{
  "generated_at": "2026-08-09T15:30:00",
  "engine": "Ophir Automation settlement assurance (reference)",
  "summary": {
    "matched": 6,
    "suspense_items": 4,
    "breaches": 1,
    "escalated": 1,
    "fine_exposure_naira": 10000,
    "suspense_value_naira": 5519500
  },
  "items": [
    {
      "ref": "NIP240808B005",
      "type": "MISSING_LEDGER",
      "leg": "ON-US",
      "counterparty": "First Bank",
      "amount": 3850000,
      "initiated_at": "2026-08-08T11:02",
      "age_hours": 28.5,
      "window_hours": 24,
      "clock": "BREACH",
      "fine_exposure": 10000,
      "note": "Settled on the rail but not posted to the ledger \u2014 funds in suspense",
      "recommended_action": "IMMEDIATE: Issue reversal or complete posting; attach TSQ trail; clear suspense with a posting. File the breach in the monthly failed-transaction return."
    },
    {
      "ref": "NIP240809A004",
      "type": "AMOUNT_MISMATCH",
      "leg": "ON-US",
      "counterparty": "UBA",
      "amount": 405500,
      "initiated_at": "2026-08-08T16:20",
      "age_hours": 23.2,
      "window_hours": 24,
      "clock": "ESCALATED",
      "fine_exposure": 0,
      "note": "Settlement and ledger amounts differ \u2014 suspected keying error",
      "recommended_action": "ESCALATE NOW: Correct the keying error with an adjusting entry; evidence both amounts."
    },
    {
      "ref": "NIP240808B008",
      "type": "MISSING_LEDGER",
      "leg": "NOT-ON-US",
      "counterparty": "Sterling Bank",
      "amount": 1200000,
      "initiated_at": "2026-08-08T09:47",
      "age_hours": 29.7,
      "window_hours": 48,
      "clock": "IN-WINDOW",
      "fine_exposure": 0,
      "note": "Settled on the rail but not posted to the ledger \u2014 funds in suspense",
      "recommended_action": "Issue reversal or complete posting; attach TSQ trail; clear suspense with a posting."
    },
    {
      "ref": "NIP240809A003",
      "type": "DUPLICATE_LEDGER",
      "leg": "ON-US",
      "counterparty": "Access Bank",
      "amount": 64000,
      "initiated_at": "2026-08-09T10:41",
      "age_hours": 4.8,
      "window_hours": 24,
      "clock": "IN-WINDOW",
      "fine_exposure": 0,
      "note": "Posted to the ledger 2 times \u2014 duplicate entry",
      "recommended_action": "Reverse the duplicate posting; confirm single settlement; document root cause."
    }
  ]
}