{
  "model": "grayson-1",
  "state": {
    "review": {
      "as_of": "2026-10-02T14:30:00Z",
      "queue": "Incoming ACH review",
      "trigger": "ACH CCD credit of $18,740.00 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",
        "DIG-01 device first seen in the last 7 days on an account receiving a credit over $10,000"
      ],
      "funds_status": "Credit posted with funds available; no hold placed at posting"
    },
    "member": {
      "name": "Hector A. Ruiz (joint owner Marisol P. Ruiz)",
      "age": 47,
      "member_since": "2014-08-22",
      "address": "Hilliard, OH (owned home; at this address since 2017)",
      "occupation_on_file": "Self-employed tile installer, sole proprietor, doing business as Ruiz Tile & Stone (recorded 2019-04-11, confirmed at the 2025 KYC refresh)",
      "joint_owner_occupation": "Medical receptionist, Briarwood Pediatrics",
      "stated_monthly_deposits_usd": 12000,
      "identity_verification": "Verified in branch at membership, 2014",
      "phone_on_file": "(614) 555-0172, unchanged since 2014",
      "email_on_file": "hruiz.tile@example.net, unchanged since 2019",
      "risk_rating": "Standard",
      "business_relationships_on_file": "Sole proprietor; DBA Ruiz Tile & Stone on file since 2019; no separate business account",
      "other_products": [
        "Savings x5107 ($22,410.36)",
        "Credit card x3391 (paid in full monthly)",
        "Auto loan x5110, paid off 2025-11"
      ]
    },
    "account": {
      "account": "Joint checking x5106",
      "owners": [
        "Hector A. Ruiz",
        "Marisol P. Ruiz"
      ],
      "opened": "2019-04-11",
      "opening_channel": "Branch",
      "debit_cards": [
        "x2207 (Hector)",
        "x2215 (Marisol)"
      ],
      "limits": {
        "online_wire_per_day_usd": 25000,
        "external_transfer_per_day_usd": 25000,
        "p2p_per_day_usd": 2500,
        "atm_per_day_usd": 800,
        "courtesy_pay_usd": 500
      },
      "largest_ach_credit_prior_12_months_usd": 11200,
      "average_balance_90d_usd": 12560.83
    },
    "prior_alerts_and_cases": [
      {
        "opened": "2025-03-14",
        "rule": "ACH-01 corporate credit over $10,000 to a consumer account",
        "item": "CCD $10,450.00 from BRANDT KOLB BLDR to RUIZ TILE AND STONE",
        "closed": "2025-03-14",
        "outcome": "No concern. Member is a sole proprietor with DBA on file; builder has paid him since 2024. Member offered invoice 1874 by email."
      }
    ],
    "monthly_summary": {
      "columns": [
        "month",
        "credits_usd",
        "credit_count",
        "debits_usd",
        "debit_count",
        "ending_balance_usd",
        "overdraft_or_nsf_fees"
      ],
      "rows": [
        [
          "2026-05",
          20789.03,
          7,
          16728.4,
          57,
          18941.05,
          0
        ],
        [
          "2026-06",
          21529.71,
          5,
          28791.07,
          68,
          11679.69,
          0
        ],
        [
          "2026-07",
          21885.2,
          7,
          16159.48,
          57,
          17405.41,
          0
        ],
        [
          "2026-08",
          16126.28,
          5,
          21545.14,
          64,
          11986.55,
          0
        ],
        [
          "2026-09",
          18630.73,
          6,
          22257.96,
          63,
          8359.32,
          0
        ],
        [
          "2026-10",
          0,
          0,
          2546.1,
          3,
          5813.22,
          0
        ]
      ]
    },
    "transactions": {
      "note": "Posted items 2026-05-01 to 2026-10-01; debits negative; balance is the ledger balance after each item",
      "columns": [
        "posted",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-05-01",
          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.17,
          12696.25
        ],
        [
          "2026-05-01",
          "Card",
          "SHEETZ 0612 COLUMBUS OH",
          -64.98,
          12631.27
        ],
        [
          "2026-05-01",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -920,
          11711.27
        ],
        [
          "2026-05-02",
          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
          -174.46,
          11536.81
        ],
        [
          "2026-05-02",
          "Card",
          "AMAZON MKTPL*BSO2XEPF3",
          -110.75,
          11426.06
        ],
        [
          "2026-05-03",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -158.37,
          11267.69
        ],
        [
          "2026-05-04",
          "Transfer out",
          "TRANSFER TO SAVINGS x5107",
          -1500,
          9767.69
        ],
        [
          "2026-05-04",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -242.18,
          9525.51
        ],
        [
          "2026-05-04",
          "Card",
          "MENARDS GROVE CITY OH",
          -56.69,
          9468.82
        ],
        [
          "2026-05-05",
          "Card",
          "MCDONALD'S F30871 HILLIARD OH",
          -53.28,
          9415.54
        ],
        [
          "2026-05-06",
          "Card",
          "SPECTRUM",
          -89.99,
          9325.55
        ],
        [
          "2026-05-07",
          "Card",
          "THE HOME DEPOT #3818 HILLIARD OH",
          -422.57,
          8902.98
        ],
        [
          "2026-05-08",
          "ACH credit",
          "BRIARWOOD PEDIAT PAYROLL PPD MARISOL RUIZ",
          1612.33,
          10515.31
        ],
        [
          "2026-05-08",
          "ACH credit",
          "HOLLOWAY HOMES SUBCONTRCT CCD HECTOR RUIZ",
          2840,
          13355.31
        ],
        [
          "2026-05-08",
          "Card",
          "INTUIT *QBOOKS ONLINE",
          -35,
          13320.31
        ],
        [
          "2026-05-08",
          "Card",
          "ALDI 77012 HILLIARD OH",
          -90.54,
          13229.77
        ],
        [
          "2026-05-08",
          "Card",
          "PANERA BREAD #600812 HILLIARD OH",
          -18.89,
          13210.88
        ],
        [
          "2026-05-08",
          "Card",
          "BP#9450123 DUBLIN OH",
          -63.1,
          13147.78
        ],
        [
          "2026-05-08",
          "Card",
          "MENARDS GROVE CITY OH",
          -176.13,
          12971.65
        ],
        [
          "2026-05-08",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -640,
          12331.65
        ],
        [
          "2026-05-09",
          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
          -193.8,
          12137.85
        ],
        [
          "2026-05-10",
          "Card",
          "ALDI 77012 HILLIARD OH",
          -143.36,
          11994.49
        ],
        [
          "2026-05-11",
          "Card",
          "SPEEDWAY 08822 HILLIARD OH",
          -71.21,
          11923.28
        ],
        [
          "2026-05-11",
          "Card",
          "MENARDS GROVE CITY OH",
          -131.33,
          11791.95
        ],
        [
          "2026-05-12",
          "Card",
          "NETFLIX.COM",
          -22.99,
          11768.96
        ],
        [
          "2026-05-12",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -55.23,
          11713.73
        ],
        [
          "2026-05-12",
          "Card",
          "TACO BELL #029918 COLUMBUS OH",
          -47.12,
          11666.61
        ],
        [
          "2026-05-12",
          "Card",
          "FLOOR & DECOR #170 COLUMBUS OH",
          -178.05,
          11488.56
        ],
        [
          "2026-05-13",
          "Card",
          "BP#9450123 DUBLIN OH",
          -72.15,
          11416.41
        ],
        [
          "2026-05-13",
          "Card",
          "THE HOME DEPOT #3818 HILLIARD OH",
          -335.74,
          11080.67
        ],
        [
          "2026-05-15",
          "ACH credit",
          "BRANDT KOLB BLDR AP PAYMENT CCD RUIZ TILE AND STONE",
          6420,
          17500.67
        ],
        [
          "2026-05-15",
          "Card",
          "DISNEY PLUS",
          -15.99,
          17484.68
        ],
        [
          "2026-05-15",
          "Card",
          "KROGER #0538 HILLIARD OH",
          -63.3,
          17421.38
        ],
        [
          "2026-05-15",
          "Card",
          "SPEEDWAY 08822 HILLIARD OH",
          -62.97,
          17358.41
        ],
        [
          "2026-05-15",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -800,
          16558.41
        ],
        [
          "2026-05-15",
          "P2P out",
          "P2P TO ANDRE WATKINS",
          -400,
          16158.41
        ],
        [
          "2026-05-16",
          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
          -236.36,
          15922.05
        ],
        [
          "2026-05-17",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -143.15,
          15778.9
        ],
        [
          "2026-05-17",
          "Card",
          "AMAZON MKTPL*I4UI9T79H",
          -12.88,
          15766.02
        ],
        [
          "2026-05-18",
          "Bill pay",
          "BILL PAY CENTRAL OHIO TILE SUPPLY",
          -3260.75,
          12505.27
        ],
        [
          "2026-05-18",
          "Card",
          "VERIZON WIRELESS",
          -186.4,
          12318.87
        ],
        [
          "2026-05-19",
          "Card",
          "MARATHON PETRO 140221 COLUMBUS OH",
          -55.49,
          12263.38
        ],
        [
          "2026-05-20",
          "Mobile deposit",
          "MOBILE DEPOSIT CHECK",
          1850,
          14113.38
        ],
        [
          "2026-05-20",
          "ACH debit",
          "AEP OHIO BILL PAY",
          -142.21,
          13971.17
        ],
        [
          "2026-05-20",
          "Card",
          "SPOTIFY USA",
          -16.99,
          13954.18
        ],
        [
          "2026-05-20",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -62.82,
          13891.36
        ],
        [
          "2026-05-20",
          "Card",
          "SPEEDWAY 08822 HILLIARD OH",
          -94.41,
          13796.95
        ],
        [
          "2026-05-21",
          "Card",
          "SHEETZ 0612 COLUMBUS OH",
          -89.65,
          13707.3
        ],
        [
          "2026-05-22",
          "ACH credit",
          "BRIARWOOD PEDIAT PAYROLL PPD MARISOL RUIZ",
          1606.7,
          15314
        ],
        [
          "2026-05-22",
          "ACH credit",
          "NEW LEAF REMODEL PAYMENT CCD RUIZ TILE & STONE",
          3310,
          18624
        ],
        [
          "2026-05-22",
          "ACH debit",
          "COLUMBIA GAS OH UTIL PMT",
          -39.91,
          18584.09
        ],
        [
          "2026-05-22",
          "Card",
          "RAISING CANES #0451 HILLIARD OH",
          -57.97,
          18526.12
        ],
        [
          "2026-05-22",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -840,
          17686.12
        ],
        [
          "2026-05-22",
          "P2P out",
          "P2P TO ANDRE WATKINS",
          -450,
          17236.12
        ],
        [
          "2026-05-25",
          "Card",
          "HARBOR FREIGHT TOOLS 512 COLUMBUS OH",
          -123.92,
          17112.2
        ],
        [
          "2026-05-26",
          "ACH debit",
          "CITY OF COLUMBUS UTILITIES",
          -92.66,
          17019.54
        ],
        [
          "2026-05-26",
          "Card",
          "SHEETZ 0612 COLUMBUS OH",
          -75.93,
          16943.61
        ],
        [
          "2026-05-26",
          "Card",
          "FLOOR & DECOR #170 COLUMBUS OH",
          -85.29,
          16858.32
        ],
        [
          "2026-05-28",
          "Card",
          "DUNKIN #345671 HILLIARD OH",
          -25.79,
          16832.53
        ],
        [
          "2026-05-29",
          "ACH credit",
          "HOLLOWAY HOMES SUBCONTRCT CCD HECTOR RUIZ",
          3150,
          19982.53
        ],
        [
          "2026-05-29",
          "Card",
          "KROGER #0538 HILLIARD OH",
          -157.18,
          19825.35
        ],
        [
          "2026-05-29",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -640,
          19185.35
        ],
        [
          "2026-05-30",
          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
          -163.21,
          19022.14
        ],
        [
          "2026-05-31",
          "Card",
          "ALDI 77012 HILLIARD OH",
          -81.09,
          18941.05
        ],
        [
          "2026-06-01",
          "Bill pay",
          "BILL PAY CENTRAL OHIO TILE SUPPLY",
          -1488.2,
          17452.85
        ],
        [
          "2026-06-01",
          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.17,
          15268.68
        ],
        [
          "2026-06-01",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -75.64,
          15193.04
        ],
        [
          "2026-06-01",
          "Card",
          "BUFFALO WILD WINGS #0221 HILLIARD OH",
          -24.67,
          15168.37
        ],
        [
          "2026-06-02",
          "Transfer out",
          "TRANSFER TO SAVINGS x5107",
          -1500,
          13668.37
        ],
        [
          "2026-06-02",
          "Card",
          "KROGER #0538 HILLIARD OH",
          -152.58,
          13515.79
        ],
        [
          "2026-06-03",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -242.18,
          13273.61
        ],
        [
          "2026-06-04",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -44.57,
          13229.04
        ],
        [
          "2026-06-05",
          "ACH credit",
          "BRIARWOOD PEDIAT PAYROLL PPD MARISOL RUIZ",
          1596.87,
          14825.91
        ],
        [
          "2026-06-05",
          "ACH credit",
          "HOLLOWAY HOMES SUBCONTRCT CCD HECTOR RUIZ",
          4265,
          19090.91
        ],
        [
          "2026-06-05",
          "Card",
          "KROGER #0538 HILLIARD OH",
          -81.75,
          19009.16
        ],
        [
          "2026-06-05",
          "Card",
          "SHEETZ 0612 COLUMBUS OH",
          -82.58,
          18926.58
        ],
        [
          "2026-06-05",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -920,
          18006.58
        ],
        [
          "2026-06-05",
          "P2P out",
          "P2P TO ANDRE WATKINS",
          -350,
          17656.58
        ],
        [
          "2026-06-06",
          "Card",
          "SPECTRUM",
          -89.99,
          17566.59
        ],
        [
          "2026-06-06",
          "Card",
          "ALDI 77012 HILLIARD OH",
          -84.44,
          17482.15
        ],
        [
          "2026-06-06",
          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
          -291.23,
          17190.92
        ],
        [
          "2026-06-06",
          "Card",
          "MCDONALD'S F30871 HILLIARD OH",
          -53.58,
          17137.34
        ],
        [
          "2026-06-06",
          "Card",
          "AMAZON MKTPL*N3NQHVDHZ",
          -31.54,
          17105.8
        ],
        [
          "2026-06-07",
          "Card",
          "SHEETZ 0612 COLUMBUS OH",
          -60.04,
          17045.76
        ],
        [
          "2026-06-08",
          "Card",
          "INTUIT *QBOOKS ONLINE",
          -35,
          17010.76
        ],
        [
          "2026-06-08",
          "Card",
          "MARATHON PETRO 140221 COLUMBUS OH",
          -77.86,
          16932.9
        ],
        [
          "2026-06-09",
          "Card",
          "RAISING CANES #0451 HILLIARD OH",
          -52.25,
          16880.65
        ],
        [
          "2026-06-09",
          "Card",
          "HARBOR FREIGHT TOOLS 512 COLUMBUS OH",
          -528.97,
          16351.68
        ],
        [
          "2026-06-10",
          "Card",
          "BUFFALO WILD WINGS #0221 HILLIARD OH",
          -38.92,
          16312.76
        ],
        [
          "2026-06-10",
          "Card",
          "AMAZON MKTPL*H5JL26M8A",
          -54.82,
          16257.94
        ],
        [
          "2026-06-11",
          "Card",
          "TACO BELL #029918 COLUMBUS OH",
          -34.41,
          16223.53
        ],
        [
          "2026-06-11",
          "Card",
          "SPEEDWAY 08822 HILLIARD OH",
          -91.51,
          16132.02
        ],
        [
          "2026-06-12",
          "ACH credit",
          "NEW LEAF REMODEL PAYMENT CCD RUIZ TILE & STONE",
          2860,
          18992.02
        ],
        [
          "2026-06-12",
          "Card",
          "NETFLIX.COM",
          -22.99,
          18969.03
        ],
        [
          "2026-06-12",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -800,
          18169.03
        ],
        [
          "2026-06-12",
          "P2P out",
          "P2P TO ANDRE WATKINS",
          -450,
          17719.03
        ],
        [
          "2026-06-13",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -120.68,
          17598.35
        ],
        [
          "2026-06-13",
          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
          -246.23,
          17352.12
        ],
        [
          "2026-06-14",
          "Card",
          "MEIJER #232 HILLIARD OH",
          -113.74,
          17238.38
        ],
        [
          "2026-06-15",
          "Bill pay",
          "BILL PAY CENTRAL OHIO TILE SUPPLY",
          -2204.1,
          15034.28
        ],
        [
          "2026-06-15",
          "Card",
          "DISNEY PLUS",
          -15.99,
          15018.29
        ],
        [
          "2026-06-15",
          "ACH debit",
          "IRS USATAXPYMT CCD",
          -3850,
          11168.29
        ],
        [
          "2026-06-15",
          "ACH debit",
          "OHIO TAX EST PMT CCD",
          -610,
          10558.29
        ],
        [
          "2026-06-15",
          "Card",
          "MCDONALD'S F30871 HILLIARD OH",
          -49.19,
          10509.1
        ],
        [
          "2026-06-15",
          "Card",
          "MENARDS GROVE CITY OH",
          -62.2,
          10446.9
        ],
        [
          "2026-06-17",
          "Card",
          "KROGER #0538 HILLIARD OH",
          -164.45,
          10282.45
        ],
        [
          "2026-06-17",
          "Card",
          "PANERA BREAD #600812 HILLIARD OH",
          -37.2,
          10245.25
        ],
        [
          "2026-06-18",
          "ACH credit",
          "BRIARWOOD PEDIAT PAYROLL PPD MARISOL RUIZ",
          1607.84,
          11853.09
        ],
        [
          "2026-06-18",
          "Card",
          "VERIZON WIRELESS",
          -186.4,
          11666.69
        ],
        [
          "2026-06-18",
          "Card",
          "KROGER #0538 HILLIARD OH",
          -59.23,
          11607.46
        ],
        [
          "2026-06-18",
          "Card",
          "AMAZON MKTPL*N2C8UI1L5",
          -26.36,
          11581.1
        ],
        [
          "2026-06-19",
          "Card",
          "HARBOR FREIGHT TOOLS 512 COLUMBUS OH",
          -101.91,
          11479.19
        ],
        [
          "2026-06-19",
          "P2P out",
          "P2P TO LUIS ORTEGA",
          -880,
          10599.19
        ],
        [
          "2026-06-20",
          "Card",
          "SPOTIFY USA",
          -16.99,
          10582.2
        ],
        [
          "2026-06-20",
          "Card",
          "ALDI 77012 HILLIARD OH",
          -136.54,
          10445.66
        ],
        [
          "2026-06-21",
          "Card",
          "CHIPOTLE 1187 HILLIARD OH",
          -30.35,
          10415.31
        ],
        [
          "2026-06-22",
          "ACH debit",
          "AEP OHIO BILL PAY",
          -168.54,
          10246.77
        ],
        [
          "2026-06-22",
          "ACH debit",
          "COLUMBIA GAS OH UTIL PMT",
          -47.45,
          10199.32
        ],
        [
          "2026-06-22",
          "Card",
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          "2026-08-28",
          "Card",
          "TACO BELL #029918 COLUMBUS OH",
          -44.06,
          15165.21
        ],
        [
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          "P2P out",
          "P2P TO LUIS ORTEGA",
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          14445.21
        ],
        [
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          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
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          14081.24
        ],
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          "Card",
          "KROGER #0538 HILLIARD OH",
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          14033.64
        ],
        [
          "2026-08-30",
          "Card",
          "RAISING CANES #0451 HILLIARD OH",
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          13975.39
        ],
        [
          "2026-08-31",
          "Bill pay",
          "BILL PAY CENTRAL OHIO TILE SUPPLY",
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          12069.21
        ],
        [
          "2026-08-31",
          "Card",
          "PANERA BREAD #600812 HILLIARD OH",
          -16.03,
          12053.18
        ],
        [
          "2026-08-31",
          "Card",
          "SHEETZ 0612 COLUMBUS OH",
          -66.63,
          11986.55
        ],
        [
          "2026-09-01",
          "ACH debit",
          "ROCKET MORTGAGE MTG PYMT PPD",
          -2184.17,
          9802.38
        ],
        [
          "2026-09-02",
          "Transfer out",
          "TRANSFER TO SAVINGS x5107",
          -1500,
          8302.38
        ],
        [
          "2026-09-03",
          "ACH debit",
          "PROGRESSIVE INS PREM PPD",
          -242.18,
          8060.2
        ],
        [
          "2026-09-03",
          "Card",
          "SPEEDWAY 08822 HILLIARD OH",
          -86.81,
          7973.39
        ],
        [
          "2026-09-04",
          "ACH credit",
          "HOLLOWAY HOMES SUBCONTRCT CCD HECTOR RUIZ",
          6035,
          14008.39
        ],
        [
          "2026-09-04",
          "Card",
          "BUFFALO WILD WINGS #0221 HILLIARD OH",
          -39.19,
          13969.2
        ],
        [
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          "Card",
          "LOWE'S #00785 COLUMBUS OH",
          -56.78,
          13912.42
        ],
        [
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          "P2P out",
          "P2P TO LUIS ORTEGA",
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          13192.42
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        [
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          "Card",
          "SPECTRUM",
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          13102.43
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        [
          "2026-09-06",
          "Card",
          "KROGER #0538 HILLIARD OH",
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          12958.07
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        [
          "2026-09-06",
          "Card",
          "DUNKIN #345671 HILLIARD OH",
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          12941.96
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        [
          "2026-09-06",
          "Card",
          "BP#9450123 DUBLIN OH",
          -78.6,
          12863.36
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        [
          "2026-09-06",
          "Card",
          "KOHL'S #0412 HILLIARD OH",
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          12757.71
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        [
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          "Card",
          "BUFFALO WILD WINGS #0221 HILLIARD OH",
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          12698.32
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        [
          "2026-09-08",
          "Card",
          "INTUIT *QBOOKS ONLINE",
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          12663.32
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        [
          "2026-09-08",
          "Card",
          "KROGER #0538 HILLIARD OH",
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          12517.47
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        [
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          "Card",
          "PANERA BREAD #600812 HILLIARD OH",
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          12496.1
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          "Card",
          "MCDONALD'S F30871 HILLIARD OH",
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          12481.06
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          "Card",
          "THE HOME DEPOT #3818 HILLIARD OH",
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          11889.3
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          "Card",
          "AMAZON MKTPL*ZALJE1FA7",
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          11842.97
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        [
          "2026-09-11",
          "ACH credit",
          "BRIARWOOD PEDIAT PAYROLL PPD MARISOL RUIZ",
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          13437.85
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          "ACH credit",
          "HOLLOWAY HOMES SUBCONTRCT CCD HECTOR RUIZ",
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          17847.85
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          "MEIJER #232 HILLIARD OH",
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          17785.55
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          "Card",
          "CHIPOTLE 1187 HILLIARD OH",
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          17761.98
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        [
          "2026-09-11",
          "Card",
          "SHEETZ 0612 COLUMBUS OH",
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          17683.89
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          "P2P out",
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          17003.89
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        [
          "2026-09-12",
          "Card",
          "NETFLIX.COM",
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          16980.9
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          "2026-09-12",
          "Card",
          "COSTCO WHSE #1092 COLUMBUS OH",
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          16636.42
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          "Card",
          "BP#9450123 DUBLIN OH",
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          "Card",
          "BP#9450123 DUBLIN OH",
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          "Bill pay",
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          "Card",
          "MEIJER #232 HILLIARD OH",
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          "Card",
          "MCDONALD'S F30871 HILLIARD OH",
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          "Card",
          "SPEEDWAY 08822 HILLIARD OH",
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          "Card",
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          "2026-09-15",
          "ACH debit",
          "IRS USATAXPYMT CCD",
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          "ACH debit",
          "OHIO TAX EST PMT CCD",
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          "Card",
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          "Card",
          "ALDI 77012 HILLIARD OH",
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          "Card",
          "SHEETZ 0612 COLUMBUS OH",
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          "2026-09-17",
          "Card",
          "KROGER #0538 HILLIARD OH",
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          "Card",
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          "Card",
          "BP#9450123 DUBLIN OH",
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          "Mobile deposit",
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          11350.52
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          "Card",
          "VERIZON WIRELESS",
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          "P2P TO LUIS ORTEGA",
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          10124.12
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          "Card",
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          "Card",
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          "ACH debit",
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          "ACH debit",
          "COLUMBIA GAS OH UTIL PMT",
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          9550.57
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          "Card",
          "SPEEDWAY 08822 HILLIARD OH",
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          9464.75
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          ""
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          ""
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          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Fingerprint",
          ""
        ],
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          "D1",
          "192.0.2.195",
          "Mobile carrier, Columbus OH",
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          "Residential ISP, Hilliard OH",
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          "login",
          "D1",
          "192.0.2.93",
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          ""
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          "Fingerprint",
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          "login",
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          "Residential ISP, Hilliard OH",
          "Face ID",
          ""
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          "login",
          "D3",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Password",
          ""
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          "2026-09-14T16:09:39Z",
          "login",
          "D1",
          "192.0.2.118",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-14T16:36:35Z",
          "login",
          "D2",
          "192.0.2.163",
          "Mobile carrier, Columbus OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-15T11:16:44Z",
          "login",
          "D1",
          "192.0.2.161",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
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        [
          "2026-09-15T23:35:00Z",
          "login",
          "D2",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-16T18:06:13Z",
          "login",
          "D2",
          "192.0.2.204",
          "Mobile carrier, Columbus OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-16T22:05:18Z",
          "login",
          "D1",
          "192.0.2.74",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-17T21:51:17Z",
          "login",
          "D2",
          "192.0.2.74",
          "Mobile carrier, Columbus OH",
          "Fingerprint",
          ""
        ],
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          "2026-09-17T22:41:54Z",
          "login",
          "D1",
          "192.0.2.103",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
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          "login",
          "D2",
          "192.0.2.153",
          "Mobile carrier, Columbus OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-18T23:12:40Z",
          "mobile_deposit",
          "D1",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Face ID",
          "Check $2,275.00, payer an individual, endorsed RUIZ TILE & STONE"
        ],
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          "login",
          "D1",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Face ID",
          ""
        ],
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          "login",
          "D1",
          "192.0.2.202",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-21T02:59:52Z",
          "login",
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          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Password",
          ""
        ],
        [
          "2026-09-21T14:05:55Z",
          "login",
          "D1",
          "192.0.2.94",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-22T16:01:42Z",
          "login",
          "D1",
          "192.0.2.216",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-23T12:40:30Z",
          "login",
          "D1",
          "192.0.2.186",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-23T21:49:07Z",
          "login",
          "D2",
          "192.0.2.108",
          "Mobile carrier, Columbus OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-24T10:36:41Z",
          "login",
          "D1",
          "192.0.2.95",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-25T01:41:57Z",
          "login",
          "D2",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-25T23:32:39Z",
          "login",
          "D2",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-26T01:19:42Z",
          "login",
          "D1",
          "192.0.2.210",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-26T11:18:36Z",
          "login",
          "D1",
          "192.0.2.152",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-27T18:23:18Z",
          "login",
          "D1",
          "192.0.2.74",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-28T18:19:49Z",
          "login",
          "D1",
          "192.0.2.111",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-09-30T18:56:28Z",
          "login",
          "D2",
          "192.0.2.132",
          "Mobile carrier, Columbus OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-09-30T22:09:02Z",
          "login_failed",
          "D4",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Password (wrong, 2 attempts)",
          "New device"
        ],
        [
          "2026-09-30T22:14:31Z",
          "password_reset",
          "D4",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "SMS code to phone on file",
          "Forgot-password flow during a call to the contact center"
        ],
        [
          "2026-09-30T22:16:03Z",
          "login",
          "D4",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Password + SMS code",
          "New device registered; no contact or profile changes"
        ],
        [
          "2026-10-01T11:02:55Z",
          "login",
          "D4",
          "192.0.2.118",
          "Mobile carrier, Columbus OH",
          "Face ID",
          ""
        ],
        [
          "2026-10-01T22:39:53Z",
          "login",
          "D2",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Fingerprint",
          ""
        ],
        [
          "2026-10-02T00:37:09Z",
          "login",
          "D4",
          "198.51.100.140",
          "Residential ISP, Hilliard OH",
          "Face ID",
          ""
        ]
      ]
    },
    "payees_and_external_accounts": {
      "columns": [
        "type",
        "name",
        "added",
        "added_from",
        "verification",
        "payments",
        "total_usd",
        "last_paid"
      ],
      "rows": [
        [
          "Bill pay",
          "CENTRAL OHIO TILE SUPPLY",
          "2021-03-09",
          "D3",
          "Business payee, address on file",
          22,
          71844.21,
          "2026-09-14"
        ],
        [
          "P2P",
          "LUIS ORTEGA",
          "2024-02-16",
          "D1",
          "Phone number enrolled with P2P network",
          41,
          31560,
          "2026-09-25"
        ],
        [
          "P2P",
          "ANDRE WATKINS",
          "2025-06-06",
          "D1",
          "Phone number enrolled with P2P network",
          12,
          4450,
          "2026-09-11"
        ],
        [
          "External account",
          "x8840, savings at another US bank (owner HECTOR RUIZ)",
          "2022-10-03",
          "D3",
          "Micro-deposits",
          9,
          18000,
          "2026-01-12"
        ]
      ]
    },
    "member_contacts": [
      {
        "ts": "2026-08-20T01:05:18Z",
        "channel": "Secure message",
        "summary": "From Hector: 'Do you have business checking? My accountant says I should keep the tile business separate from our personal account.' Reply 2026-08-20: business checking can be opened at a branch with the DBA certificate and EIN letter. No appointment made."
      },
      {
        "ts": "2026-09-18T23:12:40Z",
        "channel": "Mobile deposit review",
        "summary": "Check deposit of $2,275.00 from a homeowner, memo 'master bath tile', endorsed Ruiz Tile & Stone. Accepted, no hold."
      },
      {
        "ts": "2026-09-30T22:02:00Z",
        "channel": "Phone",
        "summary": "Hector called: got a new phone, the app asked for a code and he had forgotten his password. Identity verified by security questions and a code to the phone on file. Walked him through the reset. No changes to phone, email or address."
      }
    ],
    "credit_under_review": {
      "received": "2026-10-02T06:30:00Z",
      "posted": "2026-10-02T10:05:11Z",
      "rail": "ACH, next-day (settled 2026-10-02)",
      "sec_code": "CCD",
      "amount_usd": 18740,
      "company_name": "BRANDT KOLB BLDR",
      "company_id": "x7720",
      "company_entry_description": "AP PAYMENT",
      "receiver_name": "RUIZ TILE AND STONE",
      "receiver_id_number": "V-0117",
      "addenda": "INV 2291 2297 RETAINAGE ASHGROVE PH2 LOTS 14 15",
      "sending_bank": "Regional bank, Columbus OH (routing xxxxx3156)",
      "trace_number": "xxxxxxxxxx08816",
      "account_number_in_entry": "x5106 (matches this account)",
      "return_deadline": "R17 return must reach the sending bank by opening of business 2026-10-06 (2 banking days after settlement)"
    },
    "originator_and_sending_bank": {
      "originator_history_with_this_account": "10 entries since 2024-06-21, $2,960.00 to $11,200.00, receiver RUIZ TILE AND STONE (8) or HECTOR RUIZ (2); same company ID, description and receiver ID V-0117 since 2025; none returned or disputed",
      "originator_history_at_our_bank": "61 entries to 14 other members in the last 12 months, all CCD AP PAYMENT (subcontractor payments); no returns or fraud reports",
      "sending_bank_history": "4,880 entries to our members in the last 12 months; 0.2% returned, no fraud reports",
      "sending_bank_contact": "ACH fraud desk on file (phone and secure email); not yet contacted",
      "receiver_name_check": "RUIZ TILE AND STONE does not match the owners by name; matches the DBA on file for Hector A. Ruiz",
      "consortium_checks": "Members' identities, phones and emails: no fraud reports"
    },
    "notices_from_sending_bank": [],
    "activity_since_credit": [
      {
        "ts": "2026-10-02T11:12:44Z",
        "type": "login",
        "device": "D4",
        "ip": "198.51.100.140",
        "network": "Residential ISP, Hilliard OH",
        "auth": "Face ID"
      },
      {
        "ts": "2026-10-02T11:15:02Z",
        "type": "bill_payment",
        "device": "D4",
        "amount_usd": 9316.4,
        "to": "CENTRAL OHIO TILE SUPPLY (payee since 2021, 22 payments)",
        "memo": "Acct 40417 stmt 9/30",
        "status": "Scheduled, sends 2026-10-02"
      },
      {
        "ts": "2026-10-02T11:18:27Z",
        "type": "p2p_payment",
        "device": "D4",
        "amount_usd": 880,
        "to": "LUIS ORTEGA (paid 41 times)",
        "status": "Sent"
      },
      {
        "ts": "2026-10-02T11:20:09Z",
        "type": "internal_transfer",
        "device": "D4",
        "amount_usd": 4000,
        "to": "Savings x5107 (own)",
        "status": "Completed"
      },
      {
        "ts": "2026-10-02T12:47:31Z",
        "type": "card_authorization",
        "card": "x2207",
        "amount_usd": 612.33,
        "merchant": "FLOOR & DECOR #170 COLUMBUS OH",
        "status": "Approved, pending"
      },
      {
        "ts": "2026-10-02T13:05:50Z",
        "type": "login",
        "device": "D2",
        "ip": "192.0.2.77",
        "network": "Mobile carrier, Columbus OH",
        "auth": "Fingerprint"
      }
    ],
    "balances": {
      "ledger_before_credit_usd": 5813.22,
      "ledger_now_usd": 19673.22,
      "available_now_usd": 9744.49,
      "pending_outbound_usd": {
        "bill_payment": 9316.4,
        "card_authorization": 612.33
      }
    }
  },
  "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"
      }
    }
  }
}