{ "model": "grayson-1", "state": { "case": { "case_id": "SANC-2026-10-0477", "opened": "2026-10-08T14:20:00Z", "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": [ "PAY-SCR-20261008-00112 (outgoing wire)" ] }, "customer": { "customer_id": "C-0031180542", "customer_since": "2014-08-11", "name": { "first": "José Luis", "last": "Zamudio Olivares", "as_on_id": "ZAMUDIO OLIVARES JOSE LUIS" }, "other_names": [ "Jose Luis Zamudio (name used by employer payroll)" ], "date_of_birth": "1981-03-27", "place_of_birth": "Pénjamo, Guanajuato, Mexico", "gender": "Male", "citizenship": [ "Mexico" ], "us_status": "Lawful permanent resident since 2013", "identity_documents": [ { "type": "Passport", "issuer": "Mexico", "number": "G41877309", "issued": "2022-05-10", "expires": "2032-05-10", "curp_shown": "ZAOL810327HGTMLS04", "verified": "2022-06-03, documentary, updated in branch" }, { "type": "CURP (Mexican population registry number)", "issuer": "Mexico", "number": "ZAOL810327HGTMLS04", "verified": "from passport and matrícula consular" }, { "type": "US permanent resident card", "issuer": "United States", "number": "masked (ends 8820)", "expires": "2033-01-14" }, { "type": "Taxpayer ID", "issuer": "United States", "number": "SSN, masked (ends 6603)" }, { "type": "Matrícula consular", "issuer": "Consulate of Mexico in Houston", "number": "masked (ends 1185)", "verified": "2014-08-11, at account opening" } ], "addresses": [ { "type": "residential", "address": "7710 Willowbend Blvd, Apt 214, Houston, TX 77071", "since": "2019-02-01" }, { "type": "previous residential", "address": "4515 Bissonnet St, Apt 6, Houston, TX 77401", "from": "2014-08-11", "to": "2019-01-31" } ], "phone": "+1 713-555-0167", "email": "jlzamudio81@example.com", "occupation": "Framing foreman, Gulf Coast Framing Inc. (construction), Houston", "source_of_funds": "Wages", "risk_rating": { "rating": "Low", "since": "2014-08-11" }, "kyc_reviews": [ { "date": "2022-06-03", "type": "ID update after passport renewal", "result": "no change" } ], "sar_history": "none" }, "accounts": [ { "account": "x2208", "type": "personal checking", "opened": "2014-08-11", "owners": [ "José Luis Zamudio Olivares" ], "status": "open", "debit_card": "x5530, active", "features": [ "online banking", "international wires through online banking (enrolled 2015-03)" ] }, { "account": "x2216", "type": "personal savings", "opened": "2016-01-05", "owners": [ "José Luis Zamudio Olivares" ], "status": "open" } ], "monthly_summary": { "x2208": { "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", 6672.85, 4785.99, 1940.02, 6672.85, 2385.97, 0, 400, 0, 60, 4727.03 ], [ "2025-11", 4710.04, 5064.84, 2047.47, 4710.04, 2317.37, 0, 600, 0, 100, 4372.23 ], [ "2025-12", 4422.86, 5399.03, 1802.96, 4422.86, 2383.96, 0, 900, 0, 312.11, 3396.06 ], [ "2026-01", 4621.91, 4423.56, 1575.14, 4621.91, 2388.42, 0, 400, 0, 60, 3594.41 ], [ "2026-02", 4649.3, 5344.41, 2264.13, 4649.3, 2350.28, 0, 650, 0, 80, 2899.3 ], [ "2026-03", 4473.28, 5163.88, 2180.42, 4473.28, 2293.46, 0, 650, 0, 40, 2208.7 ], [ "2026-04", 4772.62, 4842.68, 1992.61, 4772.62, 2350.07, 0, 500, 0, 0, 2138.64 ], [ "2026-05", 6855.66, 5669, 2348.2, 6855.66, 2370.8, 0, 650, 0, 300, 3325.3 ], [ "2026-06", 4695.55, 4748.06, 1882.13, 4695.55, 2335.93, 0, 450, 0, 80, 3272.79 ], [ "2026-07", 4338.21, 4817.64, 1919.28, 4338.21, 2328.36, 0, 450, 0, 120, 2793.36 ], [ "2026-08", 4672.75, 5484, 2530.66, 4672.75, 2333.34, 0, 500, 0, 120, 1982.11 ], [ "2026-09", 8318.42, 4845.28, 1853.93, 5118.42, 2391.35, 0, 600, 3200, 0, 5455.25 ], [ "2026-10 (to 10-08)", 2737.12, 1841.35, 466.35, 2737.12, 1375, 0, 0, 0, 0, 6351.02 ] ] }, "x2216": { "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", 150, 0, 0, 150, 0, 0, 0, 0, 0, 6300 ], [ "2025-11", 150, 0, 0, 150, 0, 0, 0, 0, 0, 6450 ], [ "2025-12", 150, 0, 0, 150, 0, 0, 0, 0, 0, 6600 ], [ "2026-01", 150, 0, 0, 150, 0, 0, 0, 0, 0, 6750 ], [ "2026-02", 150, 0, 0, 150, 0, 0, 0, 0, 0, 6900 ], [ "2026-03", 150, 0, 0, 150, 0, 0, 0, 0, 0, 7050 ], [ "2026-04", 150, 0, 0, 150, 0, 0, 0, 0, 0, 7200 ], [ "2026-05", 150, 0, 0, 150, 0, 0, 0, 0, 0, 7350 ], [ "2026-06", 150, 0, 0, 150, 0, 0, 0, 0, 0, 7500 ], [ "2026-07", 150, 0, 0, 150, 0, 0, 0, 0, 0, 7650 ], [ "2026-08", 150, 0, 0, 150, 0, 0, 0, 0, 0, 7800 ], [ "2026-09", 150, 0, 0, 150, 0, 0, 0, 0, 0, 7950 ], [ "2026-10 (to 10-08)", 0, 0, 0, 0, 0, 0, 0, 0, 0, 7950 ] ] } }, "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": [ [ "2024-10-04T00:48:38Z", "out", 500, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2024-11-05T01:57:54Z", "out", 650, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2024-12-03T01:36:34Z", "out", 500, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-01-04T01:21:03Z", "out", 550, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-02-04T01:59:24Z", "out", 650, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-03-04T01:46:44Z", "out", 500, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-04-03T00:17:25Z", "out", 450, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-05-08T00:53:16Z", "out", 400, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-06-05T00:44:41Z", "out", 550, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "originator hit OFAC SDN OLIVARES ZAMUDIO, Jose Luis, cleared and released (see screening history)" ], [ "2025-07-08T00:07:08Z", "out", 450, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-08-08T00:44:48Z", "out", 450, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-09-05T00:49:57Z", "out", 650, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-10-09T00:48:34Z", "out", 400, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-11-08T01:08:40Z", "out", 600, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2025-12-09T01:58:05Z", "out", 900, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-01-03T01:46:26Z", "out", 400, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-02-05T01:20:42Z", "out", 650, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-03-10T00:04:09Z", "out", 650, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-04-04T00:11:58Z", "out", 500, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-05-09T00:40:37Z", "out", 650, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-06-09T00:23:49Z", "out", 450, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-07-07T00:59:36Z", "out", 450, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-08-07T00:11:57Z", "out", 500, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ], [ "2026-09-04T00:09:58Z", "out", 600, "x2208", "Maria Guadalupe Olivares Ruiz", "MX", "bank in Mexico, CLABE masked (ends 4471)", "FAMILY SUPPORT", "no hit" ] ] }, "transactions": { "note": "Every posted item since 2026-08-01; amounts signed (debits negative); balance after the item", "x2208": { "columns": [ "posted", "type", "amount_usd", "balance_usd", "description", "detail" ], "rows": [ [ "2026-08-01T11:44:11Z", "ach_debit", -1375, 1418.36, "WILLOWBEND APTS RENT", "ACH WEB, payee since 2019-02" ], [ "2026-08-01T16:12:26Z", "card_purchase", -85.91, 1332.45, "CRICKET WIRELESS 0412 HOUSTON TX", "mcc 4814, chip" ], [ "2026-08-01T17:59:41Z", "card_purchase", -20.75, 1311.7, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-08-01T23:15:25Z", "atm_withdrawal", -60, 1251.7, "ATM WITHDRAWAL 9400 BELLAIRE BLVD HOUSTON TX", null ], [ "2026-08-02T12:43:58Z", "card_purchase", -50.88, 1200.82, "BUC-EE'S #34 KATY TX", "mcc 5541, chip" ], [ "2026-08-03T14:04:11Z", "card_purchase", -7.99, 1192.83, "NETFLIX.COM", "mcc 4899, card on file, recurring" ], [ "2026-08-03T18:00:36Z", "card_purchase", -13.81, 1179.02, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-08-05T00:51:51Z", "card_purchase", -35.52, 1143.5, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-06T00:44:44Z", "card_purchase", -68.11, 1075.39, "WALGREENS #7731 HOUSTON TX", "mcc 5912, contactless" ], [ "2026-08-06T14:17:33Z", "card_purchase", -18.71, 1056.68, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-08-06T21:32:35Z", "card_purchase", -83.64, 973.04, "AMAZON MKTPL*7H20LQ1X2 Amzn.com/bill WA", "mcc 5942, card on file" ], [ "2026-08-07T00:11:57Z", "wire_out", -500, 473.04, "INTL WIRE OUT MARIA GUADALUPE OLIVARES", "family support; online banking; USD sent, paid out in MXN" ], [ "2026-08-07T00:11:57Z", "fee", -25, 448.04, "INTL WIRE FEE", null ], [ "2026-08-07T09:00:00Z", "ach_credit", 2397.28, 2845.32, "GULF COAST FRAMING PAYROLL", "ACH PPD, payroll, employer since 2016" ], [ "2026-08-07T17:18:40Z", "card_purchase", -43.88, 2801.44, "AMAZON MKTPL*7H20LQ1X2 Amzn.com/bill WA", "mcc 5942, card on file" ], [ "2026-08-07T21:33:23Z", "card_purchase", -104.14, 2697.3, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-08-08T21:00:34Z", "card_purchase", -69.62, 2627.68, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-09T02:07:37Z", "card_purchase", -44.75, 2582.93, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-08-09T16:39:22Z", "card_purchase", -103.92, 2479.01, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-08-09T16:50:26Z", "card_purchase", -31.62, 2447.39, "WALGREENS #7731 HOUSTON TX", "mcc 5912, contactless" ], [ "2026-08-11T11:22:40Z", "ach_debit", -412.38, 2035.01, "ALLY AUTO PMT", "ACH PPD, auto loan" ], [ "2026-08-11T15:39:44Z", "card_purchase", -64.43, 1970.58, "WALGREENS #7731 HOUSTON TX", "mcc 5912, contactless" ], [ "2026-08-13T19:26:09Z", "card_purchase", -81.51, 1889.07, "FIESTA MART #21 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-14T11:59:53Z", "ach_debit", -121.74, 1767.33, "RELIANT ENERGY AUTOPAY", "ACH PPD" ], [ "2026-08-14T12:05:49Z", "card_purchase", -59.18, 1708.15, "BUC-EE'S #34 KATY TX", "mcc 5541, chip" ], [ "2026-08-14T17:42:28Z", "card_purchase", -89.26, 1618.89, "AMAZON MKTPL*7H20LQ1X2 Amzn.com/bill WA", "mcc 5942, card on file" ], [ "2026-08-15T01:18:06Z", "card_purchase", -74.14, 1544.75, "FIESTA MART #21 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-16T18:06:07Z", "card_purchase", -12.28, 1532.47, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-08-18T01:48:15Z", "card_purchase", -71.75, 1460.72, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-18T11:34:08Z", "ach_debit", -85, 1375.72, "T-MOBILE PCS SVC", "ACH PPD" ], [ "2026-08-19T12:13:38Z", "card_purchase", -19.82, 1355.9, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-08-19T14:09:23Z", "card_purchase", -53.46, 1302.44, "RACETRAC 2290 HOUSTON TX", "mcc 5541, chip" ], [ "2026-08-19T18:26:28Z", "card_purchase", -60.51, 1241.93, "THE HOME DEPOT #6563 HOUSTON TX", "mcc 5200, chip" ], [ "2026-08-20T12:13:13Z", "online_transfer", -150, 1091.93, "TRANSFER TO SAV x2216", null ], [ "2026-08-21T09:00:00Z", "ach_credit", 2275.47, 3367.4, "GULF COAST FRAMING PAYROLL", "ACH PPD, payroll, employer since 2016" ], [ "2026-08-21T10:54:16Z", "card_purchase", -55.96, 3311.44, "BUC-EE'S #34 KATY TX", "mcc 5541, chip" ], [ "2026-08-21T16:28:40Z", "card_purchase", -58.63, 3252.81, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-08-22T11:33:08Z", "ach_debit", -164.22, 3088.59, "PROGRESSIVE INS PREM", "ACH PPD" ], [ "2026-08-22T14:39:37Z", "atm_withdrawal", -60, 3028.59, "ATM WITHDRAWAL 9400 BELLAIRE BLVD HOUSTON TX", null ], [ "2026-08-22T18:39:14Z", "card_purchase", -99.52, 2929.07, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-22T19:37:56Z", "card_purchase", -84.32, 2844.75, "WALGREENS #7731 HOUSTON TX", "mcc 5912, contactless" ], [ "2026-08-22T21:51:49Z", "card_purchase", -78.78, 2765.97, "RACETRAC 2290 HOUSTON TX", "mcc 5541, chip" ], [ "2026-08-23T16:37:37Z", "card_purchase", -90.03, 2675.94, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-23T22:53:33Z", "card_purchase", -65.45, 2610.49, "AMAZON MKTPL*7H20LQ1X2 Amzn.com/bill WA", "mcc 5942, card on file" ], [ "2026-08-24T23:35:12Z", "card_purchase", -50.2, 2560.29, "RACETRAC 2290 HOUSTON TX", "mcc 5541, chip" ], [ "2026-08-26T02:47:36Z", "card_purchase", -24.94, 2535.35, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-08-28T00:13:28Z", "card_purchase", -106.45, 2428.9, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-08-28T19:05:07Z", "card_purchase", -78.66, 2350.24, "RACETRAC 2290 HOUSTON TX", "mcc 5541, chip" ], [ "2026-08-28T23:30:37Z", "card_purchase", -40.31, 2309.93, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-08-29T11:47:45Z", "card_purchase", -23.51, 2286.42, "SQ *PANADERIA LA ESPIGA Houston TX", "mcc 5462, contactless" ], [ "2026-08-29T22:47:29Z", "card_purchase", -63.48, 2222.94, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-08-29T23:30:10Z", "card_purchase", -29.64, 2193.3, "SHIPLEY DO-NUTS #44 HOUSTON TX", "mcc 5814, chip" ], [ "2026-08-30T12:24:19Z", "card_purchase", -17.77, 2175.53, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-08-30T19:20:17Z", "card_purchase", -42.94, 2132.59, "CRICKET WIRELESS 0412 HOUSTON TX", "mcc 4814, chip" ], [ "2026-08-30T20:22:54Z", "card_purchase", -11.37, 2121.22, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-08-31T00:38:00Z", "card_purchase", -86.74, 2034.48, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-08-31T21:36:32Z", "card_purchase", -52.37, 1982.11, "BUC-EE'S #34 KATY TX", "mcc 5541, chip" ], [ "2026-09-01T11:27:03Z", "ach_debit", -1375, 607.11, "WILLOWBEND APTS RENT", "ACH WEB, payee since 2019-02" ], [ "2026-09-03T14:01:17Z", "card_purchase", -7.99, 599.12, "NETFLIX.COM", "mcc 4899, card on file, recurring" ], [ "2026-09-04T00:09:58Z", "wire_out", -600, -0.88, "INTL WIRE OUT MARIA GUADALUPE OLIVARES", "family support; online banking; USD sent, paid out in MXN" ], [ "2026-09-04T00:09:58Z", "fee", -25, -25.88, "INTL WIRE FEE", null ], [ "2026-09-04T09:00:00Z", "ach_credit", 2462.59, 2436.71, "GULF COAST FRAMING PAYROLL", "ACH PPD, payroll, employer since 2016" ], [ "2026-09-05T13:11:36Z", "card_purchase", -238.37, 2198.34, "LOWE'S #1612 HOUSTON TX", "mcc 5200, chip" ], [ "2026-09-06T16:11:45Z", "card_purchase", -98.47, 2099.87, "FIESTA MART #21 HOUSTON TX", "mcc 5411, chip" ], [ "2026-09-07T16:01:15Z", "card_purchase", -30.31, 2069.56, "FIESTA MART #21 HOUSTON TX", "mcc 5411, chip" ], [ "2026-09-08T11:10:16Z", "card_purchase", -24.58, 2044.98, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-08T17:23:45Z", "card_purchase", -110.75, 1934.23, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-09-08T18:11:40Z", "card_purchase", -34.7, 1899.53, "SHIPLEY DO-NUTS #44 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-09T00:09:01Z", "card_purchase", -69.04, 1830.49, "RACETRAC 2290 HOUSTON TX", "mcc 5541, chip" ], [ "2026-09-10T20:52:14Z", "card_purchase", -32.22, 1798.27, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-09-11T11:04:21Z", "ach_debit", -412.38, 1385.89, "ALLY AUTO PMT", "ACH PPD, auto loan" ], [ "2026-09-12T11:03:51Z", "card_purchase", -17.05, 1368.84, "SHIPLEY DO-NUTS #44 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-12T18:46:36Z", "card_purchase", -8.41, 1360.43, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-09-13T14:35:44Z", "card_purchase", -14.77, 1345.66, "SHIPLEY DO-NUTS #44 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-14T11:32:15Z", "ach_debit", -179.75, 1165.91, "RELIANT ENERGY AUTOPAY", "ACH PPD" ], [ "2026-09-14T16:26:12Z", "cash_deposit", 3200, 4365.91, "BRANCH DEPOSIT CASH BELLAIRE BRANCH", "teller note: customer sold 2011 pickup, showed signed bill of sale to buyer; no CTR (under $10,000)" ], [ "2026-09-17T19:21:35Z", "card_purchase", -13.88, 4352.03, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-09-17T23:05:30Z", "card_purchase", -77.73, 4274.3, "BUC-EE'S #34 KATY TX", "mcc 5541, chip" ], [ "2026-09-18T01:17:41Z", "card_purchase", -24.93, 4249.37, "SQ *PANADERIA LA ESPIGA Houston TX", "mcc 5462, contactless" ], [ "2026-09-18T09:00:00Z", "ach_credit", 2355.83, 6605.2, "GULF COAST FRAMING PAYROLL", "ACH PPD, payroll, employer since 2016" ], [ "2026-09-18T11:50:49Z", "ach_debit", -85, 6520.2, "T-MOBILE PCS SVC", "ACH PPD" ], [ "2026-09-18T13:23:11Z", "card_purchase", -31.33, 6488.87, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-19T01:30:15Z", "card_purchase", -106.33, 6382.54, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-09-19T20:18:31Z", "card_purchase", -10.27, 6372.27, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-20T00:46:10Z", "card_purchase", -81.33, 6290.94, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-09-20T12:48:31Z", "online_transfer", -150, 6140.94, "TRANSFER TO SAV x2216", null ], [ "2026-09-21T13:07:39Z", "card_purchase", -24.88, 6116.06, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-22T11:37:18Z", "ach_debit", -164.22, 5951.84, "PROGRESSIVE INS PREM", "ACH PPD" ], [ "2026-09-22T15:16:34Z", "card_purchase", -52.73, 5899.11, "BUC-EE'S #34 KATY TX", "mcc 5541, chip" ], [ "2026-09-22T19:33:14Z", "card_purchase", -113.22, 5785.89, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-09-22T21:01:15Z", "card_purchase", -128.93, 5656.96, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-09-23T20:06:52Z", "card_purchase", -31.14, 5625.82, "FIESTA MART #21 HOUSTON TX", "mcc 5411, chip" ], [ "2026-09-24T22:19:37Z", "card_purchase", -60.93, 5564.89, "BUC-EE'S #34 KATY TX", "mcc 5541, chip" ], [ "2026-09-24T22:19:51Z", "card_purchase", -87.24, 5477.65, "LOWE'S #1612 HOUSTON TX", "mcc 5200, chip" ], [ "2026-09-26T15:05:25Z", "card_purchase", -26.13, 5451.52, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-26T18:36:26Z", "card_purchase", -22.93, 5428.59, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-09-27T18:25:31Z", "card_purchase", -26.69, 5401.9, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-09-29T17:18:49Z", "card_purchase", -55.63, 5346.27, "SHELL OIL 57003118 HOUSTON TX", "mcc 5541, chip" ], [ "2026-09-30T15:46:57Z", "card_purchase", -93.32, 5252.95, "FIESTA MART #21 HOUSTON TX", "mcc 5411, chip" ], [ "2026-09-30T20:04:20Z", "card_purchase", -97.7, 5155.25, "WAL-MART #1149 HOUSTON TX", "mcc 5311, contactless" ], [ "2026-10-01T00:04:11Z", "p2p_credit", 300, 5455.25, "ZELLE FROM RAMON OLIVARES", "memo: para la operacion de mi tia" ], [ "2026-10-01T11:21:34Z", "ach_debit", -1375, 4080.25, "WILLOWBEND APTS RENT", "ACH WEB, payee since 2019-02" ], [ "2026-10-02T09:00:00Z", "ach_credit", 2487.12, 6567.37, "GULF COAST FRAMING PAYROLL", "ACH PPD, payroll, employer since 2016" ], [ "2026-10-02T14:49:58Z", "card_purchase", -64.46, 6502.91, "H-E-B #592 HOUSTON TX", "mcc 5411, chip" ], [ "2026-10-02T23:10:32Z", "card_purchase", -58.13, 6444.78, "FIESTA MART #21 HOUSTON TX", "mcc 5411, chip" ], [ "2026-10-03T01:39:57Z", "card_purchase", -39.2, 6405.58, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-10-03T02:40:12Z", "p2p_credit", 250, 6655.58, "ZELLE FROM MARISOL ZAMUDIO", "memo: mama" ], [ "2026-10-03T14:48:06Z", "card_purchase", -7.99, 6647.59, "NETFLIX.COM", "mcc 4899, card on file, recurring" ], [ "2026-10-03T17:22:48Z", "card_purchase", -29.63, 6617.96, "TAQUERIA LOS GALLOS HOUSTON TX", "mcc 5812, contactless" ], [ "2026-10-04T11:15:19Z", "card_purchase", -73.37, 6544.59, "SHELL OIL 57003118 HOUSTON TX", "mcc 5541, chip" ], [ "2026-10-04T19:29:40Z", "card_purchase", -45.26, 6499.33, "SHELL OIL 57003118 HOUSTON TX", "mcc 5541, chip" ], [ "2026-10-04T22:14:14Z", "card_purchase", -23.16, 6476.17, "WALGREENS #7731 HOUSTON TX", "mcc 5912, contactless" ], [ "2026-10-06T11:20:50Z", "card_purchase", -30.85, 6445.32, "WHATABURGER 1103 HOUSTON TX", "mcc 5814, chip" ], [ "2026-10-06T12:30:19Z", "card_purchase", -42.18, 6403.14, "RACETRAC 2290 HOUSTON TX", "mcc 5541, chip" ], [ "2026-10-07T19:10:55Z", "card_purchase", -52.12, 6351.02, "CRICKET WIRELESS 0412 HOUSTON TX", "mcc 4814, chip" ] ] }, "x2216": { "columns": [ "posted", "type", "amount_usd", "balance_usd", "description", "detail" ], "rows": [ [ "2026-08-20T12:00:56Z", "online_transfer", 150, 7800, "TRANSFER FROM CHK x2208", null ], [ "2026-09-20T12:00:14Z", "online_transfer", 150, 7950, "TRANSFER FROM CHK x2208", null ] ] } }, "screening_history": [ { "date": "2014-08-11", "type": "onboarding screening", "lists": "OFAC SDN and non-SDN lists, UN, UK, EU, PEP", "result": "no hits" }, { "date": "2024-03-06", "type": "payment screening, outgoing wire $500.00 to Maria Guadalupe Olivares Ruiz", "result": "1 hit, cleared, wire released after 47 minutes", "detail": "Originator name hit OFAC SDN entry OFAC-48217 'OLIVARES ZAMUDIO, Jose Luis' (score 88, surnames reversed). Cleared by the analyst: date of birth 27 Mar 1981 against the entry's 11 Sep 1981; CURP ZAOL810327HGTMLS04 against the entry's OIZL810911HSLLMS09; place of birth Pénjamo, Guanajuato against Culiacán, Sinaloa. Good-guy record GG-20240306-118 created for this customer and entry OFAC-48217." }, { "date": "2025-06-04", "type": "payment screening, outgoing wire $550.00 to Maria Guadalupe Olivares Ruiz", "result": "1 hit, cleared, wire released after 2 hours 10 minutes", "detail": "Same entry, re-alerted because OFAC amended entry OFAC-48217 on 2025-06-03 (address added), which ends the good-guy record. Cleared again on date of birth and CURP; good-guy record GG-20250604-031 created." }, { "date": "2025-08-12", "type": "periodic rescreening", "result": "hit suppressed by good-guy record GG-20250604-031" } ], "case_notes": [ { "ts": "2026-10-08T13:52:00Z", "by": "Sanctions screening analyst (L1)", "note": "Wire held overnight. Hit is on the alias OFAC added on 10-06, so the 2025 good-guy record no longer applies. Customer has not been contacted; online banking shows the wire as 'in review'. Customer called the branch at 08:31 asking when his mother would receive the money; told it was under standard review." } ], "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": "2026-10-06", "source": "US Treasury press release", "title": "Treasury Sanctions Financial Facilitators of Sinaloa-Based Drug Trafficking Organization", "matched_names": [ "Jose Luis Olivares Zamudio", "Jose Luis Zamudio Olivares" ], "excerpt": "OFAC today designated four individuals and six companies in Sinaloa and Sonora who launder proceeds for a Sinaloa-based drug trafficking organization through currency exchange houses and produce exporters [...] OFAC also updated the existing entry for Jose Luis Olivares Zamudio, designated in 2023, who operates exchange houses in Culiacán and moves cash for the organization, to add a new alias and a new address." }, { "published": "2024-11-19", "source": "Regional newspaper, Sinaloa (Spanish; vendor translation)", "title": "Prosecutors seize exchange houses linked to 'El Contador'", "matched_names": [ "Jose Luis Olivares Zamudio" ], "excerpt": "State prosecutors seized three currency exchange offices in Culiacán that they attribute to José Luis Olivares Zamudio, alias 'El Contador', 43, sanctioned by the US Treasury last year. Olivares Zamudio has not been located; prosecutors believe he lives between Culiacán and Mazatlán." }, { "published": "2025-07-22", "source": "Local news site, Houston", "title": "Framers say new county heat-break ordinance is overdue", "matched_names": [ "Jose Luis Zamudio" ], "excerpt": "On a site off the Southwest Freeway, framing foreman José Luis Zamudio, 44, said his crew of nine starts at 6 a.m. to beat the heat. 'We drink water every hour, but the breaks should be the rule for everyone,' said Zamudio, who has framed houses in Houston for 12 years. His employer, Gulf Coast Framing, said it already follows the new rules." } ] }, "held_payment": { "payment_id": "WIRE-OUT-20261008-00112", "initiated": "2026-10-08T00:41:09Z", "channel": "online banking, customer's usual phone (registered 2023-04), home IP, Houston", "status": "held by payment screening, not sent", "direction": "outgoing", "amount_usd": 1850, "fee_usd": 25, "message_type": "pacs.008 (cross-border customer credit transfer)", "debtor": { "name": "JOSE LUIS ZAMUDIO OLIVARES", "address": "7710 WILLOWBEND BLVD APT 214 HOUSTON TX 77071", "account": "x2208" }, "creditor": { "name": "MARIA GUADALUPE OLIVARES RUIZ", "address": "PENJAMO, GUANAJUATO, MX", "account": "CLABE masked (ends 4471)", "agent": "bank in Mexico" }, "remittance_information": "FAMILY SUPPORT / MEDICAL", "payee_history": "Paid 24 times since 2024-10 ($400 to $900); payee since 2015-03", "screening_hits": [ "debtor name: JOSE LUIS ZAMUDIO OLIVARES against OFAC SDN entry OFAC-48217, score 100 on the a.k.a. added 2026-10-06" ] }, "alert": { "alert_id": "PAY-SCR-20261008-00112", "created": "2026-10-08T00:41:09Z", "screening_type": "payment screening, outgoing international wire", "screened_party": { "customer_id": "C-0031180542", "role": "originator (debtor)", "screened_name": "JOSE LUIS ZAMUDIO OLIVARES", "date_of_birth": "1981-03-27", "nationality": "MX", "country_of_residence": "US" }, "match_threshold": 85, "good_guy_check": "Good-guy record GG-20250604-031 exists for this customer and entry OFAC-48217 but was not applied: the entry was amended on 2026-10-06", "hits": [ { "rank": 1, "list": "OFAC SDN", "entry_uid": "OFAC-48217", "match_score": 100, "matched_name": "ZAMUDIO OLIVARES, Jose Luis", "name_match": "exact on an a.k.a. added 2026-10-06 (the primary name has the surnames reversed)", "secondary_fields": [ { "field": "date_of_birth", "customer": "1981-03-27", "list": "11 Sep 1981", "result": "no match (same year)" }, { "field": "nationality", "customer": "Mexico", "list": "Mexico", "result": "match" }, { "field": "gender", "customer": "Male", "list": "Male", "result": "match" }, { "field": "national_id", "customer": "CURP ZAOL810327HGTMLS04", "list": "C.U.R.P. OIZL810911HSLLMS09", "result": "no match" }, { "field": "address", "customer": "Houston, TX, US", "list": "Culiacán, Sinaloa, Mexico; Mazatlán, Sinaloa, Mexico", "result": "no match" } ], "list_entry": { "entry_type": "Individual", "programs": [ "ILLICIT-DRUGS-EO14059" ], "names": [ { "type": "primary", "name": "OLIVARES ZAMUDIO, Jose Luis" }, { "type": "a.k.a.", "name": "\"EL CONTADOR\"" }, { "type": "a.k.a.", "name": "ZAMUDIO OLIVARES, Jose Luis", "added": "2026-10-06" } ], "dates_of_birth": [ "11 Sep 1981" ], "places_of_birth": [ "Culiacán, Sinaloa, Mexico" ], "nationalities": [ "Mexico" ], "gender": "Male", "identifications": [ { "type": "C.U.R.P.", "number": "OIZL810911HSLLMS09", "country": "Mexico" }, { "type": "R.F.C.", "number": "OIZL810911K25", "country": "Mexico" } ], "addresses": [ "Calle Rio Culiacan 1408, Col. Guadalupe, Culiacán, Sinaloa, Mexico", "Av. del Mar 3311, Mazatlán, Sinaloa, Mexico (added 2025-06-03)", "Blvd. Pedro Infante 2650, Culiacán, Sinaloa, Mexico (added 2026-10-06)" ], "linked_to": [ "CAMBIOS EL DORADO DEL PACIFICO, S.A. DE C.V." ], "date_listed": "2023-05-16", "last_amended": "2026-10-06", "list_text": "OLIVARES ZAMUDIO, Jose Luis (a.k.a. \"EL CONTADOR\"; a.k.a. ZAMUDIO OLIVARES, Jose Luis), Calle Rio Culiacan 1408, Col. Guadalupe, Culiacan, Sinaloa, Mexico; Av. del Mar 3311, Mazatlan, Sinaloa, Mexico; Blvd. Pedro Infante 2650, Culiacan, Sinaloa, Mexico; DOB 11 Sep 1981; POB Culiacan, Sinaloa, Mexico; nationality Mexico; Gender Male; C.U.R.P. OIZL810911HSLLMS09 (Mexico); R.F.C. OIZL810911K25 (Mexico) (individual) [ILLICIT-DRUGS-EO14059] (Linked To: CAMBIOS EL DORADO DEL PACIFICO, S.A. DE C.V.)." } } ] } }, "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)" } } } }