{
  "model": "grayson-1",
  "state": {
    "review": {
      "as_of": "2026-10-06T16:40:00Z",
      "queue": "Incoming ACH review",
      "trigger": "Same-day ACH CCD credit of $46,215.00 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-11 outbound transfer of more than 50% of a credit within 24 hours of posting",
        "DIG-03 device first seen in the last 30 days on a hosting-provider network"
      ],
      "funds_status": "Credit posted with funds available; no hold placed at posting"
    },
    "member": {
      "name": "Kendra L. Moyer",
      "age": 29,
      "member_since": "2026-03-02",
      "address": "Dayton, OH (apartment; at this address since 2024 per bureau)",
      "occupation_at_opening": "Retail sales associate, Riverbend Outfitters",
      "stated_monthly_deposits_usd": 2500,
      "identity_verification_at_opening": "Passed: driver's license authenticated, selfie match, bureau address and SSN match",
      "account_screening_at_opening": "No prior account closures for cause",
      "phone_on_file": "(937) 555-0144, unchanged since opening, mobile, 6 years tenure",
      "email_on_file": "kmoyer.ky@example.com, unchanged since opening",
      "risk_rating": "Standard",
      "business_relationships_on_file": "None",
      "other_products": [
        "Share savings x4419 ($5.00)",
        "Auto loan x4420 ($6,112.80 remaining, current)"
      ]
    },
    "account": {
      "account": "Personal checking x4418",
      "owners": [
        "Kendra L. Moyer"
      ],
      "opened": "2026-03-02",
      "opening_channel": "Online application",
      "debit_card": "x8830, active",
      "limits": {
        "online_wire_per_day_usd": 10000,
        "external_transfer_per_day_usd": 10000,
        "p2p_per_day_usd": 2500,
        "atm_per_day_usd": 500,
        "courtesy_pay_usd": 500
      },
      "largest_ach_credit_prior_12_months_usd": 4870,
      "average_balance_90d_usd": 1025.3
    },
    "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",
          2217.41,
          3,
          1907.84,
          29,
          1493.94,
          0
        ],
        [
          "2026-06",
          2335.59,
          3,
          2351.25,
          35,
          1478.28,
          0
        ],
        [
          "2026-07",
          3383.43,
          4,
          2868.03,
          36,
          1993.68,
          0
        ],
        [
          "2026-08",
          872.66,
          2,
          2098.96,
          30,
          767.38,
          0
        ],
        [
          "2026-09",
          7004,
          8,
          6406.96,
          26,
          1364.42,
          1
        ],
        [
          "2026-10",
          612.4,
          1,
          1112.7,
          5,
          864.12,
          0
        ]
      ]
    },
    "transactions": {
      "note": "Posted items 2026-05-01 to 2026-10-05; debits negative; balance is the ledger balance after each item",
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-05-01",
          "ACH debit",
          "ASHFORD COMMONS RENT WEB",
          -925,
          259.37
        ],
        [
          "2026-05-02",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -42.43,
          216.94
        ],
        [
          "2026-05-05",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -118.4,
          98.54
        ],
        [
          "2026-05-06",
          "Card",
          "WENDY'S #4420 DAYTON OH",
          -6.42,
          92.12
        ],
        [
          "2026-05-07",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -42.27,
          49.85
        ],
        [
          "2026-05-08",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          1137.85,
          1187.7
        ],
        [
          "2026-05-08",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -8.2,
          1179.5
        ],
        [
          "2026-05-09",
          "Card",
          "NETFLIX.COM",
          -15.49,
          1164.01
        ],
        [
          "2026-05-09",
          "Card",
          "KROGER FUEL #0457 DAYTON OH",
          -34.74,
          1129.27
        ],
        [
          "2026-05-10",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -15.34,
          1113.93
        ],
        [
          "2026-05-11",
          "Card",
          "SPECTRUM",
          -65,
          1048.93
        ],
        [
          "2026-05-12",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -10.36,
          1038.57
        ],
        [
          "2026-05-13",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -12.85,
          1025.72
        ],
        [
          "2026-05-14",
          "Card",
          "SPOTIFY USA",
          -11.99,
          1013.73
        ],
        [
          "2026-05-15",
          "Transfer out",
          "TRANSFER TO LOAN x4420 AUTO",
          -214,
          799.73
        ],
        [
          "2026-05-16",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -16.41,
          783.32
        ],
        [
          "2026-05-17",
          "Card",
          "MCDONALD'S F12873 DAYTON OH",
          -15.92,
          767.4
        ],
        [
          "2026-05-18",
          "ACH debit",
          "AES OHIO UTIL PAYMENT",
          -74.1,
          693.3
        ],
        [
          "2026-05-18",
          "Card",
          "KROGER FUEL #0457 DAYTON OH",
          -35.95,
          657.35
        ],
        [
          "2026-05-19",
          "Card",
          "STARBUCKS STORE 08812 DAYTON OH",
          -10.35,
          647
        ],
        [
          "2026-05-20",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -9.48,
          637.52
        ],
        [
          "2026-05-21",
          "Card",
          "APPLE.COM/BILL",
          -2.99,
          634.53
        ],
        [
          "2026-05-22",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          1039.56,
          1674.09
        ],
        [
          "2026-05-22",
          "Card",
          "T-MOBILE",
          -55,
          1619.09
        ],
        [
          "2026-05-22",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -70.07,
          1549.02
        ],
        [
          "2026-05-23",
          "P2P in",
          "P2P FROM TASHA GRANT",
          40,
          1589.02
        ],
        [
          "2026-05-23",
          "Card",
          "STARBUCKS STORE 08812 DAYTON OH",
          -11.7,
          1577.32
        ],
        [
          "2026-05-24",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -12.45,
          1564.87
        ],
        [
          "2026-05-26",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -11.03,
          1553.84
        ],
        [
          "2026-05-26",
          "Card",
          "MARATHON PETRO 122334 DAYTON OH",
          -38.18,
          1515.66
        ],
        [
          "2026-05-27",
          "Card",
          "STARBUCKS STORE 08812 DAYTON OH",
          -14.93,
          1500.73
        ],
        [
          "2026-05-29",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -6.79,
          1493.94
        ],
        [
          "2026-06-01",
          "ACH debit",
          "ASHFORD COMMONS RENT WEB",
          -925,
          568.94
        ],
        [
          "2026-06-02",
          "Card",
          "KROGER #0457 DAYTON OH",
          -43.69,
          525.25
        ],
        [
          "2026-06-02",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -11.5,
          513.75
        ],
        [
          "2026-06-04",
          "Card",
          "KROGER FUEL #0457 DAYTON OH",
          -31.56,
          482.19
        ],
        [
          "2026-06-04",
          "ATM",
          "ATM WITHDRAWAL #0312 4410 SALEM AVE DAYTON OH",
          -80,
          402.19
        ],
        [
          "2026-06-05",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          1107.63,
          1509.82
        ],
        [
          "2026-06-05",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -118.4,
          1391.42
        ],
        [
          "2026-06-05",
          "Card",
          "KROGER #0457 DAYTON OH",
          -35.18,
          1356.24
        ],
        [
          "2026-06-06",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -16.97,
          1339.27
        ],
        [
          "2026-06-09",
          "Card",
          "NETFLIX.COM",
          -15.49,
          1323.78
        ],
        [
          "2026-06-09",
          "Card",
          "DOORDASH*DINERS",
          -11.44,
          1312.34
        ],
        [
          "2026-06-11",
          "Card",
          "SPECTRUM",
          -65,
          1247.34
        ],
        [
          "2026-06-11",
          "Card",
          "AMAZON MKTPL*UXJUJ7E5L",
          -36.81,
          1210.53
        ],
        [
          "2026-06-12",
          "P2P in",
          "P2P FROM DENISE MOYER",
          150,
          1360.53
        ],
        [
          "2026-06-12",
          "Card",
          "SPEEDWAY 09411 DAYTON OH",
          -34.6,
          1325.93
        ],
        [
          "2026-06-12",
          "P2P out",
          "P2P TO JAMAL REESE",
          -20,
          1305.93
        ],
        [
          "2026-06-14",
          "Card",
          "SPOTIFY USA",
          -11.99,
          1293.94
        ],
        [
          "2026-06-15",
          "Transfer out",
          "TRANSFER TO LOAN x4420 AUTO",
          -214,
          1079.94
        ],
        [
          "2026-06-15",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -8.56,
          1071.38
        ],
        [
          "2026-06-16",
          "Card",
          "WENDY'S #4420 DAYTON OH",
          -13.8,
          1057.58
        ],
        [
          "2026-06-18",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          1077.96,
          2135.54
        ],
        [
          "2026-06-18",
          "ACH debit",
          "AES OHIO UTIL PAYMENT",
          -104.06,
          2031.48
        ],
        [
          "2026-06-18",
          "Card",
          "KROGER #0457 DAYTON OH",
          -36.36,
          1995.12
        ],
        [
          "2026-06-19",
          "Card",
          "KROGER FUEL #0457 DAYTON OH",
          -36.29,
          1958.83
        ],
        [
          "2026-06-21",
          "Card",
          "APPLE.COM/BILL",
          -2.99,
          1955.84
        ],
        [
          "2026-06-21",
          "Card",
          "KROGER #0457 DAYTON OH",
          -13.5,
          1942.34
        ],
        [
          "2026-06-22",
          "Card",
          "T-MOBILE",
          -55,
          1887.34
        ],
        [
          "2026-06-22",
          "Card",
          "WALMART SUPERCENTER #2194 HUBER HEIGHTS OH",
          -52.1,
          1835.24
        ],
        [
          "2026-06-22",
          "Card",
          "AMAZON MKTPL*21F7HFR3K",
          -37.21,
          1798.03
        ],
        [
          "2026-06-25",
          "Card",
          "ALDI 64011 DAYTON OH",
          -51.67,
          1746.36
        ],
        [
          "2026-06-25",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -11.29,
          1735.07
        ],
        [
          "2026-06-26",
          "Card",
          "KROGER #0457 DAYTON OH",
          -22.14,
          1712.93
        ],
        [
          "2026-06-26",
          "Card",
          "SHELL OIL 57444193 DAYTON OH",
          -37.96,
          1674.97
        ],
        [
          "2026-06-29",
          "Card",
          "WALMART SUPERCENTER #2194 HUBER HEIGHTS OH",
          -56.72,
          1618.25
        ],
        [
          "2026-06-29",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -12.89,
          1605.36
        ],
        [
          "2026-06-29",
          "Card",
          "SHEIN.COM",
          -50.68,
          1554.68
        ],
        [
          "2026-06-30",
          "Card",
          "ALDI 64011 DAYTON OH",
          -64.93,
          1489.75
        ],
        [
          "2026-06-30",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -11.47,
          1478.28
        ],
        [
          "2026-07-01",
          "ACH debit",
          "ASHFORD COMMONS RENT WEB",
          -925,
          553.28
        ],
        [
          "2026-07-02",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          1121.72,
          1675
        ],
        [
          "2026-07-04",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -14.84,
          1660.16
        ],
        [
          "2026-07-05",
          "Card",
          "MCDONALD'S F12873 DAYTON OH",
          -11.05,
          1649.11
        ],
        [
          "2026-07-05",
          "Card",
          "KROGER FUEL #0457 DAYTON OH",
          -25.32,
          1623.79
        ],
        [
          "2026-07-06",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -118.4,
          1505.39
        ],
        [
          "2026-07-06",
          "Card",
          "ALDI 64011 DAYTON OH",
          -59.67,
          1445.72
        ],
        [
          "2026-07-07",
          "Card",
          "KROGER #0457 DAYTON OH",
          -21.43,
          1424.29
        ],
        [
          "2026-07-07",
          "Card",
          "DOORDASH*DINERS",
          -6.82,
          1417.47
        ],
        [
          "2026-07-08",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -7.57,
          1409.9
        ],
        [
          "2026-07-09",
          "Card",
          "NETFLIX.COM",
          -15.49,
          1394.41
        ],
        [
          "2026-07-10",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -7.62,
          1386.79
        ],
        [
          "2026-07-11",
          "P2P in",
          "P2P FROM TASHA GRANT",
          25,
          1411.79
        ],
        [
          "2026-07-11",
          "Card",
          "SPECTRUM",
          -65,
          1346.79
        ],
        [
          "2026-07-11",
          "Card",
          "WENDY'S #4420 DAYTON OH",
          -13.3,
          1333.49
        ],
        [
          "2026-07-13",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -16.37,
          1317.12
        ],
        [
          "2026-07-13",
          "Card",
          "MARATHON PETRO 122334 DAYTON OH",
          -25.94,
          1291.18
        ],
        [
          "2026-07-14",
          "Card",
          "SPOTIFY USA",
          -11.99,
          1279.19
        ],
        [
          "2026-07-15",
          "Transfer out",
          "TRANSFER TO LOAN x4420 AUTO",
          -214,
          1065.19
        ],
        [
          "2026-07-16",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -33.97,
          1031.22
        ],
        [
          "2026-07-17",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          1154.49,
          2185.71
        ],
        [
          "2026-07-18",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -7.88,
          2177.83
        ],
        [
          "2026-07-19",
          "Card",
          "WENDY'S #4420 DAYTON OH",
          -16.99,
          2160.84
        ],
        [
          "2026-07-19",
          "Card",
          "FIVE BELOW 4412 DAYTON OH",
          -23.95,
          2136.89
        ],
        [
          "2026-07-20",
          "ACH debit",
          "AES OHIO UTIL PAYMENT",
          -106.92,
          2029.97
        ],
        [
          "2026-07-20",
          "Card",
          "ALDI 64011 DAYTON OH",
          -73.02,
          1956.95
        ],
        [
          "2026-07-21",
          "Card",
          "MIDAS 1872 DAYTON OH",
          -684.52,
          1272.43
        ],
        [
          "2026-07-21",
          "Card",
          "APPLE.COM/BILL",
          -2.99,
          1269.44
        ],
        [
          "2026-07-22",
          "Card",
          "T-MOBILE",
          -55,
          1214.44
        ],
        [
          "2026-07-22",
          "Card",
          "ALDI 64011 DAYTON OH",
          -58.35,
          1156.09
        ],
        [
          "2026-07-22",
          "Card",
          "KROGER FUEL #0457 DAYTON OH",
          -41.19,
          1114.9
        ],
        [
          "2026-07-24",
          "Card",
          "DOORDASH*DINERS",
          -17.97,
          1096.93
        ],
        [
          "2026-07-25",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -7.22,
          1089.71
        ],
        [
          "2026-07-26",
          "Card",
          "WALMART SUPERCENTER #2194 HUBER HEIGHTS OH",
          -62.7,
          1027.01
        ],
        [
          "2026-07-27",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -10.37,
          1016.64
        ],
        [
          "2026-07-28",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -48.26,
          968.38
        ],
        [
          "2026-07-28",
          "Card",
          "MCDONALD'S F12873 DAYTON OH",
          -9.57,
          958.81
        ],
        [
          "2026-07-29",
          "Card",
          "TACO BELL #031455 DAYTON OH",
          -11.58,
          947.23
        ],
        [
          "2026-07-29",
          "Card",
          "SHELL OIL 57444193 DAYTON OH",
          -35.77,
          911.46
        ],
        [
          "2026-07-31",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          1082.22,
          1993.68
        ],
        [
          "2026-08-01",
          "Card",
          "KROGER #0457 DAYTON OH",
          -71.42,
          1922.26
        ],
        [
          "2026-08-02",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -67.51,
          1854.75
        ],
        [
          "2026-08-03",
          "ACH debit",
          "ASHFORD COMMONS RENT WEB",
          -925,
          929.75
        ],
        [
          "2026-08-05",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -118.4,
          811.35
        ],
        [
          "2026-08-05",
          "Card",
          "KROGER #0457 DAYTON OH",
          -54.48,
          756.87
        ],
        [
          "2026-08-07",
          "Card",
          "ALDI 64011 DAYTON OH",
          -33.44,
          723.43
        ],
        [
          "2026-08-08",
          "Card",
          "WENDY'S #4420 DAYTON OH",
          -12.13,
          711.3
        ],
        [
          "2026-08-08",
          "Card",
          "SPEEDWAY 09411 DAYTON OH",
          -35.79,
          675.51
        ],
        [
          "2026-08-09",
          "Card",
          "NETFLIX.COM",
          -15.49,
          660.02
        ],
        [
          "2026-08-09",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -8.94,
          651.08
        ],
        [
          "2026-08-10",
          "Card",
          "MCDONALD'S F12873 DAYTON OH",
          -18.86,
          632.22
        ],
        [
          "2026-08-11",
          "Card",
          "SPECTRUM",
          -65,
          567.22
        ],
        [
          "2026-08-12",
          "Card",
          "WALMART SUPERCENTER #2194 HUBER HEIGHTS OH",
          -12.03,
          555.19
        ],
        [
          "2026-08-14",
          "ACH credit",
          "RIVERBEND OUTFIT PAYROLL PPD KENDRA MOYER",
          812.66,
          1367.85
        ],
        [
          "2026-08-14",
          "Card",
          "SPOTIFY USA",
          -11.99,
          1355.86
        ],
        [
          "2026-08-14",
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          1110.14
        ],
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          "KROGER FUEL #0457 DAYTON OH",
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          1079.54
        ],
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          "2026-08-18",
          "ACH debit",
          "AES OHIO UTIL PAYMENT",
          -110.31,
          969.23
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          959.39
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          919.39
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          "2026-08-21",
          "Card",
          "APPLE.COM/BILL",
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          916.4
        ],
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          "2026-08-22",
          "Card",
          "T-MOBILE",
          -55,
          861.4
        ],
        [
          "2026-08-23",
          "Card",
          "ALDI 64011 DAYTON OH",
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          827.53
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          "2026-08-25",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
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          820.46
        ],
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          "2026-08-27",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -12.45,
          808.01
        ],
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          "Card",
          "SPEEDWAY 09411 DAYTON OH",
          -36.84,
          771.17
        ],
        [
          "2026-08-28",
          "Card",
          "CHIPOTLE 2291 DAYTON OH",
          -10.71,
          760.46
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          "2026-08-29",
          "P2P in",
          "P2P FROM TASHA GRANT",
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          820.46
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          774.56
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          "Card",
          "DOORDASH*DINERS",
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          767.38
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          "2026-09-01",
          "ACH debit",
          "ASHFORD COMMONS RENT WEB",
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          -157.62
        ],
        [
          "2026-09-01",
          "Fee",
          "OVERDRAFT FEE PAID ITEM",
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          -186.62
        ],
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          "2026-09-02",
          "P2P in",
          "P2P FROM DENISE MOYER",
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          313.38
        ],
        [
          "2026-09-02",
          "Fee refund",
          "OVERDRAFT FEE REFUND COURTESY",
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          342.38
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          "KROGER FUEL #0457 DAYTON OH",
          -23.83,
          318.55
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          "Card",
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          -27.31,
          291.24
        ],
        [
          "2026-09-08",
          "ACH credit",
          "STATE UI BENEFIT UI PAYMENT PPD KENDRA MOYER",
          562,
          853.24
        ],
        [
          "2026-09-08",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
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          734.84
        ],
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          "2026-09-08",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
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          687.71
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          "STARBUCKS STORE 08812 DAYTON OH",
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          680.24
        ],
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          "2026-09-09",
          "Card",
          "NETFLIX.COM",
          -15.49,
          664.75
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          "2026-09-11",
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          599.75
        ],
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          580.99
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          571.28
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          "Card",
          "SPOTIFY USA",
          -11.99,
          559.29
        ],
        [
          "2026-09-15",
          "ACH credit",
          "STATE UI BENEFIT UI PAYMENT PPD KENDRA MOYER",
          281,
          840.29
        ],
        [
          "2026-09-15",
          "Transfer out",
          "TRANSFER TO LOAN x4420 AUTO",
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          626.29
        ],
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          601.75
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          "2026-09-17",
          "Card",
          "DOORDASH*DINERS",
          -13.29,
          588.46
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        [
          "2026-09-18",
          "ACH debit",
          "AES OHIO UTIL PAYMENT",
          -92.12,
          496.34
        ],
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          "2026-09-18",
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          "STARBUCKS STORE 08812 DAYTON OH",
          -5.42,
          490.92
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          "2026-09-19",
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          690.92
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          "2026-09-21",
          "Card",
          "APPLE.COM/BILL",
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          687.93
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          "2026-09-22",
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          281,
          968.93
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        [
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          913.93
        ],
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          872.58
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          858.75
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          838.75
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        [
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          831.77
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        [
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          "GOLD STAR CHILI #12 DAYTON OH",
          -18.35,
          813.42
        ],
        [
          "2026-09-29",
          "ACH credit",
          "STATE UI BENEFIT UI PAYMENT PPD KENDRA MOYER",
          281,
          1094.42
        ],
        [
          "2026-09-29",
          "ACH credit",
          "PELLWORTH DENTAL VENDOR PMT CCD KESSWICK MEDICAL SUPPL",
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          5964.42
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          1564.42
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          1364.42
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          "2026-10-01",
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          439.42
        ],
        [
          "2026-10-01",
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          "SPEEDWAY 09411 DAYTON OH",
          -24.18,
          415.24
        ],
        [
          "2026-10-02",
          "ACH credit",
          "ORVELLE TRADE PA PAYROLL PPD KENDRA MOYER",
          612.4,
          1027.64
        ],
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          "2026-10-02",
          "Card",
          "DOLLAR GENERAL #14420 DAYTON OH",
          -47.21,
          980.43
        ],
        [
          "2026-10-02",
          "Card",
          "GOLD STAR CHILI #12 DAYTON OH",
          -16.31,
          964.12
        ],
        [
          "2026-10-03",
          "ATM",
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          864.12
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          "2026-08-14",
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          0
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          "2026-09-29",
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          0
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          "2026-09-29",
          1,
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          0
        ],
        [
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          "x9930",
          "PPD",
          "PAYROLL",
          [
            "KENDRA MOYER"
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          "2026-10-02",
          "2026-10-02",
          1,
          612.4,
          0
        ]
      ]
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          "2026-10-06",
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          "Windows PC, Chrome, online banking",
          "2026-09-23",
          "2026-10-06",
          5,
          "Hosting provider, Houston TX (203.0.113.88)"
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    "online_banking_log": {
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          "Face ID",
          ""
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          "192.0.2.135",
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          "Face ID",
          ""
        ],
        [
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          "login",
          "D1",
          "192.0.2.61",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-05T03:21:55Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
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        [
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          "login",
          "D1",
          "192.0.2.147",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
        ],
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          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
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        [
          "2026-09-07T22:27:34Z",
          "login",
          "D1",
          "192.0.2.78",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
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          "login",
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          "Residential ISP, Dayton OH",
          "Face ID",
          ""
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          "login",
          "D1",
          "192.0.2.181",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
        ],
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          "2026-09-11T05:41:41Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-12T03:08:23Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
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          "2026-09-13T05:34:13Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
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          "2026-09-14T05:21:04Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-16T03:23:41Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-17T05:37:35Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-18T00:51:42Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-19T00:30:14Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-20T02:19:07Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-21T00:44:49Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-22T02:53:47Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-23T15:48:12Z",
          "secure_message_sent",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          "See member_contacts"
        ],
        [
          "2026-09-23T19:41:13Z",
          "login",
          "D2",
          "203.0.113.88",
          "Hosting provider, Houston TX",
          "Password + SMS code (entered 41 s after sending)",
          "New device"
        ],
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          "external_account_linked",
          "D2",
          "203.0.113.88",
          "Hosting provider, Houston TX",
          "",
          "Account x9012 at a cryptocurrency exchange; instant verification; owner name KENDRA MOYER"
        ],
        [
          "2026-09-24T02:01:32Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-25T14:02:31Z",
          "login",
          "D2",
          "203.0.113.88",
          "Hosting provider, Houston TX",
          "Password + SMS code",
          ""
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          "external_transfer",
          "D2",
          "203.0.113.88",
          "Hosting provider, Houston TX",
          "",
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        ],
        [
          "2026-09-26T02:03:52Z",
          "login",
          "D1",
          "192.0.2.179",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-28T22:02:22Z",
          "login",
          "D1",
          "192.0.2.85",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
        ],
        [
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          "203.0.113.88",
          "Hosting provider, Houston TX",
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          ""
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          "external_transfer",
          "D2",
          "203.0.113.88",
          "Hosting provider, Houston TX",
          "",
          "$4,400.00 to x9012"
        ],
        [
          "2026-09-29T14:11:57Z",
          "login",
          "D1",
          "192.0.2.61",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-30T00:07:56Z",
          "login",
          "D1",
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          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
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          "login",
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          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-10-02T13:51:20Z",
          "login",
          "D2",
          "203.0.113.88",
          "Hosting provider, Houston TX",
          "Password + SMS code",
          "Viewed transaction history"
        ],
        [
          "2026-10-02T23:15:30Z",
          "login",
          "D1",
          "192.0.2.63",
          "Mobile carrier, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-10-04T04:48:31Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
        ],
        [
          "2026-10-04T23:53:00Z",
          "login",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          ""
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        [
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          "secure_message_sent",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "Face ID",
          "See member_contacts"
        ],
        [
          "2026-10-05T16:24:40Z",
          "limit_change_requested",
          "D1",
          "198.51.100.23",
          "Residential ISP, Dayton OH",
          "",
          "Online wire limit to $50,000; P2P limit increase"
        ]
      ]
    },
    "payees_and_external_accounts": {
      "columns": [
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        "name",
        "added",
        "added_from",
        "verification",
        "payments",
        "total_usd",
        "last_paid"
      ],
      "rows": [
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          "JAMAL REESE",
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          "D1",
          "Phone number enrolled with P2P network",
          7,
          185,
          "2026-08-30"
        ],
        [
          "P2P",
          "TASHA GRANT",
          "2026-03-20",
          "D1",
          "Phone number enrolled with P2P network",
          6,
          150,
          "2026-07-26"
        ],
        [
          "External account",
          "x9012, cryptocurrency exchange",
          "2026-09-23",
          "D2",
          "Instant verification, owner name KENDRA MOYER",
          2,
          4420,
          "2026-09-29"
        ]
      ]
    },
    "member_contacts": [
      {
        "ts": "2026-06-04T17:12:00Z",
        "channel": "Phone",
        "summary": "Member asked when her direct deposit posts on a Friday holiday. Told the prior business day."
      },
      {
        "ts": "2026-09-02T15:31:00Z",
        "channel": "Phone",
        "summary": "Member asked to waive the 9/1 overdraft fee; said she lost her job in August and is waiting on unemployment. Fee refunded as a courtesy (first in 12 months)."
      },
      {
        "ts": "2026-09-23T15:48:12Z",
        "channel": "Secure message",
        "summary": "From member: 'Hi, I got a new remote job as a payment processing coordinator. Part of the job is receiving payments from my company's clients and sending them on to vendors. Is that ok on my personal account or do I need to tell you anything?'"
      },
      {
        "ts": "2026-09-24T14:10:00Z",
        "channel": "Secure message",
        "summary": "Reply from member services: personal accounts are for personal use and business payments may need a business account. Warned that scammers recruit people through remote jobs to move money through their accounts, and asked her to call before sending money for anyone."
      },
      {
        "ts": "2026-10-05T16:22:05Z",
        "channel": "Secure message",
        "summary": "From member: 'I'm getting a payment of $46,215 from one of my employer's clients tomorrow and I have to send it to the supplier the same day. Can you raise my wire limit to $50,000? The supplier is Bramwick Timber Supply.'"
      },
      {
        "ts": "2026-10-05T19:40:00Z",
        "channel": "Phone",
        "summary": "Member called about the wire limit. Agent explained the online wire limit is $10,000 a day for accounts open less than 12 months and larger wires need a phone or branch request and are reviewed. Member said she works for Orvelle Trade Partners, was hired after an interview over a messaging app and has not met her manager in person. Agent read the job-scam warning (script FR-7). Member said the company is legitimate and she signed a contract. No limit change made."
      }
    ],
    "credit_under_review": {
      "received": "2026-10-06T15:12:40Z",
      "posted": "2026-10-06T15:14:02Z",
      "rail": "Same-day ACH, first window (settles 2026-10-06)",
      "sec_code": "CCD",
      "amount_usd": 46215,
      "company_name": "QUELLMAN MILLWRK",
      "company_id": "x4471",
      "company_entry_description": "VENDOR PAY",
      "receiver_name": "BRAMWICK TIMBER SUPPLY",
      "receiver_id_number": "NTS-0042",
      "addenda": "INV 88213 88240 88252 NET 30",
      "sending_bank": "Community bank, Eau Claire WI (routing xxxxx0419)",
      "trace_number": "xxxxxxxxxx21344",
      "account_number_in_entry": "x4418 (matches this account)",
      "return_deadline": "R17 return must reach the sending bank by opening of business 2026-10-08 (2 banking days after settlement)"
    },
    "originator_and_sending_bank": {
      "originator_history_with_this_account": "None before this entry",
      "originator_history_at_our_bank": "No entries from company ID x4471 to any member in the 24 months on file",
      "sending_bank_history": "312 entries to our members in the last 12 months, mostly PPD payroll; 2 returned (0.6%), no fraud reports",
      "sending_bank_contact": "ACH fraud desk on file (phone and secure email); not yet contacted",
      "receiver_name_check": "BRAMWICK TIMBER SUPPLY does not match the owner (KENDRA L MOYER); no member or business at our bank by that name",
      "earlier_mismatched_credit": "2026-09-29 CCD $4,870.00 from PELLWORTH DENTAL to receiver KESSWICK MEDICAL SUPPL; $4,400.00 sent to the crypto exchange account 2 hours after posting",
      "consortium_checks": "Member identity, phone and email: no fraud reports. Crypto exchange account x9012: no reports"
    },
    "notices_from_sending_bank": [],
    "activity_since_credit": [
      {
        "ts": "2026-10-06T15:21:07Z",
        "type": "login",
        "device": "D2",
        "ip": "203.0.113.88",
        "network": "Hosting provider, Houston TX",
        "auth": "Password + SMS code"
      },
      {
        "ts": "2026-10-06T15:23:40Z",
        "type": "external_transfer",
        "device": "D2",
        "amount_usd": 9500,
        "to": "x9012, cryptocurrency exchange (linked 2026-09-23)",
        "status": "Pending, sends in the 15:00 ET ACH window"
      },
      {
        "ts": "2026-10-06T15:29:12Z",
        "type": "online_wire_request",
        "device": "D2",
        "amount_usd": 36000,
        "beneficiary": "BRAMWICK TIMBER SUPPLY, business account at another US bank, never paid",
        "status": "Rejected: over online wire limit"
      },
      {
        "ts": "2026-10-06T15:31:55Z",
        "type": "login",
        "device": "D1",
        "ip": "192.0.2.61",
        "network": "Mobile carrier, Dayton OH",
        "auth": "Face ID"
      },
      {
        "ts": "2026-10-06T15:33:10Z",
        "type": "p2p_payee_added",
        "device": "D1",
        "payee": "MARCUS LEDFORD, individual, never paid"
      },
      {
        "ts": "2026-10-06T15:33:48Z",
        "type": "p2p_payment",
        "device": "D1",
        "amount_usd": 2500,
        "to": "MARCUS LEDFORD",
        "status": "Sent (real-time, cannot be recalled)"
      },
      {
        "ts": "2026-10-06T15:58:30Z",
        "type": "phone_call",
        "summary": "Member asked for a $33,700 wire to Bramwick Timber Supply by phone, reading the beneficiary details from a text message from her manager. Said the supplier must be paid today. Agent placed the request in the fraud review queue and told her it would be reviewed."
      },
      {
        "ts": "2026-10-06T16:05:19Z",
        "type": "atm_withdrawal",
        "amount_usd": 500,
        "location": "ATM #0312, 4410 Salem Ave, Dayton OH",
        "status": "Posted"
      },
      {
        "ts": "2026-10-06T16:31:02Z",
        "type": "phone_wire_request",
        "amount_usd": 33700,
        "beneficiary": "BRAMWICK TIMBER SUPPLY",
        "status": "Pending fraud review"
      }
    ],
    "balances": {
      "ledger_before_credit_usd": 864.12,
      "ledger_now_usd": 44079.12,
      "available_now_usd": 34579.12,
      "pending_outbound_usd": {
        "external_transfer": 9500,
        "phone_wire_request": 33700
      }
    }
  },
  "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"
      }
    }
  }
}