Our loan autopay platform gets about 400 ACH returns a day: 60% are insufficient funds, 30% are account closed or no account found, and 10% are customers saying the debit was unauthorized. Right now operations handles every one manually, investigating, contacting the customer and deciding whether to re-debit, at 15 minutes each. Design the target process. How would you route them, and how much effort do you save?

贷款自动扣款每天大约有 400 笔 ACH 退回：60% 是余额不足，30% 是账户已关闭或账户不存在，10% 是客户说没授权。现在每一笔都由运营人工查原因、联系客户、决定要不要重新扣款，每笔 15 分钟。让你设计目标流程，你会怎么分流？能省多少人力？