{
  "schema_version": "1.0",
  "table": "interactions",
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  "synthetic": true,
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    {
      "id": "ARISK-2026-01-0001",
      "customer_id": "APP-0015",
      "date": "2026-01-01",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
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      "source_record_id": "ARISK-2026-01-0001",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0018",
      "customer_id": "APP-2017",
      "date": "2026-01-01",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0018",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0027",
      "customer_id": "APP-0003",
      "date": "2026-01-01",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0027",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0002",
      "customer_id": "APP-2501",
      "date": "2026-01-01",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
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      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0002",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0011",
      "customer_id": "APP-0038",
      "date": "2026-01-01",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0011",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0006",
      "customer_id": "APP-1005",
      "date": "2026-01-01",
      "source": "signup",
      "category": "business details",
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      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0006",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0030",
      "customer_id": "APP-3029",
      "date": "2026-01-01",
      "source": "underwriting",
      "category": "risk rationale",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Risk rationale is incomplete for underwriting decisioning.",
      "quote": "Document review rationale before routing.",
      "source_record_id": "UW-2026-01-0030",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0005",
      "customer_id": "APP-0024",
      "date": "2026-01-02",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0005",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0010",
      "customer_id": "APP-1509",
      "date": "2026-01-02",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0010",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0012",
      "customer_id": "APP-1011",
      "date": "2026-01-02",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0012",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0014",
      "customer_id": "APP-1013",
      "date": "2026-01-02",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0014",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0010",
      "customer_id": "APP-3009",
      "date": "2026-01-02",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0010",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0011",
      "customer_id": "APP-0045",
      "date": "2026-01-03",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0011",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0013",
      "customer_id": "APP-0028",
      "date": "2026-01-03",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0013",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0027",
      "customer_id": "APP-0010",
      "date": "2026-01-03",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0027",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0009",
      "customer_id": "APP-0012",
      "date": "2026-01-03",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0009",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0036",
      "customer_id": "APP-1535",
      "date": "2026-01-03",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0036",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0013",
      "customer_id": "APP-0007",
      "date": "2026-01-03",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0013",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0016",
      "customer_id": "APP-1515",
      "date": "2026-01-04",
      "source": "kyc",
      "category": "identity review",
      "status": "in-review",
      "outcome": "manual-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Identity check requires manual review rationale.",
      "quote": "Route to the risk-review lane.",
      "source_record_id": "KYC-2026-01-0016",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0011",
      "customer_id": "APP-0031",
      "date": "2026-01-04",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0011",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0016",
      "customer_id": "APP-1015",
      "date": "2026-01-04",
      "source": "signup",
      "category": "terms review",
      "status": "in-review",
      "outcome": "risk-check",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Application needs risk context before final routing.",
      "quote": "Capture the review rationale.",
      "source_record_id": "SIGN-2026-01-0016",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0008",
      "customer_id": "APP-3007",
      "date": "2026-01-04",
      "source": "underwriting",
      "category": "applicant response",
      "status": "watch",
      "outcome": "waiting",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on applicant response after review request.",
      "quote": "Follow-up owner and age threshold needed.",
      "source_record_id": "UW-2026-01-0008",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0011",
      "customer_id": "APP-0009",
      "date": "2026-01-04",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0011",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0018",
      "customer_id": "APP-3017",
      "date": "2026-01-04",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0018",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0016",
      "customer_id": "APP-2015",
      "date": "2026-01-05",
      "source": "risk",
      "category": "external signal",
      "status": "blocked",
      "outcome": "incomplete",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "External signal cannot be resolved without KYC clarification.",
      "quote": "Resolve identity data first.",
      "source_record_id": "ARISK-2026-01-0016",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0016",
      "customer_id": "APP-2515",
      "date": "2026-01-05",
      "source": "document",
      "category": "ownership evidence",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Ownership document needs risk reviewer confirmation.",
      "quote": "Capture rationale and reviewer owner.",
      "source_record_id": "DOC-2026-01-0016",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0030",
      "customer_id": "APP-1029",
      "date": "2026-01-05",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0030",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0033",
      "customer_id": "APP-0031",
      "date": "2026-01-06",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0033",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0004",
      "customer_id": "APP-1503",
      "date": "2026-01-06",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0004",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0029",
      "customer_id": "APP-0022",
      "date": "2026-01-06",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0029",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0031",
      "customer_id": "APP-0048",
      "date": "2026-01-06",
      "source": "kyc",
      "category": "address verification",
      "status": "watch",
      "outcome": "needs-document",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Address verification needs a clearer supporting document.",
      "quote": "Show acceptable document examples.",
      "source_record_id": "KYC-2026-01-0031",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0001",
      "customer_id": "APP-0029",
      "date": "2026-01-06",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0001",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0006",
      "customer_id": "APP-3005",
      "date": "2026-01-06",
      "source": "underwriting",
      "category": "risk rationale",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Risk rationale is incomplete for underwriting decisioning.",
      "quote": "Document review rationale before routing.",
      "source_record_id": "UW-2026-01-0006",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0016",
      "customer_id": "APP-3015",
      "date": "2026-01-06",
      "source": "underwriting",
      "category": "applicant response",
      "status": "watch",
      "outcome": "waiting",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on applicant response after review request.",
      "quote": "Follow-up owner and age threshold needed.",
      "source_record_id": "UW-2026-01-0016",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0020",
      "customer_id": "APP-3019",
      "date": "2026-01-06",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0020",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0027",
      "customer_id": "APP-0017",
      "date": "2026-01-06",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0027",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0010",
      "customer_id": "APP-2009",
      "date": "2026-01-07",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0010",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0014",
      "customer_id": "APP-2013",
      "date": "2026-01-07",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0014",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0021",
      "customer_id": "APP-0032",
      "date": "2026-01-07",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0021",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0028",
      "customer_id": "APP-1027",
      "date": "2026-01-07",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0028",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0038",
      "customer_id": "APP-1037",
      "date": "2026-01-07",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0038",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0028",
      "customer_id": "APP-3027",
      "date": "2026-01-07",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0028",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0006",
      "customer_id": "APP-2005",
      "date": "2026-01-08",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0006",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0023",
      "customer_id": "APP-0001",
      "date": "2026-01-08",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0023",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0031",
      "customer_id": "APP-0005",
      "date": "2026-01-08",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0031",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0020",
      "customer_id": "APP-1019",
      "date": "2026-01-08",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0020",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0032",
      "customer_id": "APP-1031",
      "date": "2026-01-08",
      "source": "signup",
      "category": "terms review",
      "status": "in-review",
      "outcome": "risk-check",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Application needs risk context before final routing.",
      "quote": "Capture the review rationale.",
      "source_record_id": "SIGN-2026-01-0032",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0002",
      "customer_id": "APP-3001",
      "date": "2026-01-08",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0002",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0004",
      "customer_id": "APP-3003",
      "date": "2026-01-08",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0004",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0013",
      "customer_id": "APP-0035",
      "date": "2026-01-08",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0013",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0007",
      "customer_id": "APP-0050",
      "date": "2026-01-09",
      "source": "document",
      "category": "bank document",
      "status": "watch",
      "outcome": "unclear",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Uploaded bank document is unclear for verification.",
      "quote": "Explain replacement quality requirements.",
      "source_record_id": "DOC-2026-01-0007",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0010",
      "customer_id": "APP-2509",
      "date": "2026-01-09",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0010",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0022",
      "customer_id": "APP-2521",
      "date": "2026-01-09",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0022",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0019",
      "customer_id": "APP-0042",
      "date": "2026-01-09",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0019",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0027",
      "customer_id": "APP-0046",
      "date": "2026-01-09",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0027",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0036",
      "customer_id": "APP-1035",
      "date": "2026-01-09",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0036",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0037",
      "customer_id": "APP-0019",
      "date": "2026-01-09",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0037",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0005",
      "customer_id": "APP-0031",
      "date": "2026-01-09",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0005",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0021",
      "customer_id": "APP-0025",
      "date": "2026-01-10",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0021",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0006",
      "customer_id": "APP-2505",
      "date": "2026-01-10",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0006",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0021",
      "customer_id": "APP-0018",
      "date": "2026-01-10",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0021",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0037",
      "customer_id": "APP-0026",
      "date": "2026-01-10",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0037",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0009",
      "customer_id": "APP-0033",
      "date": "2026-01-10",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0009",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0001",
      "customer_id": "APP-0008",
      "date": "2026-01-11",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0001",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0021",
      "customer_id": "APP-0039",
      "date": "2026-01-11",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0021",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0026",
      "customer_id": "APP-3025",
      "date": "2026-01-11",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0026",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0008",
      "customer_id": "APP-2007",
      "date": "2026-01-12",
      "source": "risk",
      "category": "external signal",
      "status": "blocked",
      "outcome": "incomplete",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "External signal cannot be resolved without KYC clarification.",
      "quote": "Resolve identity data first.",
      "source_record_id": "ARISK-2026-01-0008",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0014",
      "customer_id": "APP-1513",
      "date": "2026-01-12",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0014",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0025",
      "customer_id": "APP-0020",
      "date": "2026-01-12",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0025",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0026",
      "customer_id": "APP-1025",
      "date": "2026-01-12",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0026",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0017",
      "customer_id": "APP-0037",
      "date": "2026-01-12",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0017",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0017",
      "customer_id": "APP-0030",
      "date": "2026-01-13",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0017",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0012",
      "customer_id": "APP-1511",
      "date": "2026-01-13",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0012",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0009",
      "customer_id": "APP-0005",
      "date": "2026-01-13",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0009",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0021",
      "customer_id": "APP-0011",
      "date": "2026-01-13",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0021",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0007",
      "customer_id": "APP-0007",
      "date": "2026-01-13",
      "source": "underwriting",
      "category": "risk rationale",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Risk rationale is incomplete for underwriting decisioning.",
      "quote": "Document review rationale before routing.",
      "source_record_id": "UW-2026-01-0007",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0014",
      "customer_id": "APP-3013",
      "date": "2026-01-13",
      "source": "underwriting",
      "category": "risk rationale",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Risk rationale is incomplete for underwriting decisioning.",
      "quote": "Document review rationale before routing.",
      "source_record_id": "UW-2026-01-0014",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0032",
      "customer_id": "APP-2031",
      "date": "2026-01-14",
      "source": "risk",
      "category": "external signal",
      "status": "blocked",
      "outcome": "incomplete",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "External signal cannot be resolved without KYC clarification.",
      "quote": "Resolve identity data first.",
      "source_record_id": "ARISK-2026-01-0032",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0009",
      "customer_id": "APP-0026",
      "date": "2026-01-14",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0009",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0002",
      "customer_id": "APP-1501",
      "date": "2026-01-14",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0002",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0022",
      "customer_id": "APP-1521",
      "date": "2026-01-14",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0022",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0007",
      "customer_id": "APP-0029",
      "date": "2026-01-14",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0007",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0019",
      "customer_id": "APP-0035",
      "date": "2026-01-14",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0019",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0017",
      "customer_id": "APP-0023",
      "date": "2026-01-15",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0017",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0024",
      "customer_id": "APP-2523",
      "date": "2026-01-15",
      "source": "document",
      "category": "ownership evidence",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Ownership document needs risk reviewer confirmation.",
      "quote": "Capture rationale and reviewer owner.",
      "source_record_id": "DOC-2026-01-0024",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0026",
      "customer_id": "APP-2525",
      "date": "2026-01-15",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0026",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0005",
      "customer_id": "APP-0010",
      "date": "2026-01-15",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0005",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0004",
      "customer_id": "APP-2003",
      "date": "2026-01-16",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0004",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0011",
      "customer_id": "APP-0002",
      "date": "2026-01-16",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0011",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0018",
      "customer_id": "APP-2517",
      "date": "2026-01-16",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0018",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0007",
      "customer_id": "APP-0043",
      "date": "2026-01-17",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0007",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0030",
      "customer_id": "APP-2529",
      "date": "2026-01-17",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0030",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0015",
      "customer_id": "APP-0033",
      "date": "2026-01-17",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0015",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0029",
      "customer_id": "APP-0015",
      "date": "2026-01-17",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0029",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0022",
      "customer_id": "APP-3021",
      "date": "2026-01-17",
      "source": "underwriting",
      "category": "risk rationale",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Risk rationale is incomplete for underwriting decisioning.",
      "quote": "Document review rationale before routing.",
      "source_record_id": "UW-2026-01-0022",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0012",
      "customer_id": "APP-2011",
      "date": "2026-01-18",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0012",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0023",
      "customer_id": "APP-0008",
      "date": "2026-01-18",
      "source": "document",
      "category": "bank document",
      "status": "watch",
      "outcome": "unclear",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Uploaded bank document is unclear for verification.",
      "quote": "Explain replacement quality requirements.",
      "source_record_id": "DOC-2026-01-0023",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0028",
      "customer_id": "APP-2527",
      "date": "2026-01-18",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0028",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0003",
      "customer_id": "APP-0027",
      "date": "2026-01-18",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0003",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0025",
      "customer_id": "APP-0013",
      "date": "2026-01-18",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0025",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0024",
      "customer_id": "APP-3023",
      "date": "2026-01-18",
      "source": "underwriting",
      "category": "applicant response",
      "status": "watch",
      "outcome": "waiting",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on applicant response after review request.",
      "quote": "Follow-up owner and age threshold needed.",
      "source_record_id": "UW-2026-01-0024",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0002",
      "customer_id": "APP-2001",
      "date": "2026-01-19",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0002",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0003",
      "customer_id": "APP-0041",
      "date": "2026-01-19",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0003",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0009",
      "customer_id": "APP-0019",
      "date": "2026-01-19",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0009",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0004",
      "customer_id": "APP-2503",
      "date": "2026-01-19",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0004",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0014",
      "customer_id": "APP-2513",
      "date": "2026-01-19",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0014",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0018",
      "customer_id": "APP-1517",
      "date": "2026-01-19",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0018",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0023",
      "customer_id": "APP-0044",
      "date": "2026-01-19",
      "source": "kyc",
      "category": "address verification",
      "status": "watch",
      "outcome": "needs-document",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Address verification needs a clearer supporting document.",
      "quote": "Show acceptable document examples.",
      "source_record_id": "KYC-2026-01-0023",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0024",
      "customer_id": "APP-1523",
      "date": "2026-01-19",
      "source": "kyc",
      "category": "identity review",
      "status": "in-review",
      "outcome": "manual-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Identity check requires manual review rationale.",
      "quote": "Route to the risk-review lane.",
      "source_record_id": "KYC-2026-01-0024",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0024",
      "customer_id": "APP-1023",
      "date": "2026-01-19",
      "source": "signup",
      "category": "terms review",
      "status": "in-review",
      "outcome": "risk-check",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Application needs risk context before final routing.",
      "quote": "Capture the review rationale.",
      "source_record_id": "SIGN-2026-01-0024",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0003",
      "customer_id": "APP-0048",
      "date": "2026-01-20",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0003",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0008",
      "customer_id": "APP-2507",
      "date": "2026-01-20",
      "source": "document",
      "category": "ownership evidence",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Ownership document needs risk reviewer confirmation.",
      "quote": "Capture rationale and reviewer owner.",
      "source_record_id": "DOC-2026-01-0008",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0032",
      "customer_id": "APP-1531",
      "date": "2026-01-20",
      "source": "kyc",
      "category": "identity review",
      "status": "in-review",
      "outcome": "manual-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Identity check requires manual review rationale.",
      "quote": "Route to the risk-review lane.",
      "source_record_id": "KYC-2026-01-0032",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0002",
      "customer_id": "APP-1001",
      "date": "2026-01-20",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0002",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0035",
      "customer_id": "APP-0043",
      "date": "2026-01-20",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0035",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0015",
      "customer_id": "APP-0011",
      "date": "2026-01-20",
      "source": "underwriting",
      "category": "risk rationale",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Risk rationale is incomplete for underwriting decisioning.",
      "quote": "Document review rationale before routing.",
      "source_record_id": "UW-2026-01-0015",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0013",
      "customer_id": "APP-0021",
      "date": "2026-01-21",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0013",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0022",
      "customer_id": "APP-2021",
      "date": "2026-01-21",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0022",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0024",
      "customer_id": "APP-2023",
      "date": "2026-01-21",
      "source": "risk",
      "category": "external signal",
      "status": "blocked",
      "outcome": "incomplete",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "External signal cannot be resolved without KYC clarification.",
      "quote": "Resolve identity data first.",
      "source_record_id": "ARISK-2026-01-0024",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0026",
      "customer_id": "APP-1525",
      "date": "2026-01-21",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0026",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0030",
      "customer_id": "APP-1529",
      "date": "2026-01-21",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0030",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0005",
      "customer_id": "APP-0003",
      "date": "2026-01-21",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0005",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0023",
      "customer_id": "APP-0037",
      "date": "2026-01-21",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0023",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0012",
      "customer_id": "APP-3011",
      "date": "2026-01-21",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0012",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0029",
      "customer_id": "APP-0029",
      "date": "2026-01-22",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0029",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0001",
      "customer_id": "APP-0001",
      "date": "2026-01-22",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0001",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0010",
      "customer_id": "APP-1009",
      "date": "2026-01-22",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0010",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0039",
      "customer_id": "APP-0045",
      "date": "2026-01-22",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0039",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0023",
      "customer_id": "APP-0015",
      "date": "2026-01-22",
      "source": "underwriting",
      "category": "risk rationale",
      "status": "in-review",
      "outcome": "risk-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Risk rationale is incomplete for underwriting decisioning.",
      "quote": "Document review rationale before routing.",
      "source_record_id": "UW-2026-01-0023",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0026",
      "customer_id": "APP-2025",
      "date": "2026-01-23",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0026",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0020",
      "customer_id": "APP-2519",
      "date": "2026-01-23",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0020",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0033",
      "customer_id": "APP-0024",
      "date": "2026-01-23",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0033",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0004",
      "customer_id": "APP-1003",
      "date": "2026-01-23",
      "source": "signup",
      "category": "profile details",
      "status": "watch",
      "outcome": "incomplete",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Applicant profile is partially complete and has not progressed recently.",
      "quote": "Queue a follow-up before the application ages out.",
      "source_record_id": "SIGN-2026-01-0004",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0003",
      "customer_id": "APP-0005",
      "date": "2026-01-23",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0003",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0019",
      "customer_id": "APP-0013",
      "date": "2026-01-23",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0019",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0005",
      "customer_id": "APP-0017",
      "date": "2026-01-24",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0005",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0019",
      "customer_id": "APP-0006",
      "date": "2026-01-24",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0019",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0031",
      "customer_id": "APP-0041",
      "date": "2026-01-24",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0031",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0012",
      "customer_id": "APP-2511",
      "date": "2026-01-25",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0012",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0020",
      "customer_id": "APP-1519",
      "date": "2026-01-25",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0020",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0034",
      "customer_id": "APP-1533",
      "date": "2026-01-25",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0034",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0035",
      "customer_id": "APP-0050",
      "date": "2026-01-25",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0035",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0034",
      "customer_id": "APP-2033",
      "date": "2026-01-26",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0034",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0006",
      "customer_id": "APP-1505",
      "date": "2026-01-26",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0006",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0007",
      "customer_id": "APP-0036",
      "date": "2026-01-26",
      "source": "kyc",
      "category": "address verification",
      "status": "watch",
      "outcome": "needs-document",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Address verification needs a clearer supporting document.",
      "quote": "Show acceptable document examples.",
      "source_record_id": "KYC-2026-01-0007",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0028",
      "customer_id": "APP-1527",
      "date": "2026-01-26",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0028",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0022",
      "customer_id": "APP-1021",
      "date": "2026-01-26",
      "source": "signup",
      "category": "business details",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Business details require supporting documentation.",
      "quote": "Explain the missing evidence clearly.",
      "source_record_id": "SIGN-2026-01-0022",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0034",
      "customer_id": "APP-1033",
      "date": "2026-01-26",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0034",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0029",
      "customer_id": "APP-0043",
      "date": "2026-01-26",
      "source": "underwriting",
      "category": "KYC completion",
      "status": "blocked",
      "outcome": "missing-kyc",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Underwriting cannot proceed until KYC gaps are closed.",
      "quote": "KYC completion is the next action.",
      "source_record_id": "UW-2026-01-0029",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0028",
      "customer_id": "APP-2027",
      "date": "2026-01-27",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0028",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0030",
      "customer_id": "APP-2029",
      "date": "2026-01-27",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0030",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0015",
      "customer_id": "APP-0004",
      "date": "2026-01-27",
      "source": "document",
      "category": "bank document",
      "status": "watch",
      "outcome": "unclear",
      "effort_score": "4",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Uploaded bank document is unclear for verification.",
      "quote": "Explain replacement quality requirements.",
      "source_record_id": "DOC-2026-01-0015",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0008",
      "customer_id": "APP-1507",
      "date": "2026-01-27",
      "source": "kyc",
      "category": "identity review",
      "status": "in-review",
      "outcome": "manual-review",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Identity check requires manual review rationale.",
      "quote": "Route to the risk-review lane.",
      "source_record_id": "KYC-2026-01-0008",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0027",
      "customer_id": "APP-0039",
      "date": "2026-01-27",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0027",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0025",
      "customer_id": "APP-0034",
      "date": "2026-01-28",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0025",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0029",
      "customer_id": "APP-0036",
      "date": "2026-01-28",
      "source": "document",
      "category": "business document",
      "status": "blocked",
      "outcome": "missing",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Required business document is missing.",
      "quote": "Prompt applicant for the exact missing document.",
      "source_record_id": "DOC-2026-01-0029",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0015",
      "customer_id": "APP-0040",
      "date": "2026-01-28",
      "source": "kyc",
      "category": "address verification",
      "status": "watch",
      "outcome": "needs-document",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "document-gap",
      "detail": "Address verification needs a clearer supporting document.",
      "quote": "Show acceptable document examples.",
      "source_record_id": "KYC-2026-01-0015",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0019",
      "customer_id": "APP-0049",
      "date": "2026-01-29",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0019",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0003",
      "customer_id": "APP-0034",
      "date": "2026-01-29",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0003",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0017",
      "customer_id": "APP-0016",
      "date": "2026-01-29",
      "source": "kyc",
      "category": "identity match",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity evidence is complete and matched for review.",
      "quote": "Ready for next underwriting step.",
      "source_record_id": "KYC-2026-01-0017",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0008",
      "customer_id": "APP-1007",
      "date": "2026-01-29",
      "source": "signup",
      "category": "terms review",
      "status": "in-review",
      "outcome": "risk-check",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Application needs risk context before final routing.",
      "quote": "Capture the review rationale.",
      "source_record_id": "SIGN-2026-01-0008",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0018",
      "customer_id": "APP-1017",
      "date": "2026-01-29",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0018",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0033",
      "customer_id": "APP-0017",
      "date": "2026-01-29",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0033",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "UW-2026-01-0025",
      "customer_id": "APP-0041",
      "date": "2026-01-29",
      "source": "underwriting",
      "category": "approval packet",
      "status": "ready",
      "outcome": "approval-ready",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Application packet has required KYC, documents, and risk rationale.",
      "quote": "Ready for approval queue.",
      "source_record_id": "UW-2026-01-0025",
      "source_table": "underwriting-readiness",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0025",
      "customer_id": "APP-0027",
      "date": "2026-01-30",
      "source": "risk",
      "category": "industry profile",
      "status": "in-review",
      "outcome": "needs-rationale",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "risk-review",
      "detail": "Industry profile requires documented review rationale.",
      "quote": "Decision path should be captured before approval.",
      "source_record_id": "ARISK-2026-01-0025",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "KYC-2026-01-0013",
      "customer_id": "APP-0014",
      "date": "2026-01-30",
      "source": "kyc",
      "category": "beneficial owner",
      "status": "blocked",
      "outcome": "missing-info",
      "effort_score": "6",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "kyc-gap",
      "detail": "Beneficial owner information is incomplete.",
      "quote": "Applicant needs a direct KYC completion prompt.",
      "source_record_id": "KYC-2026-01-0013",
      "source_table": "kyc-checks",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "SIGN-2026-01-0017",
      "customer_id": "APP-0009",
      "date": "2026-01-30",
      "source": "signup",
      "category": "account created",
      "status": "ready",
      "outcome": "complete",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Applicant completed the initial signup path and is ready for downstream checks.",
      "quote": "Low-friction signup path.",
      "source_record_id": "SIGN-2026-01-0017",
      "source_table": "signup-progress",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0015",
      "customer_id": "APP-0047",
      "date": "2026-01-31",
      "source": "risk",
      "category": "account history",
      "status": "watch",
      "outcome": "needs-context",
      "effort_score": "5",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "stalled-onboarding",
      "detail": "Application is waiting on reviewer context from account history.",
      "quote": "Assign an owner to avoid queue drift.",
      "source_record_id": "ARISK-2026-01-0015",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "ARISK-2026-01-0020",
      "customer_id": "APP-2019",
      "date": "2026-01-31",
      "source": "risk",
      "category": "expected volume",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "3",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Expected volume is consistent with submitted evidence.",
      "quote": "Ready for underwriting packet.",
      "source_record_id": "ARISK-2026-01-0020",
      "source_table": "risk-review",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    },
    {
      "id": "DOC-2026-01-0001",
      "customer_id": "APP-0022",
      "date": "2026-01-31",
      "source": "document",
      "category": "identity document",
      "status": "ready",
      "outcome": "verified",
      "effort_score": "2",
      "rating": "",
      "nps_score": "",
      "csat_score": "",
      "flag": "approval-ready",
      "detail": "Identity document is clear and verified.",
      "quote": "No document action needed.",
      "source_record_id": "DOC-2026-01-0001",
      "source_table": "document-verification",
      "period": "2026-01",
      "domain": "application-intelligence",
      "synthetic": "true"
    }
  ]
}