{
  "schema_version": "sec_204_2.v1",
  "regulation": "SEC Rule 204-2 — Books and Records Requirement",
  "generated_at": "2026-06-14T21:39:38.269Z",
  "generated_by": "BatonIQ",
  "firm": {
    "id": "04ffb2a4-c882-4705-81ef-702fbd2a1b4e",
    "name": "Mark's Advisory (Test)",
    "intake_email": "mark@batoniq.ai",
    "timezone": "America/New_York"
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      "id": "e61cc8ea-e076-45fa-b546-6d128d88d252",
      "received_at": "2026-05-19T23:54:09.367004+00:00",
      "sender_email": "markmaldonado1697@gmail.com",
      "sender_name": "Mark Maldonado",
      "subject": "few items",
      "body_text": "Team,\n\nCan you please send me paperwork to open a new ira account to transfer my\nold 401k plan into?\n\nAlso, i need to send a $25k wire for my upcoming Italy vacation. Let me\nknow what you need from me to process the above.\n",
      "body_html": "<div dir=\"ltr\">Team, <div><br></div><div>Can you please send me paperwork to open a new ira account to transfer my old 401k plan into? </div><div><br></div><div>Also, i need to send a $25k wire for my upcoming Italy vacation. Let me know what you need from me to process the above.</div></div>\n",
      "email_hash": "194c8df480e36abaad56f0cdfb600bb8f9c5ab52fac1a0850b2a5a2452911457",
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      "received_at": "2026-05-20T00:31:56.991501+00:00",
      "sender_email": "markmaldonado1697@gmail.com",
      "sender_name": "Mark Maldonado",
      "subject": "Re: few items",
      "body_text": ">\n> team,\n>\n> Can you please send me paperwork to open a new ira account to transfer my\n> old 401k plan into?\n>\n> Also, i need to send a $25k wire for my upcoming Italy vacation. Let me\n> know what you need from me to process the above.\n>\n",
      "body_html": "<div dir=\"ltr\"><div class=\"gmail_quote gmail_quote_container\"><blockquote class=\"gmail_quote\" style=\"margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex\"><div dir=\"ltr\">team, <div><br></div><div>Can you please send me paperwork to open a new ira account to transfer my old 401k plan into? </div><div><br></div><div>Also, i need to send a $25k wire for my upcoming Italy vacation. Let me know what you need from me to process the above.</div></div>\n</blockquote></div></div>\n",
      "email_hash": "07e606b90cc4d1ff4503a1caf813897278db3f0fde5e30bdba6455a88d8c5edc",
      "external_message_id": "8d146657-698f-4f27-a1ae-978b2e889fe3",
      "client_id": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
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    {
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      "received_at": "2026-05-21T01:42:08.444284+00:00",
      "sender_email": "markmaldonado1697@gmail.com",
      "sender_name": "Mark Maldonado",
      "subject": "Re: few items",
      "body_text": ">\n> team,\n>>\n>> Can you please send me paperwork to open a new ira account to transfer my\n>> old 401k plan into?\n>>\n>> Also, i need to send a $25k wire for my upcoming Italy vacation. Let me\n>> know what you need from me to process the above.\n>>\n>\n",
      "body_html": "<div dir=\"ltr\"><div class=\"gmail_quote gmail_quote_container\"><blockquote class=\"gmail_quote\" style=\"margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex\"><div dir=\"ltr\"><div class=\"gmail_quote\"><blockquote class=\"gmail_quote\" style=\"margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex\"><div dir=\"ltr\">team, <div><br></div><div>Can you please send me paperwork to open a new ira account to transfer my old 401k plan into? </div><div><br></div><div>Also, i need to send a $25k wire for my upcoming Italy vacation. Let me know what you need from me to process the above.</div></div>\n</blockquote></div></div>\n</blockquote></div></div>\n",
      "email_hash": "136909a1d6b4901342e19b2553a0fa779930425db68ba7136e737946a3f730c1",
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      "received_at": "2026-05-21T03:11:45.61406+00:00",
      "sender_email": "demo.client@example.com",
      "sender_name": "Demo Client",
      "subject": "IRA paperwork and wire request",
      "body_text": "Can you please send me paperwork to open a new IRA account to transfer my old 401k plan into?\n\nAlso, I need to send a $25k wire for my upcoming Italy vacation. Let me know what you need from me to process the above.",
      "body_html": null,
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      "received_at": "2026-05-21T03:28:33.947128+00:00",
      "sender_email": "demo.client@example.com",
      "sender_name": "Demo Client",
      "subject": "IRA paperwork and wire request",
      "body_text": "Can you please send me paperwork to open a new IRA account to transfer my old 401k plan into?\n\nAlso, I need to send a $25k wire for my upcoming Italy vacation. Let me know what you need from me to process the above.",
      "body_html": null,
      "email_hash": "b12211f473a1d4d9edfa9da37208b70f64c0f586ca37518df07b7acef0ee5ac6",
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      "sender_email": "demo.client@example.com",
      "sender_name": "Demo Client",
      "subject": "IRA paperwork and wire request",
      "body_text": "Can you please send me paperwork to open a new IRA account to transfer my old 401k plan into?\n\nAlso, I need to send a $25k wire for my upcoming Italy vacation. Let me know what you need from me to process the above.",
      "body_html": null,
      "email_hash": "b12211f473a1d4d9edfa9da37208b70f64c0f586ca37518df07b7acef0ee5ac6",
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      "received_at": "2026-05-21T04:00:39.738066+00:00",
      "sender_email": "demo.client@example.com",
      "sender_name": "Demo Client",
      "subject": "Beneficiary update and distribution question",
      "body_text": "I would like to update the beneficiaries on my IRA to add my daughter as 50% and my son as 50%.\n\nAlso, can you let me know what I need to do to take a $15,000 distribution next month for estimated taxes?",
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      "sender_email": "demo.client@example.com",
      "sender_name": "Demo Client",
      "subject": "Trust account and wire instructions",
      "body_text": "We need to open an investment account for our family trust.\n\nSeparately, I need to wire $50,000 from my existing account for a home renovation deposit. Please let me know what information you need.",
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      "event_type": "email_received",
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      "metadata": {
        "sender": "markmaldonado1697@gmail.com",
        "subject": "few items",
        "provider": "postmark",
        "intake_id": "9a62cfa7-44c4-4efb-aab3-886a8a6139d2",
        "matched_client": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
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        "external_message_id": "07229466-2c41-454c-9f0b-6fe2d99dd84d"
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    {
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      "created_at": "2026-05-19T23:54:27.131375+00:00",
      "event_type": "email_classified",
      "task_id": "927c0ce6-a57f-452b-bcdd-f550dd940f51",
      "email_id": "e61cc8ea-e076-45fa-b546-6d128d88d252",
      "ai_model_version": "claude-sonnet-4-6",
      "confidence_score": 0.95,
      "human_override": false,
      "override_by": null,
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      "processing_ms": 17457,
      "ai_decision": {
        "details": "Client is requesting two distinct actions: (1) paperwork to open a new IRA to receive a 401(k) rollover from a former employer, and (2) a $25,000 outbound wire transfer for an upcoming Italy vacation. Both items require human handling — the account opening and rollover involve new account setup and authorization, while the wire is a money movement requiring explicit approval. Neither item can be auto-processed.",
        "summary": "Open rollover IRA for 401(k) transfer and send $25,000 outbound wire for Italy vacation — two separate workflows required.",
        "priority": "standard",
        "checklist": [
          {
            "id": "verify_identity",
            "label": "Verify client identity",
            "required": true,
            "completed": false,
            "description": "Confirm sender matches the client of record before any further action."
          },
          {
            "id": "confirm_authorization",
            "label": "Confirm written/verbal authorization",
            "required": true,
            "completed": false,
            "description": "Verify a signed LOA, recorded verbal call, or portal-signed instruction is on file."
          },
          {
            "id": "validate_destination",
            "label": "Validate destination account",
            "required": true,
            "completed": false,
            "description": "Confirm receiving account number, routing, and titling match prior wire instructions on file."
          },
          {
            "id": "check_dollar_limits",
            "label": "Check firm and custodian dollar limits",
            "required": true,
            "completed": false,
            "description": "Confirm the amount is within the client's limits and any compliance thresholds."
          },
          {
            "id": "submit_to_custodian",
            "label": "Submit instruction to custodian",
            "required": true,
            "completed": false,
            "description": "Initiate the wire / ACH / check via the custodian's standard channel."
          },
          {
            "id": "confirm_delivery",
            "label": "Confirm settlement / delivery",
            "required": true,
            "completed": false,
            "description": "Verify the funds left the originating account and arrived at the destination."
          },
          {
            "id": "close_loop_with_client",
            "label": "Close the loop with the client",
            "required": true,
            "completed": false,
            "description": "Send the client a confirmation with reference number and expected settlement date."
          }
        ],
        "task_type": "other",
        "key_details": {
          "dollar_amount": "$25,000",
          "client_mentioned": [],
          "account_reference": "401(k) rollover to new IRA",
          "deadline_mentioned": null
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "service_request",
        "confidence_score": 0.95,
        "processing_notes": "Two concurrent requests in one email — ops team should handle each as a separate workflow. (1) Account opening: rollover IRA paperwork needed; delivering firm and 401(k) account details not provided. (2) Wire: $25,000 outbound for Italy vacation; destination account, delivery method, and client authorization not provided. Flag both as requiring separate checklist completion.",
        "request_headline": "Open rollover IRA + $25K wire",
        "workflow_subtype": "money_movement",
        "financial_context": {
          "account_type": "IRA (rollover from 401k)",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": "401(k) rollover; wire",
          "estimated_value_text": null
        },
        "auto_process_reason": "This email contains two Tier 2 actions: a new account opening (rollover IRA) and a money movement (wire transfer). Both are hard-rule items that require human approval and cannot be auto-processed under any circumstances.",
        "missing_information": [
          {
            "field": "dollar_amount",
            "label": "Amount",
            "severity": "blocking",
            "description": "Exact dollar amount to move"
          },
          {
            "field": "account_to",
            "label": "Destination Account",
            "severity": "blocking",
            "description": "Destination account (internal or external)"
          },
          {
            "field": "authorization_method",
            "label": "Authorization Method",
            "severity": "blocking",
            "description": "How the client authorized this (verbal call, signed LOA, secure portal)"
          },
          {
            "field": "account_from",
            "label": "Source Account",
            "severity": "important",
            "description": "Originating account or position"
          },
          {
            "field": "delivery_method",
            "label": "Delivery Method",
            "severity": "important",
            "description": "Wire, ACH, check, journal, etc."
          },
          {
            "field": "timing",
            "label": "Settlement Date",
            "severity": "nice_to_have",
            "description": "Requested settlement / value date"
          },
          {
            "field": "account_type",
            "label": "Account Type",
            "severity": "blocking",
            "description": "Roth IRA, traditional IRA, joint, trust, etc. — needed before sending intake forms"
          },
          {
            "field": "funding_source",
            "label": "Funding Source",
            "severity": "important",
            "description": "How the new account will be funded"
          },
          {
            "field": "beneficiary_designation",
            "label": "Beneficiary Designation",
            "severity": "important",
            "description": "Required for IRA-type accounts"
          },
          {
            "field": "authorization",
            "label": "Authorization",
            "severity": "blocking",
            "description": "Client confirmation that the new account is desired"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "markmaldonado1697@gmail.com",
        "subject": "few items",
        "provider": "postmark",
        "intake_id": "9a62cfa7-44c4-4efb-aab3-886a8a6139d2",
        "workflow_type": "service_request",
        "matched_client": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
        "demo_mode_active": true,
        "workflow_subtype": "money_movement",
        "external_thread_id": null,
        "external_message_id": "07229466-2c41-454c-9f0b-6fe2d99dd84d",
        "total_processing_ms": 17961
      }
    },
    {
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      "created_at": "2026-05-19T23:54:27.408145+00:00",
      "event_type": "workflow_routed",
      "task_id": "927c0ce6-a57f-452b-bcdd-f550dd940f51",
      "email_id": "e61cc8ea-e076-45fa-b546-6d128d88d252",
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      "metadata": {
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        "event_key": "1dee083a070239c1d3b961102f389516",
        "multi_intent": true,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
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            "label": "No autonomous money movement",
            "applied": true,
            "guardrail_id": "guardrail.no_autonomous_money_movement"
          },
          {
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            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Multi-intent requires decomposition or review",
            "applied": true,
            "guardrail_id": "guardrail.multi_intent_requires_decomposition_or_review"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "moderate",
        "selected_workflows": [
          {
            "workflow_family": "money_movement",
            "confidence_score": 0.66,
            "workflow_subtype": "money_movement"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "money_movement",
            "confidence_score": 0.66,
            "workflow_subtype": "money_movement",
            "sequence_available": true
          },
          {
            "supported": true,
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.18,
            "workflow_subtype": "account_opening_existing_client",
            "sequence_available": true
          }
        ]
      }
    },
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      "created_at": "2026-05-19T23:54:27.523826+00:00",
      "event_type": "client_matched",
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      "metadata": {
        "client_id": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
        "event_key": "d221622b63f6621df3118931aa6d14b4",
        "client_name": "Mark Maldonado",
        "client_email": "markmaldonado1697@gmail.com",
        "schema_version": "client_matched.v1",
        "intake_email_id": "e61cc8ea-e076-45fa-b546-6d128d88d252",
        "demo_mode_active": true
      }
    },
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      "created_at": "2026-05-19T23:54:27.670826+00:00",
      "event_type": "crm_contact_lookup_completed",
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      "metadata": {
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            "searched_email": "markmaldonado1697@gmail.com",
            "ambiguity_reason": null,
            "provider_metadata": {
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              "provider": "redtail",
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            },
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          },
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        }
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    {
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      "created_at": "2026-05-19T23:54:28.02946+00:00",
      "event_type": "prepared_action_created",
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      "metadata": {
        "case_id": "BAT-927C0CE6",
        "event_key": "7a80513b07ad578f0432dd20d84f47a1",
        "action_type": "review_money_movement_request",
        "trigger_event": "bootstrap",
        "schema_version": "prepared_action.v1",
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        "sequence_position": 1,
        "prepared_action_id": "e23cc828-965d-4237-ab20-6683cfee5d75"
      }
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    {
      "id": "dd9c6142-61f7-402a-8967-68462016287b",
      "created_at": "2026-05-20T00:31:57.052195+00:00",
      "event_type": "email_received",
      "task_id": null,
      "email_id": "8621c136-f9fc-47c8-b630-a1884419675d",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "sender": "markmaldonado1697@gmail.com",
        "subject": "Re: few items",
        "provider": "postmark",
        "intake_id": "97d5b49d-6a65-435c-97de-119a51ab947c",
        "matched_client": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
        "demo_mode_active": true,
        "external_thread_id": null,
        "external_message_id": "8d146657-698f-4f27-a1ae-978b2e889fe3"
      }
    },
    {
      "id": "26c3019c-7eca-4437-bf31-a14d1004ed0e",
      "created_at": "2026-05-20T00:32:15.633837+00:00",
      "event_type": "email_classified",
      "task_id": "5a108274-ef10-4066-a3d9-d3326623fb18",
      "email_id": "8621c136-f9fc-47c8-b630-a1884419675d",
      "ai_model_version": "claude-sonnet-4-6",
      "confidence_score": 0.95,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": 18435,
      "ai_decision": {
        "details": "Client is requesting two separate actions: (1) paperwork to open a new IRA account to receive a 401(k) rollover from a former employer, and (2) a $25,000 outbound wire for an upcoming personal expense. Both items require human handling — the account opening requires advisory and compliance review, and the wire is a money movement that cannot be auto-processed under any circumstances.",
        "summary": "Open rollover IRA for 401(k) transfer and send $25K outbound wire for Italy vacation — delivering firm and wire destination not yet provided.",
        "priority": "standard",
        "checklist": [
          {
            "id": "collect_delivering_statement",
            "label": "Collect most recent delivering-firm statement",
            "required": true,
            "completed": false,
            "description": "Required by the receiving custodian to validate titling and positions."
          },
          {
            "id": "complete_acat_form",
            "label": "Complete the ACAT form",
            "required": true,
            "completed": false,
            "description": "Pre-fill the receiving custodian's ACAT form with client's confirmation."
          },
          {
            "id": "verify_titling_match",
            "label": "Verify account titling matches",
            "required": true,
            "completed": false,
            "description": "Mismatch between delivering and receiving titling will reject the ACAT."
          },
          {
            "id": "submit_acat",
            "label": "Submit ACAT to receiving custodian",
            "required": true,
            "completed": false,
            "description": "File via the custodian's ACAT submission channel."
          },
          {
            "id": "monitor_status",
            "label": "Monitor ACAT status daily",
            "required": true,
            "completed": false,
            "description": "Track in-progress / rejected / settled status until complete."
          },
          {
            "id": "confirm_assets_received",
            "label": "Confirm assets received and reconciled",
            "required": true,
            "completed": false,
            "description": "Compare the receiving statement against the original delivering statement."
          },
          {
            "id": "reconcile_cost_basis",
            "label": "Reconcile cost basis",
            "required": true,
            "completed": false,
            "description": "Verify cost basis transferred for taxable positions; flag anything missing for follow-up."
          },
          {
            "id": "notify_client_complete",
            "label": "Notify client transfer is complete",
            "required": true,
            "completed": false,
            "description": "Send written confirmation with the new account number and final position summary."
          }
        ],
        "task_type": "other",
        "key_details": {
          "dollar_amount": "$25,000",
          "client_mentioned": [],
          "account_reference": null,
          "deadline_mentioned": null
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "onboarding",
        "confidence_score": 0.95,
        "processing_notes": "Dual-action email requiring two separate workflows. (1) Account opening: client needs rollover IRA paperwork — delivering firm and delivering account number not provided; 401(k) plan details unknown. (2) Wire: $25,000 outbound wire for personal travel — destination bank account not linked or referenced, no authorization method confirmed, no receiving account or bank details provided. Ops team should split into two distinct service requests. Wire request must be verified per firm fraud/authentication protocols before processing.",
        "request_headline": "Rollover IRA opening and $25K wire",
        "workflow_subtype": "acat_transfer_onboarding",
        "financial_context": {
          "account_type": "IRA",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": "401(k) rollover",
          "estimated_value_text": null
        },
        "auto_process_reason": "This email contains two Tier 2 actions: a new account opening (IRA rollover) and a money movement (wire transfer). Neither can be auto-processed. Both require human approval per hard rules.",
        "missing_information": [
          {
            "field": "delivering_firm",
            "label": "Delivering Firm",
            "severity": "blocking",
            "description": "Name of the firm currently holding the assets"
          },
          {
            "field": "delivering_account_number",
            "label": "Delivering Account Number",
            "severity": "blocking",
            "description": "Account number at the delivering firm"
          },
          {
            "field": "account_type",
            "label": "Account Type",
            "severity": "important",
            "description": "IRA, taxable, joint, trust, etc."
          },
          {
            "field": "assets_to_transfer",
            "label": "Assets to Transfer",
            "severity": "important",
            "description": "Cash, specific positions, or in-kind everything"
          },
          {
            "field": "full_or_partial",
            "label": "Transfer Type (Full / Partial)",
            "severity": "nice_to_have",
            "description": "Full ACAT vs. partial transfer — defaults to full when not specified"
          },
          {
            "field": "client_authorization_docs",
            "label": "Signed Authorization Documents",
            "severity": "blocking",
            "description": "Signed ACAT form and most recent statement from delivering firm"
          },
          {
            "field": "account_to",
            "label": "Destination Account",
            "severity": "blocking",
            "description": "Destination account (internal or external) for the $25,000 wire"
          },
          {
            "field": "delivery_method",
            "label": "Delivery Method",
            "severity": "important",
            "description": "Wire, ACH, check, journal, etc. — wire stated but destination bank details not provided"
          },
          {
            "field": "authorization_method",
            "label": "Authorization Method",
            "severity": "blocking",
            "description": "How the client authorized the wire (verbal call, signed LOA, secure portal)"
          },
          {
            "field": "timing",
            "label": "Settlement Date",
            "severity": "nice_to_have",
            "description": "Requested settlement / value date for the wire"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "markmaldonado1697@gmail.com",
        "subject": "Re: few items",
        "provider": "postmark",
        "intake_id": "97d5b49d-6a65-435c-97de-119a51ab947c",
        "workflow_type": "onboarding",
        "matched_client": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
        "demo_mode_active": true,
        "workflow_subtype": "acat_transfer_onboarding",
        "external_thread_id": null,
        "external_message_id": "8d146657-698f-4f27-a1ae-978b2e889fe3",
        "total_processing_ms": 18749
      }
    },
    {
      "id": "a86ae1a0-a2b9-4966-b714-6909510f47b7",
      "created_at": "2026-05-20T00:32:15.781956+00:00",
      "event_type": "workflow_routed",
      "task_id": "5a108274-ef10-4066-a3d9-d3326623fb18",
      "email_id": "8621c136-f9fc-47c8-b630-a1884419675d",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "task_id": "5a108274-ef10-4066-a3d9-d3326623fb18",
        "event_key": "4efae86f06371f96226fc19e01659241",
        "multi_intent": true,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
          {
            "label": "High-risk workflow requires human review",
            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Multi-intent requires decomposition or review",
            "applied": true,
            "guardrail_id": "guardrail.multi_intent_requires_decomposition_or_review"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "moderate",
        "selected_workflows": [
          {
            "workflow_family": "account_transfer",
            "confidence_score": 0.47,
            "workflow_subtype": "acat_transfer_onboarding"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "account_transfer",
            "confidence_score": 0.47,
            "workflow_subtype": "acat_transfer_onboarding",
            "sequence_available": true
          },
          {
            "supported": true,
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.18,
            "workflow_subtype": "account_opening_existing_client",
            "sequence_available": true
          },
          {
            "supported": true,
            "workflow_family": "money_movement",
            "confidence_score": 0.18,
            "workflow_subtype": "money_movement",
            "sequence_available": true
          }
        ]
      }
    },
    {
      "id": "33544cf3-1a93-4142-9090-1c3604af263c",
      "created_at": "2026-05-20T00:32:15.903825+00:00",
      "event_type": "client_matched",
      "task_id": "5a108274-ef10-4066-a3d9-d3326623fb18",
      "email_id": "8621c136-f9fc-47c8-b630-a1884419675d",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "client_id": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
        "event_key": "a426e1b7453403758580adc90e131b59",
        "client_name": "Mark Maldonado",
        "client_email": "markmaldonado1697@gmail.com",
        "schema_version": "client_matched.v1",
        "intake_email_id": "8621c136-f9fc-47c8-b630-a1884419675d",
        "demo_mode_active": true
      }
    },
    {
      "id": "3e8932e6-2fb5-4b99-8c0a-e5428bd34915",
      "created_at": "2026-05-20T00:32:16.108056+00:00",
      "event_type": "crm_contact_lookup_completed",
      "task_id": "5a108274-ef10-4066-a3d9-d3326623fb18",
      "email_id": "8621c136-f9fc-47c8-b630-a1884419675d",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "event_key": "6fdbffcf8e30182cb13ba07993e1446c",
        "crm_enrichment": {
          "lookup": {
            "status": "no_match",
            "contacts": [],
            "matched_at": "2026-05-20T00:32:15.997Z",
            "searched_email": "markmaldonado1697@gmail.com",
            "ambiguity_reason": null,
            "provider_metadata": {
              "mode": "mock",
              "provider": "redtail",
              "adapter_version": "redtail.v0-mock"
            },
            "primary_contact_id": null
          },
          "provider": "redtail",
          "household": null,
          "enriched_at": "2026-05-20T00:32:15.997Z",
          "match_state": "no_match",
          "schema_version": "crm_enrichment.v1"
        }
      }
    },
    {
      "id": "42535f9f-c156-4a93-94ad-42843d4f3154",
      "created_at": "2026-05-20T00:32:16.325303+00:00",
      "event_type": "prepared_action_created",
      "task_id": "5a108274-ef10-4066-a3d9-d3326623fb18",
      "email_id": "8621c136-f9fc-47c8-b630-a1884419675d",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "case_id": "BAT-5A108274",
        "event_key": "c0acf9ee8eed72b67e7298f742175fc0",
        "action_type": "request_client_statement",
        "trigger_event": "bootstrap",
        "schema_version": "prepared_action.v1",
        "demo_mode_active": true,
        "sequence_position": 1,
        "prepared_action_id": "0b244acc-68c7-4934-8069-c71c2aeb642f"
      }
    },
    {
      "id": "3c6748e7-b71b-4765-b65e-868ea4344c09",
      "created_at": "2026-05-21T01:42:08.566992+00:00",
      "event_type": "email_received",
      "task_id": null,
      "email_id": "030bb68f-ce06-4f2a-adfd-588999011e9e",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "sender": "markmaldonado1697@gmail.com",
        "subject": "Re: few items",
        "provider": "postmark",
        "intake_id": "f03d2a0b-c374-44bd-b700-76640b22f5de",
        "matched_client": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
        "demo_mode_active": true,
        "external_thread_id": null,
        "external_message_id": "cacf30d1-cde3-4ce9-947c-d3e9f9ec95ee"
      }
    },
    {
      "id": "778ad577-5a80-4fd0-8d00-889c5e8685f0",
      "created_at": "2026-05-21T01:42:29.040117+00:00",
      "event_type": "email_classified",
      "task_id": "08e80ca7-f307-4e32-b7c0-32fc43fa0c30",
      "email_id": "030bb68f-ce06-4f2a-adfd-588999011e9e",
      "ai_model_version": "claude-sonnet-4-6",
      "confidence_score": 0.95,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": 20312,
      "ai_decision": {
        "details": "Client is requesting paperwork to open a new IRA account to receive a 401(k) rollover from a former employer. Separately, the client is requesting a $25,000 wire transfer for an upcoming Italy vacation. Both items require human handling — account opening and money movement are Tier 2 tasks that cannot be auto-processed.",
        "summary": "Open rollover IRA for 401(k) transfer and initiate $25,000 wire for personal travel.",
        "priority": "standard",
        "checklist": [
          {
            "id": "verify_identity",
            "label": "Verify client identity",
            "required": true,
            "completed": false,
            "description": "Confirm sender matches the client of record."
          },
          {
            "id": "confirm_account_type",
            "label": "Confirm account type",
            "required": true,
            "completed": false,
            "description": "Roth IRA, traditional IRA, joint, trust, etc."
          },
          {
            "id": "send_account_opening_package",
            "label": "Send account-opening package",
            "required": true,
            "completed": false,
            "description": "Custodian-specific opening forms."
          },
          {
            "id": "collect_signed_forms",
            "label": "Collect signed forms",
            "required": true,
            "completed": false,
            "description": "Verify signatures and required disclosures."
          },
          {
            "id": "submit_to_custodian",
            "label": "Submit to custodian",
            "required": true,
            "completed": false,
            "description": "Open the new account at the custodian."
          },
          {
            "id": "confirm_account_active",
            "label": "Confirm account is active",
            "required": true,
            "completed": false,
            "description": "Verify new account number is live."
          }
        ],
        "client_id": null,
        "task_type": "other",
        "key_details": {
          "dollar_amount": "$25,000",
          "client_mentioned": [],
          "account_reference": null,
          "deadline_mentioned": "Italy vacation (no specific date provided)"
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "service_request",
        "confidence_score": 0.95,
        "processing_notes": "Two separate workflows required: (1) account_opening_existing_client for the rollover IRA — delivering firm and old 401(k) plan details not provided; (2) money_movement for the $25,000 wire — destination account, bank details, and authorization method not provided. Ops should initiate both workflows separately and collect missing information. No urgency language present, but the vacation reference implies the wire may have a soft deadline — advisor should confirm timing with client.",
        "request_headline": "Rollover IRA opening and $25K wire",
        "workflow_subtype": "account_opening_existing_client",
        "financial_context": {
          "account_type": "Traditional IRA (rollover)",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": "401(k) rollover to IRA",
          "estimated_value_text": null
        },
        "auto_process_reason": "Contains two distinct Tier 2 requests: (1) account opening with a rollover IRA, and (2) a $25,000 wire transfer. Neither is auto-process eligible under any circumstance. Both require human approval.",
        "missing_information": [
          {
            "field": "account_type",
            "label": "Account Type",
            "severity": "blocking",
            "description": "Roth IRA, traditional IRA, joint, trust, etc. — needed before sending intake forms"
          },
          {
            "field": "funding_source",
            "label": "Funding Source",
            "severity": "important",
            "description": "How the new account will be funded — client referenced a former 401(k) plan but did not name the plan or provider"
          },
          {
            "field": "beneficiary_designation",
            "label": "Beneficiary Designation",
            "severity": "important",
            "description": "Required for IRA-type accounts"
          },
          {
            "field": "authorization",
            "label": "Authorization",
            "severity": "blocking",
            "description": "Client confirmation that the new account is desired"
          },
          {
            "field": "dollar_amount",
            "label": "Amount",
            "severity": "blocking",
            "description": "Exact dollar amount to move — wire amount stated as $25,000 but must be confirmed by client"
          },
          {
            "field": "account_from",
            "label": "Source Account",
            "severity": "important",
            "description": "Originating account for the $25,000 wire — not specified"
          },
          {
            "field": "account_to",
            "label": "Destination Account",
            "severity": "blocking",
            "description": "Destination bank account for the $25,000 wire — not provided"
          },
          {
            "field": "delivery_method",
            "label": "Delivery Method",
            "severity": "important",
            "description": "Client stated wire, but full wire instructions (ABA, account number, beneficiary name) not provided"
          },
          {
            "field": "authorization_method",
            "label": "Authorization Method",
            "severity": "blocking",
            "description": "How the client authorized this wire — verbal call, signed LOA, or secure portal confirmation required"
          },
          {
            "field": "timing",
            "label": "Settlement Date",
            "severity": "nice_to_have",
            "description": "No specific date provided — vacation reference implies a soft deadline; advisor should confirm"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "markmaldonado1697@gmail.com",
        "subject": "Re: few items",
        "provider": "postmark",
        "intake_id": "f03d2a0b-c374-44bd-b700-76640b22f5de",
        "workflow_type": "service_request",
        "matched_client": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
        "demo_mode_active": true,
        "workflow_subtype": "account_opening_existing_client",
        "external_thread_id": null,
        "external_message_id": "cacf30d1-cde3-4ce9-947c-d3e9f9ec95ee",
        "total_processing_ms": 20727
      }
    },
    {
      "id": "ef174613-df6a-443a-a166-5a8bd5dae236",
      "created_at": "2026-05-21T01:42:29.266838+00:00",
      "event_type": "workflow_routed",
      "task_id": "08e80ca7-f307-4e32-b7c0-32fc43fa0c30",
      "email_id": "030bb68f-ce06-4f2a-adfd-588999011e9e",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "task_id": "08e80ca7-f307-4e32-b7c0-32fc43fa0c30",
        "event_key": "29d9b3f6ac1f38878716d4a0e3c71792",
        "multi_intent": true,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
          {
            "label": "High-risk workflow requires human review",
            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Multi-intent requires decomposition or review",
            "applied": true,
            "guardrail_id": "guardrail.multi_intent_requires_decomposition_or_review"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "moderate",
        "selected_workflows": [
          {
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.66,
            "workflow_subtype": "account_opening_existing_client"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.66,
            "workflow_subtype": "account_opening_existing_client",
            "sequence_available": true
          },
          {
            "supported": true,
            "workflow_family": "money_movement",
            "confidence_score": 0.18,
            "workflow_subtype": "money_movement",
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        ]
      }
    },
    {
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      "created_at": "2026-05-21T01:42:29.355908+00:00",
      "event_type": "client_matched",
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        "client_id": "aa908bc7-830c-4c96-8b56-0a8f78a0291b",
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        "client_name": "Mark Maldonado",
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      "metadata": {
        "case_id": "BAT-08E80CA7",
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        "action_type": "review_client_service_request",
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      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "IRA paperwork and wire request",
        "provider": "postmark",
        "intake_id": "c558291a-adbf-454f-8b2a-54fef8ab61be",
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      "created_at": "2026-05-21T03:12:06.138561+00:00",
      "event_type": "email_classified",
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      "email_id": "de3e94a7-8500-414f-b9a8-e1db90a3aa74",
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      "ai_decision": {
        "details": "Client is requesting two distinct actions: (1) paperwork to open a new IRA to receive a 401(k) rollover from a former employer, and (2) a $25,000 wire transfer for a personal travel expense. Both items require human handling — the account opening triggers onboarding workflow and the wire is a money movement. Neither can be auto-processed.",
        "summary": "Open rollover IRA for 401(k) transfer and process $25,000 wire for personal travel expense.",
        "priority": "standard",
        "checklist": [
          {
            "id": "verify_identity",
            "label": "Verify client identity",
            "required": true,
            "completed": false,
            "description": "Confirm sender matches the client of record before any further action."
          },
          {
            "id": "confirm_authorization",
            "label": "Confirm written/verbal authorization",
            "required": true,
            "completed": false,
            "description": "Verify a signed LOA, recorded verbal call, or portal-signed instruction is on file."
          },
          {
            "id": "validate_destination",
            "label": "Validate destination account",
            "required": true,
            "completed": false,
            "description": "Confirm receiving account number, routing, and titling match prior wire instructions on file."
          },
          {
            "id": "check_dollar_limits",
            "label": "Check firm and custodian dollar limits",
            "required": true,
            "completed": false,
            "description": "Confirm the amount is within the client's limits and any compliance thresholds."
          },
          {
            "id": "submit_to_custodian",
            "label": "Submit instruction to custodian",
            "required": true,
            "completed": false,
            "description": "Initiate the wire / ACH / check via the custodian's standard channel."
          },
          {
            "id": "confirm_delivery",
            "label": "Confirm settlement / delivery",
            "required": true,
            "completed": false,
            "description": "Verify the funds left the originating account and arrived at the destination."
          },
          {
            "id": "close_loop_with_client",
            "label": "Close the loop with the client",
            "required": true,
            "completed": false,
            "description": "Send the client a confirmation with reference number and expected settlement date."
          }
        ],
        "task_type": "other",
        "key_details": {
          "dollar_amount": "$25,000",
          "client_mentioned": [],
          "account_reference": "New IRA (rollover from 401k)",
          "deadline_mentioned": null
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "service_request",
        "workflow_notes": "Two separate workflows required. Primary classification set to money_movement given the wire is the more operationally time-sensitive item. A parallel account_opening_existing_client workflow should also be initiated for the rollover IRA. Recommend ops team contact client to collect: (1) wire destination and authorization, (2) 401k plan sponsor name and account number.",
        "confidence_score": 0.96,
        "processing_notes": "Dual-request email — do not conflate the two workflows. Item 1 maps to account_opening_existing_client (rollover IRA onboarding). Item 2 maps to money_movement ($25k wire). Both require separate handling. Wire authorization method, source account, and destination bank details are all missing. Delivering firm for the 401(k) rollover is also unknown — client will need to provide plan sponsor / custodian name and account number before ACAT or direct rollover paperwork can be prepared.",
        "request_headline": "Rollover IRA opening and $25k wire",
        "workflow_subtype": "money_movement",
        "financial_context": {
          "account_type": "IRA (rollover from 401k)",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": "401(k) rollover",
          "estimated_value_text": null
        },
        "auto_process_reason": "Request contains two Tier 2 actions: an account opening (rollover IRA) and a money movement (wire transfer). Both require human approval by hard rule.",
        "missing_information": [
          {
            "field": "dollar_amount",
            "label": "Amount",
            "severity": "blocking",
            "description": "Exact dollar amount to move"
          },
          {
            "field": "account_from",
            "label": "Source Account",
            "severity": "important",
            "description": "Originating account or position for the wire"
          },
          {
            "field": "account_to",
            "label": "Destination Account",
            "severity": "blocking",
            "description": "Destination bank account and wire instructions for the Italy travel wire"
          },
          {
            "field": "delivery_method",
            "label": "Delivery Method",
            "severity": "important",
            "description": "Wire, ACH, check, journal, etc."
          },
          {
            "field": "authorization_method",
            "label": "Authorization Method",
            "severity": "blocking",
            "description": "How the client authorized this (verbal call, signed LOA, secure portal)"
          },
          {
            "field": "timing",
            "label": "Settlement Date",
            "severity": "nice_to_have",
            "description": "Requested settlement / value date — vacation timing may create urgency"
          },
          {
            "field": "account_type",
            "label": "Account Type",
            "severity": "blocking",
            "description": "Confirm IRA rollover vs. traditional IRA; needed before sending intake forms"
          },
          {
            "field": "funding_source",
            "label": "Funding Source",
            "severity": "important",
            "description": "Name of 401(k) plan sponsor and custodian holding the rollover assets"
          },
          {
            "field": "beneficiary_designation",
            "label": "Beneficiary Designation",
            "severity": "important",
            "description": "Required for IRA-type accounts"
          },
          {
            "field": "authorization",
            "label": "Authorization",
            "severity": "blocking",
            "description": "Client confirmation that the new rollover IRA account is desired"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "IRA paperwork and wire request",
        "provider": "postmark",
        "intake_id": "c558291a-adbf-454f-8b2a-54fef8ab61be",
        "workflow_type": "service_request",
        "matched_client": null,
        "demo_mode_active": true,
        "workflow_subtype": "money_movement",
        "external_thread_id": null,
        "external_message_id": "demo-1779333103565-3dcd9701-3d6b-486e-b8bd-8fb4bc05ba2e",
        "total_processing_ms": 20709
      }
    },
    {
      "id": "3711d969-5544-45b6-9ac9-e75163448134",
      "created_at": "2026-05-21T03:12:06.331662+00:00",
      "event_type": "workflow_routed",
      "task_id": "c0140e5b-bf12-4e8e-b0df-9228a3893409",
      "email_id": "de3e94a7-8500-414f-b9a8-e1db90a3aa74",
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      "human_override": false,
      "override_by": null,
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      "metadata": {
        "task_id": "c0140e5b-bf12-4e8e-b0df-9228a3893409",
        "event_key": "51725d54cb651bcd576ecc26aa665c89",
        "multi_intent": true,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
          {
            "label": "No autonomous money movement",
            "applied": true,
            "guardrail_id": "guardrail.no_autonomous_money_movement"
          },
          {
            "label": "High-risk workflow requires human review",
            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Multi-intent requires decomposition or review",
            "applied": true,
            "guardrail_id": "guardrail.multi_intent_requires_decomposition_or_review"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "moderate",
        "selected_workflows": [
          {
            "workflow_family": "money_movement",
            "confidence_score": 0.66,
            "workflow_subtype": "money_movement"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "money_movement",
            "confidence_score": 0.66,
            "workflow_subtype": "money_movement",
            "sequence_available": true
          },
          {
            "supported": true,
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.18,
            "workflow_subtype": "account_opening_existing_client",
            "sequence_available": true
          }
        ]
      }
    },
    {
      "id": "5f49904b-6fb5-4616-b721-9175b260bf39",
      "created_at": "2026-05-21T03:12:06.523285+00:00",
      "event_type": "crm_contact_lookup_completed",
      "task_id": "c0140e5b-bf12-4e8e-b0df-9228a3893409",
      "email_id": "de3e94a7-8500-414f-b9a8-e1db90a3aa74",
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      "metadata": {
        "event_key": "8f635ebd2c27aebb8f3d55afa95c197b",
        "crm_enrichment": {
          "lookup": {
            "status": "no_match",
            "contacts": [],
            "matched_at": "2026-05-21T03:12:06.379Z",
            "searched_email": "demo.client@example.com",
            "ambiguity_reason": null,
            "provider_metadata": {
              "mode": "mock",
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          "household": null,
          "enriched_at": "2026-05-21T03:12:06.380Z",
          "match_state": "no_match",
          "schema_version": "crm_enrichment.v1"
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      }
    },
    {
      "id": "6c1894b2-6ac4-4c81-a6d7-b6b37a38dd68",
      "created_at": "2026-05-21T03:12:06.892187+00:00",
      "event_type": "prepared_action_created",
      "task_id": "c0140e5b-bf12-4e8e-b0df-9228a3893409",
      "email_id": "de3e94a7-8500-414f-b9a8-e1db90a3aa74",
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      "metadata": {
        "case_id": "BAT-C0140E5B",
        "event_key": "90e7cfa66faad5bd89730bb313587bb4",
        "action_type": "review_money_movement_request",
        "trigger_event": "bootstrap",
        "schema_version": "prepared_action.v1",
        "demo_mode_active": true,
        "sequence_position": 1,
        "prepared_action_id": "85b6ca31-802c-4f4f-b324-25ce4121719a"
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      "created_at": "2026-05-21T03:20:39.444852+00:00",
      "event_type": "secondary_workstream_requested",
      "task_id": "c0140e5b-bf12-4e8e-b0df-9228a3893409",
      "email_id": "de3e94a7-8500-414f-b9a8-e1db90a3aa74",
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      "metadata": {
        "source": "advisor_promoted_candidate",
        "case_id": "BAT-C0140E5B",
        "task_id": "c0140e5b-bf12-4e8e-b0df-9228a3893409",
        "event_key": "c11dd324cf667d56be694a4f6fbe15c6",
        "promoted_at": "2026-05-21T03:20:39.418Z",
        "schema_version": "secondary_workstream_requested.v1",
        "demo_mode_active": true,
        "promoted_by_user_id": "a6c931c6-8066-431c-aeb3-f0a8c679108b",
        "secondary_sequence_id": "92ee21d16f66ba60",
        "primary_workflow_subtype": "money_movement",
        "secondary_workflow_subtype": "account_opening_existing_client",
        "candidate_evidence_at_promotion": {
          "supported": true,
          "workflow_family": "account_opening_existing_client",
          "confidence_score": 0.18,
          "workflow_subtype": "account_opening_existing_client",
          "sequence_available": true
        },
        "source_workflow_routed_event_id": "3711d969-5544-45b6-9ac9-e75163448134"
      }
    },
    {
      "id": "a57196df-9fee-43e5-926a-15f67e490430",
      "created_at": "2026-05-21T03:28:33.997792+00:00",
      "event_type": "email_received",
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      "email_id": "5e99dbbd-ab99-4396-aea6-76e097b3ac93",
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      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "IRA paperwork and wire request",
        "provider": "postmark",
        "intake_id": "0a130610-978d-4867-b8bf-df1750fc271c",
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        "demo_mode_active": true,
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        "external_message_id": "demo-1779334113318-4a977e41-4ffd-4ed6-9599-dbee3dc4978a"
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    },
    {
      "id": "7dfa1891-71b9-442d-8ff4-2c20f939a99a",
      "created_at": "2026-05-21T03:28:53.842265+00:00",
      "event_type": "email_classified",
      "task_id": "dd433363-0fd8-4bd7-9928-27a9c1c886eb",
      "email_id": "5e99dbbd-ab99-4396-aea6-76e097b3ac93",
      "ai_model_version": "claude-sonnet-4-6",
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      "human_override": false,
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      "processing_ms": 19743,
      "ai_decision": {
        "details": "Client is requesting two separate actions: (1) paperwork to open a new IRA to receive a 401(k) rollover from a former employer, and (2) a $25,000 outgoing wire for an Italy vacation. Both actions require human approval — the IRA opening is a new account request and the wire is money movement. Neither delivering firm nor destination bank has been specified for either request.",
        "summary": "Open rollover IRA for 401(k) transfer and initiate $25,000 wire for personal travel expense.",
        "priority": "standard",
        "checklist": [
          {
            "id": "verify_identity",
            "label": "Verify client identity",
            "required": true,
            "completed": false,
            "description": "Confirm sender matches the client of record before any further action."
          },
          {
            "id": "confirm_authorization",
            "label": "Confirm written/verbal authorization",
            "required": true,
            "completed": false,
            "description": "Verify a signed LOA, recorded verbal call, or portal-signed instruction is on file."
          },
          {
            "id": "validate_destination",
            "label": "Validate destination account",
            "required": true,
            "completed": false,
            "description": "Confirm receiving account number, routing, and titling match prior wire instructions on file."
          },
          {
            "id": "check_dollar_limits",
            "label": "Check firm and custodian dollar limits",
            "required": true,
            "completed": false,
            "description": "Confirm the amount is within the client's limits and any compliance thresholds."
          },
          {
            "id": "submit_to_custodian",
            "label": "Submit instruction to custodian",
            "required": true,
            "completed": false,
            "description": "Initiate the wire / ACH / check via the custodian's standard channel."
          },
          {
            "id": "confirm_delivery",
            "label": "Confirm settlement / delivery",
            "required": true,
            "completed": false,
            "description": "Verify the funds left the originating account and arrived at the destination."
          },
          {
            "id": "close_loop_with_client",
            "label": "Close the loop with the client",
            "required": true,
            "completed": false,
            "description": "Send the client a confirmation with reference number and expected settlement date."
          }
        ],
        "task_type": "other",
        "key_details": {
          "dollar_amount": "$25,000",
          "client_mentioned": [],
          "account_reference": "New IRA (rollover from 401k); primary account (wire source unspecified)",
          "deadline_mentioned": "Italy vacation — no specific date given"
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "service_request",
        "confidence_score": 0.97,
        "processing_notes": "Two distinct workflows in one email — ops team should split into two separate work items: (1) IRA account opening / rollover onboarding, (2) $25,000 wire request. Wire authorization method, source account, and destination bank are all missing and blocking. Rollover is missing delivering firm name, delivering account number, and signed authorization docs. Vacation framing for the wire is noted — standard personal wire but no urgency language present.",
        "request_headline": "Rollover IRA opening and $25K wire",
        "workflow_subtype": "money_movement",
        "financial_context": {
          "account_type": "IRA (rollover from 401(k))",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": "401(k) rollover; outgoing wire",
          "estimated_value_text": null
        },
        "related_workflows": [
          {
            "note": "Secondary workflow: 401(k) rollover into new IRA — delivering firm and account number not yet provided",
            "workflow_type": "onboarding",
            "workflow_subtype": "acat_transfer_onboarding"
          }
        ],
        "auto_process_reason": "Contains two Tier 2 actions: account opening (IRA) and money movement (wire). Both require human approval under Hard Rules 2 and 1 respectively. Auto-processing is prohibited.",
        "missing_information": [
          {
            "field": "dollar_amount",
            "label": "Amount",
            "severity": "blocking",
            "description": "Exact dollar amount to move"
          },
          {
            "field": "account_from",
            "label": "Source Account",
            "severity": "important",
            "description": "Originating account or position for the $25,000 wire"
          },
          {
            "field": "account_to",
            "label": "Destination Account",
            "severity": "blocking",
            "description": "Destination bank account for the $25,000 wire (ABA routing and account number)"
          },
          {
            "field": "delivery_method",
            "label": "Delivery Method",
            "severity": "important",
            "description": "Wire, ACH, check, journal, etc."
          },
          {
            "field": "authorization_method",
            "label": "Authorization Method",
            "severity": "blocking",
            "description": "How the client authorized this (verbal call, signed LOA, secure portal)"
          },
          {
            "field": "timing",
            "label": "Settlement Date",
            "severity": "nice_to_have",
            "description": "Requested settlement / value date for the wire"
          },
          {
            "field": "account_type",
            "label": "Account Type",
            "severity": "blocking",
            "description": "Confirmed as rollover/traditional IRA — but needs custodian confirmation"
          },
          {
            "field": "funding_source",
            "label": "Funding Source",
            "severity": "important",
            "description": "Name of delivering firm / former employer plan holding the 401(k)"
          },
          {
            "field": "authorization",
            "label": "Authorization",
            "severity": "blocking",
            "description": "Client confirmation and signed new account paperwork for the IRA"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "IRA paperwork and wire request",
        "provider": "postmark",
        "intake_id": "0a130610-978d-4867-b8bf-df1750fc271c",
        "workflow_type": "service_request",
        "matched_client": null,
        "demo_mode_active": true,
        "workflow_subtype": "money_movement",
        "external_thread_id": null,
        "external_message_id": "demo-1779334113318-4a977e41-4ffd-4ed6-9599-dbee3dc4978a",
        "total_processing_ms": 20027
      }
    },
    {
      "id": "263bafa5-af8c-4d4a-aa30-496bf2125252",
      "created_at": "2026-05-21T03:28:53.972037+00:00",
      "event_type": "workflow_routed",
      "task_id": "dd433363-0fd8-4bd7-9928-27a9c1c886eb",
      "email_id": "5e99dbbd-ab99-4396-aea6-76e097b3ac93",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "task_id": "dd433363-0fd8-4bd7-9928-27a9c1c886eb",
        "event_key": "6120dfe08fedb6c00825ee44d0196d29",
        "multi_intent": true,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
          {
            "label": "No autonomous money movement",
            "applied": true,
            "guardrail_id": "guardrail.no_autonomous_money_movement"
          },
          {
            "label": "High-risk workflow requires human review",
            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Multi-intent requires decomposition or review",
            "applied": true,
            "guardrail_id": "guardrail.multi_intent_requires_decomposition_or_review"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "moderate",
        "selected_workflows": [
          {
            "workflow_family": "money_movement",
            "confidence_score": 0.67,
            "workflow_subtype": "money_movement"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "money_movement",
            "confidence_score": 0.67,
            "workflow_subtype": "money_movement",
            "sequence_available": true
          },
          {
            "supported": true,
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.18,
            "workflow_subtype": "account_opening_existing_client",
            "sequence_available": true
          }
        ]
      }
    },
    {
      "id": "0fc7ef93-9bb8-4393-b11d-254f9c634582",
      "created_at": "2026-05-21T03:28:54.116577+00:00",
      "event_type": "crm_contact_lookup_completed",
      "task_id": "dd433363-0fd8-4bd7-9928-27a9c1c886eb",
      "email_id": "5e99dbbd-ab99-4396-aea6-76e097b3ac93",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "event_key": "f75420555c5cc75722a74e5e44f2c79d",
        "crm_enrichment": {
          "lookup": {
            "status": "no_match",
            "contacts": [],
            "matched_at": "2026-05-21T03:28:54.023Z",
            "searched_email": "demo.client@example.com",
            "ambiguity_reason": null,
            "provider_metadata": {
              "mode": "mock",
              "provider": "redtail",
              "adapter_version": "redtail.v0-mock"
            },
            "primary_contact_id": null
          },
          "provider": "redtail",
          "household": null,
          "enriched_at": "2026-05-21T03:28:54.023Z",
          "match_state": "no_match",
          "schema_version": "crm_enrichment.v1"
        }
      }
    },
    {
      "id": "fe5081c4-d0cc-4fca-b10d-7d9f289daab3",
      "created_at": "2026-05-21T03:28:54.399412+00:00",
      "event_type": "prepared_action_created",
      "task_id": "dd433363-0fd8-4bd7-9928-27a9c1c886eb",
      "email_id": "5e99dbbd-ab99-4396-aea6-76e097b3ac93",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "case_id": "BAT-DD433363",
        "event_key": "2c2fb8ddf6a1c6f17785677520cd6ea4",
        "action_type": "review_money_movement_request",
        "trigger_event": "bootstrap",
        "schema_version": "prepared_action.v1",
        "demo_mode_active": true,
        "sequence_position": 1,
        "prepared_action_id": "aec9f5c4-6333-466f-afcf-8a172787d776"
      }
    },
    {
      "id": "c08367fd-85a9-4a98-973c-48e5ffbbd5fd",
      "created_at": "2026-05-21T03:29:11.398798+00:00",
      "event_type": "secondary_workstream_requested",
      "task_id": "dd433363-0fd8-4bd7-9928-27a9c1c886eb",
      "email_id": "5e99dbbd-ab99-4396-aea6-76e097b3ac93",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "source": "advisor_promoted_candidate",
        "case_id": "BAT-DD433363",
        "task_id": "dd433363-0fd8-4bd7-9928-27a9c1c886eb",
        "event_key": "e9d8e4eb151a8cf2b848126089c96ff7",
        "promoted_at": "2026-05-21T03:29:11.382Z",
        "schema_version": "secondary_workstream_requested.v1",
        "demo_mode_active": true,
        "promoted_by_user_id": "a6c931c6-8066-431c-aeb3-f0a8c679108b",
        "secondary_sequence_id": "6a56b7a71db51517",
        "primary_workflow_subtype": "money_movement",
        "secondary_workflow_subtype": "account_opening_existing_client",
        "candidate_evidence_at_promotion": {
          "supported": true,
          "workflow_family": "account_opening_existing_client",
          "confidence_score": 0.18,
          "workflow_subtype": "account_opening_existing_client",
          "sequence_available": true
        },
        "source_workflow_routed_event_id": "263bafa5-af8c-4d4a-aa30-496bf2125252"
      }
    },
    {
      "id": "872569f3-9467-4913-9eb8-ce5c49fdef8a",
      "created_at": "2026-05-21T03:59:32.982381+00:00",
      "event_type": "email_received",
      "task_id": null,
      "email_id": "4aa28635-e94b-4cff-91a6-aa1f2ba3cab5",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "IRA paperwork and wire request",
        "provider": "postmark",
        "intake_id": "305e5b16-9f65-499b-b369-913cd17af456",
        "matched_client": null,
        "demo_mode_active": true,
        "external_thread_id": null,
        "external_message_id": "demo-1779335971794-2fa791f6-238d-48e5-bd8f-849f957469ad"
      }
    },
    {
      "id": "5e4f4251-a04d-4f20-a8cd-8207fd4454f6",
      "created_at": "2026-05-21T03:59:51.912474+00:00",
      "event_type": "email_classified",
      "task_id": "d7dcad14-aacd-48c2-988d-803dcf8c6cdd",
      "email_id": "4aa28635-e94b-4cff-91a6-aa1f2ba3cab5",
      "ai_model_version": "claude-sonnet-4-6",
      "confidence_score": 0.97,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": 18767,
      "ai_decision": {
        "details": "Client is requesting paperwork to open a new IRA account funded by a rollover from a former 401(k). Separately, client is requesting a $25,000 wire transfer for a personal vacation. Both requests require human handling — the IRA opening is an account-opening action and the wire is a money movement.",
        "summary": "Open rollover IRA for 401(k) transfer and wire $25,000 for personal travel expense.",
        "priority": "standard",
        "checklist": [
          {
            "id": "verify_identity",
            "label": "Verify client identity",
            "required": true,
            "completed": false,
            "description": "Confirm sender matches the client of record."
          },
          {
            "id": "confirm_account_type",
            "label": "Confirm account type",
            "required": true,
            "completed": false,
            "description": "Roth IRA, traditional IRA, joint, trust, etc."
          },
          {
            "id": "send_account_opening_package",
            "label": "Send account-opening package",
            "required": true,
            "completed": false,
            "description": "Custodian-specific opening forms."
          },
          {
            "id": "collect_signed_forms",
            "label": "Collect signed forms",
            "required": true,
            "completed": false,
            "description": "Verify signatures and required disclosures."
          },
          {
            "id": "submit_to_custodian",
            "label": "Submit to custodian",
            "required": true,
            "completed": false,
            "description": "Open the new account at the custodian."
          },
          {
            "id": "confirm_account_active",
            "label": "Confirm account is active",
            "required": true,
            "completed": false,
            "description": "Verify new account number is live."
          }
        ],
        "task_type": "other",
        "key_details": {
          "dollar_amount": "$25,000",
          "client_mentioned": [],
          "account_reference": null,
          "deadline_mentioned": null
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "service_request",
        "confidence_score": 0.97,
        "processing_notes": "Dual-request email. Treat as two separate workflows: (1) account_opening_existing_client for the rollover IRA, and (2) money_movement for the $25,000 wire. Neither can proceed without additional information — see missing_information. Wire destination, authorization, and delivery method are all absent. The 401(k) delivering firm and account number are not specified. No urgency indicators present.",
        "request_headline": "Open rollover IRA + $25k wire request",
        "workflow_subtype": "account_opening_existing_client",
        "financial_context": {
          "account_type": "Traditional IRA",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": "401(k) rollover",
          "estimated_value_text": null
        },
        "auto_process_reason": "Contains two Tier 2 actions: account opening (IRA) and money movement (wire). Neither can be auto-processed under any circumstance.",
        "missing_information": [
          {
            "field": "account_type",
            "label": "Account Type",
            "severity": "blocking",
            "description": "Roth IRA, traditional IRA, joint, trust, etc."
          },
          {
            "field": "funding_source",
            "label": "Funding Source",
            "severity": "important",
            "description": "How the new account will be funded — delivering firm name, account number, and whether this is a direct rollover or indirect rollover"
          },
          {
            "field": "beneficiary_designation",
            "label": "Beneficiary Designation",
            "severity": "important",
            "description": "Required for IRA-type accounts"
          },
          {
            "field": "authorization",
            "label": "Authorization",
            "severity": "blocking",
            "description": "Client confirmation that the new account is desired"
          },
          {
            "field": "dollar_amount",
            "label": "Amount",
            "severity": "blocking",
            "description": "Exact dollar amount to wire — $25,000 stated for wire; confirm this is the full amount"
          },
          {
            "field": "account_to",
            "label": "Destination Account",
            "severity": "blocking",
            "description": "Destination bank or account for the $25,000 wire — not provided"
          },
          {
            "field": "account_from",
            "label": "Source Account",
            "severity": "important",
            "description": "Which account the $25,000 wire should originate from"
          },
          {
            "field": "delivery_method",
            "label": "Delivery Method",
            "severity": "important",
            "description": "Confirmed as wire — but wire instructions (bank name, routing, account number) are absent"
          },
          {
            "field": "authorization_method",
            "label": "Authorization Method",
            "severity": "blocking",
            "description": "How the client authorized this wire — verbal call, signed LOA, or secure portal submission required"
          },
          {
            "field": "timing",
            "label": "Settlement Date",
            "severity": "nice_to_have",
            "description": "Requested value date or settlement date for the wire — vacation timing not specified"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "IRA paperwork and wire request",
        "provider": "postmark",
        "intake_id": "305e5b16-9f65-499b-b369-913cd17af456",
        "workflow_type": "service_request",
        "matched_client": null,
        "demo_mode_active": true,
        "workflow_subtype": "account_opening_existing_client",
        "external_thread_id": null,
        "external_message_id": "demo-1779335971794-2fa791f6-238d-48e5-bd8f-849f957469ad",
        "total_processing_ms": 19230
      }
    },
    {
      "id": "b681d796-70d0-416d-88c2-0d36c5de3e78",
      "created_at": "2026-05-21T03:59:52.019832+00:00",
      "event_type": "workflow_routed",
      "task_id": "d7dcad14-aacd-48c2-988d-803dcf8c6cdd",
      "email_id": "4aa28635-e94b-4cff-91a6-aa1f2ba3cab5",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "task_id": "d7dcad14-aacd-48c2-988d-803dcf8c6cdd",
        "event_key": "1e7af65c77e1537788455632b1c43027",
        "multi_intent": true,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
          {
            "label": "High-risk workflow requires human review",
            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Multi-intent requires decomposition or review",
            "applied": true,
            "guardrail_id": "guardrail.multi_intent_requires_decomposition_or_review"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "moderate",
        "selected_workflows": [
          {
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.67,
            "workflow_subtype": "account_opening_existing_client"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "account_opening_existing_client",
            "confidence_score": 0.67,
            "workflow_subtype": "account_opening_existing_client",
            "sequence_available": true
          },
          {
            "supported": true,
            "workflow_family": "money_movement",
            "confidence_score": 0.18,
            "workflow_subtype": "money_movement",
            "sequence_available": true
          }
        ]
      }
    },
    {
      "id": "a46fc998-d6ad-44ff-a7fb-0ca4416669d9",
      "created_at": "2026-05-21T03:59:52.400819+00:00",
      "event_type": "crm_contact_lookup_completed",
      "task_id": "d7dcad14-aacd-48c2-988d-803dcf8c6cdd",
      "email_id": "4aa28635-e94b-4cff-91a6-aa1f2ba3cab5",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "event_key": "1e4c48a191864c05c30db68f955c0804",
        "crm_enrichment": {
          "lookup": {
            "status": "no_match",
            "contacts": [],
            "matched_at": "2026-05-21T03:59:52.067Z",
            "searched_email": "demo.client@example.com",
            "ambiguity_reason": null,
            "provider_metadata": {
              "mode": "mock",
              "provider": "redtail",
              "adapter_version": "redtail.v0-mock"
            },
            "primary_contact_id": null
          },
          "provider": "redtail",
          "household": null,
          "enriched_at": "2026-05-21T03:59:52.067Z",
          "match_state": "no_match",
          "schema_version": "crm_enrichment.v1"
        }
      }
    },
    {
      "id": "0c784e7c-f9f2-4c6e-956b-6fccfe36e2bd",
      "created_at": "2026-05-21T03:59:52.655116+00:00",
      "event_type": "prepared_action_created",
      "task_id": "d7dcad14-aacd-48c2-988d-803dcf8c6cdd",
      "email_id": "4aa28635-e94b-4cff-91a6-aa1f2ba3cab5",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "case_id": "BAT-D7DCAD14",
        "event_key": "de9085c169fc1bbc749af003502f850f",
        "action_type": "review_client_service_request",
        "trigger_event": "bootstrap",
        "schema_version": "prepared_action.v1",
        "demo_mode_active": true,
        "sequence_position": 1,
        "prepared_action_id": "8f9f1701-5759-406f-bfb1-e716867e4358"
      }
    },
    {
      "id": "47df55c3-820a-42e6-a983-9876b763fe02",
      "created_at": "2026-05-21T04:00:39.771313+00:00",
      "event_type": "email_received",
      "task_id": null,
      "email_id": "6ffecb08-62f0-4523-9cdc-f53d4eac9d51",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "Beneficiary update and distribution question",
        "provider": "postmark",
        "intake_id": "5107c299-885f-474f-b8fa-c8a5b181204a",
        "matched_client": null,
        "demo_mode_active": true,
        "external_thread_id": null,
        "external_message_id": "demo-1779336039136-f8886f20-69a3-4186-bfdc-1b0c5ac4d9a2"
      }
    },
    {
      "id": "8742ce1f-2e9d-4688-8833-a8cd8bd229b1",
      "created_at": "2026-05-21T04:00:56.690907+00:00",
      "event_type": "email_classified",
      "task_id": "cc6d5ea7-6f86-4dd1-9b92-a0a718a0c3c7",
      "email_id": "6ffecb08-62f0-4523-9cdc-f53d4eac9d51",
      "ai_model_version": "claude-sonnet-4-6",
      "confidence_score": 0.97,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": 16830,
      "ai_decision": {
        "details": "Client wants to update IRA beneficiaries to add daughter and son at 50% each. Client is also requesting a $15,000 distribution next month to cover estimated taxes. Both actions require human approval — one for beneficiary designation change, one for a distribution/money movement.",
        "summary": "Beneficiary update on IRA (daughter and son, 50/50) plus $15,000 distribution request for estimated taxes next month.",
        "priority": "standard",
        "checklist": [
          {
            "id": "verify_identity",
            "label": "Verify client identity",
            "required": true,
            "completed": false,
            "description": "Confirm sender matches the client of record."
          },
          {
            "id": "pull_current_beneficiaries",
            "label": "Pull current beneficiaries from custodian",
            "required": true,
            "completed": false,
            "description": "Document the existing designations before any change."
          },
          {
            "id": "send_designation_form",
            "label": "Send the beneficiary designation form",
            "required": true,
            "completed": false,
            "description": "Provide the custodian-specific form for the client to sign."
          },
          {
            "id": "collect_signed_form",
            "label": "Collect signed form back",
            "required": true,
            "completed": false,
            "description": "Validate signatures, dates, and percentage totals (must equal 100%)."
          },
          {
            "id": "submit_to_custodian",
            "label": "Submit to custodian",
            "required": true,
            "completed": false,
            "description": "File the signed form through the custodian's standard channel."
          },
          {
            "id": "confirm_update_in_crm",
            "label": "Confirm update in CRM and custodian record",
            "required": true,
            "completed": false,
            "description": "Verify the new designation is reflected in both systems."
          },
          {
            "id": "notify_client",
            "label": "Notify client of completion",
            "required": true,
            "completed": false,
            "description": "Send written confirmation that the beneficiary change is in effect."
          }
        ],
        "task_type": "beneficiary_change",
        "key_details": {
          "dollar_amount": "$15,000",
          "client_mentioned": [
            "daughter",
            "son"
          ],
          "account_reference": "IRA",
          "deadline_mentioned": "next month"
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "service_request",
        "confidence_score": 0.97,
        "processing_notes": "Two distinct service requests in one email — ops team should split into separate workflows: (1) beneficiary_maintenance and (2) distribution_request. Beneficiary change requires signed designation form with full legal names, DOBs, SSNs, and allocation confirmation. Distribution requires source account, destination, tax withholding election, and client authorization. Estimated tax deadline implies some timing sensitivity — confirm exact date with client.",
        "request_headline": "IRA beneficiary update and $15K distribution",
        "workflow_subtype": "beneficiary_maintenance",
        "financial_context": {
          "account_type": "IRA",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": null,
          "estimated_value_text": null
        },
        "auto_process_reason": "Email contains two Tier 2 actions: a beneficiary designation change and a distribution request. Both require human approval and cannot be auto-processed.",
        "missing_information": [
          {
            "field": "account_affected",
            "label": "Affected Accounts",
            "severity": "important",
            "description": "Which account(s) the change applies to"
          },
          {
            "field": "beneficiary_details",
            "label": "Beneficiary Details",
            "severity": "blocking",
            "description": "Full legal name, DOB, SSN/TIN, relationship for daughter and son"
          },
          {
            "field": "authorization",
            "label": "Signed Designation Form",
            "severity": "blocking",
            "description": "Signed beneficiary designation form on file"
          },
          {
            "field": "distribution_type",
            "label": "Distribution Type",
            "severity": "blocking",
            "description": "RMD, Roth conversion, hardship, normal, 72(t), etc. — client indicated normal/estimated tax but should be confirmed"
          },
          {
            "field": "source_account",
            "label": "Source Account",
            "severity": "blocking",
            "description": "IRA, 401(k), or taxable account being distributed from"
          },
          {
            "field": "destination",
            "label": "Destination",
            "severity": "blocking",
            "description": "Bank account, check, or internal transfer destination for the $15,000 distribution"
          },
          {
            "field": "tax_withholding",
            "label": "Tax Withholding Election",
            "severity": "important",
            "description": "Federal/state withholding percentages or waiver"
          },
          {
            "field": "authorization",
            "label": "Client Authorization",
            "severity": "blocking",
            "description": "Verbal or written authorization for the distribution"
          }
        ],
        "additional_workflows": [
          {
            "workflow_type": "service_request",
            "workflow_subtype": "distribution_request"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "Beneficiary update and distribution question",
        "provider": "postmark",
        "intake_id": "5107c299-885f-474f-b8fa-c8a5b181204a",
        "workflow_type": "service_request",
        "matched_client": null,
        "demo_mode_active": true,
        "workflow_subtype": "beneficiary_maintenance",
        "external_thread_id": null,
        "external_message_id": "demo-1779336039136-f8886f20-69a3-4186-bfdc-1b0c5ac4d9a2",
        "total_processing_ms": 17058
      }
    },
    {
      "id": "dc0c3cef-e295-461d-a91d-8dd55848a00f",
      "created_at": "2026-05-21T04:00:56.86633+00:00",
      "event_type": "workflow_routed",
      "task_id": "cc6d5ea7-6f86-4dd1-9b92-a0a718a0c3c7",
      "email_id": "6ffecb08-62f0-4523-9cdc-f53d4eac9d51",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "task_id": "cc6d5ea7-6f86-4dd1-9b92-a0a718a0c3c7",
        "event_key": "5893456d9ffc3326ec76f1526f05e151",
        "multi_intent": false,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
          {
            "label": "High-risk workflow requires human review",
            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "high",
        "selected_workflows": [
          {
            "workflow_family": "beneficiary_maintenance",
            "confidence_score": 0.67,
            "workflow_subtype": "beneficiary_maintenance"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "beneficiary_maintenance",
            "confidence_score": 0.67,
            "workflow_subtype": "beneficiary_maintenance",
            "sequence_available": true
          }
        ]
      }
    },
    {
      "id": "7effe178-a672-4aed-8ccc-6665b13bdf34",
      "created_at": "2026-05-21T04:00:56.995769+00:00",
      "event_type": "crm_contact_lookup_completed",
      "task_id": "cc6d5ea7-6f86-4dd1-9b92-a0a718a0c3c7",
      "email_id": "6ffecb08-62f0-4523-9cdc-f53d4eac9d51",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "event_key": "226284431ae1c158b5a36a36cbc815c4",
        "crm_enrichment": {
          "lookup": {
            "status": "no_match",
            "contacts": [],
            "matched_at": "2026-05-21T04:00:56.913Z",
            "searched_email": "demo.client@example.com",
            "ambiguity_reason": null,
            "provider_metadata": {
              "mode": "mock",
              "provider": "redtail",
              "adapter_version": "redtail.v0-mock"
            },
            "primary_contact_id": null
          },
          "provider": "redtail",
          "household": null,
          "enriched_at": "2026-05-21T04:00:56.913Z",
          "match_state": "no_match",
          "schema_version": "crm_enrichment.v1"
        }
      }
    },
    {
      "id": "a60cae35-6352-4448-bbfd-00a456041984",
      "created_at": "2026-05-21T04:00:57.253947+00:00",
      "event_type": "prepared_action_created",
      "task_id": "cc6d5ea7-6f86-4dd1-9b92-a0a718a0c3c7",
      "email_id": "6ffecb08-62f0-4523-9cdc-f53d4eac9d51",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "case_id": "BAT-CC6D5EA7",
        "event_key": "d9483aeacb1418274fa837ff42328292",
        "action_type": "review_beneficiary_update_request",
        "trigger_event": "bootstrap",
        "schema_version": "prepared_action.v1",
        "demo_mode_active": true,
        "sequence_position": 1,
        "prepared_action_id": "685f5ecb-a570-4cb0-9f65-bb65916072c5"
      }
    },
    {
      "id": "e88bcaa7-0b42-499f-82e4-8de180a93c3f",
      "created_at": "2026-05-21T04:01:27.504514+00:00",
      "event_type": "email_received",
      "task_id": null,
      "email_id": "918c27e3-0bba-4be6-a5e9-669f75d18d3a",
      "ai_model_version": null,
      "confidence_score": null,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "Trust account and wire instructions",
        "provider": "postmark",
        "intake_id": "1f38eb56-4352-49ef-a388-2f619e04724a",
        "matched_client": null,
        "demo_mode_active": true,
        "external_thread_id": null,
        "external_message_id": "demo-1779336086628-2779837e-2cfb-4067-bf40-040df4630bc1"
      }
    },
    {
      "id": "265f563d-81d7-4dca-8438-f989827487fc",
      "created_at": "2026-05-21T04:01:43.979383+00:00",
      "event_type": "email_classified",
      "task_id": "f6e3d996-310d-4f46-b6f2-42cf20aff2fa",
      "email_id": "918c27e3-0bba-4be6-a5e9-669f75d18d3a",
      "ai_model_version": "claude-sonnet-4-6",
      "confidence_score": 0.95,
      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": 16261,
      "ai_decision": {
        "details": "Client has submitted two distinct requests in one email. First, they want to open an investment account for their family trust — account type, funding source, and authorization are all outstanding. Second, they are requesting a $50,000 wire from an existing account for a home renovation deposit; source account, destination account, delivery details, and authorization are all missing. Both requests require human review and cannot be auto-processed.",
        "summary": "Two separate requests: open a family trust investment account and wire $50,000 from an existing account for a home renovation deposit.",
        "priority": "standard",
        "checklist": [
          {
            "id": "verify_identity",
            "label": "Verify client identity",
            "required": true,
            "completed": false,
            "description": "Confirm sender matches the client of record before any further action."
          },
          {
            "id": "confirm_authorization",
            "label": "Confirm written/verbal authorization",
            "required": true,
            "completed": false,
            "description": "Verify a signed LOA, recorded verbal call, or portal-signed instruction is on file."
          },
          {
            "id": "validate_destination",
            "label": "Validate destination account",
            "required": true,
            "completed": false,
            "description": "Confirm receiving account number, routing, and titling match prior wire instructions on file."
          },
          {
            "id": "check_dollar_limits",
            "label": "Check firm and custodian dollar limits",
            "required": true,
            "completed": false,
            "description": "Confirm the amount is within the client's limits and any compliance thresholds."
          },
          {
            "id": "submit_to_custodian",
            "label": "Submit instruction to custodian",
            "required": true,
            "completed": false,
            "description": "Initiate the wire / ACH / check via the custodian's standard channel."
          },
          {
            "id": "confirm_delivery",
            "label": "Confirm settlement / delivery",
            "required": true,
            "completed": false,
            "description": "Verify the funds left the originating account and arrived at the destination."
          },
          {
            "id": "close_loop_with_client",
            "label": "Close the loop with the client",
            "required": true,
            "completed": false,
            "description": "Send the client a confirmation with reference number and expected settlement date."
          }
        ],
        "task_type": "other",
        "key_details": {
          "dollar_amount": "$50,000",
          "client_mentioned": [],
          "account_reference": null,
          "deadline_mentioned": null
        },
        "model_version": "claude-sonnet-4-6",
        "workflow_type": "service_request",
        "confidence_score": 0.95,
        "processing_notes": "Multi-request email — two separate workflows must be created: (1) account_opening_existing_client for the family trust, (2) money_movement for the $50,000 wire. Neither can be auto-processed. Ops team should split into two tickets and gather missing information for each. No delivering firm, source account, destination bank, or authorization documented for either request.",
        "request_headline": "Open trust account + $50K wire request",
        "workflow_subtype": "money_movement",
        "financial_context": {
          "account_type": "trust",
          "receiving_firm": null,
          "delivering_firm": null,
          "transfer_intent": "wire",
          "estimated_value_text": "$50,000"
        },
        "auto_process_reason": "Contains two Tier 2 actions: a trust account opening and a money movement request. Both require human approval by hard rule.",
        "missing_information": [
          {
            "field": "account_from",
            "label": "Source Account",
            "severity": "important",
            "description": "Originating account or position"
          },
          {
            "field": "account_to",
            "label": "Destination Account",
            "severity": "blocking",
            "description": "Destination account (internal or external)"
          },
          {
            "field": "delivery_method",
            "label": "Delivery Method",
            "severity": "important",
            "description": "Wire, ACH, check, journal, etc."
          },
          {
            "field": "authorization_method",
            "label": "Authorization Method",
            "severity": "blocking",
            "description": "How the client authorized this (verbal call, signed LOA, secure portal)"
          },
          {
            "field": "timing",
            "label": "Settlement Date",
            "severity": "nice_to_have",
            "description": "Requested settlement / value date"
          },
          {
            "field": "account_type",
            "label": "Account Type",
            "severity": "blocking",
            "description": "Roth IRA, traditional IRA, joint, trust, etc."
          },
          {
            "field": "funding_source",
            "label": "Funding Source",
            "severity": "important",
            "description": "How the new account will be funded"
          },
          {
            "field": "beneficiary_designation",
            "label": "Beneficiary Designation",
            "severity": "important",
            "description": "Required for IRA-type accounts"
          },
          {
            "field": "authorization",
            "label": "Authorization",
            "severity": "blocking",
            "description": "Client confirmation that the new account is desired"
          }
        ],
        "auto_process_eligible": false,
        "requires_human_approval": true,
        "suggested_assignee_role": "operations",
        "contains_sensitive_action": true
      },
      "metadata": {
        "sender": "demo.client@example.com",
        "subject": "Trust account and wire instructions",
        "provider": "postmark",
        "intake_id": "1f38eb56-4352-49ef-a388-2f619e04724a",
        "workflow_type": "service_request",
        "matched_client": null,
        "demo_mode_active": true,
        "workflow_subtype": "money_movement",
        "external_thread_id": null,
        "external_message_id": "demo-1779336086628-2779837e-2cfb-4067-bf40-040df4630bc1",
        "total_processing_ms": 16707
      }
    },
    {
      "id": "01e56fef-f4bb-4c7b-8697-7170a2bc529b",
      "created_at": "2026-05-21T04:01:44.149855+00:00",
      "event_type": "workflow_routed",
      "task_id": "f6e3d996-310d-4f46-b6f2-42cf20aff2fa",
      "email_id": "918c27e3-0bba-4be6-a5e9-669f75d18d3a",
      "ai_model_version": null,
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      "human_override": false,
      "override_by": null,
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      "processing_ms": null,
      "ai_decision": null,
      "metadata": {
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        "multi_intent": false,
        "fallback_used": false,
        "schema_version": "workflow_routed.v1",
        "guardrails_applied": [
          {
            "label": "No autonomous money movement",
            "applied": true,
            "guardrail_id": "guardrail.no_autonomous_money_movement"
          },
          {
            "label": "High-risk workflow requires human review",
            "applied": true,
            "guardrail_id": "guardrail.high_risk_requires_human_review"
          },
          {
            "label": "Top-10 workflow must have a sequence available",
            "applied": false,
            "guardrail_id": "guardrail.workflow_sequence_must_exist_for_top10"
          },
          {
            "label": "No fake completion for supported workflow",
            "applied": true,
            "guardrail_id": "guardrail.no_fake_completion_for_supported_workflow"
          },
          {
            "label": "Sensitive data not in audit",
            "applied": true,
            "guardrail_id": "guardrail.sensitive_data_not_in_audit"
          }
        ],
        "routing_confidence": "high",
        "selected_workflows": [
          {
            "workflow_family": "money_movement",
            "confidence_score": 0.66,
            "workflow_subtype": "money_movement"
          }
        ],
        "candidate_workflows": [
          {
            "supported": true,
            "workflow_family": "money_movement",
            "confidence_score": 0.66,
            "workflow_subtype": "money_movement",
            "sequence_available": true
          }
        ]
      }
    },
    {
      "id": "735c4587-4cb5-4735-9c85-64fe9ab241d9",
      "created_at": "2026-05-21T04:01:44.285853+00:00",
      "event_type": "crm_contact_lookup_completed",
      "task_id": "f6e3d996-310d-4f46-b6f2-42cf20aff2fa",
      "email_id": "918c27e3-0bba-4be6-a5e9-669f75d18d3a",
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      "human_override": false,
      "override_by": null,
      "override_reason": null,
      "processing_ms": null,
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      "metadata": {
        "event_key": "a231facf73811a7a05ece77bd55bd50b",
        "crm_enrichment": {
          "lookup": {
            "status": "no_match",
            "contacts": [],
            "matched_at": "2026-05-21T04:01:44.207Z",
            "searched_email": "demo.client@example.com",
            "ambiguity_reason": null,
            "provider_metadata": {
              "mode": "mock",
              "provider": "redtail",
              "adapter_version": "redtail.v0-mock"
            },
            "primary_contact_id": null
          },
          "provider": "redtail",
          "household": null,
          "enriched_at": "2026-05-21T04:01:44.207Z",
          "match_state": "no_match",
          "schema_version": "crm_enrichment.v1"
        }
      }
    },
    {
      "id": "493c218f-ef22-4a96-b9d9-d4f734534f86",
      "created_at": "2026-05-21T04:01:44.612332+00:00",
      "event_type": "prepared_action_created",
      "task_id": "f6e3d996-310d-4f46-b6f2-42cf20aff2fa",
      "email_id": "918c27e3-0bba-4be6-a5e9-669f75d18d3a",
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      "metadata": {
        "case_id": "BAT-F6E3D996",
        "event_key": "cbd46b3fcb85802165e90eaee2e2db14",
        "action_type": "review_money_movement_request",
        "trigger_event": "bootstrap",
        "schema_version": "prepared_action.v1",
        "demo_mode_active": true,
        "sequence_position": 1,
        "prepared_action_id": "c435878f-8d62-4244-a7bd-f8cd0db5980b"
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    },
    {
      "id": "5c4d6519-ad29-4f1f-81fb-e634ebec71d8",
      "created_at": "2026-05-21T04:04:28.554589+00:00",
      "event_type": "prepared_action_approved",
      "task_id": "f6e3d996-310d-4f46-b6f2-42cf20aff2fa",
      "email_id": null,
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      "metadata": {
        "case_id": "BAT-F6E3D996",
        "reviewer": {
          "id": "a6c931c6-8066-431c-aeb3-f0a8c679108b",
          "name": "Mark Maldonado",
          "role": "advisor"
        },
        "event_key": "314ffe57ca2ec8ac70f47d6b269b2403",
        "action_type": "review_money_movement_request",
        "trigger_event": "approve",
        "schema_version": "prepared_action.v1",
        "demo_mode_active": true,
        "sequence_position": 1,
        "prepared_action_id": "c435878f-8d62-4244-a7bd-f8cd0db5980b"
      }
    },
    {
      "id": "f5be8d86-ab7d-4ff9-b97c-92b158eb84b6",
      "created_at": "2026-05-21T04:04:28.630397+00:00",
      "event_type": "workflow_plan_snapshot",
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      "email_id": null,
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      "metadata": {
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        "reviewer": {
          "id": "a6c931c6-8066-431c-aeb3-f0a8c679108b",
          "name": "Mark Maldonado",
          "role": "advisor"
        },
        "event_key": "b656efd19096a8bc8ca681644ca4e03e",
        "action_type": "review_money_movement_request",
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