Topic 3: One-Time & Recurring ACH Withdrawal & Deposit

NLZ Migration POC — Money Movement — Kaushik Sarkar

Implemented Use Cases (Wave 2)

New Inline Rule Services

Mock Accounts

Account Codes Supported (up from 3)

Scope: Map the current OLZ investor-ach-api (OnPrem) path to the NLZ cam-movemoney-process-api (Cloud) architecture for ACH deposits, withdrawals, and recurring transactions.

Pages

Demo Walkthrough — Wave 2

Plain-English explanation + logic details + 5-min demo script

Testing Guide (UI)

Dynamic AVUI demo — 10 one-click scenarios, validation checklist

✓

Implementation Status — Wave 2

37 implemented, 2 stubbed, 15 out of scope — full matrix + cURLs

Use Cases

17 use cases: deposits, withdrawals, recurring

Retirement Contributions

30 functional use cases: IRA, SEP, SIMPLE, rollovers, conversions, HSA

Functional Journeys

NLZ 10-step pipeline, queue processing

Architecture — OLZ vs NLZ

Repo map, inline rules, Kafka, channel routing

Gaps, Risks & Deliverables

ACHD gap, recurring gap, OLZ dormant code

CAD

Candidate Architecture Design (LPL 2026.2)

SD — Solution Design

C4 diagrams, security, NFRs (LPL SD 2025.07)

SyDD — System Design

APIs, events, DB schema, NFR targets (LPL SyDD 2025.11)

Withdrawal Detail

57 account codes, IRA rules, tax withholding

Known Unknowns

10 unknowns, risk register, investigation plan

AI Use Cases

8 GenAI/ML opportunities on top of NLZ pipeline

AI — Retirement Contrib

10 contribution-specific AI use cases (IRA, 5498, limits)

Key NLZ Differences from OLZ

Area	OLZ (investor-ach-api)	NLZ (cam-movemoney-process-api)
Eligibility & Compliance	FICO external HTTP calls	Inline EligibilityService + ComplianceService
Account Data	Sequential fetches	Parallel 4 concurrent calls
Events	None	Kafka transaction status events
Notifications	Synchronous	Async fire-and-forget BackgroundQueue
Channel Routing	AV only	Multi AV + SCA via OriginId
Queue Processing	Quartz cron job	Native .NET BackgroundService timer