{
  "model": "grayson-1",
  "state": {
    "case": {
      "case_id": "SANC-2026-10-0389",
      "opened": "2026-10-05T17:05:00Z",
      "queue": "Sanctions screening, level 1",
      "institution": "US bank; this case was assembled by our case-management system from the screening alert and our records",
      "alerts_in_case": [
        "SCR-CUST-20261002-029310 (customer rescreening)",
        "PAY-SCR-20261005-00419 (outgoing wire)"
      ]
    },
    "customer": {
      "customer_id": "C-0022917604",
      "customer_since": "2012-04-18",
      "name": {
        "first": "Garnik",
        "last": "Terzian",
        "as_on_id": "TERZIAN GARNIK"
      },
      "other_names": [
        "Garnik Terzyan (spelling on his Armenian passport)"
      ],
      "date_of_birth": "1979-06-02",
      "place_of_birth": "Gyumri, Armenia",
      "gender": "Male",
      "citizenship": [
        "United States (naturalized 2016)",
        "Armenia"
      ],
      "identity_documents": [
        {
          "type": "Passport",
          "issuer": "United States",
          "number": "masked (ends 3306)",
          "issued": "2024-01-22",
          "expires": "2034-01-21",
          "verified": "2024-02-05, documentary, ID update"
        },
        {
          "type": "Passport",
          "issuer": "Armenia",
          "number": "AK0193377",
          "issued": "2009-03-03",
          "expires": "2019-03-02",
          "verified": "2012-04-18, documentary, at account opening (expired; no current Armenian passport on file)"
        },
        {
          "type": "Taxpayer ID",
          "issuer": "United States",
          "number": "SSN, masked (ends 7719)"
        }
      ],
      "addresses": [
        {
          "type": "residential",
          "address": "1328 Raymond Ave, Glendale, CA 91201",
          "since": "2018-09-01"
        },
        {
          "type": "previous residential",
          "address": "455 W Doran St, Apt 12, Glendale, CA 91203",
          "from": "2012-04-18",
          "to": "2018-08-31"
        }
      ],
      "phone": "+1 818-555-0122",
      "email": "garnik.terzian@example.net",
      "occupation": "Owner, Terzian Precision Services (CNC machine repair and spindle rebuilding), Glendale",
      "employment_history_on_file": "2012 to 2017: CNC service technician, Valley Precision Machining, Burbank (payroll deposits to x6610); 2017 onward: own business",
      "source_of_funds": "Business income",
      "risk_rating": {
        "rating": "Medium",
        "since": "2017-05-02",
        "reason": "Business owner with international wires to Armenia"
      },
      "kyc_reviews": [
        {
          "date": "2024-02-05",
          "type": "periodic review",
          "result": "no change; customer explained Armenia wires as parts bought from his brother's rebuild shop and money for his mother"
        }
      ],
      "sar_history": "none"
    },
    "accounts": [
      {
        "account": "x6610",
        "type": "personal checking",
        "opened": "2012-04-18",
        "owners": [
          "Garnik Terzian",
          "Lusine Terzian (spouse)"
        ],
        "status": "open",
        "debit_cards": [
          "x2280 (Garnik), active",
          "x2298 (Lusine), active"
        ]
      },
      {
        "account": "x6628",
        "type": "personal savings",
        "opened": "2014-11-03",
        "owners": [
          "Garnik Terzian",
          "Lusine Terzian"
        ],
        "status": "open"
      },
      {
        "account": "x6637",
        "type": "business checking",
        "opened": "2017-05-02",
        "owners": [
          "Garnik Terzian dba Terzian Precision Services"
        ],
        "status": "open",
        "business": {
          "legal_name": "Garnik Terzian dba Terzian Precision Services",
          "structure": "sole proprietorship, fictitious business name filed in Los Angeles County 2017",
          "address": "6120 San Fernando Rd, Unit C, Glendale, CA 91201",
          "naics": "811310 Commercial and industrial machinery repair",
          "stated_activity": "Repairs CNC machines and rebuilds spindles for machine shops in the San Fernando Valley; buys rebuilt spindle cartridges from a supplier in Armenia; occasionally sells used spindle units",
          "expected_activity": {
            "monthly_deposits_usd": 70000,
            "wire_countries": [
              "AM"
            ],
            "cash": "rare"
          }
        },
        "debit_card": "business debit x6651, active"
      }
    ],
    "monthly_summary": {
      "x6610": {
        "columns": [
          "month",
          "credits_usd",
          "debits_usd",
          "card_purchases_usd",
          "ach_and_transfers_in_usd",
          "ach_and_transfers_out_usd",
          "wires_in_usd",
          "wires_out_usd",
          "cash_in_usd",
          "cash_out_usd",
          "ending_balance_usd"
        ],
        "rows": [
          [
            "2025-10",
            10000,
            8292.59,
            2892.92,
            10000,
            5399.67,
            0,
            0,
            0,
            0,
            10127.96
          ],
          [
            "2025-11",
            5000,
            9349.73,
            3961.68,
            5000,
            5388.05,
            0,
            0,
            0,
            0,
            5778.23
          ],
          [
            "2025-12",
            15000,
            10289.72,
            2849.42,
            15000,
            5440.3,
            0,
            2000,
            0,
            0,
            10488.51
          ],
          [
            "2026-01",
            10000,
            9986.13,
            4612.12,
            10000,
            5374.01,
            0,
            0,
            0,
            0,
            10502.38
          ],
          [
            "2026-02",
            5000,
            8041.04,
            2635.01,
            5000,
            5406.03,
            0,
            0,
            0,
            0,
            7461.34
          ],
          [
            "2026-03",
            15000,
            9350.18,
            2925.27,
            15000,
            5424.91,
            0,
            1000,
            0,
            0,
            13111.16
          ],
          [
            "2026-04",
            10000,
            8064.09,
            2690.37,
            10000,
            5373.72,
            0,
            0,
            0,
            0,
            15047.07
          ],
          [
            "2026-05",
            5000,
            8945.3,
            3567.54,
            5000,
            5377.76,
            0,
            0,
            0,
            0,
            11101.77
          ],
          [
            "2026-06",
            15000,
            14408.81,
            9021.77,
            15000,
            5387.04,
            0,
            0,
            0,
            0,
            11692.96
          ],
          [
            "2026-07",
            10000,
            10087.31,
            3148.42,
            10000,
            5438.89,
            0,
            1500,
            0,
            0,
            11605.65
          ],
          [
            "2026-08",
            10000,
            8478.91,
            2681.51,
            10000,
            5409.8,
            0,
            0,
            0,
            387.6,
            13126.74
          ],
          [
            "2026-09",
            10000,
            9355.17,
            3972.5,
            10000,
            5382.67,
            0,
            0,
            0,
            0,
            13771.57
          ],
          [
            "2026-10 (to 10-05)",
            0,
            5066.8,
            714.14,
            0,
            4352.66,
            0,
            0,
            0,
            0,
            8704.77
          ]
        ]
      },
      "x6637": {
        "columns": [
          "month",
          "credits_usd",
          "debits_usd",
          "card_purchases_usd",
          "ach_and_transfers_in_usd",
          "ach_and_transfers_out_usd",
          "wires_in_usd",
          "wires_out_usd",
          "cash_in_usd",
          "cash_out_usd",
          "ending_balance_usd"
        ],
        "rows": [
          [
            "2025-10",
            43112.24,
            43102.01,
            0,
            43112.24,
            43102.01,
            0,
            0,
            0,
            0,
            41421.15
          ],
          [
            "2025-11",
            38623.2,
            41408.24,
            0,
            38623.2,
            41408.24,
            0,
            0,
            0,
            0,
            38636.11
          ],
          [
            "2025-12",
            46047.25,
            47277.1,
            0,
            46047.25,
            47277.1,
            0,
            0,
            0,
            0,
            37406.26
          ],
          [
            "2026-01",
            56180.89,
            64452.54,
            0,
            56180.89,
            58552.54,
            0,
            5900,
            0,
            0,
            29134.61
          ],
          [
            "2026-02",
            51305.73,
            38163.62,
            0,
            51305.73,
            38163.62,
            0,
            0,
            0,
            0,
            42276.72
          ],
          [
            "2026-03",
            64909.4,
            58585.28,
            0,
            64909.4,
            58585.28,
            0,
            0,
            0,
            0,
            48600.84
          ],
          [
            "2026-04",
            82558.3,
            50964.32,
            0,
            82558.3,
            44864.32,
            0,
            6100,
            0,
            0,
            80194.82
          ],
          [
            "2026-05",
            66456.82,
            41339.14,
            0,
            66456.82,
            41339.14,
            0,
            0,
            0,
            0,
            105312.5
          ],
          [
            "2026-06",
            80042.83,
            53120.45,
            1286.5,
            65842.83,
            51833.95,
            14200,
            0,
            0,
            0,
            132234.88
          ],
          [
            "2026-07",
            34520.76,
            67722.58,
            0,
            34520.76,
            62122.58,
            0,
            5600,
            0,
            0,
            99033.06
          ],
          [
            "2026-08",
            52428.56,
            46258.31,
            0,
            52428.56,
            46258.31,
            0,
            0,
            0,
            0,
            105203.31
          ],
          [
            "2026-09",
            51054.12,
            52210.1,
            0,
            51054.12,
            52210.1,
            0,
            0,
            0,
            0,
            104047.33
          ],
          [
            "2026-10 (to 10-05)",
            10440.39,
            4200,
            0,
            10440.39,
            4200,
            0,
            0,
            0,
            0,
            110287.72
          ]
        ]
      },
      "x6628": {
        "columns": [
          "month",
          "credits_usd",
          "debits_usd",
          "card_purchases_usd",
          "ach_and_transfers_in_usd",
          "ach_and_transfers_out_usd",
          "wires_in_usd",
          "wires_out_usd",
          "cash_in_usd",
          "cash_out_usd",
          "ending_balance_usd"
        ],
        "rows": [
          [
            "2025-10",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            32300
          ],
          [
            "2025-11",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            32800
          ],
          [
            "2025-12",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            33300
          ],
          [
            "2026-01",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            33800
          ],
          [
            "2026-02",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            34300
          ],
          [
            "2026-03",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            34800
          ],
          [
            "2026-04",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            35300
          ],
          [
            "2026-05",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            35800
          ],
          [
            "2026-06",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            36300
          ],
          [
            "2026-07",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            36800
          ],
          [
            "2026-08",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            37300
          ],
          [
            "2026-09",
            500,
            0,
            0,
            500,
            0,
            0,
            0,
            0,
            0,
            37800
          ],
          [
            "2026-10 (to 10-05)",
            0,
            0,
            0,
            0,
            0,
            0,
            0,
            0,
            0,
            37800
          ]
        ]
      }
    },
    "wires": {
      "note": "Every incoming and outgoing wire on the customer's accounts since 2024-10-01",
      "columns": [
        "ts",
        "direction",
        "amount_usd",
        "account",
        "counterparty",
        "counterparty_country",
        "counterparty_bank",
        "payment_details",
        "payment_screening"
      ],
      "rows": [
        [
          "2024-11-12T18:32:16Z",
          "out",
          4800,
          "x6637",
          "SHIRAK MACHINE PARTS LLC",
          "AM",
          "bank in Gyumri, Armenia",
          "/INV/2024-208 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
          "no hit"
        ],
        [
          "2024-12-18T02:47:06Z",
          "out",
          1500,
          "x6610",
          "Anahit Terzyan",
          "AM",
          "bank in Gyumri, Armenia",
          "FAMILY SUPPORT",
          "no hit"
        ],
        [
          "2025-02-18T18:21:02Z",
          "out",
          3900,
          "x6637",
          "SHIRAK MACHINE PARTS LLC",
          "AM",
          "bank in Gyumri, Armenia",
          "/INV/2025-031 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
          "no hit"
        ],
        [
          "2025-03-26T01:31:28Z",
          "out",
          1000,
          "x6610",
          "Anahit Terzyan",
          "AM",
          "bank in Gyumri, Armenia",
          "FAMILY SUPPORT",
          "no hit"
        ],
        [
          "2025-05-20T17:30:54Z",
          "out",
          5250,
          "x6637",
          "SHIRAK MACHINE PARTS LLC",
          "AM",
          "bank in Gyumri, Armenia",
          "/INV/2025-077 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
          "no hit"
        ],
        [
          "2025-09-09T17:46:23Z",
          "out",
          4400,
          "x6637",
          "SHIRAK MACHINE PARTS LLC",
          "AM",
          "bank in Gyumri, Armenia",
          "/INV/2025-142 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
          "no hit"
        ],
        [
          "2025-12-17T02:40:32Z",
          "out",
          2000,
          "x6610",
          "Anahit Terzyan",
          "AM",
          "bank in Gyumri, Armenia",
          "FAMILY SUPPORT",
          "no hit"
        ],
        [
          "2026-01-13T18:45:55Z",
          "out",
          5900,
          "x6637",
          "SHIRAK MACHINE PARTS LLC",
          "AM",
          "bank in Gyumri, Armenia",
          "/INV/2026-009 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
          "no hit"
        ],
        [
          "2026-04-01T01:10:41Z",
          "out",
          1000,
          "x6610",
          "Anahit Terzyan",
          "AM",
          "bank in Gyumri, Armenia",
          "FAMILY SUPPORT",
          "no hit"
        ],
        [
          "2026-04-21T17:36:57Z",
          "out",
          6100,
          "x6637",
          "SHIRAK MACHINE PARTS LLC",
          "AM",
          "bank in Gyumri, Armenia",
          "/INV/2026-058 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
          "no hit"
        ],
        [
          "2026-06-24T14:18:03Z",
          "in",
          14200,
          "x6637",
          "KARAKOY MAKINA DIS TICARET LTD STI",
          "TR",
          "bank in Istanbul, Turkey",
          "/INV/TPS-0611 2 USED SPINDLE UNITS HAAS VF-2",
          "no hit"
        ],
        [
          "2026-07-14T17:58:41Z",
          "out",
          5600,
          "x6637",
          "SHIRAK MACHINE PARTS LLC",
          "AM",
          "bank in Gyumri, Armenia",
          "/INV/2026-094 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
          "no hit"
        ],
        [
          "2026-07-29T01:50:06Z",
          "out",
          1500,
          "x6610",
          "Anahit Terzyan",
          "AM",
          "bank in Gyumri, Armenia",
          "FAMILY SUPPORT",
          "no hit"
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item since 2026-08-01; amounts signed (debits negative); balance after the item",
      "x6610": {
        "columns": [
          "posted",
          "type",
          "amount_usd",
          "balance_usd",
          "description",
          "detail"
        ],
        "rows": [
          [
            "2026-08-01T13:48:55Z",
            "ach_debit",
            -3412.66,
            8192.99,
            "ROCKET MORTGAGE PMT",
            "ACH PPD, mortgage on Glendale home"
          ],
          [
            "2026-08-01T14:41:05Z",
            "card_purchase",
            -89.73,
            8103.26,
            "SQ *CAFE KALINKA GLENDALE CA",
            "mcc 5812, contactless"
          ],
          [
            "2026-08-02T21:07:21Z",
            "card_purchase",
            -65.99,
            8037.27,
            "COSTCO WHSE #0479 BURBANK CA",
            "mcc 5300, chip"
          ],
          [
            "2026-08-02T21:25:55Z",
            "card_purchase",
            -57.03,
            7980.24,
            "CHEVRON 0209441 GLENDALE CA",
            "mcc 5541, chip"
          ],
          [
            "2026-08-03T00:40:26Z",
            "card_purchase",
            -56.53,
            7923.71,
            "SQ *CAFE KALINKA GLENDALE CA",
            "mcc 5812, contactless"
          ],
          [
            "2026-08-03T22:56:39Z",
            "card_purchase",
            -15.19,
            7908.52,
            "DOORDASH*LAVASH GRILL",
            "mcc 5812, card on file"
          ],
          [
            "2026-08-05T16:56:45Z",
            "ach_debit",
            -940,
            6968.52,
            "HYE ACADEMY TUITION",
            "ACH WEB, school tuition, 2 children"
          ],
          [
            "2026-08-07T02:41:40Z",
            "card_purchase",
            -72.53,
            6895.99,
            "TARGET 00028142 GLENDALE CA",
            "mcc 5310, chip"
          ],
          [
            "2026-08-07T20:14:41Z",
            "card_purchase",
            -130.78,
            6765.21,
            "RALPHS #0712 GLENDALE CA",
            "mcc 5411, contactless"
          ],
          [
            "2026-08-08T03:30:50Z",
            "card_purchase",
            -54.15,
            6711.06,
            "STARBUCKS 06612 GLENDALE CA",
            "mcc 5814, Apple Pay"
          ],
          [
            "2026-08-08T16:01:00Z",
            "card_purchase",
            -24.99,
            6686.07,
            "NETFLIX.COM",
            "mcc 4899, card on file, recurring"
          ],
          [
            "2026-08-09T10:19:06Z",
            "card_purchase",
            -61.2,
            6624.87,
            "YEREVAN CITY SUPERMARKET YEREVAN AM",
            "chip, foreign transaction"
          ],
          [
            "2026-08-10T10:17:15Z",
            "card_purchase",
            -7.1,
            6617.77,
            "GG TAXI YEREVAN AM",
            "chip, foreign transaction"
          ],
          [
            "2026-08-10T13:02:30Z",
            "ach_debit",
            -83.34,
            6534.43,
            "SOCALGAS AUTOPAY",
            "ACH PPD"
          ],
          [
            "2026-08-11T09:15:32Z",
            "atm_withdrawal",
            -258.4,
            6276.03,
            "ATM YEREVAN AM 100000 AMD",
            "foreign ATM"
          ],
          [
            "2026-08-11T10:07:52Z",
            "card_purchase",
            -18.45,
            6257.58,
            "TUMANYAN SHAURMA YEREVAN AM",
            "chip, foreign transaction"
          ],
          [
            "2026-08-12T10:25:13Z",
            "card_purchase",
            -244.8,
            6012.78,
            "DALMA GARDEN MALL YEREVAN AM",
            "chip, foreign transaction"
          ],
          [
            "2026-08-12T13:34:43Z",
            "ach_debit",
            -182.7,
            5830.08,
            "AT&T MOBILITY",
            "ACH PPD, 4 lines"
          ],
          [
            "2026-08-13T10:23:52Z",
            "card_purchase",
            -48.15,
            5781.93,
            "SAS SUPERMARKET YEREVAN AM",
            "chip, foreign transaction"
          ],
          [
            "2026-08-14T10:46:19Z",
            "card_purchase",
            -186,
            5595.93,
            "GYUMRI HOTEL GYUMRI AM",
            "chip, foreign transaction"
          ],
          [
            "2026-08-14T13:40:18Z",
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            "foreign ATM"
          ],
          [
            "2026-08-15T10:13:28Z",
            "card_purchase",
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            "chip, foreign transaction"
          ],
          [
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            "card_purchase",
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            9994.48,
            "YEREVAN MALL AM",
            "chip, foreign transaction"
          ],
          [
            "2026-08-20T10:12:03Z",
            "card_purchase",
            -77.3,
            9917.18,
            "ZVARTNOTS DUTY FREE AM",
            "chip, foreign transaction"
          ],
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            "2026-08-20T14:14:19Z",
            "online_transfer",
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            "TRANSFER TO SAV x6628",
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          ],
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            "mcc 5300, chip"
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            "ACH PPD"
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            "2026-08-23T17:36:16Z",
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            "mcc 5411, contactless"
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            "mcc 5541, chip"
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            "2026-08-24T01:51:43Z",
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            "mcc 5814, Apple Pay"
          ],
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            "mcc 5411, chip"
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            "mcc 5462, contactless"
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            "mcc 5812, card on file"
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            "online_transfer",
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            "TRANSFER FROM CHK x6637 TERZIAN PRECISION",
            "owner draw"
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            "card_purchase",
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            "TAMAR BAKERY GLENDALE CA",
            "mcc 5462, contactless"
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            "card_purchase",
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            "ZANKOU CHICKEN GLENDALE CA",
            "mcc 5812, chip"
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            "ACH PPD, mortgage on Glendale home"
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            "mcc 5814, Apple Pay"
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          ],
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            "CVS/PHARMACY #09812 GLENDALE CA",
            "mcc 5912, contactless"
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            "mcc 5411, contactless"
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            "card_purchase",
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            "CVS/PHARMACY #09812 GLENDALE CA",
            "mcc 5912, contactless"
          ],
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            "2026-09-15T15:00:15Z",
            "online_transfer",
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          [
            "2026-09-15T16:44:20Z",
            "card_purchase",
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            "SQ *CAFE KALINKA GLENDALE CA",
            "mcc 5812, contactless"
          ],
          [
            "2026-09-16T00:02:46Z",
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            "NORMS MARKET GLENDALE CA",
            "mcc 5411, chip"
          ],
          [
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            "mcc 5411, contactless"
          ],
          [
            "2026-09-17T19:02:03Z",
            "card_purchase",
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            "NORMS MARKET GLENDALE CA",
            "mcc 5411, chip"
          ],
          [
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            "card_purchase",
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            "CHEVRON 0209441 GLENDALE CA",
            "mcc 5541, chip"
          ],
          [
            "2026-09-18T19:25:04Z",
            "card_purchase",
            -192.89,
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            "COSTCO WHSE #0479 BURBANK CA",
            "mcc 5300, chip"
          ],
          [
            "2026-09-18T23:01:18Z",
            "card_purchase",
            -63,
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            "mcc 5541, chip"
          ],
          [
            "2026-09-18T23:45:45Z",
            "card_purchase",
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            "mcc 5300, chip"
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            "mcc 5814, Apple Pay"
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            "mcc 5814, Apple Pay"
          ],
          [
            "2026-09-20T14:34:42Z",
            "online_transfer",
            -500,
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            null
          ],
          [
            "2026-09-20T19:24:34Z",
            "card_purchase",
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            "mcc 5411, chip"
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            "2026-09-21T21:38:14Z",
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            "mcc 5310, chip"
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          [
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            "mcc 5411, chip"
          ],
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          [
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          ],
          [
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          [
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            "online_transfer",
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          [
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            "card_purchase",
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          [
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          ],
          [
            "2026-10-02T19:36:07Z",
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          ],
          [
            "2026-10-04T01:24:55Z",
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            -142.41,
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            "TARGET 00028142 GLENDALE CA",
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          [
            "2026-10-04T01:32:13Z",
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            "mcc 5814, Apple Pay"
          ],
          [
            "2026-10-04T02:22:37Z",
            "card_purchase",
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            "RALPHS #0712 GLENDALE CA",
            "mcc 5411, contactless"
          ],
          [
            "2026-10-05T03:52:10Z",
            "card_purchase",
            -54.06,
            9644.77,
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          ],
          [
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            "ach_debit",
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      },
      "x6637": {
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            "2026-08-01T14:14:15Z",
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            "2026-08-17T12:36:24Z",
            "merchant_settlement",
            2070.39,
            112183.13,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-08-17T15:00:18Z",
            "online_transfer",
            -5000,
            107183.13,
            "TRANSFER TO CHK x6610",
            "owner draw"
          ],
          [
            "2026-08-18T16:45:24Z",
            "remote_deposit_check",
            2394.17,
            109577.3,
            "VALLEY PRECISION MACHINING",
            "customer payment for repair work"
          ],
          [
            "2026-08-20T12:44:17Z",
            "merchant_settlement",
            1371.8,
            110949.1,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-08-20T15:09:26Z",
            "ach_debit",
            -388.4,
            110560.7,
            "STATE FARM BUSINESS INS",
            "ACH PPD"
          ],
          [
            "2026-08-20T16:28:54Z",
            "remote_deposit_check",
            2053.8,
            112614.5,
            "ATWATER CNC INC",
            "customer payment for repair work"
          ],
          [
            "2026-08-21T12:41:24Z",
            "merchant_settlement",
            1921.19,
            114535.69,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-08-24T12:11:23Z",
            "merchant_settlement",
            989.09,
            115524.78,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-08-25T16:31:26Z",
            "ach_credit",
            1786.63,
            117311.41,
            "OLYMPIC MOLD CO",
            "customer payment for repair work"
          ],
          [
            "2026-08-26T18:17:28Z",
            "ach_debit",
            -720.31,
            116591.1,
            "GRAINGER PAYMENT",
            "parts and supplies"
          ],
          [
            "2026-08-28T11:00:00Z",
            "ach_debit",
            -8052.1,
            108539,
            "GUSTO PAYROLL NET PAY",
            "payroll, 2 employees"
          ],
          [
            "2026-08-28T11:00:00Z",
            "ach_debit",
            -2606.53,
            105932.47,
            "GUSTO PAYROLL TAXES",
            null
          ],
          [
            "2026-08-28T12:35:13Z",
            "merchant_settlement",
            1877.93,
            107810.4,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-08-28T16:46:06Z",
            "remote_deposit_check",
            2392.91,
            110203.31,
            "ATWATER CNC INC",
            "customer payment for repair work"
          ],
          [
            "2026-08-31T15:00:59Z",
            "online_transfer",
            -5000,
            105203.31,
            "TRANSFER TO CHK x6610",
            "owner draw"
          ],
          [
            "2026-09-01T14:49:25Z",
            "ach_debit",
            -4200,
            101003.31,
            "SAN FERNANDO RD PROPERTIES SHOP RENT",
            "ACH CCD, shop lease, Glendale"
          ],
          [
            "2026-09-01T18:57:14Z",
            "ach_debit",
            -2129.49,
            98873.82,
            "MOTION INDUSTRIES PAYMENT",
            "parts and supplies"
          ],
          [
            "2026-09-02T12:28:25Z",
            "merchant_settlement",
            2667.27,
            101541.09,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-04T12:36:46Z",
            "merchant_settlement",
            1620.2,
            103161.29,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-04T16:04:02Z",
            "ach_credit",
            2916.27,
            106077.56,
            "VERDUGO MACHINE PRODUCTS",
            "customer payment for repair work"
          ],
          [
            "2026-09-08T16:13:21Z",
            "remote_deposit_check",
            4585.9,
            110663.46,
            "VALLEY PRECISION MACHINING",
            "customer payment for repair work"
          ],
          [
            "2026-09-08T18:22:30Z",
            "ach_debit",
            -1922.26,
            108741.2,
            "WEST COAST SPINDLE REBUILD PMT",
            "parts and supplies"
          ],
          [
            "2026-09-10T16:09:11Z",
            "ach_credit",
            4899.82,
            113641.02,
            "GLENOAKS FABRICATION LLC",
            "customer payment for repair work"
          ],
          [
            "2026-09-11T11:00:00Z",
            "ach_debit",
            -7754.31,
            105886.71,
            "GUSTO PAYROLL NET PAY",
            "payroll, 2 employees"
          ],
          [
            "2026-09-11T11:00:00Z",
            "ach_debit",
            -2474.63,
            103412.08,
            "GUSTO PAYROLL TAXES",
            null
          ],
          [
            "2026-09-11T12:53:43Z",
            "merchant_settlement",
            928.38,
            104340.46,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-14T12:54:48Z",
            "merchant_settlement",
            597.73,
            104938.19,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-14T16:16:53Z",
            "remote_deposit_check",
            5100.88,
            110039.07,
            "OLYMPIC MOLD CO",
            "customer payment for repair work"
          ],
          [
            "2026-09-15T15:00:17Z",
            "online_transfer",
            -5000,
            105039.07,
            "TRANSFER TO CHK x6610",
            "owner draw"
          ],
          [
            "2026-09-15T16:42:48Z",
            "ach_credit",
            4500.21,
            109539.28,
            "VERDUGO MACHINE PRODUCTS",
            "customer payment for repair work"
          ],
          [
            "2026-09-16T12:28:07Z",
            "merchant_settlement",
            2289.04,
            111828.32,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-16T14:28:54Z",
            "ach_debit",
            -711.15,
            111117.17,
            "GLENDALE WATER & POWER",
            "ACH PPD"
          ],
          [
            "2026-09-16T18:14:16Z",
            "ach_debit",
            -2641.18,
            108475.99,
            "MSC INDUSTRIAL SUPPLY PMT",
            "parts and supplies"
          ],
          [
            "2026-09-17T18:40:15Z",
            "ach_debit",
            -590.87,
            107885.12,
            "MOTION INDUSTRIES PAYMENT",
            "parts and supplies"
          ],
          [
            "2026-09-20T15:45:40Z",
            "ach_debit",
            -388.4,
            107496.72,
            "STATE FARM BUSINESS INS",
            "ACH PPD"
          ],
          [
            "2026-09-21T12:04:57Z",
            "merchant_settlement",
            2714.95,
            110211.67,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-21T16:26:23Z",
            "remote_deposit_check",
            2540.45,
            112752.12,
            "ATWATER CNC INC",
            "customer payment for repair work"
          ],
          [
            "2026-09-21T18:21:06Z",
            "ach_debit",
            -2444.53,
            110307.59,
            "GRAINGER PAYMENT",
            "parts and supplies"
          ],
          [
            "2026-09-22T12:19:17Z",
            "merchant_settlement",
            2008.42,
            112316.01,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-22T18:48:09Z",
            "ach_debit",
            -2155.59,
            110160.42,
            "GRAINGER PAYMENT",
            "parts and supplies"
          ],
          [
            "2026-09-23T12:04:25Z",
            "merchant_settlement",
            693.18,
            110853.6,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-25T11:00:00Z",
            "ach_debit",
            -8130.12,
            102723.48,
            "GUSTO PAYROLL NET PAY",
            "payroll, 2 employees"
          ],
          [
            "2026-09-25T11:00:00Z",
            "ach_debit",
            -2410.26,
            100313.22,
            "GUSTO PAYROLL TAXES",
            null
          ],
          [
            "2026-09-25T12:48:28Z",
            "merchant_settlement",
            1052.69,
            101365.91,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-09-25T16:05:43Z",
            "remote_deposit_check",
            2616.42,
            103982.33,
            "SAN FERNANDO AERO PARTS INC",
            "customer payment for repair work"
          ],
          [
            "2026-09-25T18:54:44Z",
            "ach_debit",
            -1338.84,
            102643.49,
            "MOTION INDUSTRIES PAYMENT",
            "parts and supplies"
          ],
          [
            "2026-09-28T18:33:30Z",
            "ach_debit",
            -2918.47,
            99725.02,
            "MOTION INDUSTRIES PAYMENT",
            "parts and supplies"
          ],
          [
            "2026-09-29T16:18:12Z",
            "remote_deposit_check",
            3290.5,
            103015.52,
            "GLENOAKS FABRICATION LLC",
            "customer payment for repair work"
          ],
          [
            "2026-09-30T15:00:29Z",
            "online_transfer",
            -5000,
            98015.52,
            "TRANSFER TO CHK x6610",
            "owner draw"
          ],
          [
            "2026-09-30T16:49:02Z",
            "remote_deposit_check",
            6031.81,
            104047.33,
            "PACIFIC SPINDLE WORKS",
            "customer payment for repair work"
          ],
          [
            "2026-10-01T12:57:53Z",
            "merchant_settlement",
            2014.39,
            106061.72,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-10-01T14:16:28Z",
            "ach_debit",
            -4200,
            101861.72,
            "SAN FERNANDO RD PROPERTIES SHOP RENT",
            "ACH CCD, shop lease, Glendale"
          ],
          [
            "2026-10-01T16:20:08Z",
            "remote_deposit_check",
            3788.21,
            105649.93,
            "GLENOAKS FABRICATION LLC",
            "customer payment for repair work"
          ],
          [
            "2026-10-02T12:03:03Z",
            "merchant_settlement",
            1709.1,
            107359.03,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ],
          [
            "2026-10-05T12:31:52Z",
            "merchant_settlement",
            2928.69,
            110287.72,
            "CARD PROCESSOR DEPOSIT TERZIAN PRECISION",
            "card sales settled from the shop's terminal"
          ]
        ]
      }
    },
    "screening_history": [
      {
        "date": "2012-04-18",
        "type": "onboarding screening",
        "lists": "OFAC SDN and non-SDN lists, UN, UK, EU, PEP",
        "result": "no hits"
      },
      {
        "date": "2017-05-02",
        "type": "onboarding screening, business account",
        "result": "no hits"
      },
      {
        "date": "2022-09-14",
        "type": "periodic rescreening",
        "result": "1 hit, cleared",
        "detail": "PEP database entry 'TERZYAN, Garnik Samveli', deputy governor of an Armenian province 2014 to 2018, born 1958. Cleared by the analyst: date of birth differs by 21 years; good-guy record GG-20220914-077 created for that PEP entry only."
      },
      {
        "date": "2025-09-10",
        "type": "periodic rescreening",
        "result": "hit suppressed by good-guy record GG-20220914-077"
      }
    ],
    "case_notes": [
      {
        "ts": "2026-10-05T16:48:00Z",
        "by": "Sanctions screening analyst (L1)",
        "note": "List-update alert from Friday night, not yet worked; this morning's outgoing wire to Shirak Machine Parts was held on the same entry and joined to the case. Customer not contacted. Card and ACH activity over the weekend posted normally. Checked the list entry's linked company in the vendor's corporate registry data: Araks Technotrade LLC, registered in Yerevan 2022, director and sole shareholder 'Garnik Terzyan', no date of birth or ID given in the registry extract."
      }
    ],
    "adverse_media": {
      "note": "Articles your screening vendor's adverse media search returned for the screened names, newest first, as the vendor shows them",
      "articles": [
        {
          "published": "2026-10-02",
          "source": "US Treasury press release",
          "title": "Treasury Designates Machine-Tool Suppliers to Russia's Defense Industry in Armenia, Türkiye and Kyrgyzstan",
          "matched_names": [
            "Garnik Terzyan"
          ],
          "excerpt": "OFAC today designated nine entities and five individuals that have supplied computer numerical control (CNC) machine tools, spindles and components to Russian defense manufacturers [...] Araks Technotrade LLC (Araks), based in Yerevan, Armenia, has since 2023 bought used and refurbished CNC machining centers and spindle assemblies in the United States, Europe and Türkiye and shipped them to Russia through Armenia. Garnik Terzyan, a former chief engineer at a Gyumri machine-tool plant, founded Araks in 2022 and is its director and owner. Araks and Terzyan were designated pursuant to E.O. 14024 for operating or having operated in the manufacturing sector of the Russian Federation economy."
        },
        {
          "published": "2024-05-28",
          "source": "Armenian business news site (Armenian; vendor translation)",
          "title": "Yerevan firm bets on refurbished Western machine tools",
          "matched_names": [
            "Garnik Terzyan"
          ],
          "excerpt": "Araks Technotrade, which opened a 1,200-square-meter warehouse in the Shengavit district this spring, refurbishes CNC machines bought abroad and sells them to manufacturers 'in Armenia and the region'. Director Garnik Terzyan, who spent years servicing machine tools in Gyumri and abroad, said the company buys most of its equipment at auctions of closing US and Turkish machine shops. 'A good American spindle can be rebuilt three times,' he said."
        }
      ]
    },
    "held_payment": {
      "payment_id": "WIRE-OUT-20261005-00419",
      "initiated": "2026-10-05T16:12:33Z",
      "channel": "online banking, customer's usual laptop, shop IP, Glendale",
      "status": "held by payment screening, not sent",
      "direction": "outgoing",
      "amount_usd": 6400,
      "fee_usd": 45,
      "message_type": "pacs.008 (cross-border customer credit transfer)",
      "debtor": {
        "name": "GARNIK TERZIAN DBA TERZIAN PRECISION SERVICES",
        "address": "6120 SAN FERNANDO RD UNIT C GLENDALE CA 91201",
        "account": "x6637"
      },
      "creditor": {
        "name": "SHIRAK MACHINE PARTS LLC",
        "address": "GYUMRI, ARMENIA",
        "account": "IBAN-style account masked (AM** ****)",
        "agent": "bank in Gyumri, Armenia"
      },
      "remittance_information": "/INV/2026-131 REFURBISHED SPINDLE CARTRIDGES AND BEARINGS",
      "payee_history": "Paid 7 times since 2024-11 ($3,900 to $6,100); payee since 2019-06",
      "screening_hits": [
        "debtor name: GARNIK TERZIAN against OFAC SDN entry OFAC-61707, score 92 on the a.k.a."
      ]
    },
    "alert": {
      "alert_id": "SCR-CUST-20261002-029310",
      "created": "2026-10-02T23:40:00Z",
      "screening_type": "customer rescreening after a list update",
      "list_update": "OFAC SDN list, update of 2026-10-02 (14 entries added)",
      "screened_party": {
        "customer_id": "C-0022917604",
        "screened_name": "GARNIK TERZIAN",
        "date_of_birth": "1979-06-02",
        "nationality": "US, AM",
        "country_of_residence": "US"
      },
      "match_threshold": 85,
      "hits": [
        {
          "rank": 1,
          "list": "OFAC SDN",
          "entry_uid": "OFAC-61707",
          "match_score": 92,
          "matched_name": "TERZIAN, Garnik",
          "name_match": "exact on the a.k.a.; primary name 'TERZYAN' is a transliteration variant, which our record also holds as another name",
          "secondary_fields": [
            {
              "field": "date_of_birth",
              "customer": "1979-06-02",
              "list": "1979; alt. 1980",
              "result": "year match"
            },
            {
              "field": "nationality",
              "customer": "United States, Armenia",
              "list": "Armenia",
              "result": "match"
            },
            {
              "field": "gender",
              "customer": "Male",
              "list": "Male",
              "result": "match"
            },
            {
              "field": "passport",
              "customer": "AK0193377 (Armenia), expired 2019",
              "list": "AT0472918 (Armenia), issued 14 May 2021",
              "result": "no match"
            },
            {
              "field": "address",
              "customer": "Glendale, CA, US",
              "list": "Yerevan, Armenia",
              "result": "no match"
            }
          ],
          "list_entry": {
            "entry_type": "Individual",
            "programs": [
              "RUSSIA-EO14024"
            ],
            "names": [
              {
                "type": "primary",
                "name": "TERZYAN, Garnik"
              },
              {
                "type": "a.k.a.",
                "name": "TERZIAN, Garnik"
              },
              {
                "type": "original script",
                "name": "ՏԵՐԶՅԱՆ, Գառնիկ"
              }
            ],
            "dates_of_birth": [
              "1979",
              "1980"
            ],
            "places_of_birth": [],
            "nationalities": [
              "Armenia"
            ],
            "gender": "Male",
            "identifications": [
              {
                "type": "Passport",
                "number": "AT0472918",
                "country": "Armenia",
                "issued": "14 May 2021"
              }
            ],
            "addresses": [
              "Yerevan, Armenia"
            ],
            "linked_to": [
              "ARAKS TECHNOTRADE LLC"
            ],
            "date_listed": "2026-10-02",
            "list_text": "TERZYAN, Garnik (Armenian: ՏԵՐԶՅԱՆ, Գառնիկ) (a.k.a. TERZIAN, Garnik), Yerevan, Armenia; DOB 1979; alt. DOB 1980; nationality Armenia; Gender Male; Passport AT0472918 (Armenia) issued 14 May 2021 (individual) [RUSSIA-EO14024] (Linked To: ARAKS TECHNOTRADE LLC)."
          }
        }
      ]
    }
  },
  "questions": {
    "same_party": {
      "type": "score",
      "instructions": "How likely is it that the screened party is the same person, organization or vessel as the list entry the screening matched, judging by everything in our records against the entry's names and identifiers? If the alert has several hits, answer for the strongest one.",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "conflicting_identifiers": {
      "type": "multi_choice",
      "instructions": "Which of the list entry's identifiers does our record of the screened party clearly contradict, so that the two cannot be the same party? Count an identifier only when both our record and the entry give it. A spelling or transliteration variant, a missing value or a past address is not a contradiction.",
      "criteria": {
        "date_of_birth": "Date of birth: our full date of birth differs from every date of birth the entry gives (where the entry gives only a year, from every year it gives)",
        "place_of_birth": "Place of birth: our record gives a different town or country of birth",
        "nationality": "Nationality: none of the entry's nationalities or citizenships appears in our record",
        "id_number": "ID number: a permanent number of the same kind and country as one in the entry (national ID, tax ID or CURP) is different, or a passport from the same country that was valid at the same time has a different number",
        "gender": "Gender: the entry gives a different gender",
        "party_type": "Party type: the entry is a different kind of party, such as an organization or a vessel when we screened an individual"
      }
    },
    "adverse_media_financial_crime": {
      "type": "noul",
      "instructions": "Does any of the adverse media returned with this alert describe our customer, rather than another person or company with a similar name, in connection with financial crime such as fraud, money laundering, bribery, sanctions or export-control evasion, or terrorist financing?"
    },
    "action": {
      "type": "choice",
      "instructions": "What should the screening analyst do with this alert now?",
      "criteria": {
        "clear": "Clear the alert as a false positive, record the identifiers that rule the entry out, and release any held payment",
        "request_information": "Keep any payment on hold and ask the customer for the specific information that would settle the match, such as an identity document, a full date of birth, an address or the purpose of a payment",
        "escalate": "Escalate to the sanctions compliance officer for a decision, keeping any payment on hold",
        "block_and_report": "Treat it as a true match on a blocking sanctions list: block the funds and accounts and report the blocking to the regulator (to OFAC within 10 business days)"
      }
    }
  }
}