1. Use Cases

17 use cases — 6 implemented in POC, 2 stubbed, 11 out of scope (recurring + future-dated)

Wave 2 coverage: of the 17 use cases below, 6 implemented (UC-W1 from Wave 1 plus UC-D1/D3 and UC-W2/W3 from Wave 2), 2 stubbed (UC-D4/W4 queue processing), and 9 out of scope (UC-RD1–5 and UC-RW1–5 recurring plus UC-D2 future-dated). Recurring and future-dated flows require the cam-mm-backgroundservice-api scheduler — deferred to a later wave. See Implementation Status for the full matrix.

1A — One-Time ACH Deposit (Contribution)

IDActorDescriptionStatus
UC-D1InvestorSubmit a single ACH deposit into a brokerage account from a linked bank account✓ Implemented (Wave 2)
UC-D2InvestorSubmit a deposit with a future execution date (queued for next business day)✗ Out of scope (future-dated)
UC-D3AdvisorSubmit a deposit on behalf of an investor (rep-initiated)✓ Implemented (Wave 2)
UC-D4SystemProcess a queued after-hours deposit the next business morning via background service⚠ Stubbed

1B — One-Time ACH Withdrawal (Distribution)

Gap: AvAchService in NLZ currently only handles ACHC. ACHD routing for AV channel needs to be built. ScaAchService already handles ACHD.
IDActorDescriptionStatus
UC-W1InvestorWithdraw funds from brokerage account to a linked bank account (one-time)✓ Implemented (Wave 1)
UC-W2InvestorWithdraw with a specific transfer reason (e.g. RMD, excess contribution return)✓ Implemented (Wave 2)
UC-W3AdvisorSubmit a withdrawal on behalf of an investor✓ Implemented (Wave 2)
UC-W4SystemCancel a queued withdrawal before execution⚠ Stubbed

1C — Recurring ACH Deposit (Periodic Contribution)

Gap: No periodic instruction handler or scheduler exists in either OLZ or NLZ. CmPeriodicInstruction DB schema exists in OLZ commons but was never wired up. Must be built from scratch in cam-movemoney-process-api + cam-mm-backgroundservice-api.
IDActorDescriptionStatus
UC-RD1InvestorSet up recurring deposit: frequency (W/BW/M/Q/A), start date, end date, fixed amount✗ Out of scope (recurring)
UC-RD2InvestorModify an active recurring deposit (amount or frequency)✗ Out of scope (recurring)
UC-RD3InvestorCancel a recurring deposit before the next scheduled cycle✗ Out of scope (recurring)
UC-RD4SystemAuto-execute recurring deposit on each scheduled cycle date✗ Out of scope (recurring)
UC-RD5SystemSkip cycle if holiday or weekend; execute on the next business day✗ Out of scope (recurring)

1D — Recurring ACH Withdrawal (Periodic Distribution / SWP)

IDActorDescriptionStatus
UC-RW1InvestorSet up recurring withdrawal: fixed amount or variable (e.g. RMD minimum)✗ Out of scope (recurring)
UC-RW2InvestorModify or cancel an active recurring withdrawal✗ Out of scope (recurring)
UC-RW3SystemAuto-execute on each scheduled cycle (FrequencyCode: W/BW/M/Q/A)✗ Out of scope (recurring)
UC-RW4SystemApply federal and state tax withholding on withdrawal if flagged✗ Out of scope (recurring)
UC-RW5SystemSend NIGO notification on failure; log for retry next cycle✗ Out of scope (recurring)