{
  "schema_version": "1.0",
  "table": "risk-review",
  "period": "2026-01",
  "synthetic": true,
  "records": [
    {
      "risk_review_id": "ARISK-2026-01-0001",
      "applicant_id": "APP-0015",
      "review_date": "2026-01-01",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0002",
      "applicant_id": "APP-2001",
      "review_date": "2026-01-19",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0003",
      "applicant_id": "APP-0041",
      "review_date": "2026-01-19",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0004",
      "applicant_id": "APP-2003",
      "review_date": "2026-01-16",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0005",
      "applicant_id": "APP-0017",
      "review_date": "2026-01-24",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0006",
      "applicant_id": "APP-2005",
      "review_date": "2026-01-08",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0007",
      "applicant_id": "APP-0043",
      "review_date": "2026-01-17",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0008",
      "applicant_id": "APP-2007",
      "review_date": "2026-01-12",
      "risk_area": "external signal",
      "review_status": "blocked",
      "outcome": "incomplete",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "External signal cannot be resolved without KYC clarification.",
      "review_note": "Resolve identity data first.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0009",
      "applicant_id": "APP-0019",
      "review_date": "2026-01-19",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0010",
      "applicant_id": "APP-2009",
      "review_date": "2026-01-07",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0011",
      "applicant_id": "APP-0045",
      "review_date": "2026-01-03",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0012",
      "applicant_id": "APP-2011",
      "review_date": "2026-01-18",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0013",
      "applicant_id": "APP-0021",
      "review_date": "2026-01-21",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0014",
      "applicant_id": "APP-2013",
      "review_date": "2026-01-07",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0015",
      "applicant_id": "APP-0047",
      "review_date": "2026-01-31",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0016",
      "applicant_id": "APP-2015",
      "review_date": "2026-01-05",
      "risk_area": "external signal",
      "review_status": "blocked",
      "outcome": "incomplete",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "External signal cannot be resolved without KYC clarification.",
      "review_note": "Resolve identity data first.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0017",
      "applicant_id": "APP-0023",
      "review_date": "2026-01-15",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0018",
      "applicant_id": "APP-2017",
      "review_date": "2026-01-01",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0019",
      "applicant_id": "APP-0049",
      "review_date": "2026-01-29",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0020",
      "applicant_id": "APP-2019",
      "review_date": "2026-01-31",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0021",
      "applicant_id": "APP-0025",
      "review_date": "2026-01-10",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0022",
      "applicant_id": "APP-2021",
      "review_date": "2026-01-21",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0023",
      "applicant_id": "APP-0001",
      "review_date": "2026-01-08",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0024",
      "applicant_id": "APP-2023",
      "review_date": "2026-01-21",
      "risk_area": "external signal",
      "review_status": "blocked",
      "outcome": "incomplete",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "External signal cannot be resolved without KYC clarification.",
      "review_note": "Resolve identity data first.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0025",
      "applicant_id": "APP-0027",
      "review_date": "2026-01-30",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0026",
      "applicant_id": "APP-2025",
      "review_date": "2026-01-23",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0027",
      "applicant_id": "APP-0003",
      "review_date": "2026-01-01",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0028",
      "applicant_id": "APP-2027",
      "review_date": "2026-01-27",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0029",
      "applicant_id": "APP-0029",
      "review_date": "2026-01-22",
      "risk_area": "expected volume",
      "review_status": "ready",
      "outcome": "verified",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Expected volume is consistent with submitted evidence.",
      "review_note": "Ready for underwriting packet.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0030",
      "applicant_id": "APP-2029",
      "review_date": "2026-01-27",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0031",
      "applicant_id": "APP-0005",
      "review_date": "2026-01-08",
      "risk_area": "account history",
      "review_status": "watch",
      "outcome": "needs-context",
      "review_complexity": "5",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on reviewer context from account history.",
      "review_note": "Assign an owner to avoid queue drift.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0032",
      "applicant_id": "APP-2031",
      "review_date": "2026-01-14",
      "risk_area": "external signal",
      "review_status": "blocked",
      "outcome": "incomplete",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "External signal cannot be resolved without KYC clarification.",
      "review_note": "Resolve identity data first.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0033",
      "applicant_id": "APP-0031",
      "review_date": "2026-01-06",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    },
    {
      "risk_review_id": "ARISK-2026-01-0034",
      "applicant_id": "APP-2033",
      "review_date": "2026-01-26",
      "risk_area": "industry profile",
      "review_status": "in-review",
      "outcome": "needs-rationale",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Industry profile requires documented review rationale.",
      "review_note": "Decision path should be captured before approval.",
      "synthetic": "true"
    }
  ]
}