{
  "model": "grayson-1",
  "state": {
    "customer": {
      "customer_id": "C-1173064",
      "name": "Alyssa M. Moreland",
      "age": 31,
      "customer_since": "2017-08-14",
      "home": "Raleigh, NC; rents an apartment, at this address since 2023",
      "occupation_on_file": "Hair stylist",
      "income_on_file": "Employed by Copperleaf Salon Group (as of the last refresh)",
      "stated_annual_income_usd": 41000,
      "expected_activity": {
        "monthly_deposits_usd": 3200,
        "deposit_sources": "Payroll",
        "p2p": "Occasional",
        "wires": "None expected",
        "virtual_currency": "No",
        "cash": "Occasional"
      },
      "identity_verification": "In branch 2017-08-14 with a North Carolina driver's license",
      "last_kyc_refresh": "2025-01-22",
      "risk_rating": "Low",
      "prior_aml_alerts": [],
      "prior_sars_filed": 0,
      "contact_details": "Mobile phone on file since 2017 and email since 2019; address changed 2023-03-30 (moved within Raleigh); no other changes in the last 24 months",
      "products": [
        "Personal checking x2290",
        "Savings x2291",
        "Debit card x6148"
      ]
    },
    "accounts": [
      {
        "account": "Personal checking x2290",
        "opened": "2017-08-14",
        "owners": "Alyssa M. Moreland",
        "status": "Open, no restrictions",
        "overdraft": "Not enrolled: card purchases decline and ACH debits return when funds are short",
        "limits": {
          "p2p_per_day_usd": 2500,
          "external_transfer_per_day_usd": 5000,
          "atm_per_day_usd": 500,
          "online_wires": "Not enabled"
        },
        "limit_changes": [],
        "balance_now_usd": 2289.82,
        "average_daily_balance_2025_10_to_2026_08_usd": 3225.29
      },
      {
        "account": "Savings x2291",
        "opened": "2019-02-02",
        "balance_now_usd": 310.44,
        "activity_since_2025_10": "Monthly interest only"
      }
    ],
    "monthly_summary": {
      "columns": [
        "month",
        "credits_usd",
        "pay_benefits_and_settlements_usd",
        "from_others_usd",
        "from_others_count",
        "distinct_senders",
        "debits_usd",
        "cards_and_bills_usd",
        "p2p_out_usd",
        "transfers_and_wires_out_usd",
        "cash_out_usd",
        "ending_balance_usd"
      ],
      "rows": [
        [
          "2025-10",
          3241.54,
          2431.54,
          810,
          2,
          2,
          3236.45,
          3236.45,
          0,
          0,
          0,
          2817.86
        ],
        [
          "2025-11",
          3362.43,
          2497.43,
          865,
          5,
          4,
          3158.87,
          3158.87,
          0,
          0,
          0,
          3021.42
        ],
        [
          "2025-12",
          3648.68,
          2798.68,
          850,
          3,
          3,
          3783.6,
          3783.6,
          0,
          0,
          0,
          2886.5
        ],
        [
          "2026-01",
          4684.24,
          3839.24,
          845,
          3,
          3,
          3271.63,
          3271.63,
          0,
          0,
          0,
          4299.11
        ],
        [
          "2026-02",
          3537.64,
          2707.64,
          830,
          3,
          3,
          3641.03,
          3641.03,
          0,
          0,
          0,
          4195.72
        ],
        [
          "2026-03",
          3379.86,
          2524.86,
          855,
          3,
          3,
          3168.72,
          3168.72,
          0,
          0,
          0,
          4406.86
        ],
        [
          "2026-04",
          3003.76,
          2158.76,
          845,
          4,
          3,
          3937.77,
          3937.77,
          0,
          0,
          0,
          3472.85
        ],
        [
          "2026-05",
          7075.14,
          3348.14,
          3122,
          19,
          19,
          5649,
          5649,
          0,
          0,
          0,
          4898.99
        ],
        [
          "2026-06",
          8544.73,
          4640.73,
          3029,
          18,
          18,
          8596.28,
          8596.28,
          0,
          0,
          0,
          4847.44
        ],
        [
          "2026-07",
          9362.56,
          3950.56,
          4872,
          30,
          30,
          6265.74,
          6265.74,
          0,
          0,
          0,
          7944.26
        ],
        [
          "2026-08",
          8022.87,
          3829.87,
          3088,
          19,
          19,
          11753.7,
          6153.7,
          0,
          5600,
          0,
          4213.43
        ],
        [
          "2026-09",
          11015.77,
          3677.77,
          5818,
          35,
          34,
          11807.72,
          9512.72,
          95,
          2200,
          0,
          3421.48
        ],
        [
          "2026-10 (to 10-05)",
          1791.89,
          1631.89,
          160,
          2,
          2,
          2923.55,
          2423.55,
          0,
          500,
          0,
          2289.82
        ]
      ]
    },
    "devices_and_logins": {
      "devices": [
        {
          "device": "iPhone 13, our iOS app",
          "first_seen": "2022-10-08",
          "last_seen": "2026-09-20",
          "logins_last_90_days": 196,
          "other_customers_seen_on_device": 0
        },
        {
          "device": "iPhone 16 Pro, our iOS app",
          "first_seen": "2026-09-21",
          "logins_last_90_days": 41,
          "other_customers_seen_on_device": 0
        },
        {
          "device": "MacBook Air, Safari",
          "first_seen": "2023-05-01",
          "logins_last_90_days": 12,
          "other_customers_seen_on_device": 0
        }
      ],
      "login_locations_last_90_days": "Home broadband in Raleigh, NC (shared with one other customer, see links), the customer's mobile carrier, and hotel Wi-Fi in Myrtle Beach, SC on 2026-07-04 and 2026-07-05; no VPN, proxy or hosting-provider addresses",
      "remote_access_software_detected": false,
      "session_events": [
        {
          "ts": "2026-08-20T23:41:00Z",
          "event": "External account added: online savings account x5512, instant verification, owner name matches"
        },
        {
          "ts": "2026-09-21T18:20:00Z",
          "event": "New device (iPhone 16 Pro) at login; step-up passed with a one-time code to the phone on file; the iPhone 13 has not logged in since 2026-09-20"
        }
      ]
    },
    "links_to_other_customers": {
      "shared_devices": 0,
      "shared_phone_numbers": 0,
      "shared_emails": 0,
      "shared_addresses": 1,
      "shared_login_ip_addresses_last_90_days": 1,
      "detail": [
        "Address and home IP address shared with Marco J. Lin, a customer since 2019 with no alerts, who pays the customer $790.00 on or about the 28th each month ('rent + power') since 2024"
      ],
      "shared_counterparties": []
    },
    "counterparties": {
      "note": "Everyone the account received money from or sent money to by P2P, ACH, wire, check or external transfer since 2026-08-01; first_activity is the first item with this counterparty in our records",
      "columns": [
        "id",
        "name",
        "kind",
        "institution",
        "first_activity",
        "credits",
        "credits_usd",
        "payments",
        "payments_usd",
        "notes"
      ],
      "rows": [
        [
          "C01",
          "Shannon Ortiz",
          "Individual",
          "Online bank",
          "2025-11-11",
          1,
          55,
          0,
          0,
          "Paid tips by P2P while the customer was a salon employee"
        ],
        [
          "C02",
          "Alicia Guzman",
          "Individual",
          "Large national bank",
          "2025-11-19",
          2,
          108,
          0,
          0,
          "Paid tips by P2P while the customer was a salon employee"
        ],
        [
          "C03",
          "Renee Fisher",
          "Individual",
          "Large national bank",
          "2026-05-26",
          1,
          175,
          0,
          0,
          null
        ],
        [
          "C04",
          "Linden Row Salon Suites LLC",
          "Business",
          "Regional bank, NC",
          "2026-05-04",
          0,
          0,
          10,
          3250,
          "Booth rent, weekly ACH debit since 2026-05-04"
        ],
        [
          "C05",
          "Tamara Long",
          "Individual",
          "Large national bank",
          "2026-08-04",
          2,
          195,
          0,
          0,
          null
        ],
        [
          "C06",
          "Monique Cox",
          "Individual",
          "Credit union, NC",
          "2026-05-27",
          1,
          105,
          0,
          0,
          null
        ],
        [
          "C07",
          "Destiny Matthews",
          "Individual",
          "Regional bank, NC",
          "2025-10-10",
          2,
          230,
          0,
          0,
          "Paid tips by P2P while the customer was a salon employee"
        ],
        [
          "C08",
          "Susan Okafor",
          "Individual",
          "Community bank, NC",
          "2026-06-03",
          2,
          225,
          0,
          0,
          null
        ],
        [
          "C09",
          "Sean Lee",
          "Individual",
          "Large national bank",
          "2026-05-23",
          2,
          558,
          0,
          0,
          null
        ],
        [
          "C10",
          "Michael Young",
          "Individual",
          "Regional bank, NC",
          "2026-06-04",
          1,
          100,
          0,
          0,
          null
        ],
        [
          "C11",
          "Alexis Romero",
          "Individual",
          "Regional bank, NC",
          "2026-08-12",
          2,
          156,
          0,
          0,
          null
        ],
        [
          "C12",
          "Samantha Owens",
          "Individual",
          "Large national bank",
          "2026-06-09",
          2,
          626,
          0,
          0,
          null
        ],
        [
          "C13",
          "Gary Hoffman",
          "Individual",
          "Large national bank",
          "2026-06-06",
          1,
          55,
          0,
          0,
          null
        ],
        [
          "C14",
          "Online savings account x5512",
          "Own account at another institution",
          "Online bank",
          "2026-08-21",
          1,
          400,
          8,
          8300,
          "Linked 2026-08-20 by instant verification; owner name matches the customer; no other customer of ours has linked it"
        ],
        [
          "C15",
          "Yvette Vargas",
          "Individual",
          "Online bank",
          "2026-06-06",
          1,
          56,
          0,
          0,
          null
        ],
        [
          "C16",
          "Kimberly Ford",
          "Individual",
          "Regional bank, VA",
          "2026-02-17",
          1,
          80,
          0,
          0,
          "Paid tips by P2P while the customer was a salon employee"
        ],
        [
          "C17",
          "Julie Reyes",
          "Individual",
          "Credit union, NC",
          "2026-08-26",
          1,
          230,
          0,
          0,
          null
        ],
        [
          "C18",
          "Allison Young",
          "Individual",
          "Large national bank",
          "2026-06-11",
          1,
          110,
          0,
          0,
          null
        ],
        [
          "C19",
          "Emily Howard",
          "Individual",
          "Online bank",
          "2026-06-25",
          1,
          115,
          0,
          0,
          null
        ],
        [
          "C20",
          "Jacqueline Carter",
          "Individual",
          "Large national bank",
          "2026-08-28",
          1,
          175,
          0,
          0,
          null
        ],
        [
          "C21",
          "Marco Lin",
          "Individual",
          "Large national bank",
          "2024-06-28",
          2,
          1580,
          0,
          0,
          "Lives at the customer's address; customer of ours since 2019, no alerts"
        ],
        [
          "C22",
          "Joshua Hall",
          "Individual",
          "Regional bank, NC",
          "2025-11-27",
          1,
          145,
          0,
          0,
          "Paid tips by P2P while the customer was a salon employee"
        ],
        [
          "C23",
          "Jesse Tran",
          "Individual",
          "Regional bank, VA",
          "2026-05-05",
          1,
          120,
          0,
          0,
          null
        ],
        [
          "C24",
          "Olivia Ellis",
          "Individual",
          "Large national bank",
          "2026-05-12",
          1,
          115,
          0,
          0,
          null
        ],
        [
          "C25",
          "Morgan Carpenter",
          "Individual",
          "Regional bank, NC",
          "2026-06-16",
          1,
          80,
          0,
          0,
          null
        ],
        [
          "C26",
          "Linda Coleman",
          "Individual",
          "Large national bank",
          "2026-06-18",
          1,
          275,
          0,
          0,
          null
        ],
        [
          "C27",
          "Megan Tucker",
          "Individual",
          "Online bank",
          "2026-07-22",
          1,
          320,
          0,
          0,
          null
        ],
        [
          "C28",
          "Linda Aguilar",
          "Individual",
          "Regional bank, NC",
          "2026-06-10",
          1,
          174,
          0,
          0,
          null
        ],
        [
          "C29",
          "Paige Burns",
          "Individual",
          "Large national bank",
          "2026-09-08",
          1,
          80,
          0,
          0,
          null
        ],
        [
          "C30",
          "Rebecca Rice",
          "Individual",
          "Large national bank",
          "2026-04-03",
          1,
          145,
          0,
          0,
          "Paid tips by P2P while the customer was a salon employee"
        ],
        [
          "C31",
          "Amy Lopez",
          "Individual",
          "Large national bank",
          "2026-06-16",
          1,
          120,
          0,
          0,
          null
        ],
        [
          "C32",
          "Monique Pryor",
          "Individual",
          "Credit union, NC",
          "2026-04-11",
          2,
          190,
          1,
          95,
          "Sent the same $95 twice on 2026-09-10; customer returned one the same day"
        ],
        [
          "C33",
          "Natalie Fisher",
          "Individual",
          "Large national bank",
          "2026-09-11",
          1,
          109,
          0,
          0,
          null
        ],
        [
          "C34",
          "Holly Arnold",
          "Individual",
          "Credit union, NC",
          "2026-07-29",
          1,
          105,
          0,
          0,
          null
        ],
        [
          "C35",
          "Jessica Wells",
          "Individual",
          "Large national bank",
          "2026-07-28",
          1,
          104,
          0,
          0,
          null
        ],
        [
          "C36",
          "Jennifer Crawford",
          "Individual",
          "Regional bank, NC",
          "2026-05-12",
          1,
          140,
          0,
          0,
          null
        ],
        [
          "C37",
          "Gabriel Stevens",
          "Individual",
          "Community bank, NC",
          "2026-09-16",
          1,
          115,
          0,
          0,
          null
        ],
        [
          "C38",
          "Caitlin Clark",
          "Individual",
          "Regional bank, NC",
          "2026-09-16",
          1,
          261,
          0,
          0,
          null
        ],
        [
          "C39",
          "Simone Ryan",
          "Individual",
          "Large national bank",
          "2026-05-19",
          1,
          172,
          0,
          0,
          null
        ],
        [
          "C40",
          "Danielle Schmidt",
          "Individual",
          "Large national bank",
          "2026-05-13",
          1,
          100,
          0,
          0,
          null
        ],
        [
          "C41",
          "Caitlin Freeman",
          "Individual",
          "Large national bank",
          "2026-05-12",
          1,
          75,
          0,
          0,
          null
        ],
        [
          "C42",
          "Brianna Willis",
          "Individual",
          "Regional bank, NC",
          "2026-07-10",
          1,
          117,
          0,
          0,
          null
        ],
        [
          "C43",
          "Olivia Gordon",
          "Individual",
          "Regional bank, NC",
          "2026-07-14",
          1,
          80,
          0,
          0,
          null
        ],
        [
          "C44",
          "Brianna Holt",
          "Individual",
          "Large national bank",
          "2026-09-26",
          2,
          675,
          0,
          0,
          null
        ],
        [
          "C45",
          "Paige Rice",
          "Individual",
          "Large national bank",
          "2026-05-20",
          1,
          80,
          0,
          0,
          null
        ],
        [
          "C46",
          "Bianca Lane",
          "Individual",
          "Credit union, NC",
          "2026-09-29",
          1,
          75,
          0,
          0,
          null
        ],
        [
          "C47",
          "Lisa Silva",
          "Individual",
          "Large national bank",
          "2026-05-15",
          1,
          55,
          0,
          0,
          null
        ],
        [
          "C48",
          "Gabrielle Hunt",
          "Individual",
          "Regional bank, NC",
          "2026-05-26",
          1,
          105,
          0,
          0,
          null
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item from 2026-08-01 to the alert; amounts signed (debits negative); balance is the ledger balance after the item; counterparty refers to the counterparties table",
      "columns": [
        "ts",
        "type",
        "amount_usd",
        "balance_usd",
        "description",
        "counterparty",
        "detail"
      ],
      "rows": [
        [
          "2026-08-01T16:06:39Z",
          "card_purchase",
          -40.33,
          7903.93,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-08-01T18:16:07Z",
          "p2p_in",
          55,
          7958.93,
          "P2P FROM SHANNON ORTIZ",
          "C01",
          "no memo"
        ],
        [
          "2026-08-01T19:21:57Z",
          "card_purchase",
          -21.15,
          7937.78,
          "TJ MAXX #0817 RALEIGH NC",
          null,
          "mcc 5651, chip"
        ],
        [
          "2026-08-01T20:49:21Z",
          "p2p_in",
          52,
          7989.78,
          "P2P FROM ALICIA GUZMAN",
          "C02",
          "memo \"bang trim 8/1\""
        ],
        [
          "2026-08-01T22:55:23Z",
          "p2p_in",
          175,
          8164.78,
          "P2P FROM RENEE FISHER",
          "C03",
          "no memo"
        ],
        [
          "2026-08-02T08:40:03Z",
          "card_purchase",
          -15.49,
          8149.29,
          "NETFLIX.COM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-08-02T21:21:53Z",
          "card_purchase",
          -108.54,
          8040.75,
          "SALLY BEAUTY #1187 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-08-03T02:11:35Z",
          "card_purchase",
          -14,
          8026.75,
          "UBER *TRIP",
          null,
          "mcc 4121, card not present"
        ],
        [
          "2026-08-03T07:01:05Z",
          "card_purchase",
          -29,
          7997.75,
          "SQ *SQUARE APPOINTMENTS",
          null,
          "mcc 7372, card on file, recurring"
        ],
        [
          "2026-08-03T10:00:00Z",
          "ach_credit",
          302.38,
          8300.13,
          "SQUARE INC SQ260803",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-03T11:00:00Z",
          "ach_debit",
          -1425,
          6875.13,
          "ALTA BRIER APTS RENT",
          null,
          "SEC WEB"
        ],
        [
          "2026-08-03T11:00:00Z",
          "ach_debit",
          -325,
          6550.13,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-08-04T12:34:26Z",
          "atm_deposit",
          475,
          7025.13,
          "ATM CASH DEPOSIT #0418 RALEIGH NC",
          null,
          "our ATM; cash"
        ],
        [
          "2026-08-04T14:25:24Z",
          "p2p_in",
          55,
          7080.13,
          "P2P FROM TAMARA LONG",
          "C05",
          "memo \"trim\""
        ],
        [
          "2026-08-04T15:15:29Z",
          "card_purchase",
          -5.83,
          7074.3,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-04T16:09:46Z",
          "p2p_in",
          105,
          7179.3,
          "P2P FROM MONIQUE COX",
          "C06",
          "memo \"cut + style\""
        ],
        [
          "2026-08-05T10:00:00Z",
          "ach_credit",
          286.46,
          7465.76,
          "SQUARE INC SQ260805",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-05T15:02:43Z",
          "card_purchase",
          -10.88,
          7454.88,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-06T10:00:00Z",
          "ach_credit",
          357.05,
          7811.93,
          "SQUARE INC SQ260806",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-06T11:53:18Z",
          "card_purchase",
          -8.4,
          7803.53,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-06T15:25:42Z",
          "p2p_in",
          115,
          7918.53,
          "P2P FROM DESTINY MATTHEWS",
          "C07",
          "memo \"see you in 6 wks!\""
        ],
        [
          "2026-08-07T00:46:47Z",
          "card_purchase",
          -16.53,
          7902,
          "UBER *TRIP",
          null,
          "mcc 4121, card not present"
        ],
        [
          "2026-08-07T09:00:01Z",
          "card_purchase",
          -74.99,
          7827.01,
          "SPECTRUM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-08-07T10:00:00Z",
          "ach_credit",
          101.5,
          7928.51,
          "SQUARE INC SQ260807",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-08T07:15:34Z",
          "card_purchase",
          -2.99,
          7925.52,
          "APPLE.COM/BILL",
          null,
          "mcc 5818, card on file, recurring"
        ],
        [
          "2026-08-08T20:00:43Z",
          "card_purchase",
          -56.4,
          7869.12,
          "TRADER JOE'S #745 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-08T22:10:40Z",
          "p2p_in",
          150,
          8019.12,
          "P2P FROM SUSAN OKAFOR",
          "C08",
          "memo \"root touch up\""
        ],
        [
          "2026-08-08T22:36:13Z",
          "card_purchase",
          -123.76,
          7895.36,
          "HARRIS TEETER #0312 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-10T10:00:00Z",
          "ach_credit",
          0,
          7895.36,
          "SQUARE INC SQ260810",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-10T11:00:00Z",
          "ach_debit",
          -325,
          7570.36,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-08-10T13:11:09Z",
          "card_purchase",
          -213.89,
          7356.47,
          "COSMOPROF #0412 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-08-11T00:47:23Z",
          "card_purchase",
          -189.76,
          7166.71,
          "AMAZON MKTPL*C43UJD86P Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-11T11:00:00Z",
          "ach_debit",
          -148.72,
          7017.99,
          "DUKE ENERGY PROGRESS AUTOPAY",
          null,
          "SEC PPD"
        ],
        [
          "2026-08-11T13:13:47Z",
          "p2p_in",
          278,
          7295.99,
          "P2P FROM SEAN LEE",
          "C09",
          "memo \"thank you!\""
        ],
        [
          "2026-08-11T18:57:46Z",
          "p2p_in",
          100,
          7395.99,
          "P2P FROM MICHAEL YOUNG",
          "C10",
          "memo \"silk press\""
        ],
        [
          "2026-08-12T00:22:01Z",
          "card_purchase",
          -53,
          7342.99,
          "TRADER JOE'S #745 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-12T10:00:00Z",
          "ach_credit",
          52.6,
          7395.59,
          "SQUARE INC SQ260812",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-12T11:59:18Z",
          "card_purchase",
          -8.94,
          7386.65,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-12T22:14:04Z",
          "p2p_in",
          76,
          7462.65,
          "P2P FROM ALEXIS ROMERO",
          "C11",
          "memo \"wash + blowout 8/12\""
        ],
        [
          "2026-08-13T10:00:00Z",
          "ach_credit",
          214.25,
          7676.9,
          "SQUARE INC SQ260813",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-13T17:06:08Z",
          "card_purchase",
          -33.2,
          7643.7,
          "COOK OUT #142 RALEIGH NC",
          null,
          "mcc 5814, chip"
        ],
        [
          "2026-08-13T18:22:37Z",
          "card_purchase",
          -47.78,
          7595.92,
          "PUBLIX #1688 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-13T21:40:46Z",
          "card_purchase",
          -46.97,
          7548.95,
          "AMAZON MKTPL*SASBRPV2T Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-14T08:41:32Z",
          "card_purchase",
          -11.99,
          7536.96,
          "SPOTIFY USA",
          null,
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-08-14T10:00:00Z",
          "ach_credit",
          0,
          7536.96,
          "SQUARE INC SQ260814",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-14T22:05:27Z",
          "card_purchase",
          -35.69,
          7501.27,
          "DOORDASH*DASHPASS SAN FRANCISCO CA",
          null,
          "mcc 5814, card not present"
        ],
        [
          "2026-08-15T12:57:28Z",
          "card_purchase",
          -55.43,
          7445.84,
          "AMAZON MKTPL*0PW6ZENWN Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-17T10:00:00Z",
          "ach_credit",
          488.71,
          7934.55,
          "SQUARE INC SQ260817",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-17T10:02:21Z",
          "card_purchase",
          -24.99,
          7909.56,
          "PLANET FITNESS CLUB FEES",
          null,
          "mcc 7997, card on file, recurring"
        ],
        [
          "2026-08-17T11:00:00Z",
          "ach_debit",
          -325,
          7584.56,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-08-17T13:58:36Z",
          "card_purchase",
          -232.3,
          7352.26,
          "COSMOPROF #0412 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-08-17T21:11:47Z",
          "card_purchase",
          -23.23,
          7329.03,
          "CHIPOTLE 2291 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-18T01:30:17Z",
          "card_purchase",
          -26.36,
          7302.67,
          "CHICK-FIL-A #01844 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-18T12:38:16Z",
          "atm_deposit",
          270,
          7572.67,
          "ATM CASH DEPOSIT #0418 RALEIGH NC",
          null,
          "our ATM; cash"
        ],
        [
          "2026-08-18T15:04:52Z",
          "card_purchase",
          -99.94,
          7472.73,
          "TJ MAXX #0817 RALEIGH NC",
          null,
          "mcc 5651, chip"
        ],
        [
          "2026-08-18T15:37:35Z",
          "card_purchase",
          -34.15,
          7438.58,
          "TRADER JOE'S #745 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-18T18:11:53Z",
          "p2p_in",
          316,
          7754.58,
          "P2P FROM SAMANTHA OWENS",
          "C12",
          "no memo"
        ],
        [
          "2026-08-18T22:10:43Z",
          "card_purchase",
          -63.75,
          7690.83,
          "AMAZON MKTPL*EAYRA40LK Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-18T22:38:25Z",
          "p2p_in",
          55,
          7745.83,
          "P2P FROM GARY HOFFMAN",
          "C13",
          "memo \"trim 8/18\""
        ],
        [
          "2026-08-19T10:00:00Z",
          "ach_credit",
          99.38,
          7845.21,
          "SQUARE INC SQ260819",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-19T12:39:30Z",
          "card_purchase",
          -5.67,
          7839.54,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-19T12:49:56Z",
          "card_purchase",
          -29.24,
          7810.3,
          "PUBLIX #1688 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-20T10:00:00Z",
          "ach_credit",
          253.96,
          8064.26,
          "SQUARE INC SQ260820",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-20T11:00:00Z",
          "ach_debit",
          -338.12,
          7726.14,
          "AMERICAN HONDA FIN PMT",
          null,
          "SEC PPD"
        ],
        [
          "2026-08-20T15:24:37Z",
          "card_purchase",
          -6.93,
          7719.21,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-20T16:32:07Z",
          "card_purchase",
          -244.71,
          7474.5,
          "SALLY BEAUTY #1187 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-08-21T00:22:28Z",
          "card_purchase",
          -54.85,
          7419.65,
          "BOND STREET TAQUERIA RALEIGH NC",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-08-21T01:53:43Z",
          "card_purchase",
          -54.31,
          7365.34,
          "CHIPOTLE 2291 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-21T10:00:00Z",
          "ach_credit",
          262.51,
          7627.85,
          "SQUARE INC SQ260821",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-21T11:48:52Z",
          "transfer_out",
          -5000,
          2627.85,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ],
        [
          "2026-08-21T12:42:45Z",
          "card_purchase",
          -10.57,
          2617.28,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-21T15:25:37Z",
          "p2p_in",
          56,
          2673.28,
          "P2P FROM YVETTE VARGAS",
          "C15",
          "memo \"see you in 6 wks!\""
        ],
        [
          "2026-08-21T16:53:20Z",
          "card_purchase",
          -33.07,
          2640.21,
          "TARGET 00028274 RALEIGH NC",
          null,
          "mcc 5310, contactless"
        ],
        [
          "2026-08-22T11:34:29Z",
          "card_purchase",
          -19.01,
          2621.2,
          "AMAZON MKTPL*OSTAM5NTR Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-22T12:39:19Z",
          "card_purchase",
          -37,
          2584.2,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-08-23T09:12:27Z",
          "card_purchase",
          -72.18,
          2512.02,
          "VERIZON WIRELESS PAYMENTS",
          null,
          "mcc 4814, card on file, recurring"
        ],
        [
          "2026-08-24T10:00:00Z",
          "ach_credit",
          837.98,
          3350,
          "SQUARE INC SQ260824",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-24T11:00:00Z",
          "ach_debit",
          -325,
          3025,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-08-24T12:36:33Z",
          "transfer_out",
          -300,
          2725,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ],
        [
          "2026-08-24T14:00:32Z",
          "card_purchase",
          -54.97,
          2670.03,
          "CIRCLE K #2709 RALEIGH NC",
          null,
          "mcc 5542, contactless"
        ],
        [
          "2026-08-25T12:38:40Z",
          "atm_deposit",
          360,
          3030.03,
          "ATM CASH DEPOSIT #0418 RALEIGH NC",
          null,
          "our ATM; cash"
        ],
        [
          "2026-08-25T14:14:30Z",
          "card_purchase",
          -10.82,
          3019.21,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-08-25T22:41:44Z",
          "p2p_in",
          80,
          3099.21,
          "P2P FROM KIMBERLY FORD",
          "C16",
          "memo \"blowout\""
        ],
        [
          "2026-08-26T08:44:49Z",
          "card_purchase",
          -9.99,
          3089.22,
          "HULU",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-08-26T10:00:00Z",
          "ach_credit",
          112.22,
          3201.44,
          "SQUARE INC SQ260826",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-26T17:35:10Z",
          "p2p_in",
          230,
          3431.44,
          "P2P FROM JULIE REYES",
          "C17",
          "memo \"partial highlights\""
        ],
        [
          "2026-08-26T18:47:13Z",
          "card_purchase",
          -44.73,
          3386.71,
          "BOND STREET TAQUERIA RALEIGH NC",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-08-26T21:32:22Z",
          "p2p_in",
          110,
          3496.71,
          "P2P FROM ALLISON YOUNG",
          "C18",
          "memo \"cut + blowout 8/26\""
        ],
        [
          "2026-08-26T21:51:51Z",
          "p2p_in",
          115,
          3611.71,
          "P2P FROM EMILY HOWARD",
          "C19",
          "memo \"cut + blowout 8/26\""
        ],
        [
          "2026-08-26T22:29:59Z",
          "card_purchase",
          -26.98,
          3584.73,
          "AMAZON MKTPL*8ZK2QDJJE Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-08-27T10:00:00Z",
          "ach_credit",
          0,
          3584.73,
          "SQUARE INC SQ260827",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-27T20:37:25Z",
          "card_purchase",
          -34.98,
          3549.75,
          "PUBLIX #1688 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-08-28T10:00:00Z",
          "ach_credit",
          113.48,
          3663.23,
          "SQUARE INC SQ260828",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-28T18:26:51Z",
          "p2p_in",
          175,
          3838.23,
          "P2P FROM JACQUELINE CARTER",
          "C20",
          "no memo"
        ],
        [
          "2026-08-29T00:33:31Z",
          "card_purchase",
          -46.01,
          3792.22,
          "ULTA BEAUTY #1123 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-08-29T00:35:06Z",
          "p2p_in",
          790,
          4582.22,
          "P2P FROM MARCO LIN",
          "C21",
          "memo \"rent + power\""
        ],
        [
          "2026-08-29T20:14:12Z",
          "card_purchase",
          -91.18,
          4491.04,
          "TJ MAXX #0817 RALEIGH NC",
          null,
          "mcc 5651, chip"
        ],
        [
          "2026-08-31T10:00:00Z",
          "ach_credit",
          347.39,
          4838.43,
          "SQUARE INC SQ260831",
          null,
          "SEC CCD"
        ],
        [
          "2026-08-31T11:00:00Z",
          "ach_debit",
          -325,
          4513.43,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-08-31T12:17:02Z",
          "transfer_out",
          -300,
          4213.43,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ],
        [
          "2026-09-01T11:00:00Z",
          "ach_debit",
          -1425,
          2788.43,
          "ALTA BRIER APTS RENT",
          null,
          "SEC WEB"
        ],
        [
          "2026-09-01T11:33:16Z",
          "card_purchase",
          -33.26,
          2755.17,
          "CIRCLE K #2709 RALEIGH NC",
          null,
          "mcc 5542, contactless"
        ],
        [
          "2026-09-01T12:41:31Z",
          "atm_deposit",
          170,
          2925.17,
          "ATM CASH DEPOSIT #0418 RALEIGH NC",
          null,
          "our ATM; cash"
        ],
        [
          "2026-09-01T13:19:46Z",
          "card_purchase",
          -6.82,
          2918.35,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-01T13:31:54Z",
          "card_purchase",
          -9.42,
          2908.93,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-01T16:38:07Z",
          "p2p_in",
          145,
          3053.93,
          "P2P FROM JOSHUA HALL",
          "C22",
          "memo \"thank you!\""
        ],
        [
          "2026-09-01T20:57:22Z",
          "card_purchase",
          -48.51,
          3005.42,
          "FOOD LION #1557 RALEIGH NC",
          null,
          "mcc 5411, chip"
        ],
        [
          "2026-09-01T21:54:38Z",
          "p2p_in",
          120,
          3125.42,
          "P2P FROM JESSE TRAN",
          "C23",
          "memo \"cut + blowout\""
        ],
        [
          "2026-09-02T08:40:43Z",
          "card_purchase",
          -15.49,
          3109.93,
          "NETFLIX.COM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-09-02T10:00:00Z",
          "ach_credit",
          168.28,
          3278.21,
          "SQUARE INC SQ260902",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-02T14:21:45Z",
          "card_purchase",
          -5.14,
          3273.07,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-02T15:04:50Z",
          "card_purchase",
          -7.87,
          3265.2,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-02T15:22:23Z",
          "card_purchase",
          -10.61,
          3254.59,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-02T19:31:28Z",
          "p2p_in",
          115,
          3369.59,
          "P2P FROM OLIVIA ELLIS",
          "C24",
          "no memo"
        ],
        [
          "2026-09-02T20:47:16Z",
          "card_purchase",
          -64.04,
          3305.55,
          "CHICK-FIL-A #01844 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-02T20:56:15Z",
          "p2p_in",
          80,
          3385.55,
          "P2P FROM MORGAN CARPENTER",
          "C25",
          "memo \"wash + blowout\""
        ],
        [
          "2026-09-03T01:14:46Z",
          "transfer_in",
          400,
          3785.55,
          "TRANSFER FROM EXT ACCT x5512",
          "C14",
          "ACH from linked account in customer's name"
        ],
        [
          "2026-09-03T07:01:42Z",
          "card_purchase",
          -29,
          3756.55,
          "SQ *SQUARE APPOINTMENTS",
          null,
          "mcc 7372, card on file, recurring"
        ],
        [
          "2026-09-03T10:00:00Z",
          "ach_credit",
          207.64,
          3964.19,
          "SQUARE INC SQ260903",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-03T19:42:23Z",
          "card_purchase",
          -58.14,
          3906.05,
          "TJ MAXX #0817 RALEIGH NC",
          null,
          "mcc 5651, chip"
        ],
        [
          "2026-09-04T10:00:00Z",
          "ach_credit",
          165.12,
          4071.17,
          "SQUARE INC SQ260904",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-05T17:02:48Z",
          "card_purchase",
          -47.94,
          4023.23,
          "ULTA BEAUTY #1123 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-09-06T18:24:07Z",
          "card_purchase",
          -38.13,
          3985.1,
          "CIRCLE K #2709 RALEIGH NC",
          null,
          "mcc 5542, contactless"
        ],
        [
          "2026-09-06T22:01:33Z",
          "card_purchase",
          -107.52,
          3877.58,
          "SALLY BEAUTY #1187 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-09-07T00:07:10Z",
          "card_purchase",
          -84.58,
          3793,
          "TARGET 00028274 RALEIGH NC",
          null,
          "mcc 5310, contactless"
        ],
        [
          "2026-09-07T09:00:26Z",
          "card_purchase",
          -74.99,
          3718.01,
          "SPECTRUM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-09-07T12:26:28Z",
          "transfer_out",
          -500,
          3218.01,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ],
        [
          "2026-09-07T20:23:46Z",
          "card_purchase",
          -35.24,
          3182.77,
          "TJ MAXX #0817 RALEIGH NC",
          null,
          "mcc 5651, chip"
        ],
        [
          "2026-09-08T00:06:33Z",
          "card_purchase",
          -20.01,
          3162.76,
          "CHICK-FIL-A #01844 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-08T07:15:03Z",
          "card_purchase",
          -2.99,
          3159.77,
          "APPLE.COM/BILL",
          null,
          "mcc 5818, card on file, recurring"
        ],
        [
          "2026-09-08T10:00:00Z",
          "ach_credit",
          420.27,
          3580.04,
          "SQUARE INC SQ260908",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-08T11:00:00Z",
          "ach_debit",
          -325,
          3255.04,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-09-08T12:28:48Z",
          "atm_deposit",
          290,
          3545.04,
          "ATM CASH DEPOSIT #0418 RALEIGH NC",
          null,
          "our ATM; cash"
        ],
        [
          "2026-09-08T12:55:04Z",
          "card_purchase",
          -5.99,
          3539.05,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-08T15:01:15Z",
          "p2p_in",
          275,
          3814.05,
          "P2P FROM LINDA COLEMAN",
          "C26",
          "memo \"thank you!\""
        ],
        [
          "2026-09-08T15:34:32Z",
          "p2p_in",
          320,
          4134.05,
          "P2P FROM MEGAN TUCKER",
          "C27",
          "memo \"see you in 6 wks!\""
        ],
        [
          "2026-09-08T18:04:01Z",
          "p2p_in",
          174,
          4308.05,
          "P2P FROM LINDA AGUILAR",
          "C28",
          "memo \"thank you!\""
        ],
        [
          "2026-09-08T19:23:10Z",
          "p2p_in",
          80,
          4388.05,
          "P2P FROM PAIGE BURNS",
          "C29",
          "no memo"
        ],
        [
          "2026-09-08T19:57:32Z",
          "card_purchase",
          -38.16,
          4349.89,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-08T20:05:14Z",
          "card_purchase",
          -111.84,
          4238.05,
          "COSMOPROF #0412 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-09-09T00:24:33Z",
          "card_purchase",
          -44.13,
          4193.92,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-09T10:00:00Z",
          "ach_credit",
          95.35,
          4289.27,
          "SQUARE INC SQ260909",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-09T11:06:25Z",
          "card_purchase",
          -7.99,
          4281.28,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-09T13:17:30Z",
          "p2p_in",
          145,
          4426.28,
          "P2P FROM REBECCA RICE",
          "C30",
          "memo \"root touch up\""
        ],
        [
          "2026-09-09T22:55:41Z",
          "p2p_in",
          120,
          4546.28,
          "P2P FROM AMY LOPEZ",
          "C31",
          "memo \"cut + blowout\""
        ],
        [
          "2026-09-10T10:00:00Z",
          "ach_credit",
          114.14,
          4660.42,
          "SQUARE INC SQ260910",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-10T18:02:11Z",
          "p2p_in",
          95,
          4755.42,
          "P2P FROM MONIQUE PRYOR",
          "C32",
          "memo \"trim + gloss\""
        ],
        [
          "2026-09-10T18:03:02Z",
          "p2p_in",
          95,
          4850.42,
          "P2P FROM MONIQUE PRYOR",
          "C32",
          "memo \"trim + gloss\""
        ],
        [
          "2026-09-10T18:35:30Z",
          "card_purchase",
          -110.71,
          4739.71,
          "HARRIS TEETER #0312 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-10T23:31:20Z",
          "p2p_out",
          -95,
          4644.71,
          "P2P TO MONIQUE PRYOR",
          "C32",
          "memo \"refund - double payment\""
        ],
        [
          "2026-09-11T10:00:00Z",
          "ach_credit",
          152.01,
          4796.72,
          "SQUARE INC SQ260911",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-11T11:00:00Z",
          "ach_debit",
          -171.75,
          4624.97,
          "DUKE ENERGY PROGRESS AUTOPAY",
          null,
          "SEC PPD"
        ],
        [
          "2026-09-11T16:55:25Z",
          "p2p_in",
          109,
          4733.97,
          "P2P FROM NATALIE FISHER",
          "C33",
          "memo \"thank you!\""
        ],
        [
          "2026-09-12T15:52:08Z",
          "p2p_in",
          105,
          4838.97,
          "P2P FROM HOLLY ARNOLD",
          "C34",
          "memo \"cut + style\""
        ],
        [
          "2026-09-12T17:35:33Z",
          "card_purchase",
          -49.84,
          4789.13,
          "AMAZON MKTPL*E41E4G05K Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-09-12T18:47:30Z",
          "p2p_in",
          140,
          4929.13,
          "P2P FROM TAMARA LONG",
          "C05",
          "memo \"root touch up\""
        ],
        [
          "2026-09-13T12:36:26Z",
          "card_purchase",
          -17.92,
          4911.21,
          "AMAZON MKTPL*5HGAWST4W Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-09-13T20:47:50Z",
          "card_purchase",
          -32.54,
          4878.67,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-13T22:01:38Z",
          "card_purchase",
          -20.27,
          4858.4,
          "CVS/PHARMACY #07721 RALEIGH NC",
          null,
          "mcc 5912, contactless"
        ],
        [
          "2026-09-13T23:50:58Z",
          "card_purchase",
          -37.23,
          4821.17,
          "CHICK-FIL-A #01844 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-14T08:41:37Z",
          "card_purchase",
          -11.99,
          4809.18,
          "SPOTIFY USA",
          null,
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-09-14T10:00:00Z",
          "ach_credit",
          323.44,
          5132.62,
          "SQUARE INC SQ260914",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-14T11:00:00Z",
          "ach_debit",
          -325,
          4807.62,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-09-14T12:55:17Z",
          "transfer_out",
          -600,
          4207.62,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ],
        [
          "2026-09-14T18:15:11Z",
          "card_purchase",
          -39.12,
          4168.5,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-14T22:49:59Z",
          "card_purchase",
          -28.03,
          4140.47,
          "TJ MAXX #0817 RALEIGH NC",
          null,
          "mcc 5651, chip"
        ],
        [
          "2026-09-15T11:00:00Z",
          "ach_debit",
          -2600,
          1540.47,
          "IRS USATAXPYMT",
          null,
          "SEC WEB; estimated tax payment"
        ],
        [
          "2026-09-15T11:00:00Z",
          "ach_debit",
          -520,
          1020.47,
          "NC DEPT OF REVENUE EST TAX",
          null,
          "SEC WEB; estimated tax payment"
        ],
        [
          "2026-09-15T13:01:32Z",
          "p2p_in",
          104,
          1124.47,
          "P2P FROM JESSICA WELLS",
          "C35",
          "no memo"
        ],
        [
          "2026-09-15T17:55:23Z",
          "p2p_in",
          140,
          1264.47,
          "P2P FROM JENNIFER CRAWFORD",
          "C36",
          "memo \"root touch up\""
        ],
        [
          "2026-09-15T18:06:03Z",
          "p2p_in",
          115,
          1379.47,
          "P2P FROM DESTINY MATTHEWS",
          "C07",
          "memo \"cut\""
        ],
        [
          "2026-09-16T10:00:00Z",
          "ach_credit",
          302.26,
          1681.73,
          "SQUARE INC SQ260916",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-16T15:30:15Z",
          "p2p_in",
          115,
          1796.73,
          "P2P FROM GABRIEL STEVENS",
          "C37",
          "memo \"cut\""
        ],
        [
          "2026-09-16T19:40:04Z",
          "card_purchase",
          -103.65,
          1693.08,
          "SALLY BEAUTY #1187 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-09-16T20:38:10Z",
          "p2p_in",
          75,
          1768.08,
          "P2P FROM SUSAN OKAFOR",
          "C08",
          "memo \"blowout\""
        ],
        [
          "2026-09-16T22:28:08Z",
          "p2p_in",
          261,
          2029.08,
          "P2P FROM CAITLIN CLARK",
          "C38",
          "memo \"highlights!!\""
        ],
        [
          "2026-09-17T10:00:00Z",
          "ach_credit",
          195.17,
          2224.25,
          "SQUARE INC SQ260917",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-17T10:02:01Z",
          "card_purchase",
          -24.99,
          2199.26,
          "PLANET FITNESS CLUB FEES",
          null,
          "mcc 7997, card on file, recurring"
        ],
        [
          "2026-09-17T11:08:46Z",
          "card_purchase",
          -50.67,
          2148.59,
          "CIRCLE K #2709 RALEIGH NC",
          null,
          "mcc 5542, contactless"
        ],
        [
          "2026-09-17T11:10:54Z",
          "card_purchase",
          -8.64,
          2139.95,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-17T19:41:44Z",
          "p2p_in",
          56,
          2195.95,
          "P2P FROM ALICIA GUZMAN",
          "C02",
          "memo \"kids cut 9/17\""
        ],
        [
          "2026-09-17T22:02:59Z",
          "p2p_in",
          172,
          2367.95,
          "P2P FROM SIMONE RYAN",
          "C39",
          "no memo"
        ],
        [
          "2026-09-17T22:06:58Z",
          "card_purchase",
          -99.94,
          2268.01,
          "TJ MAXX #0817 RALEIGH NC",
          null,
          "mcc 5651, chip"
        ],
        [
          "2026-09-18T10:00:00Z",
          "ach_credit",
          241.7,
          2509.71,
          "SQUARE INC SQ260918",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-18T11:03:00Z",
          "card_purchase",
          -8.63,
          2501.08,
          "STARBUCKS STORE 08812 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-18T15:39:46Z",
          "p2p_in",
          100,
          2601.08,
          "P2P FROM DANIELLE SCHMIDT",
          "C40",
          "memo \"cut + style\""
        ],
        [
          "2026-09-20T17:55:40Z",
          "card_purchase",
          -37.68,
          2563.4,
          "BOND STREET TAQUERIA RALEIGH NC",
          null,
          "mcc 5812, chip"
        ],
        [
          "2026-09-20T23:55:03Z",
          "card_purchase",
          -49,
          2514.4,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-21T10:00:00Z",
          "ach_credit",
          403.98,
          2918.38,
          "SQUARE INC SQ260921",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-21T11:00:00Z",
          "ach_debit",
          -338.12,
          2580.26,
          "AMERICAN HONDA FIN PMT",
          null,
          "SEC PPD"
        ],
        [
          "2026-09-21T11:00:00Z",
          "ach_debit",
          -325,
          2255.26,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-09-21T12:34:30Z",
          "transfer_out",
          -500,
          1755.26,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ],
        [
          "2026-09-21T17:52:12Z",
          "card_purchase",
          -412.67,
          1342.59,
          "VERIZON WIRELESS #2817 RALEIGH NC",
          null,
          "mcc 4812, chip"
        ],
        [
          "2026-09-22T12:28:36Z",
          "atm_deposit",
          310,
          1652.59,
          "ATM CASH DEPOSIT #0418 RALEIGH NC",
          null,
          "our ATM; cash"
        ],
        [
          "2026-09-22T15:46:11Z",
          "card_purchase",
          -130.5,
          1522.09,
          "TARGET 00028274 RALEIGH NC",
          null,
          "mcc 5310, contactless"
        ],
        [
          "2026-09-22T16:00:11Z",
          "card_purchase",
          -43.22,
          1478.87,
          "ULTA BEAUTY #1123 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-09-22T18:11:44Z",
          "p2p_in",
          280,
          1758.87,
          "P2P FROM SEAN LEE",
          "C09",
          "memo \"thank you!\""
        ],
        [
          "2026-09-22T19:24:09Z",
          "p2p_in",
          75,
          1833.87,
          "P2P FROM CAITLIN FREEMAN",
          "C41",
          "memo \"blowout\""
        ],
        [
          "2026-09-22T20:20:11Z",
          "card_purchase",
          -45.97,
          1787.9,
          "COOK OUT #142 RALEIGH NC",
          null,
          "mcc 5814, chip"
        ],
        [
          "2026-09-23T09:12:32Z",
          "card_purchase",
          -104.61,
          1683.29,
          "VERIZON WIRELESS PAYMENTS",
          null,
          "mcc 4814, card on file, recurring"
        ],
        [
          "2026-09-23T10:00:00Z",
          "ach_credit",
          129.69,
          1812.98,
          "SQUARE INC SQ260923",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-23T17:25:04Z",
          "p2p_in",
          80,
          1892.98,
          "P2P FROM ALEXIS ROMERO",
          "C11",
          "no memo"
        ],
        [
          "2026-09-23T18:04:15Z",
          "card_purchase",
          -62.13,
          1830.85,
          "CHIPOTLE 2291 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-24T00:09:13Z",
          "card_purchase",
          -116.24,
          1714.61,
          "PUBLIX #1688 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-09-24T10:00:00Z",
          "ach_credit",
          74.09,
          1788.7,
          "SQUARE INC SQ260924",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-24T14:15:28Z",
          "card_purchase",
          -11.16,
          1777.54,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-24T16:33:17Z",
          "p2p_in",
          117,
          1894.54,
          "P2P FROM BRIANNA WILLIS",
          "C42",
          "memo \"cut + blowout\""
        ],
        [
          "2026-09-24T20:07:32Z",
          "p2p_in",
          80,
          1974.54,
          "P2P FROM OLIVIA GORDON",
          "C43",
          "memo \"see you in 6 wks!\""
        ],
        [
          "2026-09-25T10:00:00Z",
          "ach_credit",
          144.22,
          2118.76,
          "SQUARE INC SQ260925",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-26T08:44:15Z",
          "card_purchase",
          -9.99,
          2108.77,
          "HULU",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-09-26T17:08:42Z",
          "p2p_in",
          310,
          2418.77,
          "P2P FROM SAMANTHA OWENS",
          "C12",
          "memo \"thank you!\""
        ],
        [
          "2026-09-26T21:48:40Z",
          "p2p_in",
          620,
          3038.77,
          "P2P FROM BRIANNA HOLT",
          "C44",
          "memo \"wedding 10/4 - bride trial + 4 updos\""
        ],
        [
          "2026-09-27T01:00:53Z",
          "card_purchase",
          -12.94,
          3025.83,
          "COOK OUT #142 RALEIGH NC",
          null,
          "mcc 5814, chip"
        ],
        [
          "2026-09-27T17:34:32Z",
          "card_purchase",
          -72,
          2953.83,
          "AMAZON MKTPL*52JNXNM3R Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-09-28T10:00:00Z",
          "ach_credit",
          397.87,
          3351.7,
          "SQUARE INC SQ260928",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-28T11:00:00Z",
          "ach_debit",
          -325,
          3026.7,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-09-28T12:50:43Z",
          "transfer_out",
          -600,
          2426.7,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ],
        [
          "2026-09-28T21:41:38Z",
          "card_purchase",
          -34.4,
          2392.3,
          "SHEETZ 0612 RALEIGH NC",
          null,
          "mcc 5542, chip"
        ],
        [
          "2026-09-28T22:29:01Z",
          "card_purchase",
          -154.94,
          2237.36,
          "SALLY BEAUTY #1187 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-09-29T00:44:48Z",
          "p2p_in",
          790,
          3027.36,
          "P2P FROM MARCO LIN",
          "C21",
          "memo \"rent + power\""
        ],
        [
          "2026-09-29T01:03:41Z",
          "card_purchase",
          -61.98,
          2965.38,
          "CHICK-FIL-A #01844 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-09-29T12:40:03Z",
          "atm_deposit",
          350,
          3315.38,
          "ATM CASH DEPOSIT #0418 RALEIGH NC",
          null,
          "our ATM; cash"
        ],
        [
          "2026-09-29T15:13:20Z",
          "p2p_in",
          80,
          3395.38,
          "P2P FROM PAIGE RICE",
          "C45",
          "memo \"see you in 6 wks!\""
        ],
        [
          "2026-09-29T17:06:17Z",
          "p2p_in",
          75,
          3470.38,
          "P2P FROM BIANCA LANE",
          "C46",
          "no memo"
        ],
        [
          "2026-09-29T22:37:20Z",
          "p2p_in",
          55,
          3525.38,
          "P2P FROM LISA SILVA",
          "C47",
          "memo \"trim\""
        ],
        [
          "2026-09-30T10:00:00Z",
          "ach_credit",
          142.54,
          3667.92,
          "SQUARE INC SQ260930",
          null,
          "SEC CCD"
        ],
        [
          "2026-09-30T15:49:14Z",
          "card_purchase",
          -36.68,
          3631.24,
          "AMAZON MKTPL*BBLGCVT2A Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-09-30T16:08:46Z",
          "card_purchase",
          -122.37,
          3508.87,
          "SALLY BEAUTY #1187 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-10-01T00:00:18Z",
          "card_purchase",
          -68.68,
          3440.19,
          "AMAZON MKTPL*V5Y09H8I1 Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-10-01T00:06:42Z",
          "card_purchase",
          -18.71,
          3421.48,
          "CHICK-FIL-A #01844 RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-10-01T10:00:00Z",
          "ach_credit",
          413.29,
          3834.77,
          "SQUARE INC SQ261001",
          null,
          "SEC CCD"
        ],
        [
          "2026-10-01T11:00:00Z",
          "ach_debit",
          -1425,
          2409.77,
          "ALTA BRIER APTS RENT",
          null,
          "SEC WEB"
        ],
        [
          "2026-10-01T12:00:55Z",
          "card_purchase",
          -35.1,
          2374.67,
          "PUBLIX #1688 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-10-01T23:56:03Z",
          "card_purchase",
          -42.48,
          2332.19,
          "ULTA BEAUTY #1123 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-10-02T08:40:39Z",
          "card_purchase",
          -15.49,
          2316.7,
          "NETFLIX.COM",
          null,
          "mcc 4899, card on file, recurring"
        ],
        [
          "2026-10-02T10:00:00Z",
          "ach_credit",
          489.42,
          2806.12,
          "SQUARE INC SQ261002",
          null,
          "SEC CCD"
        ],
        [
          "2026-10-02T13:11:43Z",
          "p2p_in",
          105,
          2911.12,
          "P2P FROM GABRIELLE HUNT",
          "C48",
          "memo \"silk press\""
        ],
        [
          "2026-10-02T16:36:32Z",
          "card_purchase",
          -27.42,
          2883.7,
          "AMAZON MKTPL*ZMME11GHF Amzn.com/bill WA",
          null,
          "mcc 5942, card not present"
        ],
        [
          "2026-10-02T23:59:05Z",
          "card_purchase",
          -42.05,
          2841.65,
          "CIRCLE K #2709 RALEIGH NC",
          null,
          "mcc 5542, contactless"
        ],
        [
          "2026-10-03T07:01:32Z",
          "card_purchase",
          -29,
          2812.65,
          "SQ *SQUARE APPOINTMENTS",
          null,
          "mcc 7372, card on file, recurring"
        ],
        [
          "2026-10-03T13:14:07Z",
          "p2p_in",
          55,
          2867.65,
          "P2P FROM BRIANNA HOLT",
          "C44",
          "memo \"one more bridesmaid!\""
        ],
        [
          "2026-10-03T14:22:37Z",
          "card_purchase",
          -10.71,
          2856.94,
          "PERSIMMON CAFE RALEIGH NC",
          null,
          "mcc 5814, contactless"
        ],
        [
          "2026-10-03T18:04:15Z",
          "card_purchase",
          -27.18,
          2829.76,
          "DOORDASH*DASHPASS SAN FRANCISCO CA",
          null,
          "mcc 5814, card not present"
        ],
        [
          "2026-10-04T14:57:16Z",
          "card_purchase",
          -78.58,
          2751.18,
          "FOOD LION #1557 RALEIGH NC",
          null,
          "mcc 5411, chip"
        ],
        [
          "2026-10-04T17:04:42Z",
          "card_purchase",
          -60.69,
          2690.49,
          "PUBLIX #1688 RALEIGH NC",
          null,
          "mcc 5411, contactless"
        ],
        [
          "2026-10-04T20:30:22Z",
          "card_purchase",
          -100.3,
          2590.19,
          "TARGET 00028274 RALEIGH NC",
          null,
          "mcc 5310, contactless"
        ],
        [
          "2026-10-04T22:28:07Z",
          "card_purchase",
          -204.55,
          2385.64,
          "COSMOPROF #0412 RALEIGH NC",
          null,
          "mcc 5977, chip"
        ],
        [
          "2026-10-05T10:00:00Z",
          "ach_credit",
          729.18,
          3114.82,
          "SQUARE INC SQ261005",
          null,
          "SEC CCD"
        ],
        [
          "2026-10-05T11:00:00Z",
          "ach_debit",
          -325,
          2789.82,
          "LINDEN ROW SUITES RENT",
          "C04",
          "SEC WEB"
        ],
        [
          "2026-10-05T12:41:50Z",
          "transfer_out",
          -500,
          2289.82,
          "TRANSFER TO EXT ACCT x5512",
          "C14",
          "standard ACH to linked account in customer's name"
        ]
      ]
    },
    "reports_from_other_institutions": [
      {
        "received": "2026-09-10T19:05:00Z",
        "type": "P2P network request to return a payment sent in error",
        "from": "Monique Pryor's bank (credit union, NC)",
        "about": "Two P2P credits of $95.00 a minute apart on 2026-09-10 (C32)",
        "detail": "Sender says she paid twice by mistake and asks for one payment back. Customer sent $95.00 back to the sender at 19:31 the same day; the request was closed as resolved."
      }
    ],
    "customer_contact": [
      {
        "ts": "2026-05-14T16:05:00Z",
        "channel": "Branch, personal banker (Falls Village branch)",
        "note": "Customer asked about a business checking account because she now rents a booth in a salon suite and takes payments from her own clients. Banker explained the documents needed (EIN or DBA filing) and the monthly fee; customer said she would think about it. No business account opened."
      },
      {
        "ts": "2026-09-21T18:34:00Z",
        "channel": "Phone, contact center",
        "note": "Customer called after a 'new device' text. Confirmed she bought a new iPhone today and that she logged in on it. Verified by one-time code and security questions."
      }
    ],
    "case_notes": [
      {
        "ts": "2026-10-05T13:45:00Z",
        "note": "Alert assigned. Account not restricted. No outreach to the customer yet."
      }
    ],
    "alert": {
      "alert_id": "AML-PT-2026-100504",
      "created": "2026-10-05T13:30:00Z",
      "scenario": "Pass-through activity / possible money mule",
      "status": "New",
      "rules_fired": [
        "PT-02 all credits in 30 days at least 2.5x expected monthly deposits ($11,236.62 against $3,200)",
        "PT-03 25 or more distinct senders in 30 days (31)",
        "PT-07 external account linked in the last 60 days received $5,000 or more (x5512, linked 2026-08-20: $8,300.00)"
      ],
      "monitoring_model_score": 0.71,
      "last_30_days": {
        "window": "2026-09-05T13:30:00Z to 2026-10-05T13:30:00Z",
        "all_credits_usd": 11236.62,
        "pay_benefits_and_settlements_usd": 4768.62,
        "credits_from_others_usd": 5518,
        "credits_from_others_count": 33,
        "distinct_senders": 31,
        "first_time_senders": 6,
        "expected_monthly_deposits_usd": 3200,
        "credits_from_others_moved_out_within_48h_pct": 18,
        "out_by_p2p_usd": 95,
        "out_by_external_transfer_usd": 2700,
        "out_by_wire_usd": 0,
        "out_as_cash_usd": 0,
        "balance_at_end_usd": 2289.82
      }
    }
  },
  "questions": {
    "is_mule": {
      "type": "noul",
      "instructions": "Is this account being used as a money mule account, receiving money from other people and passing it on to someone else?"
    },
    "holder_role": {
      "type": "choice",
      "instructions": "Which best describes the account holder's part in the money moving through this account?",
      "criteria": {
        "complicit": "The account holder knowingly moves money for others, for example for a cut of each payment or by selling or renting out the account",
        "unwitting": "The account holder moves money for someone else without knowing it is criminal proceeds, for example after being recruited through a fake job offer or an online relationship",
        "not_in_control": "Someone other than the account holder controls the account, for example after an account takeover or because it was opened with a stolen identity",
        "no_mule_activity": "The account is not being used to move other people's money"
      }
    },
    "fraud_proceeds": {
      "type": "score",
      "instructions": "How likely is it that most of the money other people sent to this account came from victims of fraud or scams?",
      "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 institution do with this account now?",
      "criteria": {
        "monitor": "Keep the account open without restrictions and continue normal monitoring",
        "restrict": "Restrict outbound transfers and cash withdrawals, and contact the customer about the activity",
        "close_and_refer": "Close the account and refer it to the BSA/AML team for a suspicious activity report"
      }
    }
  }
}