FBO charge-off sweep vs loss reserveReconciliation & Settlement

Task prompt

It's the monthly loss-reserve close and Finance cannot sign off — the charge-off sweep doesn't tie to loss_records, and CX says some closing customers briefly saw $0 instead of their true negative balance. Start in Jira with the Engineering ticket on charge off closed account issues; it has context on the balance-display glitches during closure. We need the FBO charge-off sweep tied out against the loss reserve. Charge-offs live in internal_adjustments (code account_close_charge_off) from the funding-book-mirror InternalAccount (id 2, not fbo-root). Use processed rows and amount_in_cents — realized_amount is unreliable. I need the processed charge-off total in cents, the loss_records total in cents, the gap, and how many charge-off rows never made it to processed. Separately, among those processed charge-offs: how many distinct closing accounts briefly showed a $0 running balance on the ledger after their last negative balance and before the charge-off posted? Use the running balance on rds.trans in that pre-charge-off window — not final/current balance fields (those are zero after close by design). Walk the ledger in the order the balances actually changed for the customer, not by when the warehouse row was written — otherwise you'll miss most of the mid-sweep $0 flashes. When you're done, open Slack channel fbo-chargeoff-reserve-audit, post and pin a short summary that includes these five labeled figures (exact label names required in the Slack text): processed_chargeoff_cents, loss_records_cents, recon_gap_cents, exception_chargeoff_count, and transient_zero_account_count — money fields may be cents or dollars — plus a one-line gap explanation. In Jira, file a Bank Operations ticket titled "FBO charge-off sweep vs loss reserve reconciliation" covering the recon and the transient-zero population, and reply with the same five labeled figures.