INDUSTRY FIELD GUIDE
Commercial bank returned-item records for AI review
A deposit may appear in a ledger before an item in it is returned.
NAICS 522110 · Commercial Banking
A deposit may appear in a ledger before an item in it is returned. An assistant investigating a discrepancy needs to link the return to that item and preserve any unaffected entries. FFIEC check-imaging materials describe the processing context for the fictional benchmark. FFIEC remote deposit capture guidance
Create a dummy deposit with two items and a later return that applies to one. Add a third entry with the same amount but a different check reference. Give the reviewer a mock statement and reconciliation note. Ask which item was affected, whether the records establish a new posting, and which source backs the conclusion. Test the distinction between the original item, a return, and a separate deposit.
Use synthetic documents and nonvalid account and routing placeholders. Keep actual check images, signatures, customer information, account balances, and internal fraud rules outside the sample. A bank reviewer should confirm the fictional labels and use case.
Describe a returned-item reconciliation test
Original Fiund exercise
One returned item does not reverse every equal-value deposit
An inert ledger fixture uses invented item aliases and practice units. It includes no valid account or routing information and cannot initiate a banking action.
| Record | Source | What it records |
|---|---|---|
| BI1 | Deposit D1 | Items C-A=70 units and C-B=30 units; total 100. Posted in mock ledger day 1. |
| BI2 | Return R1 | Day 3 return of 30 units explicitly references C-B within D1. Reconciliation note maps R1 to that item. |
| BI3 | Deposit D2 | Day 3 separate 30-unit item C-C. No reference to C-B, D1 or R1. |
Question for the model
Which original item is affected by R1, and does D2 establish a replacement posting for the returned item?
Show the reference answer and checks
BI2 explicitly associates the 30-unit return with C-B in D1. BI1's C-A remains a separate 70-unit item unaffected by the supplied return record. BI3's D2 is also 30 units, but its item C-C has no replacement link to C-B. Preserve D2 as a distinct deposit and leave replacement status unresolved. Matching amounts and dates do not establish a shared transaction identity.
- Reversing the entire 100-unit deposit for a return linked to one component.
- Treating an equal-value later deposit as a replacement without a source relationship.
Fields to preserve
- Deposit and item references
- Preserves component-level identity.
- Return target and amount
- Limits the adjustment's scope.
- Replacement link and reconciliation note
- Distinguishes an established reposting from coincidence.
Test another case
Add an explicit correction linking a new item C-D to C-B. Require the replacement relationship without merging unrelated C-C.
Use fully synthetic cards and nonvalid identifiers. Exclude checks, signatures, customer histories, actual balances and internal fraud procedures.
Discuss a contribution
Describe the sources you control, the task they could support and what has already been checked. Use the existing-data assessment for an archive or the collection brief for a new recording project. The contributor agreement defines Fiund’s licensing authority and compensation. A guide or fictional exercise does not establish an accepted collection or a sale.