[
  {
    "type": "DUPLICATE_SETTLEMENT",
    "severity": "critical",
    "impact_usd": 22357.48,
    "explanation": "2 separate refund settlements reference the same transaction. Only one is expected; the remainder is a refund issued more than once, money out the door twice.",
    "internal_txn_id": "TXN-00028",
    "order_id": "SKY-100028",
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-00028-R2",
      "TXN-00028"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00028",
      "order_id": "SKY-100028",
      "customer_id": "CUST-1091",
      "amount": 396986.72,
      "currency": "MXN",
      "amount_usd": 23025.23,
      "status": "refunded",
      "created_at": "2026-06-25T17:13:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00028-R2",
        "batch_id": null,
        "gross": 396986.72,
        "fee": 11512.91,
        "net": 385473.81,
        "currency": "MXN",
        "net_usd": 22357.48,
        "settled_at": "2026-06-26T17:13:00",
        "kind": "refund",
        "refs": {
          "transaction_ref": "TXN-00028-R2",
          "merchant_reference": "SKY-100028"
        }
      },
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00028",
        "batch_id": null,
        "gross": 396986.72,
        "fee": 11512.91,
        "net": 385473.81,
        "currency": "MXN",
        "net_usd": 22357.48,
        "settled_at": "2026-07-02T03:13:00",
        "kind": "refund",
        "refs": {
          "transaction_ref": "TXN-00028",
          "merchant_reference": "SKY-100028"
        }
      }
    ],
    "detail": {
      "duplicate_count": 2,
      "entry_type": "refund"
    }
  },
  {
    "type": "DUPLICATE_SETTLEMENT",
    "severity": "critical",
    "impact_usd": 30.76,
    "explanation": "2 separate payment settlements reference the same transaction. Only one is expected; the remainder is over-settlement that will need clawback or offset.",
    "internal_txn_id": "TXN-00052",
    "order_id": "SKY-100052",
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-00052-R2",
      "TXN-00052"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00052",
      "order_id": "SKY-100052",
      "customer_id": "CUST-1136",
      "amount": 126720.0,
      "currency": "COP",
      "amount_usd": 31.68,
      "status": "captured",
      "created_at": "2026-06-12T23:37:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00052-R2",
        "batch_id": null,
        "gross": 126720.0,
        "fee": 3675.18,
        "net": 123044.82,
        "currency": "COP",
        "net_usd": 30.76,
        "settled_at": "2026-06-14T02:37:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-00052-R2",
          "merchant_reference": "SKY-100052"
        }
      },
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00052",
        "batch_id": null,
        "gross": 126720.0,
        "fee": 3675.18,
        "net": 123044.82,
        "currency": "COP",
        "net_usd": 30.76,
        "settled_at": "2026-06-17T05:37:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-00052",
          "merchant_reference": "SKY-100052"
        }
      }
    ],
    "detail": {
      "duplicate_count": 2,
      "entry_type": "payment"
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -41885.66,
    "explanation": "Marked captured on 2026-06-10 against PROCESSOR_B, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00023",
    "order_id": "SKY-100023",
    "processor": "PROCESSOR_B",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00023",
      "order_id": "SKY-100023",
      "customer_id": "CUST-1092",
      "amount": 39891104.76,
      "currency": "CLP",
      "amount_usd": 41885.66,
      "status": "captured",
      "created_at": "2026-06-10T19:49:00",
      "processor": "PROCESSOR_B"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 42
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -17594.84,
    "explanation": "Marked refunded on 2026-07-04 against PROCESSOR_B, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00123",
    "order_id": "SKY-100123",
    "processor": "PROCESSOR_B",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00123",
      "order_id": "SKY-100123",
      "customer_id": "CUST-1157",
      "amount": 95107.24,
      "currency": "BRL",
      "amount_usd": 17594.84,
      "status": "refunded",
      "created_at": "2026-07-04T05:04:00",
      "processor": "PROCESSOR_B"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 19
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -14269.45,
    "explanation": "Marked captured on 2026-06-19 against PROCESSOR_A, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00015",
    "order_id": "SKY-100015",
    "processor": "PROCESSOR_A",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00015",
      "order_id": "SKY-100015",
      "customer_id": "CUST-1113",
      "amount": 246025.0,
      "currency": "MXN",
      "amount_usd": 14269.45,
      "status": "captured",
      "created_at": "2026-06-19T02:55:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 34
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -7369.41,
    "explanation": "Marked refunded on 2026-07-05 against PROCESSOR_A, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00051",
    "order_id": "SKY-100051",
    "processor": "PROCESSOR_A",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00051",
      "order_id": "SKY-100051",
      "customer_id": "CUST-1050",
      "amount": 29477640.0,
      "currency": "COP",
      "amount_usd": 7369.41,
      "status": "refunded",
      "created_at": "2026-07-05T23:32:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 17
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -6693.55,
    "explanation": "Marked captured on 2026-06-01 against PROCESSOR_B, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00100",
    "order_id": "SKY-100100",
    "processor": "PROCESSOR_B",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00100",
      "order_id": "SKY-100100",
      "customer_id": "CUST-1176",
      "amount": 6374809.52,
      "currency": "CLP",
      "amount_usd": 6693.55,
      "status": "captured",
      "created_at": "2026-06-01T11:39:00",
      "processor": "PROCESSOR_B"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 51
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -2315.09,
    "explanation": "Marked captured on 2026-06-14 against PROCESSOR_A, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00048",
    "order_id": "SKY-100048",
    "processor": "PROCESSOR_A",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00048",
      "order_id": "SKY-100048",
      "customer_id": "CUST-1002",
      "amount": 9260360.0,
      "currency": "COP",
      "amount_usd": 2315.09,
      "status": "captured",
      "created_at": "2026-06-14T09:26:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 38
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -39.8,
    "explanation": "Marked captured on 2026-06-23 against PROCESSOR_B, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00021",
    "order_id": "SKY-100021",
    "processor": "PROCESSOR_B",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00021",
      "order_id": "SKY-100021",
      "customer_id": "CUST-1051",
      "amount": 37904.76,
      "currency": "CLP",
      "amount_usd": 39.8,
      "status": "captured",
      "created_at": "2026-06-23T05:29:00",
      "processor": "PROCESSOR_B"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 30
    }
  },
  {
    "type": "MISSING_SETTLEMENT",
    "severity": "high",
    "impact_usd": -14.92,
    "explanation": "Marked refunded on 2026-07-14 against PROCESSOR_A, but absent from that processor's settlement report. Money SkyBridge believes it earned and has not received.",
    "internal_txn_id": "TXN-00073",
    "order_id": "SKY-100073",
    "processor": "PROCESSOR_A",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00073",
      "order_id": "SKY-100073",
      "customer_id": "CUST-1193",
      "amount": 59680.0,
      "currency": "COP",
      "amount_usd": 14.92,
      "status": "refunded",
      "created_at": "2026-07-14T16:26:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [],
    "detail": {
      "days_since_capture": 8
    }
  },
  {
    "type": "STATUS_CONFLICT",
    "severity": "high",
    "impact_usd": 4487.75,
    "explanation": "Ledger says refunded, processor paid it out as a normal payment. The customer was refunded in SkyBridge's system but the money was still collected, or the refund never reached the processor.",
    "internal_txn_id": "TXN-00104",
    "order_id": "SKY-100104",
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-00104"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00104",
      "order_id": "SKY-100104",
      "customer_id": "CUST-1079",
      "amount": 79686.21,
      "currency": "MXN",
      "amount_usd": 4621.8,
      "status": "refunded",
      "created_at": "2026-06-16T23:22:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00104",
        "batch_id": null,
        "gross": 79686.21,
        "fee": 2311.2,
        "net": 77375.01,
        "currency": "MXN",
        "net_usd": 4487.75,
        "settled_at": "2026-06-19T10:22:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-00104",
          "merchant_reference": "SKY-100104"
        }
      }
    ],
    "detail": {
      "internal_status": "refunded",
      "settlement_kind": "payment"
    }
  },
  {
    "type": "STATUS_CONFLICT",
    "severity": "high",
    "impact_usd": 13.04,
    "explanation": "Ledger says refunded, processor paid it out as a normal payment. The customer was refunded in SkyBridge's system but the money was still collected, or the refund never reached the processor.",
    "internal_txn_id": "TXN-00109",
    "order_id": "SKY-100109",
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-00109"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00109",
      "order_id": "SKY-100109",
      "customer_id": "CUST-1001",
      "amount": 53720.0,
      "currency": "COP",
      "amount_usd": 13.43,
      "status": "refunded",
      "created_at": "2026-07-16T04:21:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00109",
        "batch_id": null,
        "gross": 53720.0,
        "fee": 1558.18,
        "net": 52161.82,
        "currency": "COP",
        "net_usd": 13.04,
        "settled_at": "2026-07-23T07:21:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-00109",
          "merchant_reference": "SKY-100109"
        }
      }
    ],
    "detail": {
      "internal_status": "refunded",
      "settlement_kind": "payment"
    }
  },
  {
    "type": "STATUS_CONFLICT",
    "severity": "high",
    "impact_usd": 12.94,
    "explanation": "Ledger says refunded, processor paid it out as a normal payment. The customer was refunded in SkyBridge's system but the money was still collected, or the refund never reached the processor.",
    "internal_txn_id": "TXN-00037",
    "order_id": "SKY-100037",
    "processor": "PROCESSOR_B",
    "settlement_ids": [
      "TXN-00037"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00037",
      "order_id": "SKY-100037",
      "customer_id": "CUST-1083",
      "amount": 13104.76,
      "currency": "CLP",
      "amount_usd": 13.76,
      "status": "refunded",
      "created_at": "2026-06-15T02:38:00",
      "processor": "PROCESSOR_B"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_B",
        "settlement_id": "TXN-00037",
        "batch_id": "BATCH-20260620-B",
        "gross": 13.72,
        "fee": 0.78,
        "net": 12.94,
        "currency": "USD",
        "net_usd": 12.94,
        "settled_at": "2026-06-20T10:38:00",
        "kind": "payment",
        "refs": {
          "payment_id": "TXN-00037",
          "order_number": "SKY-100037"
        }
      }
    ],
    "detail": {
      "internal_status": "refunded",
      "settlement_kind": "payment"
    }
  },
  {
    "type": "AMOUNT_MISMATCH",
    "severity": "medium",
    "impact_usd": -162.9,
    "explanation": "Expected net 28086.55 - fee 733.36 = 27353.19 MXN, but 24544.54 MXN settled. Variance 10.27% exceeds the domestic tolerance of 0.50%.",
    "internal_txn_id": "TXN-00140",
    "order_id": "SKY-100140",
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-00140"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00140",
      "order_id": "SKY-100140",
      "customer_id": "CUST-1106",
      "amount": 28086.55,
      "currency": "MXN",
      "amount_usd": 1629.02,
      "status": "captured",
      "created_at": "2026-06-19T08:49:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00140",
        "batch_id": null,
        "gross": 25277.9,
        "fee": 733.36,
        "net": 24544.54,
        "currency": "MXN",
        "net_usd": 1423.58,
        "settled_at": "2026-06-25T19:49:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-00140",
          "merchant_reference": "SKY-100140"
        }
      }
    ],
    "detail": {
      "net_delta": -2808.65,
      "delta_pct": 0.102681,
      "tolerance_pct": 0.005,
      "is_fx": false,
      "matched_by": "exact_order_id"
    }
  },
  {
    "type": "AMOUNT_MISMATCH",
    "severity": "medium",
    "impact_usd": 90.78,
    "explanation": "Expected net 3301240.00 - fee 106267.22 = 3194972.78 COP, but 3558109.18 COP settled. Variance 11.37% exceeds the domestic tolerance of 0.50%.",
    "internal_txn_id": "TXN-00016",
    "order_id": "SKY-100016",
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-00016"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00016",
      "order_id": "SKY-100016",
      "customer_id": "CUST-1148",
      "amount": 3301240.0,
      "currency": "COP",
      "amount_usd": 825.31,
      "status": "captured",
      "created_at": "2026-06-08T11:30:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00016",
        "batch_id": null,
        "gross": 3664376.4,
        "fee": 106267.22,
        "net": 3558109.18,
        "currency": "COP",
        "net_usd": 889.53,
        "settled_at": "2026-06-11T13:30:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-00016",
          "merchant_reference": "SKY-100016"
        }
      }
    ],
    "detail": {
      "net_delta": 363136.4,
      "delta_pct": 0.113659,
      "tolerance_pct": 0.005,
      "is_fx": false,
      "matched_by": "exact_order_id"
    }
  },
  {
    "type": "AMOUNT_MISMATCH",
    "severity": "medium",
    "impact_usd": 15.44,
    "explanation": "Expected net 561320.00 - fee 18069.19 = 543250.81 COP, but 604996.01 COP settled. Variance 11.37% exceeds the domestic tolerance of 0.50%.",
    "internal_txn_id": "TXN-00007",
    "order_id": "SKY-100007",
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-00007"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00007",
      "order_id": "SKY-100007",
      "customer_id": "CUST-1088",
      "amount": 561320.0,
      "currency": "COP",
      "amount_usd": 140.33,
      "status": "captured",
      "created_at": "2026-06-26T03:31:00",
      "processor": "PROCESSOR_A"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-00007",
        "batch_id": null,
        "gross": 623065.2,
        "fee": 18069.19,
        "net": 604996.01,
        "currency": "COP",
        "net_usd": 151.25,
        "settled_at": "2026-07-01T05:31:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-00007",
          "merchant_reference": "SKY-100007"
        }
      }
    ],
    "detail": {
      "net_delta": 61745.2,
      "delta_pct": 0.113659,
      "tolerance_pct": 0.005,
      "is_fx": false,
      "matched_by": "exact_order_id"
    }
  },
  {
    "type": "AMOUNT_MISMATCH",
    "severity": "medium",
    "impact_usd": -14.97,
    "explanation": "Expected net 79.56 - fee 2.35 = 77.21 USD, but 62.24 USD settled. Variance 19.39% exceeds the FX tolerance of 2.00%.",
    "internal_txn_id": "TXN-00004",
    "order_id": "SKY-100004",
    "processor": "PROCESSOR_B",
    "settlement_ids": [
      "TXN-00004"
    ],
    "internal_record": {
      "internal_txn_id": "TXN-00004",
      "order_id": "SKY-100004",
      "customer_id": "CUST-1193",
      "amount": 430.05,
      "currency": "BRL",
      "amount_usd": 79.56,
      "status": "captured",
      "created_at": "2026-06-16T12:04:00",
      "processor": "PROCESSOR_B"
    },
    "settlement_records": [
      {
        "processor": "PROCESSOR_B",
        "settlement_id": "TXN-00004",
        "batch_id": "BATCH-20260621-B",
        "gross": 64.59,
        "fee": 2.35,
        "net": 62.24,
        "currency": "USD",
        "net_usd": 62.24,
        "settled_at": "2026-06-21T18:04:00",
        "kind": "payment",
        "refs": {
          "payment_id": "TXN-00004",
          "order_number": "SKY-100004"
        }
      }
    ],
    "detail": {
      "net_delta": -14.97,
      "delta_pct": 0.193887,
      "tolerance_pct": 0.02,
      "is_fx": true,
      "matched_by": "exact_order_id"
    }
  },
  {
    "type": "UNEXPECTED_SETTLEMENT",
    "severity": "medium",
    "impact_usd": 2632.69,
    "explanation": "PROCESSOR_B paid out 2632.69 USD with no corresponding ledger entry. No matching internal transaction found. Unattributed income: real money with no known customer or order behind it.",
    "internal_txn_id": null,
    "order_id": null,
    "processor": "PROCESSOR_B",
    "settlement_ids": [
      "TXN-90002"
    ],
    "internal_record": null,
    "settlement_records": [
      {
        "processor": "PROCESSOR_B",
        "settlement_id": "TXN-90002",
        "batch_id": "BATCH-20260705-B",
        "gross": 2717.28,
        "fee": 84.59,
        "net": 2632.69,
        "currency": "USD",
        "net_usd": 2632.69,
        "settled_at": "2026-07-05T12:00:00",
        "kind": "payment",
        "refs": {
          "payment_id": "TXN-90002",
          "order_number": "SKY-990002"
        }
      }
    ],
    "detail": {
      "reason": "No matching internal transaction found",
      "refs": {
        "payment_id": "TXN-90002",
        "order_number": "SKY-990002"
      }
    }
  },
  {
    "type": "UNEXPECTED_SETTLEMENT",
    "severity": "medium",
    "impact_usd": 2204.85,
    "explanation": "PROCESSOR_A paid out 38014.68 MXN with no corresponding ledger entry. No matching internal transaction found. Unattributed income: real money with no known customer or order behind it.",
    "internal_txn_id": null,
    "order_id": null,
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-90000"
    ],
    "internal_record": null,
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-90000",
        "batch_id": null,
        "gross": 39150.34,
        "fee": 1135.66,
        "net": 38014.68,
        "currency": "MXN",
        "net_usd": 2204.85,
        "settled_at": "2026-07-16T12:00:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-90000",
          "merchant_reference": "SKY-990000"
        }
      }
    ],
    "detail": {
      "reason": "No matching internal transaction found",
      "refs": {
        "transaction_ref": "TXN-90000",
        "merchant_reference": "SKY-990000"
      }
    }
  },
  {
    "type": "UNEXPECTED_SETTLEMENT",
    "severity": "medium",
    "impact_usd": 1526.22,
    "explanation": "PROCESSOR_A paid out 26314.13 MXN with no corresponding ledger entry. No matching internal transaction found. Unattributed income: real money with no known customer or order behind it.",
    "internal_txn_id": null,
    "order_id": null,
    "processor": "PROCESSOR_A",
    "settlement_ids": [
      "TXN-90001"
    ],
    "internal_record": null,
    "settlement_records": [
      {
        "processor": "PROCESSOR_A",
        "settlement_id": "TXN-90001",
        "batch_id": null,
        "gross": 27100.34,
        "fee": 786.21,
        "net": 26314.13,
        "currency": "MXN",
        "net_usd": 1526.22,
        "settled_at": "2026-06-21T14:00:00",
        "kind": "payment",
        "refs": {
          "transaction_ref": "TXN-90001",
          "merchant_reference": "SKY-990001"
        }
      }
    ],
    "detail": {
      "reason": "No matching internal transaction found",
      "refs": {
        "transaction_ref": "TXN-90001",
        "merchant_reference": "SKY-990001"
      }
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00011",
    "order_id": "SKY-100011",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00011",
      "order_id": "SKY-100011",
      "customer_id": "CUST-1177",
      "amount": 39399.6,
      "currency": "USD",
      "amount_usd": 39399.6,
      "status": "refunded",
      "created_at": "2026-07-01T19:40:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 39399.6
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00017",
    "order_id": "SKY-100017",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00017",
      "order_id": "SKY-100017",
      "customer_id": "CUST-1130",
      "amount": 2623.76,
      "currency": "USD",
      "amount_usd": 2623.76,
      "status": "captured",
      "created_at": "2026-06-23T21:43:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 2623.76
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00019",
    "order_id": "SKY-100019",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00019",
      "order_id": "SKY-100019",
      "customer_id": "CUST-1183",
      "amount": 1605.52,
      "currency": "MXN",
      "amount_usd": 93.12,
      "status": "refunded",
      "created_at": "2026-07-05T19:54:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 93.12
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00055",
    "order_id": "SKY-100055",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00055",
      "order_id": "SKY-100055",
      "customer_id": "CUST-1006",
      "amount": 606.54,
      "currency": "USD",
      "amount_usd": 606.54,
      "status": "captured",
      "created_at": "2026-07-05T22:04:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 606.54
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00060",
    "order_id": "SKY-100060",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00060",
      "order_id": "SKY-100060",
      "customer_id": "CUST-1118",
      "amount": 40.4,
      "currency": "USD",
      "amount_usd": 40.4,
      "status": "captured",
      "created_at": "2026-06-10T10:32:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 40.4
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00061",
    "order_id": "SKY-100061",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00061",
      "order_id": "SKY-100061",
      "customer_id": "CUST-1091",
      "amount": 26263.1,
      "currency": "MXN",
      "amount_usd": 1523.26,
      "status": "captured",
      "created_at": "2026-06-02T03:45:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 1523.26
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00066",
    "order_id": "SKY-100066",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00066",
      "order_id": "SKY-100066",
      "customer_id": "CUST-1037",
      "amount": 10754.83,
      "currency": "MXN",
      "amount_usd": 623.78,
      "status": "captured",
      "created_at": "2026-07-08T01:57:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 623.78
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00071",
    "order_id": "SKY-100071",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00071",
      "order_id": "SKY-100071",
      "customer_id": "CUST-1093",
      "amount": 74.47,
      "currency": "USD",
      "amount_usd": 74.47,
      "status": "captured",
      "created_at": "2026-07-03T08:30:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 74.47
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00077",
    "order_id": "SKY-100077",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00077",
      "order_id": "SKY-100077",
      "customer_id": "CUST-1032",
      "amount": 6642.93,
      "currency": "MXN",
      "amount_usd": 385.29,
      "status": "captured",
      "created_at": "2026-07-04T08:26:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 385.29
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00078",
    "order_id": "SKY-100078",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00078",
      "order_id": "SKY-100078",
      "customer_id": "CUST-1000",
      "amount": 1386.55,
      "currency": "MXN",
      "amount_usd": 80.42,
      "status": "captured",
      "created_at": "2026-06-15T20:33:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 80.42
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00083",
    "order_id": "SKY-100083",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00083",
      "order_id": "SKY-100083",
      "customer_id": "CUST-1150",
      "amount": 1102.93,
      "currency": "MXN",
      "amount_usd": 63.97,
      "status": "captured",
      "created_at": "2026-06-06T10:05:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 63.97
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00085",
    "order_id": "SKY-100085",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00085",
      "order_id": "SKY-100085",
      "customer_id": "CUST-1035",
      "amount": 84097.59,
      "currency": "MXN",
      "amount_usd": 4877.66,
      "status": "captured",
      "created_at": "2026-06-17T13:41:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 4877.66
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00091",
    "order_id": "SKY-100091",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00091",
      "order_id": "SKY-100091",
      "customer_id": "CUST-1177",
      "amount": 66438.28,
      "currency": "MXN",
      "amount_usd": 3853.42,
      "status": "captured",
      "created_at": "2026-07-13T19:12:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 3853.42
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00094",
    "order_id": "SKY-100094",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00094",
      "order_id": "SKY-100094",
      "customer_id": "CUST-1040",
      "amount": 359.53,
      "currency": "USD",
      "amount_usd": 359.53,
      "status": "captured",
      "created_at": "2026-06-07T21:47:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 359.53
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00114",
    "order_id": "SKY-100114",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00114",
      "order_id": "SKY-100114",
      "customer_id": "CUST-1018",
      "amount": 15.13,
      "currency": "USD",
      "amount_usd": 15.13,
      "status": "captured",
      "created_at": "2026-06-07T19:38:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 15.13
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00127",
    "order_id": "SKY-100127",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00127",
      "order_id": "SKY-100127",
      "customer_id": "CUST-1075",
      "amount": 60213.45,
      "currency": "MXN",
      "amount_usd": 3492.38,
      "status": "captured",
      "created_at": "2026-07-07T02:54:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 3492.38
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_C has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00136",
    "order_id": "SKY-100136",
    "processor": "PROCESSOR_C",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00136",
      "order_id": "SKY-100136",
      "customer_id": "CUST-1094",
      "amount": 14531.9,
      "currency": "MXN",
      "amount_usd": 842.85,
      "status": "captured",
      "created_at": "2026-07-01T14:19:00",
      "processor": "PROCESSOR_C"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 842.85
    }
  },
  {
    "type": "NOT_COVERED",
    "severity": "info",
    "impact_usd": 0.0,
    "explanation": "PROCESSOR_D has no settlement report in this run, so no conclusion can be drawn. Excluded from exposure rather than reported as missing money.",
    "internal_txn_id": "TXN-00141",
    "order_id": "SKY-100141",
    "processor": "PROCESSOR_D",
    "settlement_ids": [],
    "internal_record": {
      "internal_txn_id": "TXN-00141",
      "order_id": "SKY-100141",
      "customer_id": "CUST-1099",
      "amount": 20.58,
      "currency": "USD",
      "amount_usd": 20.58,
      "status": "captured",
      "created_at": "2026-06-10T17:43:00",
      "processor": "PROCESSOR_D"
    },
    "settlement_records": [],
    "detail": {
      "unreconciled_value_usd": 20.58
    }
  }
]