{
  "schema_version": "1.0",
  "table": "settlement-funding",
  "period": "2026-01",
  "synthetic": true,
  "records": [
    {
      "funding_event_id": "FUND-2026-01-0001",
      "account_id": "ACCT-0008",
      "event_date": "2026-01-03",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0002",
      "account_id": "ACCT-1501",
      "event_date": "2026-01-06",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0003",
      "account_id": "ACCT-0034",
      "event_date": "2026-01-10",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0004",
      "account_id": "ACCT-1503",
      "event_date": "2026-01-31",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0005",
      "account_id": "ACCT-0010",
      "event_date": "2026-01-07",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0006",
      "account_id": "ACCT-1505",
      "event_date": "2026-01-04",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0007",
      "account_id": "ACCT-0036",
      "event_date": "2026-01-29",
      "funding_stage": "reconciliation",
      "funding_status": "review",
      "outcome": "reconcile",
      "risk_score": "5",
      "signal_flag": "data-quality-gap",
      "summary": "Settlement total and funding ledger need reconciliation notes.",
      "operator_note": "Missing reference fields reduce confidence.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0008",
      "account_id": "ACCT-1507",
      "event_date": "2026-01-26",
      "funding_stage": "returned item",
      "funding_status": "declined",
      "outcome": "return-review",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Returned funding item requires account-team follow-up.",
      "operator_note": "Do not mark complete until return path is documented.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0009",
      "account_id": "ACCT-0012",
      "event_date": "2026-01-08",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0010",
      "account_id": "ACCT-1509",
      "event_date": "2026-01-30",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0011",
      "account_id": "ACCT-0038",
      "event_date": "2026-01-14",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0012",
      "account_id": "ACCT-1511",
      "event_date": "2026-01-27",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0013",
      "account_id": "ACCT-0014",
      "event_date": "2026-01-23",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0014",
      "account_id": "ACCT-1513",
      "event_date": "2026-01-09",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0015",
      "account_id": "ACCT-0040",
      "event_date": "2026-01-17",
      "funding_stage": "reconciliation",
      "funding_status": "review",
      "outcome": "reconcile",
      "risk_score": "5",
      "signal_flag": "data-quality-gap",
      "summary": "Settlement total and funding ledger need reconciliation notes.",
      "operator_note": "Missing reference fields reduce confidence.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0016",
      "account_id": "ACCT-1515",
      "event_date": "2026-01-25",
      "funding_stage": "returned item",
      "funding_status": "declined",
      "outcome": "return-review",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Returned funding item requires account-team follow-up.",
      "operator_note": "Do not mark complete until return path is documented.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0017",
      "account_id": "ACCT-0016",
      "event_date": "2026-01-05",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0018",
      "account_id": "ACCT-1517",
      "event_date": "2026-01-06",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0019",
      "account_id": "ACCT-0042",
      "event_date": "2026-01-30",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0020",
      "account_id": "ACCT-1519",
      "event_date": "2026-01-06",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0021",
      "account_id": "ACCT-0018",
      "event_date": "2026-01-29",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0022",
      "account_id": "ACCT-1521",
      "event_date": "2026-01-07",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0023",
      "account_id": "ACCT-0044",
      "event_date": "2026-01-05",
      "funding_stage": "reconciliation",
      "funding_status": "review",
      "outcome": "reconcile",
      "risk_score": "5",
      "signal_flag": "data-quality-gap",
      "summary": "Settlement total and funding ledger need reconciliation notes.",
      "operator_note": "Missing reference fields reduce confidence.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0024",
      "account_id": "ACCT-1523",
      "event_date": "2026-01-30",
      "funding_stage": "returned item",
      "funding_status": "declined",
      "outcome": "return-review",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Returned funding item requires account-team follow-up.",
      "operator_note": "Do not mark complete until return path is documented.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0025",
      "account_id": "ACCT-0020",
      "event_date": "2026-01-04",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0026",
      "account_id": "ACCT-1525",
      "event_date": "2026-01-26",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0027",
      "account_id": "ACCT-0046",
      "event_date": "2026-01-13",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0028",
      "account_id": "ACCT-1527",
      "event_date": "2026-01-16",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0029",
      "account_id": "ACCT-0022",
      "event_date": "2026-01-29",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0030",
      "account_id": "ACCT-1529",
      "event_date": "2026-01-07",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0031",
      "account_id": "ACCT-0048",
      "event_date": "2026-01-29",
      "funding_stage": "reconciliation",
      "funding_status": "review",
      "outcome": "reconcile",
      "risk_score": "5",
      "signal_flag": "data-quality-gap",
      "summary": "Settlement total and funding ledger need reconciliation notes.",
      "operator_note": "Missing reference fields reduce confidence.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0032",
      "account_id": "ACCT-1531",
      "event_date": "2026-01-24",
      "funding_stage": "returned item",
      "funding_status": "declined",
      "outcome": "return-review",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Returned funding item requires account-team follow-up.",
      "operator_note": "Do not mark complete until return path is documented.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0033",
      "account_id": "ACCT-0024",
      "event_date": "2026-01-04",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0034",
      "account_id": "ACCT-1533",
      "event_date": "2026-01-30",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0035",
      "account_id": "ACCT-0050",
      "event_date": "2026-01-19",
      "funding_stage": "settled batch",
      "funding_status": "approved",
      "outcome": "funded",
      "risk_score": "2",
      "signal_flag": "healthy-flow",
      "summary": "Batch settled and funding was released on the expected schedule.",
      "operator_note": "No action required.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0036",
      "account_id": "ACCT-1535",
      "event_date": "2026-01-20",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0037",
      "account_id": "ACCT-0026",
      "event_date": "2026-01-26",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    },
    {
      "funding_event_id": "FUND-2026-01-0038",
      "account_id": "ACCT-1537",
      "event_date": "2026-01-25",
      "funding_stage": "pending release",
      "funding_status": "review",
      "outcome": "watch",
      "risk_score": "6",
      "signal_flag": "funding-delay",
      "summary": "Funding is pending beyond the expected release window.",
      "operator_note": "Assign an owner and expected resolution date.",
      "synthetic": "true"
    }
  ]
}