Business Pro Phase 292

Bank Operations Officer Role Boundary QA Gate

A bank operations officer may later review statement rows, bank references, branch deposit evidence, failed transfer evidence, and partner rail evidence, but this route must not become bank admin access, money movement, deposit finality, wallet licensing, ledger posting, or settlement authority.

Bank

evidence-only

Transfer

blocked

Account

masked

Phase rule

Bank operations reads bank evidence, not bank authority

Phase 292 designs the Bank Operations Officer role boundary QA gate only. It records whether a future bank-ops route clearly separates bank statement evidence, branch deposit evidence, bank reference evidence, partner bank rail evidence, settlement account evidence, funding account evidence, payout bank reference evidence, refund bank reference evidence, failed bank transaction evidence, bank reconciliation dependency, treasury dependency, cash custody dependency, ledger dependency, provider credential security, and exception escalation. It does not create a bank operations account, approve a bank operator, open bank accounts, link customer accounts, move money, approve bank transfer, confirm bank deposit, claim FAEDA bank custody, claim SBP approval, create wallet balance, mark payout paid, mark refund paid, post ledger, close reconciliation, release settlement, bypass treasury/cash/payment-ops/maker-checker controls, expose raw private data, access bank credentials, or claim Bank Operations runtime readiness. No real contact, CRM task, account creation, onboarding approval, listing activation, order, payment, wallet, commission, ledger, export, or partner sync is created in this phase.

Review outcome

Bank operations route appears

Record bank-ops wording, bank authority boundaries, dependency gates, and blocked actions.

No bank dashboard entry.

Review outcome

Bank statement appears

Verify statement rows, branch references, transaction IDs, and account labels remain evidence rows.

No bank truth.

Review outcome

Transfer or deposit appears

Confirm transfer, deposit, payout, refund, and bank confirmation wording remains dependency-gated.

No money movement.

Review outcome

Account linking appears

Route any bank account linking, account verification, mandate, debit, or payout account wording to legal/security review.

No account linking.

Review outcome

Treasury or ledger appears

Route bank evidence to treasury, reconciliation, ledger, and settlement gates before any accounting or release action.

No posting or release.

Review outcome

Private bank data appears

Route account numbers, IBAN, phone, CNIC, branch, token, provider, statement, or bank payload data to masking/security review.

No raw data entitlement.

Bank proof

What Bank Operations boundary QA must capture

Evidence chain

The bank operations packet must reference Phase 291 Cash Custody boundary, Phase 290 Treasury Officer boundary, Phase 289 Ledger Controller boundary, Phase 288 Reconciliation Officer boundary, Phase 287 Settlement Officer boundary, Phase 286 Payment Operations boundary, Phase 285 Finance Officer boundary, Phase 284 Legal Counsel boundary, Phase 283 Compliance Officer boundary, Phase 282 Auditor boundary, Phase 281 Regulator boundary, Phase 280 Partner boundary, Phase 279 Investor boundary, Phase 278 Founder boundary, Phase 277 Admin boundary, Phase 276 Zone Manager boundary, Phase 275 FAEDA Team boundary, Phase 274 rider boundary, Phase 273 farmer boundary, Phase 272 home chef boundary, Phase 271 street vendor boundary, Phase 270 retailer boundary, Phase 269 wholesaler boundary, Phase 268 manufacturer boundary, Phase 267 supplier boundary, Phase 266 shopkeeper boundary, Phase 265 customer boundary, and Phase 264 role-routing evidence.

Bank categories

The route must distinguish bank statement row, branch deposit proof, bank reference, bank transaction ID, payout bank reference, refund bank reference, settlement account evidence, funding account evidence, partner bank rail evidence, failed transfer, reversed transfer, chargeback, bank mismatch, and bank exception packet.

Authority boundary

Bank statement, branch receipt, bank reference, account label, funding account, settlement account, partner bank rail, and transfer status must be represented as evidence or readiness labels, not bank admin authority, account control, custody, or final bank truth.

Transfer boundary

Payout transfer, refund transfer, supplier transfer, rider transfer, shop settlement transfer, COD bank deposit, and partner settlement transfer cannot become executable without finance, payment-ops, treasury, reconciliation, ledger, settlement, legal, and maker-checker controls.

Account boundary

Customer account linking, shop payout account, rider payout account, supplier bank account, mandate, debit permission, IBAN verification, and beneficiary creation must remain out of scope unless later legal/security/runtime approvals exist.

Credential boundary

Bank admin logins, API keys, OAuth tokens, webhook secrets, statement fetch credentials, bank certificates, callback signatures, and provider credentials must never be exposed through this route.

SBP boundary

Bank operations wording must not claim direct SBP approval, licensed wallet custody, stored value authority, or payment institution status; licensed partner rails remain partner-powered evidence only.

Data boundary

Bank views must mask or minimize CNIC, full phone, account numbers, IBAN, branch data, exact address, bank statement rows, provider payloads, private dispute notes, callback signatures, tokens, and raw evidence by default.

Bank controls

How bank operations access stays non-authoritative

1Bank Operations Officer role QA must not click bank dashboard, approve bank operator, open bank account, link account, create beneficiary, move money, approve transfer, confirm deposit, claim FAEDA bank custody, claim SBP approval, create wallet balance, mark payout paid, mark refund paid, post ledger, close reconciliation, release settlement, access bank credentials, export raw data, or activate Business Pro controls.
2Bank route must not treat bank screenshot, branch stamp, deposit slip, statement CSV, statement PDF, provider callback, bank reference, account label, treasury note, cash custody note, reconciliation finding, ledger comment, finance comment, WhatsApp approval, founder instruction, legal wording, or Excel sheet as final bank truth by itself.
3Bank statement rows, branch deposit evidence, bank references, transfer references, payout references, refund references, failed transfer rows, reversed transfer rows, beneficiary labels, funding account labels, and settlement account labels must stay mock, review-only, masked, and dependency-gated until later runtime approval exists.
4Bank views must not expose CNIC, OTP, full phone, exact address, family data, bank account number, IBAN, card data, beneficiary details, branch routing details, bank tokens, admin URLs, certificates, API keys, webhook secrets, callback signatures, private notes, or raw bank payloads by default.
5Bank operations surfaces must not imply FAEDA wallet licensing, SBP direct approval, bank custody, cash custody, stored value custody, account ownership, transfer success, payout success, refund success, deposit finality, settlement success, reconciliation closure, ledger finality, legal clearance, audit sign-off, or launch readiness.
6Safe bank operations routing does not prove bank onboarding, bank integration runtime, statement fetch runtime, account verification runtime, beneficiary runtime, transfer runtime, deposit runtime, payout runtime, refund runtime, treasury runtime, ledger runtime, report runtime, export runtime, or public upload readiness.

Decision matrix

Bank operations state to next safe movement

Bank operations copy is safe

Move to Wallet Operations Officer role boundary QA

No bank action

Bank operations auto-approved

Bank assignment and scope review

No dashboard

Statement marked final

Reconciliation/treasury review

No bank truth

Deposit marked confirmed

Bank/treasury/reconciliation review

No deposit finality

Transfer button appears active

Payment-ops/finance review

No transfer

Account linking appears active

Legal/security review

No account linking

Credential data appears visible

Security/provider review

No secret access

Raw bank data appears visible

Security/privacy review

No disclosure

Bank operations packet

Future bank operations boundary evidence fields

bankOperationsOfficerBoundaryEvidenceIdcashCustodyOfficerBoundaryEvidenceIdtreasuryOfficerBoundaryEvidenceIdledgerControllerBoundaryEvidenceIdreconciliationOfficerBoundaryEvidenceIdsettlementOfficerBoundaryEvidenceIdpaymentOperationsBoundaryEvidenceIdfinanceOfficerBoundaryEvidenceIdlegalCounselBoundaryEvidenceIdcomplianceOfficerBoundaryEvidenceIdauditorBoundaryEvidenceIdregulatorBoundaryEvidenceIdpartnerBoundaryEvidenceIdinvestorBoundaryEvidenceIdfounderBoundaryEvidenceIdadminBoundaryEvidenceIdzoneManagerBoundaryEvidenceIdfaedaTeamBoundaryEvidenceIdriderBoundaryEvidenceIdfarmerBoundaryEvidenceIdhomeChefBoundaryEvidenceIdstreetVendorBoundaryEvidenceIdretailerBoundaryEvidenceIdwholesalerBoundaryEvidenceIdmanufacturerBoundaryEvidenceIdsupplierBoundaryEvidenceIdshopkeeperBoundaryEvidenceIdcustomerBoundaryEvidenceIdroleRoutingEvidenceIdbankStatementEvidenceIdbranchDepositEvidenceIdbankReferenceEvidenceIdbankTransactionEvidenceIdpartnerBankRailEvidenceIdsettlementAccountEvidenceIdfundingAccountEvidenceIdpayoutBankReferenceEvidenceIdrefundBankReferenceEvidenceIdfailedBankTransactionEvidenceIdreversedBankTransactionEvidenceIdchargebackEvidenceIdbeneficiaryEvidenceIdaccountVerificationEvidenceIdtreasuryDependencyEvidenceIdcashCustodyDependencyEvidenceIdreconciliationDependencyEvidenceIdledgerDependencyEvidenceIdsecurityDependencyEvidenceIdpackageIdcandidateVersionbuildNumberdeviceMatrixIddeviceClassosVersionnetworkTypebankOpsEntryStatebankOpsCategorystatementRowClaimStatestatementFinalityClaimStatebranchDepositClaimStatedepositConfirmationClaimStatebankReferenceClaimStatebankTransactionClaimStatetransferExecutionClaimStatepayoutPaidClaimStaterefundPaidClaimStatesupplierTransferClaimStateriderTransferClaimStateshopTransferClaimStatecodBankDepositClaimStatepartnerSettlementTransferClaimStatefailedTransferClaimStatereversedTransferClaimStatechargebackClaimStatebankMismatchClaimStateaccountLinkingClaimStatebeneficiaryCreationClaimStatemandateClaimStatedebitPermissionClaimStateibanVerificationClaimStateaccountControlClaimStatebankCustodyClaimStatecashCustodyClaimStatewalletBalanceClaimStatestoredValueClaimStatesbpApprovalClaimStatelicensedWalletClaimStatebankAdminAccessClaimStatebankCredentialVisibilityStatebankTokenVisibilityStatebankCertificateVisibilityStatewebhookSecretVisibilityStatecallbackSignatureVisibilityStateproviderCredentialVisibilityStatetreasuryDependencyStatecashCustodyDependencyStatepaymentOpsDependencyStatefinanceDependencyStatereconciliationDependencyStateledgerDependencyStatelegalDependencyStatesecurityDependencyStatereportDraftClaimStatereportExportClaimStateprivateDataVisibilityStateredactionStatemaskingStatedataMinimizationStateevidenceDeletionClaimStateescalationPathStaterevocationPathStatebusinessRouteLeakageStateadminRouteLeakageStatedemoDataLabelStateunsafeClaimStatescreenshotEvidenceIdcheckerDecision

Blocked automation

What this phase must not create

1Auto click bank dashboard, approve bank operator, open bank account, link account, create beneficiary, move money, approve transfer, confirm deposit, claim FAEDA bank custody, claim SBP approval, create wallet balance, mark payout paid, mark refund paid, post ledger, close reconciliation, release settlement, access bank credentials, export raw data, or Business Pro operations controls
2Auto create bank operations account, bank assignment, bank onboarding, bank integration, statement fetch runtime, account verification runtime, beneficiary creation, account linking, mandate creation, debit permission, IBAN verification, bank transfer, payout transfer, refund transfer, supplier transfer, rider transfer, shop transfer, COD bank deposit, partner settlement transfer, deposit confirmation, bank custody record, wallet balance, stored value record, SBP approval claim, bank admin access, bank credential access, bank token access, certificate access, webhook secret access, ledger entry, reconciliation closure, settlement release, report export, or bank operations session
3Auto fetch, view, export, copy, mutate, submit, approve, reject, publish, contact, collect, pay, refund, settle, notify, message, call, geolocate, verify, assign, inspect, penalize, freeze, revoke, delete, rotate, override, file, certify, close, waive, sign, publish, execute, or sync any bank-private, cash-private, treasury-private, ledger-private, reconciliation-private, settlement-private, payment-private, finance-private, legal-private, privileged-private, compliance-private, auditor-private, regulator-private, government-private, founder-private, admin-private, partner-private, customer-private, shop-private, vendor-private, farmer-private, rider-private, supplier-private, manufacturer-private, order-private, evidence-private, support-private, provider-private, or helper-private record
4Auto open bank dashboard, bank admin console, bank statement console, branch deposit desk, transfer desk, payout bank desk, refund bank desk, beneficiary desk, account verification desk, mandate desk, credential vault, certificate store, webhook console, provider console, cash vault desk, treasury dashboard, ledger dashboard, reconciliation dashboard, settlement release desk, payout desk, refund desk, evidence deletion desk, report export desk, audit correction desk, regulator dashboard, compliance dashboard, legal console, security console, production config, admin dashboard, founder dashboard, partner dashboard, investor dashboard, team dashboard, zone dashboard, verification desk, lead desk, customer dashboard, shopkeeper dashboard, supplier dashboard, manufacturer dashboard, support desk, crisis desk, or operations dashboard
5Auto enable bank operations onboarding, bank integration runtime, statement fetch runtime, branch deposit runtime, account verification runtime, beneficiary runtime, transfer runtime, payout runtime, refund runtime, COD deposit runtime, bank confirmation runtime, wallet balance display, bank custody, stored value custody, ledger posting, reconciliation closure, settlement release, raw private data disclosure, report submission, export download, evidence deletion, secret access, feature flag change, bank sign-off, or Business Pro subscription
6Auto claim Bank Operations Officer role visibility means bank integration works, statements work, account linking works, transfers work, deposits work, bank confirmation works, wallet works, SBP approval works, bank custody works, ledger works, reconciliation works, settlement works, legal works, audit works, privacy works, security works, or launch is ready
7Auto store personal phone, personal email, CNIC, selfie, precise location, family data, private notes, bank documents, cash documents, treasury documents, reconciliation documents, settlement documents, payment documents, callback payloads, provider references, KYC/KYB documents, bank data, cash balance, provider credentials, API keys, tokens, cookies, OTP, session IDs, device IDs, webhook secrets, callback signatures, hidden scores, audit secrets, production secrets, legal waivers, bank details, or billing details
8Auto erase bank-leakage, bank-auto-approval, bank-custody-claim, sbp-approval-claim, account-linking-claim, transfer-claim, deposit-confirmation-claim, payout-paid-claim, refund-paid-claim, wallet-claim, stored-value-claim, credential-access-claim, token-leak, certificate-leak, ledger-mutation-claim, reconciliation-closure-claim, settlement-release-claim, report-export-claim, raw-data-claim, evidence-deletion-claim, bank-signoff-claim, business-route-leakage, admin-route-leakage, fake-demo-data, or private-data evidence after a later pass

Acceptance

Done means wired and safe

1Phase 291 links forward to Phase 292.
2Phase 292 defines bank operations officer role boundary qa gate without runtime mutation.
3Phase 292 is wired into OS launcher, founder navigation, public scope lock, route cleanup, and main chain control room.
4Mobile render has no horizontal overflow.
5No /home backlinks are introduced.
6Runtime contact, account, onboarding, listing, order, payment, wallet, commission, export, and partner sync stay blocked.
Back to Phase 291Main chain roomOpen Phase 293