Ach Volume Estimator

Estimate Dwolla's end-of-month ACH transaction volume from daily KPI emails. Use when processing ACH KPI emails, when Dave asks about monthly volume projections, or when the daily ACH cron needs a monthly estimate. Extracts transactions and business days from email data, calculates per-BD rate, and projects monthly total using US Federal Reserve bank holiday calendar.

ACH Monthly Volume Estimator

Workflow

1. Fetch the ACH KPI email:

   bash

   gog gmail messages search "subject:ACH KPIs" --account [e-mail] --max 1 --json
   

2. Download the PDF attachment (contains all charts and data):

   bash

   # Get message details with attachment IDs
   gog gmail get <MESSAGE_ID> --account [e-mail] --json
   # Find the attachment named "ACH KPIs.pdf" (mimeType: application/pdf)
   # Download it:
   gog gmail attachment <MESSAGE_ID> <ATTACHMENT_ID> --account [e-mail] --out ~/clawd/work/ach-kpis-latest.pdf
   

3. Extract data from the PDF. The PDF contains Tableau dashboard exports with:

   • ACH Transactions chart: MoM bar chart with monthly totals, per-BD averages, 5/20/60-day comparisons
   • Client Growth charts (10K and 5K thresholds)
   • Top 60 Clients tables (60-day and 20-day comparisons)

   Key numbers to extract:

   • Current month transaction total (partial, from MoM bar chart)
   • Business days elapsed (derive from date range in "Prev. 20 Days" row or count from month start to report date)
   • YTD avg transactions per business day
   • SPLY monthly total for comparison

4. Run the estimator:

   bash

   python3 ~/clawd/skills/ach-volume-estimator/scripts/estimate.py \
     --transactions <MTD_TOTAL> --bds-elapsed <BDS_SO_FAR> [--month YYYY-MM]
   

   Or if you already have per-BD rate:

   bash

   python3 ~/clawd/skills/ach-volume-estimator/scripts/estimate.py \
     --per-bd <RATE> [--month YYYY-MM]
   

   Add --json for structured output.

5. Compare to benchmarks:

   • Jan 2026 actual: 6.12M (20 BDs, 305K/BD)
   • Dec 2025 actual: 6.41M (22 BDs, 291K/BD)
   • SPLY from the PDF MoM chart

6. Generate the visual dashboard:

   bash

   ~/clawd/scripts/ach-dashboard-gen
   

   This reads ~/clawd/work/ach-reports/latest-ach-data.json (or falls back to the latest markdown report) and writes ~/clawd/work/ach-reports/dashboard.html. View at: http://192.168.1.60:3013/html/work/ach-reports/dashboard.html TV mode: http://192.168.1.60:3013/html/work/ach-reports/dashboard.html?tv=1

7. Deliver: Include estimate in the ACH KPI summary sent to Dave. Include the dashboard URL.

Output Format

One-liner: 2026-02 estimate: 5.81M txns | (19 BDs, 12 elapsed, 7 remaining) | 306,000/BD | (3,672,000 so far)

Business Day Calendar

Script uses US Federal Reserve bank holiday calendar (2025-2027 hardcoded). Excludes weekends and all Fed holidays (New Year's, MLK, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, Christmas).

Integration

Wire into the existing "Daily ACH KPIs summary to Dave" cron (9:30 AM ET weekdays). After extracting email data, run the estimator and append the monthly projection to Dave's summary.