sending_bank_contact": "ACH fraud desk on file (phone and secure email); not yet contacted by us",
      "receiver_name_check": "CASTELLANO FACILITY SO does not match the owner (OWEN B CASTELLANO) except by surname; matches the LLC named in his incomplete business application",
      "consortium_checks": "Member identity, phone and email: no fraud reports. External account x4410: no reports (opened recently, little history)"
    },
    "notices_from_sending_bank": [
      {
        "ts": "2026-10-08T14:20:00Z",
        "channel": "Phone call to our ACH operations",
        "summary": "Caller from the sending bank's ACH operations asked us to confirm the name on the account that received trace xxxxxxxxxx75512, saying their customer's accounts payable team was verifying a vendor's bank account. No fraud claim and no request to return. We declined to confirm account details by phone and asked for a written request; none received yet."
      }
    ],
    "activity_since_credit": [
      {
        "ts": "2026-10-08T12:41:15Z",
        "type": "login",
        "device": "D1",
        "ip": "198.51.100.77",
        "network": "Residential ISP, Mason OH",
        "auth": "Password + saved device"
      },
      {
        "ts": "2026-10-08T12:44:02Z",
        "type": "external_transfer",
        "device": "D1",
        "amount_usd": 24000,
        "to": "x4410, business checking at an online bank (linked 2026-09-25)",
        "status": "Pending, sends in the 14:00 ET ACH window"
      },
      {
        "ts": "2026-10-08T12:48:51Z",
        "type": "login",
        "device": "D2",
        "ip": "192.0.2.150",
        "network": "Mobile carrier, Cincinnati OH",
        "auth": "Face ID"
      },
      {
        "ts": "2026-10-08T12:49:37Z",
        "type": "p2p_payee_added",
        "device": "D2",
        "payee": "JUSTIN KOEHLER, individual, never paid"
      },
      {
        "ts": "2026-10-08T12:50:20Z",
        "type": "p2p_payment",
        "device": "D2",
        "amount_usd": 1800,
        "to": "JUSTIN KOEHLER",
        "memo": "Bldg C duct work",
        "status": "Sent"
      },
      {
        "ts": "2026-10-08T13:32:48Z",
        "type": "card_authorization",
        "card": "x9104",
        "amount_usd": 1146.2,
        "merchant": "GRAINGER 912 CINCINNATI OH",
        "status": "Approved, pending"
      },
      {
        "ts": "2026-10-08T13:58:06Z",
        "type": "online_wire_request",
        "device": "D1",
        "amount_usd": 4950,
        "beneficiary": "COOLRIDGE MECHANICAL SUPPLY LLC, business account at another US bank, never paid",
        "memo": "Equipment deposit PO 1003-A",
        "status": "Pending, queued for the 15:00 ET wire cutoff"
      }
    ],
    "balances": {
      "ledger_before_credit_usd": 700.78,
      "ledger_now_usd": 30540.78,
      "available_now_usd": 444.58,
      "pending_outbound_usd": {
        "external_transfer": 24000,
        "card_authorization": 1146.2,
        "wire": 4950
      }
    }
  },
  "questions": {
    "proceeds_of_fraud": {
      "type": "noul",
      "instructions": "Is the credit under review the proceeds of fraud against the sender or someone else, such as business email compromise, account takeover, payroll diversion or a scam?"
    },
    "mule_likelihood": {
      "type": "score",
      "instructions": "How likely is it that the account holder is acting as a money mule, knowingly or unknowingly, by receiving the credit under review and moving it on for someone else?",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "action": {
      "type": "choice",
      "instructions": "What should the receiving institution do with the credit under review?",
      "criteria": {
        "release": "Release the funds and allow normal account activity",
        "hold_and_contact": "Hold the funds, restrict outbound transfers and contact the sending bank to confirm the payment",
        "return": "Return the credit to the sending bank as suspected fraud and restrict outbound transfers"
      }
    }
  }
}