Financial Red Flag Detector

import requests, json, pandas as pd

API_FINANCE = "https://api.finance.local/v1/transactions"

def fetch_financial_data():
    resp = requests.get(API_FINANCE)
    return resp.json().get("transactions", [])

def detect_red_flags(transactions):
    flags = []
    for t in transactions:
        if t["amount"] > t.get("threshold", 5000):
            flags.append({"type": t["type"], "value": t["amount"], "threshold": t["threshold"], "severity": "High", "action": "Investigate"})
        elif t.get("ratio") and t["ratio"] < 1.5:
            flags.append({"type": "Ratio Alert", "value": t["ratio"], "threshold": "<1.5", "severity": "Low", "action": "Monitor"})
    return flags

report = detect_red_flags(fetch_financial_data())
print(json.dumps(report))