CAP-049 — Salary redirect wizard

Category	Onboarding & access
Business goal	Not yet linked to a business goal
Satisfying module	MOD-061 Open Banking API gateway & CDR adapter
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

A guided in-app workflow that generates a pre-filled letter or email for the customer to send to their employer to redirect salary payments to the new account. The wizard detects the customer's employer from payroll transaction history, pre-fills their BSB/account number, and produces a ready-to-send communication. The customer's incoming salary typically transfers within 1–2 pay cycles.