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{"sheet":"Fee Rules","index":0,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[1,0,1,6],[0,0,0,6]]}
["Fee Rules"]
["Last Updated: 2023-09-20 | Owner: Product & Compliance Team"]
["Rule ID","Category","Description","Condition","Action","Priority","Status"]
["BR-FEE-001","Fee","Standard domestic fee","Type=DOMESTIC, amt<=10M","Fee rate=0.1%",1,"Active"]
["BR-FEE-002","Fee","International transfer fee","Type=INTERNATIONAL","Fee rate=0.5%",1,"Active"]
["BR-FEE-003","Fee","Minimum fee floor","Calculated fee < 100 JPY","Set fee=100 JPY",2,"Active"]
["BR-FEE-004","Fee","VIP fee discount","Tier=VIP","Apply 50% discount",3,"Active"]
["BR-FEE-005","Fee","Fee ceiling rounding","Fee has decimal","Round up (CEILING)",4,"Active"]
["BR-FEE-006","Fee","Flat fee legacy","Amount < 50,000 JPY","Flat fee=200 JPY",1,"Deprecated"]
["BR-FEE-007","Fee","Weekend surcharge (cancelled)","Saturday or Sunday","+50 JPY surcharge",5,"Deprecated"]

{"sheet":"Validation Rules","index":1,"n_rows":13,"n_cols":7,"rows_kept":13,"cut":false,"hidden":false,"merged":[[1,0,1,6],[0,0,0,6]]}
["Validation Rules"]
["Last Updated: 2023-09-20 | Owner: Product & Compliance Team"]
["Rule ID","Category","Description","Condition","Action","Priority","Status"]
["BR-VAL-001","Validation","Minimum amount","Amount < 1 JPY","Reject: AMOUNT_TOO_SMALL",1,"Active"]
["BR-VAL-002","Validation","Max single transfer","Amount > 10,000,000 JPY","Reject: AMOUNT_EXCEEDS_LIMIT",1,"Active"]
["BR-VAL-003","Validation","Source must be active","Source status != ACTIVE","Reject: ACCOUNT_INACTIVE",1,"Active"]
["BR-VAL-004","Validation","Dest must be active","Dest status != ACTIVE","Reject: ACCOUNT_INACTIVE",1,"Active"]
["BR-VAL-005","Validation","Same-account check","Source == Destination","Reject: SAME_ACCOUNT",1,"Active"]
["BR-VAL-006","Validation","Daily limit","Daily total > account limit","Reject: DAILY_LIMIT_EXCEEDED",2,"Active"]
["BR-VAL-007","Validation","Balance check","Balance < amount + fee","Reject: INSUFFICIENT_BALANCE",1,"Active"]
["BR-VAL-008","Validation","Amount positive","Amount <= 0","Reject: INVALID_AMOUNT",1,"Active"]
["BR-VAL-009","Validation","Old daily limit (legacy)","Daily > 500,000 JPY","Reject: DAILY_LIMIT",2,"Deprecated"]
["BR-VAL-010","Validation","Monthly limit (removed)","Monthly > 5,000,000 JPY","Reject: MONTHLY_LIMIT",3,"Deprecated"]

{"sheet":"Risk Rules","index":2,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[1,0,1,6],[0,0,0,6]]}
["Risk Rules"]
["Last Updated: 2023-09-20 | Owner: Product & Compliance Team"]
["Rule ID","Category","Description","Condition","Action","Priority","Status"]
["BR-RISK-001","Risk","High-value flag","Amount >= 500,000 JPY","Risk=HIGH, manual review",1,"Active"]
["BR-RISK-002","Risk","Frequency anomaly","Transfers/day >= 10","Risk=SUSPICIOUS, fraud alert",2,"Active"]
["BR-RISK-003","Risk","International flag","Type=INTERNATIONAL","Additional compliance check",1,"Active"]
["BR-RISK-004","Risk","New account restriction","Account age < 30 days","Risk=NEW_ACCOUNT, limit apply",2,"Active"]
["BR-RISK-005","Risk","Old threshold (legacy)","Amount >= 200,000 JPY","Risk=HIGH",1,"Deprecated"]
["BR-RISK-006","Risk","Night-hour flag (planned)","22:00-06:00 transfer","Extra auth required",3,"Planned"]

{"sheet":"Notification Rules","index":3,"n_rows":7,"n_cols":7,"rows_kept":7,"cut":false,"hidden":false,"merged":[[1,0,1,6],[0,0,0,6]]}
["Notification Rules"]
["Last Updated: 2023-09-20 | Owner: Product & Compliance Team"]
["Rule ID","Category","Description","Condition","Action","Priority","Status"]
["BR-NOTIF-001","Notification","Sender success notice","Status=COMPLETED","Send to sender: amount, dest, time",1,"Active"]
["BR-NOTIF-002","Notification","Recipient notice","Status=COMPLETED","Send to recipient: amount, sender, time",1,"Active"]
["BR-NOTIF-003","Notification","Sender failure notice","Status=FAILED","Send to sender: reason, ref code",2,"Active"]
["BR-NOTIF-004","Notification","Email high-value (removed)","Amount >= 1,000,000 JPY","Send email confirmation",3,"Deprecated"]

{"sheet":"Batch Rules","index":4,"n_rows":7,"n_cols":7,"rows_kept":7,"cut":false,"hidden":false,"merged":[[1,0,1,6],[0,0,0,6]]}
["Batch Rules"]
["Last Updated: 2023-09-20 | Owner: Product & Compliance Team"]
["Rule ID","Category","Description","Condition","Action","Priority","Status"]
["BR-BATCH-001","Batch","Max batch size","Items > 500","Reject: BATCH_SIZE_EXCEEDED",1,"Active"]
["BR-BATCH-002","Batch","Retry on transient error","Transient failure","Retry up to 3 times",2,"Active"]
["BR-BATCH-003","Batch","Partial failure handling","Some items fail","Continue remaining, collect errors",3,"Active"]
["BR-BATCH-004","Batch","Old batch limit (legacy)","Items > 100","Reject: BATCH_SIZE_EXCEEDED",1,"Deprecated"]

{"sheet":"Compliance Rules","index":5,"n_rows":6,"n_cols":7,"rows_kept":6,"cut":false,"hidden":false,"merged":[[1,0,1,6],[0,0,0,6]]}
["Compliance Rules"]
["Last Updated: 2023-09-20 | Owner: Product & Compliance Team"]
["Rule ID","Category","Description","Condition","Action","Priority","Status"]
["BR-COMP-001","Compliance","Audit logging","Any transfer event","Write full audit log",1,"Active"]
["BR-COMP-002","Compliance","Data retention","Record age > 5 years","Archive to cold storage",1,"Active"]
["BR-COMP-003","Compliance","PII masking (planned)","Log contains account#","Mask last 4 digits",2,"Planned"]

{"sheet":"Change Log","index":6,"n_rows":9,"n_cols":4,"rows_kept":9,"cut":false,"hidden":false,"merged":[[0,0,0,3],[1,0,1,3]]}
["Change Log"]
["Last Updated: 2023-09-20 | Owner: Product & Compliance Team"]
["Date","Rule ID","Change Description","Author"]
["2023-09-20","BR-FEE-006","Deprecated flat fee","T. Nguyen"]
["2023-09-20","BR-FEE-007","Cancelled weekend surcharge","T. Nguyen"]
["2023-08-05","BR-VAL-009","Increased daily limit, old deprecated","P. Le"]
["2023-07-01","BR-RISK-005","Risk threshold raised","Risk Team"]
["2023-06-15","BR-BATCH-004","Batch limit raised to 500","Ops Team"]
["2023-05-10","BR-NOTIF-004","Email notification removed","UX Team"]