feat(infra): migrate payments-dashboard to HCP Terraform (PLAT-79)

Replace the mgmt SAM stack with a prod-only HCP workspace using the afterhours stub-plus-zip-CD seam so GitHub Actions owns function code and Terraform owns infrastructure.
2026-09-30 07:43:12 +00:00 · 2026-09-16 13:41:47 -04:00 · 2026-09-16 13:41:47 -04:00 · 6f32f3bfcd
commit 6f32f3bfcd
parent 219ea1001a
34 changed files with 2961 additions and 975 deletions
--- a/.github/workflows/ci.yaml
+++ b/.github/workflows/ci.yaml
@ -1,4 +1,5 @@
 name: CI
+
 on:
  pull_request:
    branches: [main]
@ -8,10 +9,79 @@ permissions:
  contents: read

 jobs:
+  test:
+    name: Test
+    runs-on: ubuntu-latest
+    timeout-minutes: 15
+    steps:
+      - uses: actions/checkout@3d3c42e5aac5ba805825da76410c181273ba90b1 # v7.0.1
+        with:
+          persist-credentials: false
+
+      - uses: actions/setup-node@820762786026740c76f36085b0efc47a31fe5020 # v7.0.0
+        with:
+          node-version: "24"
+          cache: npm
+
+      - name: Install
+        run: npm ci
+
+      - name: Test
+        run: npm test
+
+  terraform:
+    name: Terraform
+    runs-on: ubuntu-latest
+    timeout-minutes: 15
+    defaults:
+      run:
+        working-directory: terraform
+    steps:
+      - uses: actions/checkout@3d3c42e5aac5ba805825da76410c181273ba90b1 # v7.0.1
+        with:
+          persist-credentials: false
+
+      - uses: hashicorp/setup-terraform@dfe3c3f87815947d99a8997f908cb6525fc44e9e # v4.0.1
+        with:
+          terraform_version: "1.16.0"
+          terraform_wrapper: false
+
+      - name: Terraform fmt
+        run: terraform fmt -check -recursive
+
+      - name: Terraform init
+        run: terraform init -backend=false
+
+      - name: Terraform validate
+        run: terraform validate
+
  ci:
-    uses: Sea-Haven-Industries/.github/.github/workflows/ci-typescript-cdk.yaml@9781774f04b824b1182ff41638687f1c01c04361 # v1.0.11
-    with:
-      run-typecheck: false
-      run-tests: true
-      run-cdk-synth: false
-      run-sam-validate: true
+    name: ci / ci
+    needs: [test, terraform]
+    if: ${{ always() && !cancelled() }}
+    runs-on: ubuntu-latest
+    timeout-minutes: 5
+    steps:
+      - name: Check jobs
+        env:
+          TEST_RESULT: ${{ needs.test.result }}
+          TERRAFORM_RESULT: ${{ needs.terraform.result }}
+        run: |
+          set -euo pipefail
+          fail=0
+          check() {
+            local name="$1"
+            local result="$2"
+            case "${result}" in
+              success)
+                echo "${name}: ${result}"
+                ;;
+              *)
+                echo "${name}: ${result}" >&2
+                fail=1
+                ;;
+            esac
+          }
+          check test "${TEST_RESULT}"
+          check terraform "${TERRAFORM_RESULT}"
+          exit "${fail}"
--- a/.github/workflows/deploy.yaml
+++ b/.github/workflows/deploy.yaml
@ -1,21 +1,143 @@
 name: Deploy
+
+# Terraform owns Lambda skeletons. This workflow ships zips to prod and calls
+# update-function-code. It never creates an HCP run. No GitHub Releases and no
+# tagging in this workflow.
+
 on:
  push:
    branches: [main]
+    paths-ignore:
+      - "terraform/**"
+      - "docs/**"
+      - "README.md"
+      - "SETUP.md"
+      - "AGENTS.md"
+  workflow_dispatch:
+    inputs:
+      ref:
+        description: "Git ref to build and deploy (tag, branch, or SHA). Empty means the workflow ref."
+        required: false
+        type: string
+        default: ""

 permissions:
-  id-token: write
  contents: read

-concurrency:
-  group: deploy
-  cancel-in-progress: false
-
 jobs:
  deploy:
-    uses: Sea-Haven-Industries/.github/.github/workflows/cd-sam.yaml@9781774f04b824b1182ff41638687f1c01c04361 # v1.0.11
-    with:
-      stack-name: payments-dashboard
-      cfn-role-arn: arn:aws:iam::328440206208:role/github-cfn-execution-role
-    secrets:
-      deploy-role-arn: ${{ secrets.AWS_DEPLOY_ROLE_ARN }}
+    name: Deploy to prod
+    runs-on: ubuntu-latest
+    timeout-minutes: 30
+    environment: prod
+    concurrency:
+      group: deploy-payments-dashboard-prod
+      cancel-in-progress: false
+    permissions:
+      contents: read
+      id-token: write
+    env:
+      AWS_REGION: us-east-1
+      DEPLOY_ROLE_ARN: ${{ vars.DEPLOY_ROLE_ARN }}
+    steps:
+      - uses: actions/checkout@3d3c42e5aac5ba805825da76410c181273ba90b1 # v7.0.1
+        with:
+          ref: ${{ github.event_name == 'workflow_dispatch' && inputs.ref || github.sha }}
+          persist-credentials: false
+
+      - name: Resolve commit
+        id: commit
+        run: |
+          set -euo pipefail
+          sha="$(git rev-parse HEAD)"
+          echo "sha=${sha}" >> "$GITHUB_OUTPUT"
+          echo "Building ${sha}"
+
+      - uses: actions/setup-node@820762786026740c76f36085b0efc47a31fe5020 # v7.0.0
+        with:
+          node-version: "24"
+          cache: npm
+
+      - name: Build function zips
+        env:
+          GIT_SHA: ${{ steps.commit.outputs.sha }}
+        run: |
+          set -euo pipefail
+          node scripts/package_lambdas.mjs --git-sha "${GIT_SHA}" --out-dir build/packages
+          python3 - <<'PY'
+          import os, zipfile
+          from pathlib import Path
+          sha = os.environ["GIT_SHA"]
+          names = [
+              "process_csv",
+              "slack_app_home",
+              "fetch_boa",
+              "expense_receiver",
+              "expense_processor",
+          ]
+          for name in names:
+              path = Path("build/packages") / f"{name}.zip"
+              if not path.is_file():
+                  raise SystemExit(f"missing {path}")
+              with zipfile.ZipFile(path) as zf:
+                  info = zf.read("src/buildInfo.js").decode()
+                  if sha not in info:
+                      raise SystemExit(f"{path} missing GIT_SHA {sha}")
+                  if "src/processPaymentCsv.js" not in zf.namelist():
+                      raise SystemExit(f"{path} missing src/")
+          print("zips ok")
+          PY
+
+      - name: Configure AWS credentials using OIDC
+        uses: aws-actions/configure-aws-credentials@cbe3b392738ccf3f987d68400dafcf4b0624a56c # v6.2.4
+        with:
+          role-to-assume: ${{ env.DEPLOY_ROLE_ARN }}
+          aws-region: us-east-1
+          audience: sts.amazonaws.com
+
+      - name: Get deploy parameters
+        id: deploy
+        run: |
+          set -euo pipefail
+          prefix=/payments-dashboard/deploy
+          ARTIFACTS_BUCKET=$(aws ssm get-parameter --name "${prefix}/artifacts-bucket" --query Parameter.Value --output text)
+          {
+            echo "artifacts_bucket=${ARTIFACTS_BUCKET}"
+            echo "process_csv=$(aws ssm get-parameter --name "${prefix}/process_csv-function-name" --query Parameter.Value --output text)"
+            echo "slack_app_home=$(aws ssm get-parameter --name "${prefix}/slack_app_home-function-name" --query Parameter.Value --output text)"
+            echo "fetch_boa=$(aws ssm get-parameter --name "${prefix}/fetch_boa-function-name" --query Parameter.Value --output text)"
+            echo "expense_receiver=$(aws ssm get-parameter --name "${prefix}/expense_receiver-function-name" --query Parameter.Value --output text)"
+            echo "expense_processor=$(aws ssm get-parameter --name "${prefix}/expense_processor-function-name" --query Parameter.Value --output text)"
+          } >> "${GITHUB_OUTPUT}"
+
+      - name: Upload zips and update function code
+        env:
+          ARTIFACTS_BUCKET: ${{ steps.deploy.outputs.artifacts_bucket }}
+          GIT_SHA: ${{ steps.commit.outputs.sha }}
+          PROCESS_CSV: ${{ steps.deploy.outputs.process_csv }}
+          SLACK_APP_HOME: ${{ steps.deploy.outputs.slack_app_home }}
+          FETCH_BOA: ${{ steps.deploy.outputs.fetch_boa }}
+          EXPENSE_RECEIVER: ${{ steps.deploy.outputs.expense_receiver }}
+          EXPENSE_PROCESSOR: ${{ steps.deploy.outputs.expense_processor }}
+        run: |
+          set -euo pipefail
+          keys=(
+            process_csv:"${PROCESS_CSV}"
+            slack_app_home:"${SLACK_APP_HOME}"
+            fetch_boa:"${FETCH_BOA}"
+            expense_receiver:"${EXPENSE_RECEIVER}"
+            expense_processor:"${EXPENSE_PROCESSOR}"
+          )
+          for pair in "${keys[@]}"; do
+            name="${pair%%:*}"
+            fn="${pair#*:}"
+            key="functions/${name}/${GIT_SHA}.zip"
+            aws s3 cp "build/packages/${name}.zip" "s3://${ARTIFACTS_BUCKET}/${key}"
+            aws lambda update-function-code \
+              --function-name "${fn}" \
+              --s3-bucket "${ARTIFACTS_BUCKET}" \
+              --s3-key "${key}" \
+              --query '{Function:FunctionName,Sha256:CodeSha256,Updated:LastModified}' \
+              --output table
+            aws lambda wait function-updated-v2 --function-name "${fn}"
+          done
--- a/.gitignore
+++ b/.gitignore
@ -2,6 +2,9 @@ node_modules/
 .aws-sam/
 samconfig.toml
 data/
+build/
+terraform/.terraform/
+terraform/build/
 .DS_Store
 BofA API Resources/
 *.csv
--- a/README.md
+++ b/README.md
@ -1,22 +1,22 @@
 # Payments Dashboard

 ![JavaScript](https://img.shields.io/badge/JavaScript-F7DF1E?logo=javascript&logoColor=black)
-![AWS SAM](https://img.shields.io/badge/AWS-SAM-FF9900?logo=amazonaws&logoColor=white)
+![AWS](https://img.shields.io/badge/AWS-HCP%20Terraform-FF9900?logo=amazonaws&logoColor=white)
 ![Slack](https://img.shields.io/badge/Slack-integration-4A154B?logo=slack&logoColor=white)
 ![CI](https://github.com/Sea-Haven-Industries/payments-dashboard/actions/workflows/ci.yaml/badge.svg)

-AWS SAM application that ingests payment CSVs, syncs check data with Bank of America CashPro APIs, surfaces an outstanding-payments dashboard in Slack, and routes expense approvals through a Slack reaction-driven workflow.
+HCP Terraform application that ingests payment CSVs, syncs check data with Bank of America CashPro APIs, surfaces an outstanding-payments dashboard in Slack, and routes expense approvals through a Slack reaction-driven workflow. Prod workspace: `payments-dashboard-prod` (trigger prefix `terraform/**`). Zip CD is GitHub Actions Environment `prod`.

 ## Architecture

 - **ProcessPaymentCsv** — Lambda triggered by S3 CSV upload. Parses Stampli payment exports, upserts to DynamoDB, and submits new/cancelled checks to the CashPro Check Management API.
- **FetchBoaTransactions** — Scheduled Lambda. Weekdays 9am ET it calls the CashPro **previous-day** Transaction Inquiry (authoritative sweep, trailing 7 days); weekdays at 16:00/19:00/22:00 UTC (~12/3/6pm ET, fixed-UTC so it drifts an hour in winter) it calls the **current-day** inquiry for same-day visibility (EventBridge `Input: {"endpoint":"current-day"}`, today-only, staleness sweep skipped). Every run archives the exact raw response to the `seahaven-payments-boa-raw-*` bucket (`raw/<endpoint>/<fromDate>_<toDate>/<runAt>.json`, SSE-S3, 730-day lifecycle, PutObject-only grant; Retain-protected — decommission goes through the CFN decommission runbook) and upserts per-date `boa_balance#<asOfDate>#<endpoint>` snapshots (latest-wins on `run_at`, no TTL) from the Summary rows. Classifies each transaction and reconciles onto DynamoDB payment records. Event payload: `{fromDate?, toDate?, endpoint?}` (endpoint allowlisted and validated; unknown fields ignored). Intraday runs are disable-able as a unit via the `IntradaySchedule` rule. See [Bank reconciliation](#bank-reconciliation-fetchboatransactions).
+- **FetchBoaTransactions** — Scheduled Lambda. Weekdays 9am ET it calls the CashPro **previous-day** Transaction Inquiry (authoritative sweep, trailing 7 days); weekdays at 16:00/19:00/22:00 UTC (~12/3/6pm ET, fixed-UTC so it drifts an hour in winter) it calls the **current-day** inquiry for same-day visibility (EventBridge `Input: {"endpoint":"current-day"}`, today-only, staleness sweep skipped). Every run archives the exact raw response to the `seahaven-payments-boa-raw-*` bucket (`raw/<endpoint>/<fromDate>_<toDate>/<runAt>.json`, SSE-S3, 730-day lifecycle, PutObject-only grant; Retain-protected in Terraform) and upserts per-date `boa_balance#<asOfDate>#<endpoint>` snapshots (latest-wins on `run_at`, no TTL) from the Summary rows. Classifies each transaction and reconciles onto DynamoDB payment records. Event payload: `{fromDate?, toDate?, endpoint?}` (endpoint allowlisted and validated; unknown fields ignored). Intraday runs are disable-able as a unit via the `IntradaySchedule` rule. See [Bank reconciliation](#bank-reconciliation-fetchboatransactions).
 - **SlackAppHome** — Lambda behind API Gateway (`POST /slack/events`). Verifies the Slack signing secret (HMAC-SHA256, 5-minute replay window) before processing, then renders the payments dashboard on the Slack App Home tab with outstanding aging buckets, drill-down modals, and an always-visible "Returned — Needs Action" queue (bank-returned payments awaiting a reissue/void decision, sorted oldest return first). Returned records are excluded from Outstanding totals; terminal voided-and-bounced records appear in neither (audit trail only).

 - **ExpenseReceiver** — Lambda behind API Gateway (`POST /slack/expense-events`). Verifies the Slack signing secret (HMAC-SHA256), handles URL verification challenges, and async-invokes ExpenseProcessor. Runs outside VPC.
 - **ExpenseProcessor** — Async Lambda invoked by ExpenseReceiver. Processes `:white_check_mark:` reactions to advance expense messages through a four-stage Slack channel pipeline: Submitted → Processed → Authorized → Matched. Runs outside VPC.

-ProcessPaymentCsv, FetchBoaTransactions, and SlackAppHome run inside a VPC with a NAT Gateway for a static outbound IP (required by BoA IP whitelisting). ExpenseReceiver, and ExpenseProcessor run outside the VPC.
+ProcessPaymentCsv, FetchBoaTransactions, and SlackAppHome run inside a VPC with a NAT Gateway for a static outbound IP (required by BoA IP whitelisting). ExpenseReceiver and ExpenseProcessor run outside the VPC.

 ## Expense Approval Bot

@ -119,19 +119,21 @@ All BoA and Slack credentials are stored in AWS Secrets Manager (per `engineerin

 The `PaymentsDashboard` DynamoDB table (`AWS::DynamoDB::Table`, `TableName: PaymentsDashboard`, PK `pk` (S), CMK-encrypted) is **owned by this stack**, which is the sole authoritative writer.

-**Consumer (read-only):** `seahaven-slack-bot` imports this table via `Table.fromTableName(...)` and reads it read-only (`grantReadData` plus an explicit `kms:Decrypt` grant on the shared CMK) from its `wo-po-lookup` Lambda, which backs the Bedrock agent's payment-lookup action group. The bot depends on:
+**Former consumer:** `seahaven-slack-bot` (decommissioned 2026-07-23) imported this table by name. No live consumer remains. The table stays owned by this stack.
+
+The decommissioned bot depended on:

 - **Key schema:** PK `pk` (S) with the item format `payment#<check_number>`. It does `GetItem` by `pk` and a full-table `Scan` filtered `begins_with(pk, "payment#")`.
 - **Attributes:** `check_number`, `payee`, `amount_usd`, `method`, `status`, `send_payment_on`, `clear_status`, `cleared_date`, `invoice_numbers`, `company_subsidiary`, `bank_reference`.
 - **Encryption:** the shared customer-managed CMK (`/seahaven/dynamodb/cmk-arn`). Because the consumer imports the table by name, `grantReadData` does not carry KMS access; a change of CMK requires re-granting on the consumer side or every read fails with `kms:Decrypt AccessDenied` (INFRA-95 / M-3 precedent).

-The table is imported by name, so there is no compile-time link between the stacks: any change to the table name, `pk` format, these attribute names, the encryption key, or the table's lifecycle policy will silently break the Bedrock agent at runtime. Coordinate such changes with `seahaven-slack-bot` before shipping (INFRA-138).
+No live stack imports this table. Keep the `pk` format and `payment#` prefix stable for Slack App Home and bank reconciliation.

 **Key prefixes in this table** (all owned by this stack): `payment#<check_number>` (payment records), `metadata` (ingest metadata), `boa_txn#<ts>#<action>` (BoA submission journal, 90d TTL), `boa_recon#<from>_<to>#<runAt>` (reconciliation run summaries, 90d TTL), `boa_balance#<asOfDate>#<endpoint>` (daily balance snapshots, latest-wins, no TTL). New prefixes are invisible to `seahaven-slack-bot`'s `begins_with(pk, "payment#")` scan — no consumer coordination needed when adding one.

 ## Monitoring & Alarms

-All CloudWatch alarms publish to the shared `site-alerts` SNS topic (`arn:aws:sns:us-east-1:328440206208:site-alerts`). Alarms are ALARM-only by convention (no OK/recovery action) and treat missing data as `notBreaching`. Each alarm evaluates a single 5-minute period.
+All CloudWatch alarms publish to the shared `site-alerts` SNS topic (`arn:aws:sns:us-east-1:011934824531:site-alerts` in seahaven-prod). Alarms are ALARM-only by convention (no OK/recovery action) and treat missing data as `notBreaching`. Each alarm evaluates a single 5-minute period.

 **SQS dead-letter queues** (messages-present, Maximum > 0):

@ -163,9 +165,6 @@ Duration thresholds (ms): processPaymentCsv 96000, fetchBoaTransactions 48000, s

 ## Deployment

-```bash
-sam build
-sam deploy --guided
-```
+See [SETUP.md](SETUP.md). Terraform owns infrastructure in workspace `payments-dashboard-prod`. GitHub Actions Environment `prod` ships function zips via `update-function-code`. Do not run `sam deploy`.

-The `BOA_BASE_URL` environment variable in `template.yaml` controls whether Lambdas hit production (`https://api.bofa.com`) or sandbox (`https://api-sb.bofa.com`). All other BoA config is read from Secrets Manager at runtime.
+The `boa_base_url` Terraform variable controls whether Lambdas hit production (`https://api.bofa.com`) or sandbox (`https://api-sb.bofa.com`). All other BoA config is read from Secrets Manager at runtime.
--- a/SETUP.md
+++ b/SETUP.md
@ -0,0 +1,74 @@
+# Payments Dashboard — Setup Guide
+
+Prod only. Workspace `payments-dashboard-prod` in project `seahaven-prod`
+(account `011934824531`). No seahaven-dev workspace.
+
+## 1. Secrets
+
+Six Secrets Manager names already exist in seahaven-prod (copied from mgmt
+with trailing newlines stripped). Terraform reads them by name; values stay
+out of state.
+
+| Name | Used by |
+|------|---------|
+| `payments-dashboard/slack-bot-token` | slackAppHome |
+| `payments-dashboard/slack-signing-secret` | slackAppHome |
+| `payments-dashboard/boa-check-mgmt` | processPaymentCsv |
+| `payments-dashboard/boa-reporting` | fetchBoaTransactions |
+| `payments-dashboard/expense-slack-token` | expenseProcessor |
+| `payments-dashboard/expense-slack-signing-secret` | expenseReceiver |
+
+## 2. HCP Terraform and GitHub Environment
+
+First apply uses the hcptf-bootstrap window (exact `StringEquals` trust, never
+`StringLike`):
+
+1. Create the HCP workspace. Auto-apply off. No project-level variable set.
+   Working directory `terraform`. File trigger prefix `terraform/**` only.
+   Speculative plans on. VCS on `main`.
+2. From `seahaven-org-baseline`:
+   `scripts/create-hcptf-bootstrap-roles.sh --account prod --allow-workspace payments-dashboard-prod`
+3. Point workspace `TFC_AWS_APPLY_ROLE_ARN` / `TFC_AWS_PLAN_ROLE_ARN` at
+   `hcptf-bootstrap` / `hcptf-bootstrap-plan`. Set `TFC_AWS_PROVIDER_AUTH=true`.
+4. One manual apply with `schedules_enabled=false`. This creates the scoped
+   `hcptf-*` roles, the Lambda boundary, VPC/NAT, and the rest of the stack.
+5. Retarget `TFC_AWS_*` to `hcptf-payments-dashboard` /
+   `hcptf-payments-dashboard-plan`. Re-run the create script with no
+   `--allow-workspace`.
+6. Second manual apply as the scoped role. Then seal auto-apply on after
+   live-path proof.
+
+GitHub Environment `prod`: reviewers, branch policy `main` only, Environment
+variable `DEPLOY_ROLE_ARN` = Terraform output `github_deploy_role_arn`.
+
+Function zips: Actions → Deploy on push to `main`, or `workflow_dispatch`.
+Keep `schedules_enabled=false` until Slack Request URLs and the Stampli
+uploader point at this stack.
+
+HCP outputs to copy: `slack_request_url`, `expense_slack_events_url`,
+`csv_bucket_name`, `static_outbound_ip`, `github_deploy_role_arn`.
+
+## 3. Bank of America IP whitelist
+
+Submit `static_outbound_ip` to CashPro before any real Check Management or
+Reporting call. The NAT EIP is new in seahaven-prod; mgmt `52.86.95.107` stays
+until cutover.
+
+## 4. Prod cutover (PLAT-79)
+
+Avoid weekday 9am ET and the 16:00/19:00/22:00 UTC intraday slots.
+
+1. Merge this repo's PR (SAM CD is gone). First HCP apply is the bootstrap
+   window above with `schedules_enabled=false`.
+2. Copy DynamoDB `PaymentsDashboard` mgmt → prod. Verify item counts for
+   `payment#`, `boa_recon#`, and `boa_balance#`. Do not copy
+   `seahaven-payments-boa-raw-*`.
+3. GHA `workflow_dispatch` (or the merge deploy; re-run if it raced apply) to
+   overwrite stubs.
+4. Instant cut: Slack App Home and Expense bot Request URLs → prod;
+   Stampli uploader bucket → `seahaven-payments-csv-011934824531`;
+   `schedules_enabled=true` via a terraform-only merge; disable mgmt
+   EventBridge.
+5. After soak, delete mgmt stack `payments-dashboard`. Expect VPC ENI drain.
+   Leave mgmt raw bucket as Retain cold archive. Sweep mgmt secrets last.
+   Leave orphan `githubdeploy-payments-dashboard`.
--- a/samconfig.toml.example
+++ b/samconfig.toml.example
@ -1,10 +0,0 @@
-# Copy this file to samconfig.toml (gitignored) and adjust as needed for local deploys.
-# CI/CD deploys via the reusable cd-sam.yaml workflow and does not use this file.
-version = 0.1
-
-[default.deploy.parameters]
-stack_name = "payments-dashboard"
-region = "us-east-1"
-resolve_s3 = true
-capabilities = "CAPABILITY_IAM"
-confirm_changeset = true
--- a/scripts/package_lambdas.mjs
+++ b/scripts/package_lambdas.mjs
@ -0,0 +1,92 @@
+#!/usr/bin/env node
+/**
+ * Build one Node zip per Lambda key. Used by deploy.yaml.
+ * Each zip is functions/<name>/<sha>.zip on S3. GIT_SHA is written to
+ * src/buildInfo.js inside the zip so a deploy is identifiable without a
+ * Terraform-owned env var.
+ */
+import { spawn, spawnSync } from "node:child_process";
+import { cpSync, existsSync, mkdirSync, mkdtempSync, rmSync, writeFileSync } from "node:fs";
+import { tmpdir } from "node:os";
+import { join } from "node:path";
+import { fileURLToPath } from "node:url";
+
+const ROOT = fileURLToPath(new URL("..", import.meta.url));
+
+const FUNCTIONS = [
+  "process_csv",
+  "slack_app_home",
+  "fetch_boa",
+  "expense_receiver",
+  "expense_processor",
+];
+
+function parseArgs(argv) {
+  const out = { gitSha: "", outDir: join(ROOT, "build", "packages"), only: [] };
+  for (let i = 0; i < argv.length; i += 1) {
+    const arg = argv[i];
+    if (arg === "--git-sha") {
+      out.gitSha = argv[++i];
+    } else if (arg === "--out-dir") {
+      out.outDir = argv[++i];
+    } else if (arg === "--only") {
+      out.only.push(argv[++i]);
+    } else {
+      throw new Error(`unknown argument: ${arg}`);
+    }
+  }
+  if (!out.gitSha) {
+    throw new Error("--git-sha is required");
+  }
+  return out;
+}
+
+function zipDir(srcDir, zipPath) {
+  return new Promise((resolve, reject) => {
+    const child = spawn("zip", ["-qr", zipPath, "."], { cwd: srcDir, stdio: "inherit" });
+    child.on("exit", (code) => {
+      if (code === 0) resolve();
+      else reject(new Error(`zip exited ${code}`));
+    });
+  });
+}
+
+async function build(name, gitSha, outDir) {
+  const dest = mkdtempSync(join(tmpdir(), `payments-${name}-`));
+  try {
+    cpSync(join(ROOT, "src"), join(dest, "src"), { recursive: true });
+    cpSync(join(ROOT, "package.json"), join(dest, "package.json"));
+    if (existsSync(join(ROOT, "package-lock.json"))) {
+      cpSync(join(ROOT, "package-lock.json"), join(dest, "package-lock.json"));
+    }
+    writeFileSync(
+      join(dest, "src", "buildInfo.js"),
+      `export const GIT_SHA = ${JSON.stringify(gitSha)};\n`,
+      "utf8",
+    );
+    const npm = spawnSync("npm", ["ci", "--omit=dev"], { cwd: dest, stdio: "inherit" });
+    if (npm.status !== 0) {
+      throw new Error("npm ci --omit=dev failed");
+    }
+    mkdirSync(outDir, { recursive: true });
+    const zipPath = join(outDir, `${name}.zip`);
+    rmSync(zipPath, { force: true });
+    await zipDir(dest, zipPath);
+    return zipPath;
+  } finally {
+    rmSync(dest, { recursive: true, force: true });
+  }
+}
+
+const args = parseArgs(process.argv.slice(2));
+const selected = args.only.length ? args.only : FUNCTIONS;
+const unknown = selected.filter((name) => !FUNCTIONS.includes(name));
+if (unknown.length) {
+  console.error(`unknown function keys: ${unknown.join(", ")}`);
+  process.exit(2);
+}
+
+for (const name of selected) {
+  const path = await build(name, args.gitSha, args.outDir);
+  console.log(path);
+}
--- a/template.yaml
+++ b/template.yaml
@ -1,936 +0,0 @@
-AWSTemplateFormatVersion: '2010-09-09'
-Transform: AWS::Serverless-2016-10-31
-Description: Payments Dashboard - S3 CSV ingestion to Slack App Home
-
-Parameters:
-  DynamoDbCmkArn:
-    Type: AWS::SSM::Parameter::Value<String>
-    Default: /seahaven/dynamodb/cmk-arn
-    Description: >-
-      ARN of the shared customer-managed CMK (alias/seahaven-dynamodb) that
-      encrypts the PaymentsDashboard table. Functions that read/write the table
-      need kms:Decrypt/GenerateDataKey/DescribeKey on this key (the boundary
-      permits exactly these), or DynamoDB calls fail with AccessDeniedException.
-
-Globals:
-  Function:
-    Runtime: nodejs24.x
-    Architectures:
-      - arm64
-    Timeout: 30
-    MemorySize: 256
-    PermissionsBoundary: arn:aws:iam::328440206208:policy/seahaven-lambda-execution-boundary
-    Environment:
-      Variables:
-        TABLE_NAME: !Ref DashboardTable
-  # Access logging + default throttling on the implicit HTTP API (audit M-18).
-  HttpApi:
-    AccessLogSettings:
-      DestinationArn: !GetAtt ApiAccessLogGroup.Arn
-      Format: '{"requestId":"$context.requestId","ip":"$context.identity.sourceIp","requestTime":"$context.requestTime","method":"$context.httpMethod","routeKey":"$context.routeKey","status":"$context.status","protocol":"$context.protocol","responseLength":"$context.responseLength","integrationError":"$context.integrationErrorMessage"}'
-    DefaultRouteSettings:
-      ThrottlingBurstLimit: 50
-      ThrottlingRateLimit: 100
-
-Resources:
-  ApiAccessLogGroup:
-    Type: AWS::Logs::LogGroup
-    Properties:
-      LogGroupName: /aws/apigateway/payments-dashboard
-      RetentionInDays: 90
-
-  # VPC with private subnet + NAT Gateway for static outbound IP
-  Vpc:
-    Type: AWS::EC2::VPC
-    Properties:
-      CidrBlock: 10.20.0.0/16
-      EnableDnsSupport: true
-      EnableDnsHostnames: true
-      Tags:
-        - Key: Name
-          Value: payments-dashboard-vpc
-
-  PrivateSubnet:
-    Type: AWS::EC2::Subnet
-    Properties:
-      VpcId: !Ref Vpc
-      CidrBlock: 10.20.1.0/24
-      AvailabilityZone: !Select [0, !GetAZs ""]
-      Tags:
-        - Key: Name
-          Value: payments-dashboard-private
-
-  PublicSubnet:
-    Type: AWS::EC2::Subnet
-    Properties:
-      VpcId: !Ref Vpc
-      CidrBlock: 10.20.2.0/24
-      AvailabilityZone: !Select [0, !GetAZs ""]
-      Tags:
-        - Key: Name
-          Value: payments-dashboard-public
-
-  InternetGateway:
-    Type: AWS::EC2::InternetGateway
-
-  VpcGatewayAttachment:
-    Type: AWS::EC2::VPCGatewayAttachment
-    Properties:
-      VpcId: !Ref Vpc
-      InternetGatewayId: !Ref InternetGateway
-
-  NatEip:
-    Type: AWS::EC2::EIP
-    Properties:
-      Domain: vpc
-
-  NatGateway:
-    Type: AWS::EC2::NatGateway
-    Properties:
-      AllocationId: !GetAtt NatEip.AllocationId
-      SubnetId: !Ref PublicSubnet
-
-  PublicRouteTable:
-    Type: AWS::EC2::RouteTable
-    Properties:
-      VpcId: !Ref Vpc
-
-  PublicRoute:
-    Type: AWS::EC2::Route
-    DependsOn: VpcGatewayAttachment
-    Properties:
-      RouteTableId: !Ref PublicRouteTable
-      DestinationCidrBlock: 0.0.0.0/0
-      GatewayId: !Ref InternetGateway
-
-  PublicSubnetRouteTableAssociation:
-    Type: AWS::EC2::SubnetRouteTableAssociation
-    Properties:
-      SubnetId: !Ref PublicSubnet
-      RouteTableId: !Ref PublicRouteTable
-
-  PrivateRouteTable:
-    Type: AWS::EC2::RouteTable
-    Properties:
-      VpcId: !Ref Vpc
-
-  PrivateRoute:
-    Type: AWS::EC2::Route
-    Properties:
-      RouteTableId: !Ref PrivateRouteTable
-      DestinationCidrBlock: 0.0.0.0/0
-      NatGatewayId: !Ref NatGateway
-
-  # Gateway endpoints (audit M-22): keep S3/DynamoDB traffic off the NAT
-  # gateway — free, and removes per-GB NAT data-processing charges.
-  S3GatewayEndpoint:
-    Type: AWS::EC2::VPCEndpoint
-    Properties:
-      VpcId: !Ref Vpc
-      ServiceName: !Sub com.amazonaws.${AWS::Region}.s3
-      VpcEndpointType: Gateway
-      RouteTableIds:
-        - !Ref PublicRouteTable
-        - !Ref PrivateRouteTable
-
-  DynamoDbGatewayEndpoint:
-    Type: AWS::EC2::VPCEndpoint
-    Properties:
-      VpcId: !Ref Vpc
-      ServiceName: !Sub com.amazonaws.${AWS::Region}.dynamodb
-      VpcEndpointType: Gateway
-      RouteTableIds:
-        - !Ref PublicRouteTable
-        - !Ref PrivateRouteTable
-
-  PrivateSubnetRouteTableAssociation:
-    Type: AWS::EC2::SubnetRouteTableAssociation
-    Properties:
-      SubnetId: !Ref PrivateSubnet
-      RouteTableId: !Ref PrivateRouteTable
-
-  LambdaSecurityGroup:
-    Type: AWS::EC2::SecurityGroup
-    Properties:
-      GroupDescription: Payments Dashboard Lambda outbound access
-      VpcId: !Ref Vpc
-      SecurityGroupEgress:
-        - IpProtocol: "-1"
-          CidrIp: 0.0.0.0/0
-
-  PaymentsCsvBucket:
-    Type: AWS::S3::Bucket
-    Properties:
-      BucketName: !Sub seahaven-payments-csv-${AWS::AccountId}
-      PublicAccessBlockConfiguration:
-        BlockPublicAcls: true
-        IgnorePublicAcls: true
-        BlockPublicPolicy: true
-        RestrictPublicBuckets: true
-
-  # Raw archive of every BoA reporting API response (exact bytes, keyed
-  # raw/<endpoint>/<fromDate>_<toDate>/<runAt>.json). Replayable corpus for
-  # parser changes + audit trail. Retain: a template revert must never
-  # attempt to delete a bank-data bucket; decommission goes through the CFN
-  # decommission runbook (inventory, purge, deliberate deletion).
-  # Retain + fixed name = rollback-orphan hazard (same class as the RETAIN
-  # secret deadlock): if a failed deploy orphans the bucket, ADOPT it back
-  # with a CloudFormation resource import — never delete-and-recreate.
-  BoaRawBucket:
-    Type: AWS::S3::Bucket
-    DeletionPolicy: Retain
-    UpdateReplacePolicy: Retain
-    Properties:
-      BucketName: !Sub seahaven-payments-boa-raw-${AWS::AccountId}
-      PublicAccessBlockConfiguration:
-        BlockPublicAcls: true
-        IgnorePublicAcls: true
-        BlockPublicPolicy: true
-        RestrictPublicBuckets: true
-      BucketEncryption:
-        ServerSideEncryptionConfiguration:
-          - ServerSideEncryptionByDefault:
-              SSEAlgorithm: AES256
-      LifecycleConfiguration:
-        Rules:
-          - Id: expire-raw-responses
-            Status: Enabled
-            ExpirationInDays: 730
-
-  BoaRawBucketPolicy:
-    Type: AWS::S3::BucketPolicy
-    Properties:
-      Bucket: !Ref BoaRawBucket
-      PolicyDocument:
-        Version: "2012-10-17"
-        Statement:
-          - Sid: DenyInsecureTransport
-            Effect: Deny
-            Principal: "*"
-            Action: s3:*
-            Resource:
-              - !GetAtt BoaRawBucket.Arn
-              - !Sub "${BoaRawBucket.Arn}/*"
-            Condition:
-              Bool:
-                aws:SecureTransport: "false"
-
-  DashboardTable:
-    Type: AWS::DynamoDB::Table
-    Properties:
-      TableName: PaymentsDashboard
-      BillingMode: PAY_PER_REQUEST
-      AttributeDefinitions:
-        - AttributeName: pk
-          AttributeType: S
-      KeySchema:
-        - AttributeName: pk
-          KeyType: HASH
-      TimeToLiveSpecification:
-        AttributeName: ttl
-        Enabled: true
-      # SSE-KMS with the shared CMK (alias/seahaven-dynamodb, INFRA-95 / M-3).
-      # The table was migrated to this key out-of-band, so declaring it here
-      # reconciles the template drift (no-op against the live table). Consumer
-      # roles still need explicit kms perms below (SAM policies do not auto-add).
-      SSESpecification:
-        SSEEnabled: true
-        SSEType: KMS
-        KMSMasterKeyId: !Ref DynamoDbCmkArn
-
-  ProcessPaymentCsvDLQ:
-    Type: AWS::SQS::Queue
-    Properties:
-      QueueName: payments-processPaymentCsv-async-dlq
-      MessageRetentionPeriod: 1209600 # 14d
-
-  # ALARM-only Lambda Errors alarms (INFRA-41 / H-8). Threshold > 0 on the
-  # Errors Sum, no OK/recovery action by convention.
-  ProcessPaymentCsvErrorsAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-processPaymentCsv-errors
-      AlarmDescription: payments-processPaymentCsv invocation errors
-      Namespace: AWS/Lambda
-      MetricName: Errors
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ProcessPaymentCsvFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  # ── Lambda Errors alarms (Wave 1) ──────────────────────────────────────────
-  # Clone of ProcessPaymentCsvErrorsAlarm for the remaining functions. AWS/Lambda
-  # Errors, Sum over 5m, threshold > 0, ALARM-only by convention.
-  SlackAppHomeErrorsAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-slackAppHome-errors
-      AlarmDescription: payments-slackAppHome invocation errors
-      Namespace: AWS/Lambda
-      MetricName: Errors
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref SlackAppHomeFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  FetchBoaTransactionsErrorsAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-fetchBoaTransactions-errors
-      AlarmDescription: payments-fetchBoaTransactions invocation errors
-      Namespace: AWS/Lambda
-      MetricName: Errors
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref FetchBoaTransactionsFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ExpenseReceiverErrorsAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-expenseReceiver-errors
-      AlarmDescription: payments-expenseReceiver invocation errors
-      Namespace: AWS/Lambda
-      MetricName: Errors
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ExpenseReceiverFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ExpenseProcessorErrorsAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-expenseProcessor-errors
-      AlarmDescription: payments-expenseProcessor invocation errors
-      Namespace: AWS/Lambda
-      MetricName: Errors
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ExpenseProcessorFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  # ── Lambda Throttles alarms (Wave 1) ───────────────────────────────────────
-  # AWS/Lambda Throttles, Sum over 5m, threshold > 0, ALARM-only. Throttling
-  # signals concurrency exhaustion / reserved-concurrency starvation.
-  ProcessPaymentCsvThrottlesAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-processPaymentCsv-throttles
-      AlarmDescription: payments-processPaymentCsv invocations throttled
-      Namespace: AWS/Lambda
-      MetricName: Throttles
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ProcessPaymentCsvFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  FetchBoaTransactionsThrottlesAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-fetchBoaTransactions-throttles
-      AlarmDescription: payments-fetchBoaTransactions invocations throttled
-      Namespace: AWS/Lambda
-      MetricName: Throttles
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref FetchBoaTransactionsFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  SlackAppHomeThrottlesAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-slackAppHome-throttles
-      AlarmDescription: payments-slackAppHome invocations throttled
-      Namespace: AWS/Lambda
-      MetricName: Throttles
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref SlackAppHomeFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ExpenseReceiverThrottlesAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-expenseReceiver-throttles
-      AlarmDescription: payments-expenseReceiver invocations throttled
-      Namespace: AWS/Lambda
-      MetricName: Throttles
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ExpenseReceiverFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ExpenseProcessorThrottlesAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-expenseProcessor-throttles
-      AlarmDescription: payments-expenseProcessor invocations throttled
-      Namespace: AWS/Lambda
-      MetricName: Throttles
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ExpenseProcessorFunction
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  # ── Lambda Duration alarms (Wave 1) ────────────────────────────────────────
-  # AWS/Lambda Duration (ms), Statistic Maximum over 5m. Thresholds are ~80% of
-  # each function's configured timeout — early warning before timeout-kills.
-  ProcessPaymentCsvDurationAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-processPaymentCsv-duration
-      AlarmDescription: payments-processPaymentCsv approaching timeout (~80% of 120s)
-      Namespace: AWS/Lambda
-      MetricName: Duration
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ProcessPaymentCsvFunction
-      Statistic: Maximum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 96000
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  FetchBoaTransactionsDurationAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-fetchBoaTransactions-duration
-      AlarmDescription: payments-fetchBoaTransactions approaching timeout (~80% of 60s)
-      Namespace: AWS/Lambda
-      MetricName: Duration
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref FetchBoaTransactionsFunction
-      Statistic: Maximum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 48000
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ExpenseProcessorDurationAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-expenseProcessor-duration
-      AlarmDescription: payments-expenseProcessor approaching timeout (~80% of 15s)
-      Namespace: AWS/Lambda
-      MetricName: Duration
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ExpenseProcessorFunction
-      Statistic: Maximum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 12000
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ExpenseReceiverDurationAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-expenseReceiver-duration
-      AlarmDescription: payments-expenseReceiver approaching timeout (~80% of 5s)
-      Namespace: AWS/Lambda
-      MetricName: Duration
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref ExpenseReceiverFunction
-      Statistic: Maximum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 4000
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  SlackAppHomeDurationAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-slackAppHome-duration
-      AlarmDescription: payments-slackAppHome approaching timeout (~80% of 30s default)
-      Namespace: AWS/Lambda
-      MetricName: Duration
-      Dimensions:
-        - Name: FunctionName
-          Value: !Ref SlackAppHomeFunction
-      Statistic: Maximum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 24000
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  # ── DynamoDB alarms (Wave 1, SCOPE-CONFIRM) ────────────────────────────────
-  # AWS/DynamoDB throttle metrics for the PaymentsDashboard table. These metrics
-  # emit at the TableName dimension and only on the occurrence of a throttle
-  # event — none are currently present in CloudWatch (the table is
-  # PAY_PER_REQUEST, so sustained throttling is unlikely but possible during
-  # burst-capacity ramp). SystemErrors is intentionally not alarmed: AWS/DynamoDB
-  # SystemErrors does not emit at the TableName-only dimension, so it can never
-  # fire. Threshold > 0, Sum over 5m, ALARM-only.
-  DashboardTableReadThrottleAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-dashboard-table-read-throttle
-      AlarmDescription: PaymentsDashboard table read requests throttled
-      Namespace: AWS/DynamoDB
-      MetricName: ReadThrottleEvents
-      Dimensions:
-        - Name: TableName
-          Value: !Ref DashboardTable
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  DashboardTableWriteThrottleAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-dashboard-table-write-throttle
-      AlarmDescription: PaymentsDashboard table write requests throttled
-      Namespace: AWS/DynamoDB
-      MetricName: WriteThrottleEvents
-      Dimensions:
-        - Name: TableName
-          Value: !Ref DashboardTable
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  # ── API Gateway (HTTP API v2) alarms (Wave 1, SCOPE-CONFIRM) ────────────────
-  # AWS/ApiGateway v2 metrics on the implicit ServerlessHttpApi (ApiId dim).
-  # v2 metric names are 4xx/5xx/Latency (not 4XXError/5XXError). 5xx and Latency
-  # alarm on the API itself; 4xx is mostly client-driven so its threshold is
-  # set above zero to avoid noise (Slack URL-verification / bad requests).
-  ApiGateway5xxAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-dashboard-api-5xx
-      AlarmDescription: payments-dashboard HTTP API returned 5xx responses
-      Namespace: AWS/ApiGateway
-      MetricName: 5xx
-      Dimensions:
-        - Name: ApiId
-          Value: !Ref ServerlessHttpApi
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ApiGateway4xxAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-dashboard-api-4xx
-      AlarmDescription: payments-dashboard HTTP API elevated 4xx responses
-      Namespace: AWS/ApiGateway
-      MetricName: 4xx
-      Dimensions:
-        - Name: ApiId
-          Value: !Ref ServerlessHttpApi
-      Statistic: Sum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 10
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ApiGatewayLatencyAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-dashboard-api-latency-p99
-      AlarmDescription: payments-dashboard HTTP API p99 latency elevated (>3s)
-      Namespace: AWS/ApiGateway
-      MetricName: Latency
-      Dimensions:
-        - Name: ApiId
-          Value: !Ref ServerlessHttpApi
-      ExtendedStatistic: p99
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 3000
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  # Messages-present alarms on the async-invoke OnFailure DLQs,
-  # Threshold > 0 on the visible-message count, ALARM-only.
-  ProcessPaymentCsvDLQAlarm:
-    Type: AWS::CloudWatch::Alarm
-    Properties:
-      AlarmName: payments-processPaymentCsv-async-dlq-messages
-      AlarmDescription: Failed processPaymentCsv async invocations landed in the DLQ
-      Namespace: AWS/SQS
-      MetricName: ApproximateNumberOfMessagesVisible
-      Dimensions:
-        - Name: QueueName
-          Value: !GetAtt ProcessPaymentCsvDLQ.QueueName
-      Statistic: Maximum
-      Period: 300
-      EvaluationPeriods: 1
-      Threshold: 0
-      ComparisonOperator: GreaterThanThreshold
-      TreatMissingData: notBreaching
-      # ALARM-only notification by convention — no OK/recovery action
-      AlarmActions:
-        - !Sub arn:aws:sns:${AWS::Region}:${AWS::AccountId}:site-alerts
-
-  ProcessPaymentCsvLogGroup:
-    Type: AWS::Logs::LogGroup
-    Properties:
-      LogGroupName: /aws/lambda/payments-processPaymentCsv
-      RetentionInDays: 60
-
-  SlackAppHomeLogGroup:
-    Type: AWS::Logs::LogGroup
-    Properties:
-      LogGroupName: /aws/lambda/payments-slackAppHome
-      RetentionInDays: 60
-
-  FetchBoaTransactionsLogGroup:
-    Type: AWS::Logs::LogGroup
-    Properties:
-      LogGroupName: /aws/lambda/payments-fetchBoaTransactions
-      RetentionInDays: 60
-
-  ExpenseReceiverLogGroup:
-    Type: AWS::Logs::LogGroup
-    Properties:
-      LogGroupName: /aws/lambda/payments-expenseReceiver
-      RetentionInDays: 60
-
-  ExpenseProcessorLogGroup:
-    Type: AWS::Logs::LogGroup
-    Properties:
-      LogGroupName: /aws/lambda/payments-expenseProcessor
-      RetentionInDays: 60
-
-  ProcessPaymentCsvFunction:
-    Type: AWS::Serverless::Function
-    Properties:
-      FunctionName: payments-processPaymentCsv
-      Handler: src/processPaymentCsv.handler
-      Timeout: 120
-      EventInvokeConfig:
-        MaximumRetryAttempts: 2
-        MaximumEventAgeInSeconds: 21600
-        DestinationConfig:
-          OnFailure:
-            Type: SQS
-            Destination: !GetAtt ProcessPaymentCsvDLQ.Arn
-      Environment:
-        Variables:
-          BOA_BASE_URL: https://api.bofa.com
-          BOA_CHECK_MGMT_SECRET_NAME: payments-dashboard/boa-check-mgmt
-      VpcConfig:
-        SubnetIds:
-          - !Ref PrivateSubnet
-        SecurityGroupIds:
-          - !Ref LambdaSecurityGroup
-      Events:
-        CsvUpload:
-          Type: S3
-          Properties:
-            Bucket: !Ref PaymentsCsvBucket
-            Events: s3:ObjectCreated:*
-            Filter:
-              S3Key:
-                Rules:
-                  - Name: suffix
-                    Value: .csv
-      Policies:
-        - S3ReadPolicy:
-            BucketName: !Sub seahaven-payments-csv-${AWS::AccountId}
-        - DynamoDBCrudPolicy:
-            TableName: !Ref DashboardTable
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action:
-                - kms:Decrypt
-                - kms:GenerateDataKey
-                - kms:DescribeKey
-              Resource: !Ref DynamoDbCmkArn
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action: secretsmanager:GetSecretValue
-              Resource: !Sub arn:aws:secretsmanager:${AWS::Region}:${AWS::AccountId}:secret:payments-dashboard/boa-check-mgmt-*
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action:
-                - ec2:CreateNetworkInterface
-                - ec2:DescribeNetworkInterfaces
-                - ec2:DeleteNetworkInterface
-              Resource: "*"
-
-  SlackAppHomeFunction:
-    Type: AWS::Serverless::Function
-    Properties:
-      FunctionName: payments-slackAppHome
-      Handler: src/slackAppHome.handler
-      VpcConfig:
-        SubnetIds:
-          - !Ref PrivateSubnet
-        SecurityGroupIds:
-          - !Ref LambdaSecurityGroup
-      Environment:
-        Variables:
-          SLACK_BOT_TOKEN_SECRET_NAME: payments-dashboard/slack-bot-token
-          SLACK_SIGNING_SECRET_NAME: payments-dashboard/slack-signing-secret
-      Events:
-        SlackEvent:
-          Type: HttpApi
-          Properties:
-            Path: /slack/events
-            Method: POST
-      Policies:
-        - DynamoDBReadPolicy:
-            TableName: !Ref DashboardTable
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action:
-                - kms:Decrypt
-                - kms:DescribeKey
-              Resource: !Ref DynamoDbCmkArn
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action: secretsmanager:GetSecretValue
-              Resource:
-                - !Sub arn:aws:secretsmanager:${AWS::Region}:${AWS::AccountId}:secret:payments-dashboard/slack-bot-token-*
-                - !Sub arn:aws:secretsmanager:${AWS::Region}:${AWS::AccountId}:secret:payments-dashboard/slack-signing-secret-*
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action:
-                - ec2:CreateNetworkInterface
-                - ec2:DescribeNetworkInterfaces
-                - ec2:DeleteNetworkInterface
-              Resource: "*"
-
-  FetchBoaTransactionsFunction:
-    Type: AWS::Serverless::Function
-    Properties:
-      FunctionName: payments-fetchBoaTransactions
-      Handler: src/fetchBoaTransactions.handler
-      Timeout: 60
-      VpcConfig:
-        SubnetIds:
-          - !Ref PrivateSubnet
-        SecurityGroupIds:
-          - !Ref LambdaSecurityGroup
-      Environment:
-        Variables:
-          BOA_BASE_URL: https://api.bofa.com
-          BOA_REPORTING_SECRET_NAME: payments-dashboard/boa-reporting
-          BOA_RAW_BUCKET: !Ref BoaRawBucket
-      Events:
-        DailySchedule:
-          Type: Schedule
-          Properties:
-            Schedule: cron(0 13 ? * MON-FRI *)
-            Description: Fetch BoA previous day transactions at 9am ET (13:00 UTC)
-            Enabled: true
-        # One rule for all intraday runs so they can be disabled as a unit
-        # (aws events disable-rule) without touching the authoritative 9am
-        # previous-day sweep. Fixed UTC: ~12/3/6pm ET in DST, 11/2/5pm in
-        # winter (accepted drift, documented in README).
-        IntradaySchedule:
-          Type: Schedule
-          Properties:
-            Schedule: cron(0 16,19,22 ? * MON-FRI *)
-            Description: Intraday BoA current-day sweep (~12pm/3pm/6pm ET)
-            Enabled: true
-            Input: '{"endpoint":"current-day"}'
-      Policies:
-        - DynamoDBCrudPolicy:
-            TableName: !Ref DashboardTable
-        - Version: "2012-10-17"
-          Statement:
-            # Archive writes only: no read, no list, no other principal.
-            # Derived from the bucket resource so a rename can't silently
-            # detach the grant.
-            - Effect: Allow
-              Action: s3:PutObject
-              Resource: !Sub "${BoaRawBucket.Arn}/*"
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action:
-                - kms:Decrypt
-                - kms:GenerateDataKey
-                - kms:DescribeKey
-              Resource: !Ref DynamoDbCmkArn
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action: secretsmanager:GetSecretValue
-              Resource: !Sub arn:aws:secretsmanager:${AWS::Region}:${AWS::AccountId}:secret:payments-dashboard/boa-reporting-*
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action:
-                - ec2:CreateNetworkInterface
-                - ec2:DescribeNetworkInterfaces
-                - ec2:DeleteNetworkInterface
-              Resource: "*"
-
-  ExpenseProcessorFunction:
-    Type: AWS::Serverless::Function
-    Properties:
-      FunctionName: payments-expenseProcessor
-      Handler: src/expenseProcessor.handler
-      Timeout: 15
-      Environment:
-        Variables:
-          EXPENSE_BOT_TOKEN_SECRET_NAME: payments-dashboard/expense-slack-token
-      Policies:
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action: secretsmanager:GetSecretValue
-              Resource: !Sub arn:aws:secretsmanager:${AWS::Region}:${AWS::AccountId}:secret:payments-dashboard/expense-slack-token-*
-
-  ExpenseReceiverFunction:
-    Type: AWS::Serverless::Function
-    Properties:
-      FunctionName: payments-expenseReceiver
-      Handler: src/expenseReceiver.handler
-      Timeout: 5
-      Environment:
-        Variables:
-          EXPENSE_PROCESSOR_FN: !Ref ExpenseProcessorFunction
-          EXPENSE_SIGNING_SECRET_NAME: payments-dashboard/expense-slack-signing-secret
-      Events:
-        ExpenseSlackEvent:
-          Type: HttpApi
-          Properties:
-            Path: /slack/expense-events
-            Method: POST
-      Policies:
-        - Version: "2012-10-17"
-          Statement:
-            - Effect: Allow
-              Action: lambda:InvokeFunction
-              Resource: !GetAtt ExpenseProcessorFunction.Arn
-            - Effect: Allow
-              Action: secretsmanager:GetSecretValue
-              Resource: !Sub arn:aws:secretsmanager:${AWS::Region}:${AWS::AccountId}:secret:payments-dashboard/expense-slack-signing-secret-*
-
-Outputs:
-  SlackEventUrl:
-    Description: URL to set as the Slack app Request URL
-    Value: !Sub https://${ServerlessHttpApi}.execute-api.${AWS::Region}.amazonaws.com/slack/events
-  CsvBucket:
-    Description: S3 bucket for CSV uploads
-    Value: !Ref PaymentsCsvBucket
-  StaticOutboundIp:
-    Description: Static IP for BoA API whitelist
-    Value: !Ref NatEip
-  ExpenseSlackEventsUrl:
-    Description: URL for Expense Approval Bot Slack Event Subscriptions
-    Value: !Sub https://${ServerlessHttpApi}.execute-api.${AWS::Region}.amazonaws.com/slack/expense-events
-  ExpenseProcessorFunctionArn:
-    Description: Expense Processor Lambda ARN
-    Value: !GetAtt ExpenseProcessorFunction.Arn
-  ExpenseReceiverFunctionArn:
-    Description: Expense Receiver Lambda ARN
-    Value: !GetAtt ExpenseReceiverFunction.Arn
--- a/terraform/.terraform.lock.hcl
+++ b/terraform/.terraform.lock.hcl
@ -0,0 +1,47 @@
+# This file is maintained automatically by "terraform init".
+# Manual edits may be lost in future updates.
+
+provider "registry.terraform.io/hashicorp/archive" {
+  version     = "2.8.1"
+  constraints = "~> 2.8"
+  hashes = [
+    "h1:aLNmq6dc3cDcqZc8s/8eKtn0I+UQXyJMGrmo4rRFtNw=",
+    "zh:03de290604114a89fcd45c2e5bc7787d5a1ebfc5f964fb5989306bea7a4c79ec",
+    "zh:0a7d69dc9fbbc48960bc2f04588c8fb1bd92c78a8f306566b7fb17fc4a4f2058",
+    "zh:4df1f3981379c35f1757da957470f7f7724496b57219da3485177cf1647bdf59",
+    "zh:50f0e72ba53bfe6e11b03b7fc899e1f72536354381d302a743a274ae2a3f45f4",
+    "zh:5c4e15a04c98e2a8cafb1cd9632b48ad318051e8462d105b1153006277985c35",
+    "zh:66069e604bcf5c4af0278e15997d9e6bd755c54fb3801d78885838b889729c5f",
+    "zh:78d5eefdd9e494defcb3c68d282b8f96630502cac21d1ea161f53cfe9bb483b3",
+    "zh:979765db3f42601870ab377104ba70befb029547b278337ec4ada980e3582de6",
+    "zh:b165254da774f49945a73fbccc3ef1b63d70ea00a98fa9e14716665ba80ecaad",
+    "zh:c0bb2697b525da9fec4511f569ed2bd2b42f25d5c1f9fa00f8f3645b50cfc2e9",
+    "zh:c48f6695d12df0d0fa5231f7c1b8d518a4feae91a733fdd35a5804af3a303831",
+    "zh:d589954c93f075180c9f4e2ce91780d5edcb56dfd0d3cda8ba08e13c10b52249",
+    "zh:f5792ed06da65d0daf7ca3711f5399ff78c7cb4400afe53fbce9a926fbde4477",
+  ]
+}
+
+provider "registry.terraform.io/hashicorp/aws" {
+  version     = "6.64.0"
+  constraints = "~> 6.64"
+  hashes = [
+    "h1:wXARLY+IeQ7ufYxCLTPCwToWGMRvOpiOTfJS97iwUzI=",
+    "zh:07172315d67bc9781240272759cdfc7bd32b7e72384a56862c2c1da3cca99a81",
+    "zh:154ce7d2659de9a59ddfe96d7cab41a9ddc2cb267a7d4bcdf4e737ff2ffdec06",
+    "zh:17324d4335a7a7ac01cc23eded530775606680ff53b47cb74a3cb95d1121f836",
+    "zh:307ab92324ec5a61b124881ab8cac1d9e316f4527dfd0e1b59794c229407eb4e",
+    "zh:31e25f1903661332e36a95283042dd3ec50b47c186db00663fbd976a11e6a6b2",
+    "zh:3311d9f3bd12a24886027dbe73859dcd1e67bd0e3046227a338cf2c7ca04d18e",
+    "zh:37916156a3aac3b29be3acebd15d53145ea4ab5d4aaa825eaebe75481fa00500",
+    "zh:4158cb8c38b3ac6aa98eb15935ec6bd7c30838d85d2b00acc9812df8382ae908",
+    "zh:5bfb9499c66d9db5b34dc5c60f426a1ab1baa5457ce2aefebca826a9c3f92fb0",
+    "zh:6eb29ead5a4aca3b1f35812e7e8c75419180e1928e479b458f206861277736db",
+    "zh:7a82b6dd0c0cdef8045a4adfbddd36acb86b6b23fcbed8e189c2d71f7dc4a502",
+    "zh:9556bd792032c3f7e73ea4dd08cec88dc1327f5a4a57d79c30ba844ae2b9a3c0",
+    "zh:9b12af85486a96aedd8d7984b0ff811a4b42e3d88dad1a3fb4c0b580d04fa425",
+    "zh:c5234180464cb800c83a41f57462742b802c150ad7d4417626fcd9cb511c01d2",
+    "zh:cd776b83b1f7b36635957350afe7ce28ba4e4ea3a5e2deb00d13dbd3b35d9d40",
+    "zh:fb583a7b791c6f915b86573d04f05ddbf7f1a5e4120c5d8a7450a3086c1225c4",
+  ]
+}
--- a/terraform/alarms.tf
+++ b/terraform/alarms.tf
@ -0,0 +1,161 @@
+locals {
+  lambda_alarm_matrix = {
+    errors = {
+      metric_name = "Errors"
+      statistic   = "Sum"
+      threshold   = 0
+      comparison  = "GreaterThanThreshold"
+      period      = 300
+    }
+    throttles = {
+      metric_name = "Throttles"
+      statistic   = "Sum"
+      threshold   = 0
+      comparison  = "GreaterThanThreshold"
+      period      = 300
+    }
+  }
+
+  lambda_alarms = {
+    for pair in flatten([
+      for fn_key, fn in local.functions : [
+        for metric_key, metric in local.lambda_alarm_matrix : {
+          key         = "${fn_key}-${metric_key}"
+          function    = fn.function_name
+          metric_key  = metric_key
+          metric_name = metric.metric_name
+          statistic   = metric.statistic
+          threshold   = metric.threshold
+          comparison  = metric.comparison
+          period      = metric.period
+          alarm_name  = "${fn.function_name}-${metric_key}"
+          description = "${fn.function_name} ${metric_key}"
+        }
+      ]
+    ]) : pair.key => pair
+  }
+}
+
+resource "aws_cloudwatch_metric_alarm" "lambda_errors_throttles" {
+  for_each = local.lambda_alarms
+
+  alarm_name          = each.value.alarm_name
+  alarm_description   = each.value.description
+  namespace           = "AWS/Lambda"
+  metric_name         = each.value.metric_name
+  dimensions          = { FunctionName = each.value.function }
+  statistic           = each.value.statistic
+  period              = each.value.period
+  evaluation_periods  = 1
+  threshold           = each.value.threshold
+  comparison_operator = each.value.comparison
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
+
+resource "aws_cloudwatch_metric_alarm" "lambda_duration" {
+  for_each = local.functions
+
+  alarm_name          = "${each.value.function_name}-duration"
+  alarm_description   = "${each.value.function_name} approaching timeout (~80% of ${each.value.timeout}s)"
+  namespace           = "AWS/Lambda"
+  metric_name         = "Duration"
+  dimensions          = { FunctionName = each.value.function_name }
+  statistic           = "Maximum"
+  period              = 300
+  evaluation_periods  = 1
+  threshold           = each.value.duration_ms
+  comparison_operator = "GreaterThanThreshold"
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
+
+resource "aws_cloudwatch_metric_alarm" "ddb_read_throttle" {
+  alarm_name          = "payments-dashboard-table-read-throttle"
+  alarm_description   = "PaymentsDashboard table read requests throttled"
+  namespace           = "AWS/DynamoDB"
+  metric_name         = "ReadThrottleEvents"
+  dimensions          = { TableName = aws_dynamodb_table.dashboard.name }
+  statistic           = "Sum"
+  period              = 300
+  evaluation_periods  = 1
+  threshold           = 0
+  comparison_operator = "GreaterThanThreshold"
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
+
+resource "aws_cloudwatch_metric_alarm" "ddb_write_throttle" {
+  alarm_name          = "payments-dashboard-table-write-throttle"
+  alarm_description   = "PaymentsDashboard table write requests throttled"
+  namespace           = "AWS/DynamoDB"
+  metric_name         = "WriteThrottleEvents"
+  dimensions          = { TableName = aws_dynamodb_table.dashboard.name }
+  statistic           = "Sum"
+  period              = 300
+  evaluation_periods  = 1
+  threshold           = 0
+  comparison_operator = "GreaterThanThreshold"
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
+
+resource "aws_cloudwatch_metric_alarm" "api_5xx" {
+  alarm_name          = "payments-dashboard-api-5xx"
+  alarm_description   = "payments-dashboard HTTP API returned 5xx responses"
+  namespace           = "AWS/ApiGateway"
+  metric_name         = "5xx"
+  dimensions          = { ApiId = aws_apigatewayv2_api.http.id }
+  statistic           = "Sum"
+  period              = 300
+  evaluation_periods  = 1
+  threshold           = 0
+  comparison_operator = "GreaterThanThreshold"
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
+
+resource "aws_cloudwatch_metric_alarm" "api_4xx" {
+  alarm_name          = "payments-dashboard-api-4xx"
+  alarm_description   = "payments-dashboard HTTP API elevated 4xx responses"
+  namespace           = "AWS/ApiGateway"
+  metric_name         = "4xx"
+  dimensions          = { ApiId = aws_apigatewayv2_api.http.id }
+  statistic           = "Sum"
+  period              = 300
+  evaluation_periods  = 1
+  threshold           = 10
+  comparison_operator = "GreaterThanThreshold"
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
+
+resource "aws_cloudwatch_metric_alarm" "api_latency" {
+  alarm_name          = "payments-dashboard-api-latency-p99"
+  alarm_description   = "payments-dashboard HTTP API p99 latency elevated (>3s)"
+  namespace           = "AWS/ApiGateway"
+  metric_name         = "Latency"
+  dimensions          = { ApiId = aws_apigatewayv2_api.http.id }
+  extended_statistic  = "p99"
+  period              = 300
+  evaluation_periods  = 1
+  threshold           = 3000
+  comparison_operator = "GreaterThanThreshold"
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
+
+resource "aws_cloudwatch_metric_alarm" "process_csv_dlq" {
+  alarm_name          = "payments-processPaymentCsv-async-dlq-messages"
+  alarm_description   = "Failed processPaymentCsv async invocations landed in the DLQ"
+  namespace           = "AWS/SQS"
+  metric_name         = "ApproximateNumberOfMessagesVisible"
+  dimensions          = { QueueName = aws_sqs_queue.process_csv_dlq.name }
+  statistic           = "Maximum"
+  period              = 300
+  evaluation_periods  = 1
+  threshold           = 0
+  comparison_operator = "GreaterThanThreshold"
+  treat_missing_data  = "notBreaching"
+  alarm_actions       = [local.site_alerts_arn]
+}
--- a/terraform/apigateway.tf
+++ b/terraform/apigateway.tf
@ -0,0 +1,73 @@
+resource "aws_apigatewayv2_api" "http" {
+  name          = local.project
+  protocol_type = "HTTP"
+  description   = "payments-dashboard Slack App Home and expense bot API"
+}
+
+resource "aws_apigatewayv2_integration" "slack_app_home" {
+  api_id                 = aws_apigatewayv2_api.http.id
+  integration_type       = "AWS_PROXY"
+  integration_method     = "POST"
+  integration_uri        = aws_lambda_function.this["slack_app_home"].invoke_arn
+  payload_format_version = "2.0"
+  timeout_milliseconds   = 30000
+}
+
+resource "aws_apigatewayv2_integration" "expense_receiver" {
+  api_id                 = aws_apigatewayv2_api.http.id
+  integration_type       = "AWS_PROXY"
+  integration_method     = "POST"
+  integration_uri        = aws_lambda_function.this["expense_receiver"].invoke_arn
+  payload_format_version = "2.0"
+  timeout_milliseconds   = 5000
+}
+
+resource "aws_apigatewayv2_route" "slack_events" {
+  api_id    = aws_apigatewayv2_api.http.id
+  route_key = "POST /slack/events"
+  target    = "integrations/${aws_apigatewayv2_integration.slack_app_home.id}"
+}
+
+resource "aws_apigatewayv2_route" "expense_events" {
+  api_id    = aws_apigatewayv2_api.http.id
+  route_key = "POST /slack/expense-events"
+  target    = "integrations/${aws_apigatewayv2_integration.expense_receiver.id}"
+}
+
+resource "aws_apigatewayv2_stage" "default" {
+  api_id      = aws_apigatewayv2_api.http.id
+  name        = "$default"
+  auto_deploy = true
+
+  access_log_settings {
+    destination_arn = aws_cloudwatch_log_group.api_access.arn
+    format          = "{\"requestId\":\"$context.requestId\",\"ip\":\"$context.identity.sourceIp\",\"requestTime\":\"$context.requestTime\",\"method\":\"$context.httpMethod\",\"routeKey\":\"$context.routeKey\",\"status\":\"$context.status\",\"protocol\":\"$context.protocol\",\"responseLength\":\"$context.responseLength\",\"integrationError\":\"$context.integrationErrorMessage\"}"
+  }
+
+  default_route_settings {
+    throttling_burst_limit = 50
+    throttling_rate_limit  = 100
+  }
+
+  depends_on = [
+    aws_apigatewayv2_route.slack_events,
+    aws_apigatewayv2_route.expense_events,
+    aws_iam_role_policy.hcptf_apply_services,
+  ]
+}
+
+resource "aws_lambda_permission" "api_slack_app_home" {
+  statement_id  = "AllowApiGatewayInvokeSlackAppHome"
+  action        = "lambda:InvokeFunction"
+  function_name = aws_lambda_function.this["slack_app_home"].function_name
+  principal     = "apigateway.amazonaws.com"
+  source_arn    = "${aws_apigatewayv2_api.http.execution_arn}/*/*"
+}
+
+resource "aws_lambda_permission" "api_expense_receiver" {
+  statement_id  = "AllowApiGatewayInvokeExpenseReceiver"
+  action        = "lambda:InvokeFunction"
+  function_name = aws_lambda_function.this["expense_receiver"].function_name
+  principal     = "apigateway.amazonaws.com"
+  source_arn    = "${aws_apigatewayv2_api.http.execution_arn}/*/*"
+}
--- a/terraform/bootstrap/stub/package.json
+++ b/terraform/bootstrap/stub/package.json
@ -0,0 +1,3 @@
+{
+  "type": "module"
+}
--- a/terraform/bootstrap/stub/src/expenseProcessor.js
+++ b/terraform/bootstrap/stub/src/expenseProcessor.js
@ -0,0 +1,7 @@
+export async function handler() {
+  return {
+    statusCode: 503,
+    headers: { "content-type": "application/json" },
+    body: '{"error":{"code":"NOT_DEPLOYED","message":"Function code has not been deployed yet."}}',
+  };
+}
--- a/terraform/bootstrap/stub/src/expenseReceiver.js
+++ b/terraform/bootstrap/stub/src/expenseReceiver.js
@ -0,0 +1,7 @@
+export async function handler() {
+  return {
+    statusCode: 503,
+    headers: { "content-type": "application/json" },
+    body: '{"error":{"code":"NOT_DEPLOYED","message":"Function code has not been deployed yet."}}',
+  };
+}
--- a/terraform/bootstrap/stub/src/fetchBoaTransactions.js
+++ b/terraform/bootstrap/stub/src/fetchBoaTransactions.js
@ -0,0 +1,7 @@
+export async function handler() {
+  return {
+    statusCode: 503,
+    headers: { "content-type": "application/json" },
+    body: '{"error":{"code":"NOT_DEPLOYED","message":"Function code has not been deployed yet."}}',
+  };
+}
--- a/terraform/bootstrap/stub/src/processPaymentCsv.js
+++ b/terraform/bootstrap/stub/src/processPaymentCsv.js
@ -0,0 +1,7 @@
+export async function handler() {
+  return {
+    statusCode: 503,
+    headers: { "content-type": "application/json" },
+    body: '{"error":{"code":"NOT_DEPLOYED","message":"Function code has not been deployed yet."}}',
+  };
+}
--- a/terraform/bootstrap/stub/src/slackAppHome.js
+++ b/terraform/bootstrap/stub/src/slackAppHome.js
@ -0,0 +1,7 @@
+export async function handler() {
+  return {
+    statusCode: 503,
+    headers: { "content-type": "application/json" },
+    body: '{"error":{"code":"NOT_DEPLOYED","message":"Function code has not been deployed yet."}}',
+  };
+}
--- a/terraform/data.tf
+++ b/terraform/data.tf
@ -0,0 +1,56 @@
+data "aws_ssm_parameter" "dynamodb_cmk" {
+  name = local.dynamodb_cmk_ssm
+}
+
+resource "aws_dynamodb_table" "dashboard" {
+  name         = local.table_name
+  billing_mode = "PAY_PER_REQUEST"
+  hash_key     = "pk"
+
+  attribute {
+    name = "pk"
+    type = "S"
+  }
+
+  ttl {
+    attribute_name = "ttl"
+    enabled        = true
+  }
+
+  server_side_encryption {
+    enabled     = true
+    kms_key_arn = data.aws_ssm_parameter.dynamodb_cmk.value
+  }
+}
+
+resource "aws_sqs_queue" "process_csv_dlq" {
+  name                      = "payments-processPaymentCsv-async-dlq"
+  message_retention_seconds = 1209600
+  sqs_managed_sse_enabled   = true
+}
+
+data "aws_iam_policy_document" "process_csv_dlq" {
+  statement {
+    sid    = "AllowLambdaOnFailure"
+    effect = "Allow"
+
+    principals {
+      type        = "Service"
+      identifiers = ["lambda.amazonaws.com"]
+    }
+
+    actions   = ["sqs:SendMessage"]
+    resources = [aws_sqs_queue.process_csv_dlq.arn]
+
+    condition {
+      test     = "ArnEquals"
+      variable = "aws:SourceArn"
+      values   = [aws_lambda_function.this["process_csv"].arn]
+    }
+  }
+}
+
+resource "aws_sqs_queue_policy" "process_csv_dlq" {
+  queue_url = aws_sqs_queue.process_csv_dlq.id
+  policy    = data.aws_iam_policy_document.process_csv_dlq.json
+}
--- a/terraform/events.tf
+++ b/terraform/events.tf
@ -0,0 +1,47 @@
+# EventBridge schedules. Keep schedules_enabled=false until Slack Request URLs
+# and the Stampli uploader point at this stack.
+
+locals {
+  schedules = {
+    daily = {
+      description  = "Fetch BoA previous day transactions at 9am ET (13:00 UTC)"
+      schedule     = "cron(0 13 ? * MON-FRI *)"
+      function_key = "fetch_boa"
+      input        = null
+    }
+    intraday = {
+      description  = "Intraday BoA current-day sweep (~12pm/3pm/6pm ET)"
+      schedule     = "cron(0 16,19,22 ? * MON-FRI *)"
+      function_key = "fetch_boa"
+      input        = jsonencode({ endpoint = "current-day" })
+    }
+  }
+}
+
+resource "aws_cloudwatch_event_rule" "schedule" {
+  for_each = local.schedules
+
+  name                = "${local.project}-${each.key}"
+  description         = each.value.description
+  schedule_expression = each.value.schedule
+  state               = var.schedules_enabled ? "ENABLED" : "DISABLED"
+}
+
+resource "aws_cloudwatch_event_target" "schedule" {
+  for_each = local.schedules
+
+  rule      = aws_cloudwatch_event_rule.schedule[each.key].name
+  target_id = "${local.project}-${each.key}"
+  arn       = aws_lambda_function.this[each.value.function_key].arn
+  input     = each.value.input
+}
+
+resource "aws_lambda_permission" "schedule" {
+  for_each = local.schedules
+
+  statement_id  = "AllowEventBridgeInvoke-${each.key}"
+  action        = "lambda:InvokeFunction"
+  function_name = aws_lambda_function.this[each.value.function_key].function_name
+  principal     = "events.amazonaws.com"
+  source_arn    = aws_cloudwatch_event_rule.schedule[each.key].arn
+}
--- a/terraform/hcp_iam.tf
+++ b/terraform/hcp_iam.tf
@ -0,0 +1,906 @@
+# HCP plan/apply roles for payments-dashboard-prod (PLAT-79 / PLAT-144).
+# Copy of seahaven-org-baseline/examples/hcptf-workspace-iam/hcp_iam.tf.example
+# with the payments-dashboard service set. Create, do not import.
+#
+# Live seahaven-hcptf-iam-management DenySelfMutation blocks DetachRolePolicy
+# and PutRolePolicy on hcptf-* (including this role). First-apply sequence:
+#   1. seahaven-org-baseline scripts/create-hcptf-bootstrap-roles.sh
+#        --account prod --allow-workspace payments-dashboard-prod
+#   2. Point this workspace's TFC_AWS_* at hcptf-bootstrap /
+#      hcptf-bootstrap-plan (workspace vars, never a project set).
+#   3. One Manual apply (create roles + scoped inline + boundary + stack,
+#      schedules_enabled=false).
+#   4. Point TFC_AWS_* back at hcptf-payments-dashboard /
+#      hcptf-payments-dashboard-plan.
+#   5. Re-run the script without --allow-workspace to pin trust back to
+#      iam-bootstrap-prod only.
+# Later apply-role IAM edits use the same window. Do not add StringLike
+# on bootstrap trust. CreatePolicy stays on hcptf-bootstrap only; boundary
+# document changes after seal also need that window.
+
+data "aws_iam_policy_document" "hcptf_apply_trust" {
+  statement {
+    sid     = "HcpApply"
+    effect  = "Allow"
+    actions = ["sts:AssumeRoleWithWebIdentity"]
+
+    principals {
+      type        = "Federated"
+      identifiers = ["arn:aws:iam::${local.account_id}:oidc-provider/app.terraform.io"]
+    }
+
+    condition {
+      test     = "StringEquals"
+      variable = "app.terraform.io:aud"
+      values   = ["aws.workload.identity"]
+    }
+
+    condition {
+      test     = "StringEquals"
+      variable = "app.terraform.io:sub"
+      values = [
+        "organization:seahaven:project:${local.hcp_project}:workspace:${local.hcp_workspace}:run_phase:apply",
+      ]
+    }
+  }
+}
+
+data "aws_iam_policy_document" "hcptf_plan_trust" {
+  statement {
+    sid     = "HcpPlan"
+    effect  = "Allow"
+    actions = ["sts:AssumeRoleWithWebIdentity"]
+
+    principals {
+      type        = "Federated"
+      identifiers = ["arn:aws:iam::${local.account_id}:oidc-provider/app.terraform.io"]
+    }
+
+    condition {
+      test     = "StringEquals"
+      variable = "app.terraform.io:aud"
+      values   = ["aws.workload.identity"]
+    }
+
+    condition {
+      test     = "StringEquals"
+      variable = "app.terraform.io:sub"
+      values = [
+        "organization:seahaven:project:${local.hcp_project}:workspace:${local.hcp_workspace}:run_phase:plan",
+      ]
+    }
+  }
+}
+
+data "aws_iam_policy_document" "hcptf_scoped_iam" {
+  statement {
+    sid    = "DenyCreatePolicy"
+    effect = "Deny"
+    actions = [
+      "iam:CreatePolicy",
+      "iam:CreatePolicyVersion",
+      "iam:DeletePolicy",
+      "iam:DeletePolicyVersion",
+      "iam:SetDefaultPolicyVersion",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid     = "CreateExecRoleWithBoundary"
+    effect  = "Allow"
+    actions = ["iam:CreateRole"]
+    resources = [
+      "arn:aws:iam::${local.account_id}:role/tf-managed/${local.stack_prefix}*",
+    ]
+
+    condition {
+      test     = "StringLike"
+      variable = "iam:PermissionsBoundary"
+      values = [
+        "arn:aws:iam::${local.account_id}:policy/tf-managed/${local.stack_prefix}*",
+        "arn:aws:iam::${local.account_id}:policy/seahaven-lambda-execution-boundary",
+        "arn:aws:iam::${local.account_id}:policy/seahaven-lambda-execution-boundary-${local.stack_name}",
+      ]
+    }
+  }
+
+  statement {
+    sid    = "MutateExecRoleWithBoundary"
+    effect = "Allow"
+    actions = [
+      "iam:AttachRolePolicy",
+      "iam:PutRolePolicy",
+      "iam:PutRolePermissionsBoundary",
+    ]
+    resources = [
+      "arn:aws:iam::${local.account_id}:role/tf-managed/${local.stack_prefix}*",
+    ]
+
+    condition {
+      test     = "StringLike"
+      variable = "iam:PermissionsBoundary"
+      values = [
+        "arn:aws:iam::${local.account_id}:policy/tf-managed/${local.stack_prefix}*",
+        "arn:aws:iam::${local.account_id}:policy/seahaven-lambda-execution-boundary",
+        "arn:aws:iam::${local.account_id}:policy/seahaven-lambda-execution-boundary-${local.stack_name}",
+      ]
+    }
+  }
+
+  statement {
+    sid    = "WriteExecRoles"
+    effect = "Allow"
+    actions = [
+      "iam:DeleteRole",
+      "iam:DeleteRolePolicy",
+      "iam:DetachRolePolicy",
+      "iam:TagRole",
+      "iam:UntagRole",
+      "iam:UpdateAssumeRolePolicy",
+      "iam:UpdateRole",
+      "iam:UpdateRoleDescription",
+    ]
+    resources = [
+      "arn:aws:iam::${local.account_id}:role/tf-managed/${local.stack_prefix}*",
+    ]
+  }
+
+  statement {
+    sid       = "PassExecRolesToLambda"
+    effect    = "Allow"
+    actions   = ["iam:PassRole"]
+    resources = ["arn:aws:iam::${local.account_id}:role/tf-managed/${local.stack_prefix}*"]
+
+    condition {
+      test     = "StringEquals"
+      variable = "iam:PassedToService"
+      values   = ["lambda.amazonaws.com"]
+    }
+  }
+
+  statement {
+    sid       = "CreateDeployRole"
+    effect    = "Allow"
+    actions   = ["iam:CreateRole"]
+    resources = ["arn:aws:iam::${local.account_id}:role/tf-managed/${local.deploy_role}"]
+
+    condition {
+      test     = "Null"
+      variable = "iam:PermissionsBoundary"
+      values   = ["true"]
+    }
+  }
+
+  statement {
+    sid    = "WriteDeployRoles"
+    effect = "Allow"
+    actions = [
+      "iam:AttachRolePolicy",
+      "iam:DeleteRole",
+      "iam:DeleteRolePolicy",
+      "iam:DetachRolePolicy",
+      "iam:PutRolePolicy",
+      "iam:TagRole",
+      "iam:UntagRole",
+      "iam:UpdateAssumeRolePolicy",
+      "iam:UpdateRole",
+      "iam:UpdateRoleDescription",
+    ]
+    resources = ["arn:aws:iam::${local.account_id}:role/tf-managed/${local.deploy_role}"]
+  }
+
+  statement {
+    sid    = "IamReadOnly"
+    effect = "Allow"
+    actions = [
+      "iam:GetPolicy",
+      "iam:GetPolicyVersion",
+      "iam:GetRole",
+      "iam:GetRolePolicy",
+      "iam:ListAttachedRolePolicies",
+      "iam:ListInstanceProfilesForRole",
+      "iam:ListPolicies",
+      "iam:ListPolicyVersions",
+      "iam:ListRolePolicies",
+      "iam:ListRoleTags",
+      "iam:ListRoles",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "DenySelfMutation"
+    effect = "Deny"
+    actions = [
+      "iam:AttachRolePolicy",
+      "iam:DeleteRole",
+      "iam:DeleteRolePolicy",
+      "iam:DeleteRolePermissionsBoundary",
+      "iam:DetachRolePolicy",
+      "iam:PutRolePolicy",
+      "iam:PutRolePermissionsBoundary",
+      "iam:UpdateAssumeRolePolicy",
+      "iam:UpdateRole",
+      "iam:UpdateRoleDescription",
+    ]
+    resources = [
+      "arn:aws:iam::${local.account_id}:role/hcptf-*",
+      "arn:aws:iam::${local.account_id}:role/github-cfn-execution-role",
+      "arn:aws:iam::${local.account_id}:role/githubdeploy-*",
+      "arn:aws:iam::${local.account_id}:role/cdk-hnb659fds-*",
+      "arn:aws:iam::${local.account_id}:role/OrganizationAccountAccessRole",
+      "arn:aws:iam::${local.account_id}:role/seahaven-*",
+    ]
+  }
+
+  statement {
+    sid    = "DenyBoundaryTampering"
+    effect = "Deny"
+    actions = [
+      "iam:DeleteRolePermissionsBoundary",
+      "iam:DeleteUserPermissionsBoundary",
+    ]
+    resources = [
+      "arn:aws:iam::${local.account_id}:role/*",
+      "arn:aws:iam::${local.account_id}:user/*",
+    ]
+  }
+
+  statement {
+    sid    = "DenyBoundaryPolicyEdit"
+    effect = "Deny"
+    actions = [
+      "iam:CreatePolicyVersion",
+      "iam:DeletePolicy",
+      "iam:DeletePolicyVersion",
+      "iam:SetDefaultPolicyVersion",
+    ]
+    resources = ["arn:aws:iam::${local.account_id}:policy/seahaven-*"]
+  }
+}
+
+data "aws_iam_policy_document" "hcptf_apply_services" {
+  # checkov:skip=CKV_AWS_111: List/describe, HTTP API log delivery, and VPC/NAT lifecycle APIs require Resource=*. Function, bucket, table, queue, secret, alarm, and SSM writes are ARN-prefixed.
+  statement {
+    sid    = "LambdaAll"
+    effect = "Allow"
+    actions = [
+      "lambda:*",
+    ]
+    resources = [
+      "arn:aws:lambda:${var.aws_region}:${local.account_id}:function:payments-*",
+    ]
+  }
+
+  statement {
+    sid    = "LambdaList"
+    effect = "Allow"
+    actions = [
+      "lambda:ListFunctions",
+      "lambda:ListLayers",
+      "lambda:GetAccountSettings",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "EventBridgeRules"
+    effect = "Allow"
+    actions = [
+      "events:*",
+    ]
+    resources = [
+      "arn:aws:events:${var.aws_region}:${local.account_id}:rule/${local.project}-*",
+    ]
+  }
+
+  statement {
+    sid       = "EventBridgeList"
+    effect    = "Allow"
+    actions   = ["events:ListRules", "events:ListRuleNamesByTarget"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "CloudWatchLogs"
+    effect = "Allow"
+    actions = [
+      "logs:CreateLogGroup",
+      "logs:DeleteLogGroup",
+      "logs:PutRetentionPolicy",
+      "logs:DeleteRetentionPolicy",
+      "logs:TagResource",
+      "logs:UntagResource",
+      "logs:ListTagsForResource",
+      "logs:PutMetricFilter",
+      "logs:DeleteMetricFilter",
+      "logs:DescribeMetricFilters",
+    ]
+    resources = [
+      "arn:aws:logs:${var.aws_region}:${local.account_id}:log-group:/aws/lambda/payments-*",
+      "arn:aws:logs:${var.aws_region}:${local.account_id}:log-group:/aws/apigateway/${local.project}",
+      "arn:aws:logs:${var.aws_region}:${local.account_id}:log-group:/aws/apigateway/${local.project}:*",
+    ]
+  }
+
+  statement {
+    sid       = "CloudWatchLogsDescribe"
+    effect    = "Allow"
+    actions   = ["logs:DescribeLogGroups"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "ApiGwAccessLogDelivery"
+    effect = "Allow"
+    actions = [
+      "logs:CreateLogDelivery",
+      "logs:GetLogDelivery",
+      "logs:UpdateLogDelivery",
+      "logs:DeleteLogDelivery",
+      "logs:ListLogDeliveries",
+      "logs:PutResourcePolicy",
+      "logs:DescribeResourcePolicies",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "StackBuckets"
+    effect = "Allow"
+    actions = [
+      "s3:*",
+    ]
+    resources = [
+      "arn:aws:s3:::${local.artifacts_bucket_name}",
+      "arn:aws:s3:::${local.artifacts_bucket_name}/*",
+      "arn:aws:s3:::${local.csv_bucket_name}",
+      "arn:aws:s3:::${local.csv_bucket_name}/*",
+      "arn:aws:s3:::${local.boa_raw_bucket_name}",
+      "arn:aws:s3:::${local.boa_raw_bucket_name}/*",
+    ]
+  }
+
+  statement {
+    sid    = "DynamoDBTable"
+    effect = "Allow"
+    actions = [
+      "dynamodb:*",
+    ]
+    resources = [
+      "arn:aws:dynamodb:${var.aws_region}:${local.account_id}:table/${local.table_name}",
+      "arn:aws:dynamodb:${var.aws_region}:${local.account_id}:table/${local.table_name}/*",
+    ]
+  }
+
+  statement {
+    sid       = "DynamoDBList"
+    effect    = "Allow"
+    actions   = ["dynamodb:ListTables"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "SqsDlq"
+    effect = "Allow"
+    actions = [
+      "sqs:*",
+    ]
+    resources = [
+      "arn:aws:sqs:${var.aws_region}:${local.account_id}:payments-processPaymentCsv-async-dlq",
+    ]
+  }
+
+  statement {
+    sid       = "SqsList"
+    effect    = "Allow"
+    actions   = ["sqs:ListQueues"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "HttpApiManage"
+    effect = "Allow"
+    actions = [
+      "apigateway:*",
+    ]
+    resources = [
+      "arn:aws:apigateway:${var.aws_region}::/apis",
+      "arn:aws:apigateway:${var.aws_region}::/apis/*",
+      "arn:aws:apigateway:${var.aws_region}::/tags/*",
+      "arn:aws:apigateway:${var.aws_region}::/vpclinks",
+      "arn:aws:apigateway:${var.aws_region}::/vpclinks/*",
+    ]
+  }
+
+  statement {
+    sid    = "PaymentsSsm"
+    effect = "Allow"
+    actions = [
+      "ssm:GetParameter",
+      "ssm:GetParameters",
+      "ssm:PutParameter",
+      "ssm:DeleteParameter",
+      "ssm:AddTagsToResource",
+      "ssm:RemoveTagsFromResource",
+      "ssm:ListTagsForResource",
+    ]
+    resources = [
+      "arn:aws:ssm:${var.aws_region}:${local.account_id}:parameter${local.ssm_prefix}/*",
+      "arn:aws:ssm:${var.aws_region}:${local.account_id}:parameter${local.dynamodb_cmk_ssm}",
+    ]
+  }
+
+  statement {
+    sid       = "SsmDescribeParameters"
+    effect    = "Allow"
+    actions   = ["ssm:DescribeParameters"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "SecretsManagerRead"
+    effect = "Allow"
+    actions = [
+      "secretsmanager:DescribeSecret",
+      "secretsmanager:GetResourcePolicy",
+      "secretsmanager:ListSecretVersionIds",
+      "secretsmanager:TagResource",
+      "secretsmanager:UntagResource",
+    ]
+    resources = [
+      "arn:aws:secretsmanager:${var.aws_region}:${local.account_id}:secret:payments-dashboard/*",
+    ]
+  }
+
+  statement {
+    sid       = "SecretsManagerList"
+    effect    = "Allow"
+    actions   = ["secretsmanager:ListSecrets"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "KmsTableCmk"
+    effect = "Allow"
+    actions = [
+      "kms:DescribeKey",
+      "kms:GetKeyPolicy",
+      "kms:ListResourceTags",
+      "kms:CreateGrant",
+      "kms:ListGrants",
+      "kms:RetireGrant",
+    ]
+    resources = [data.aws_ssm_parameter.dynamodb_cmk.value]
+  }
+
+  statement {
+    sid    = "CloudWatchAlarms"
+    effect = "Allow"
+    actions = [
+      "cloudwatch:PutMetricAlarm",
+      "cloudwatch:DeleteAlarms",
+      "cloudwatch:DescribeAlarms",
+      "cloudwatch:TagResource",
+      "cloudwatch:UntagResource",
+      "cloudwatch:ListTagsForResource",
+    ]
+    resources = [
+      "arn:aws:cloudwatch:${var.aws_region}:${local.account_id}:alarm:payments-*",
+    ]
+  }
+
+  statement {
+    sid       = "CloudWatchDescribeAlarms"
+    effect    = "Allow"
+    actions   = ["cloudwatch:DescribeAlarms"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "SnsPublishSiteAlerts"
+    effect = "Allow"
+    actions = [
+      "sns:Publish",
+      "sns:GetTopicAttributes",
+      "sns:ListTagsForResource",
+    ]
+    resources = [local.site_alerts_arn]
+  }
+
+  statement {
+    sid    = "ManageTfManagedBoundary"
+    effect = "Allow"
+    actions = [
+      "iam:GetPolicy",
+      "iam:GetPolicyVersion",
+      "iam:ListPolicyVersions",
+      "iam:ListPolicyTags",
+      "iam:TagPolicy",
+      "iam:UntagPolicy",
+    ]
+    resources = [
+      "arn:aws:iam::${local.account_id}:policy/tf-managed/${local.stack_prefix}*",
+    ]
+  }
+
+  statement {
+    sid    = "Ec2VpcManagement"
+    effect = "Allow"
+    actions = [
+      "ec2:AllocateAddress",
+      "ec2:AssociateRouteTable",
+      "ec2:AttachInternetGateway",
+      "ec2:AuthorizeSecurityGroupEgress",
+      "ec2:AuthorizeSecurityGroupIngress",
+      "ec2:CreateInternetGateway",
+      "ec2:CreateNatGateway",
+      "ec2:CreateRoute",
+      "ec2:CreateRouteTable",
+      "ec2:CreateSecurityGroup",
+      "ec2:CreateSubnet",
+      "ec2:CreateVpc",
+      "ec2:CreateVpcEndpoint",
+      "ec2:CreateTags",
+      "ec2:DeleteInternetGateway",
+      "ec2:DeleteNatGateway",
+      "ec2:DeleteRoute",
+      "ec2:DeleteRouteTable",
+      "ec2:DeleteSecurityGroup",
+      "ec2:DeleteSubnet",
+      "ec2:DeleteVpc",
+      "ec2:DeleteVpcEndpoints",
+      "ec2:DescribeAccountAttributes",
+      "ec2:DescribeAddresses",
+      "ec2:DescribeAvailabilityZones",
+      "ec2:DescribeInternetGateways",
+      "ec2:DescribeNatGateways",
+      "ec2:DescribeNetworkInterfaces",
+      "ec2:DescribeRouteTables",
+      "ec2:DescribeSecurityGroupRules",
+      "ec2:DescribeSecurityGroups",
+      "ec2:DescribeSubnets",
+      "ec2:DescribeTags",
+      "ec2:DescribeVpcAttribute",
+      "ec2:DescribeVpcEndpoints",
+      "ec2:DescribeVpcs",
+      "ec2:DescribePrefixLists",
+      "ec2:DetachInternetGateway",
+      "ec2:DisassociateAddress",
+      "ec2:DisassociateRouteTable",
+      "ec2:ModifySubnetAttribute",
+      "ec2:ModifyVpcAttribute",
+      "ec2:ModifyVpcEndpoint",
+      "ec2:ReleaseAddress",
+      "ec2:RevokeSecurityGroupEgress",
+      "ec2:RevokeSecurityGroupIngress",
+      "ec2:UpdateSecurityGroupRuleDescriptionsEgress",
+      "ec2:UpdateSecurityGroupRuleDescriptionsIngress",
+    ]
+    resources = ["*"]
+  }
+}
+
+data "aws_iam_policy_document" "hcptf_plan_refresh" {
+  statement {
+    sid    = "RefreshIamRoles"
+    effect = "Allow"
+    actions = [
+      "iam:GetRole",
+      "iam:GetRolePolicy",
+      "iam:ListRolePolicies",
+      "iam:ListAttachedRolePolicies",
+      "iam:ListRoleTags",
+    ]
+    resources = [
+      "arn:aws:iam::${local.account_id}:role/tf-managed/${local.stack_prefix}*",
+      "arn:aws:iam::${local.account_id}:role/tf-managed/${local.deploy_role}",
+      "arn:aws:iam::${local.account_id}:role/${local.apply_role}",
+      "arn:aws:iam::${local.account_id}:role/${local.plan_role}",
+    ]
+  }
+
+  statement {
+    sid    = "RefreshManagedPolicies"
+    effect = "Allow"
+    actions = [
+      "iam:GetPolicy",
+      "iam:GetPolicyVersion",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "RefreshLambda"
+    effect = "Allow"
+    actions = [
+      "lambda:GetFunction",
+      "lambda:GetFunctionConfiguration",
+      "lambda:GetPolicy",
+      "lambda:GetFunctionCodeSigningConfig",
+      "lambda:GetFunctionConcurrency",
+      "lambda:GetFunctionEventInvokeConfig",
+      "lambda:GetFunctionUrlConfig",
+      "lambda:GetRuntimeManagementConfig",
+      "lambda:GetFunctionRecursionConfig",
+      "lambda:ListTags",
+      "lambda:ListVersionsByFunction",
+      "lambda:ListAliases",
+    ]
+    resources = [
+      "arn:aws:lambda:${var.aws_region}:${local.account_id}:function:payments-*",
+    ]
+  }
+
+  statement {
+    sid    = "RefreshLambdaList"
+    effect = "Allow"
+    actions = [
+      "lambda:ListFunctions",
+      "lambda:ListLayers",
+      "lambda:GetAccountSettings",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "RefreshBuckets"
+    effect = "Allow"
+    actions = [
+      "s3:GetAccelerateConfiguration",
+      "s3:GetAnalyticsConfiguration",
+      "s3:GetBucketAcl",
+      "s3:GetBucketCORS",
+      "s3:GetBucketLifecycleConfiguration",
+      "s3:GetBucketLocation",
+      "s3:GetBucketLogging",
+      "s3:GetBucketNotification",
+      "s3:GetBucketObjectLockConfiguration",
+      "s3:GetBucketOwnershipControls",
+      "s3:GetBucketPolicy",
+      "s3:GetBucketPolicyStatus",
+      "s3:GetBucketPublicAccessBlock",
+      "s3:GetBucketReplication",
+      "s3:GetBucketRequestPayment",
+      "s3:GetBucketTagging",
+      "s3:GetBucketVersioning",
+      "s3:GetBucketWebsite",
+      "s3:GetEncryptionConfiguration",
+      "s3:GetIntelligentTieringConfiguration",
+      "s3:GetInventoryConfiguration",
+      "s3:GetLifecycleConfiguration",
+      "s3:GetMetricsConfiguration",
+      "s3:GetObject",
+      "s3:GetObjectTagging",
+      "s3:GetObjectVersion",
+      "s3:GetReplicationConfiguration",
+      "s3:ListBucket",
+    ]
+    resources = [
+      "arn:aws:s3:::${local.artifacts_bucket_name}",
+      "arn:aws:s3:::${local.artifacts_bucket_name}/*",
+      "arn:aws:s3:::${local.csv_bucket_name}",
+      "arn:aws:s3:::${local.csv_bucket_name}/*",
+      "arn:aws:s3:::${local.boa_raw_bucket_name}",
+      "arn:aws:s3:::${local.boa_raw_bucket_name}/*",
+    ]
+  }
+
+  statement {
+    sid    = "RefreshDynamoDB"
+    effect = "Allow"
+    actions = [
+      "dynamodb:DescribeTable",
+      "dynamodb:DescribeTimeToLive",
+      "dynamodb:DescribeContinuousBackups",
+      "dynamodb:DescribeKinesisStreamingDestination",
+      "dynamodb:ListTagsOfResource",
+    ]
+    resources = [
+      "arn:aws:dynamodb:${var.aws_region}:${local.account_id}:table/${local.table_name}",
+    ]
+  }
+
+  statement {
+    sid    = "RefreshEventBridge"
+    effect = "Allow"
+    actions = [
+      "events:DescribeRule",
+      "events:ListTargetsByRule",
+      "events:ListTagsForResource",
+    ]
+    resources = [
+      "arn:aws:events:${var.aws_region}:${local.account_id}:rule/${local.project}-*",
+    ]
+  }
+
+  statement {
+    sid    = "RefreshLogs"
+    effect = "Allow"
+    actions = [
+      "logs:DescribeLogGroups",
+      "logs:ListTagsForResource",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "RefreshHttpApi"
+    effect = "Allow"
+    actions = [
+      "apigateway:GET",
+    ]
+    resources = [
+      "arn:aws:apigateway:${var.aws_region}::/apis",
+      "arn:aws:apigateway:${var.aws_region}::/apis/*",
+      "arn:aws:apigateway:${var.aws_region}::/tags/*",
+    ]
+  }
+
+  statement {
+    sid    = "RefreshSsm"
+    effect = "Allow"
+    actions = [
+      "ssm:GetParameter",
+      "ssm:GetParameters",
+      "ssm:ListTagsForResource",
+    ]
+    resources = [
+      "arn:aws:ssm:${var.aws_region}:${local.account_id}:parameter${local.ssm_prefix}/*",
+      "arn:aws:ssm:${var.aws_region}:${local.account_id}:parameter${local.dynamodb_cmk_ssm}",
+    ]
+  }
+
+  statement {
+    sid       = "RefreshSsmDescribeParameters"
+    effect    = "Allow"
+    actions   = ["ssm:DescribeParameters"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "RefreshSecrets"
+    effect = "Allow"
+    actions = [
+      "secretsmanager:DescribeSecret",
+      "secretsmanager:GetResourcePolicy",
+      "secretsmanager:ListSecretVersionIds",
+    ]
+    resources = [
+      "arn:aws:secretsmanager:${var.aws_region}:${local.account_id}:secret:payments-dashboard/*",
+    ]
+  }
+
+  statement {
+    sid       = "RefreshSecretsList"
+    effect    = "Allow"
+    actions   = ["secretsmanager:ListSecrets"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "RefreshAlarms"
+    effect = "Allow"
+    actions = [
+      "cloudwatch:DescribeAlarms",
+      "cloudwatch:ListTagsForResource",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "RefreshSns"
+    effect = "Allow"
+    actions = [
+      "sns:GetTopicAttributes",
+      "sns:ListTagsForResource",
+    ]
+    resources = [local.site_alerts_arn]
+  }
+
+  statement {
+    sid    = "RefreshSqs"
+    effect = "Allow"
+    actions = [
+      "sqs:GetQueueAttributes",
+      "sqs:GetQueueUrl",
+      "sqs:ListQueueTags",
+    ]
+    resources = [
+      "arn:aws:sqs:${var.aws_region}:${local.account_id}:payments-processPaymentCsv-async-dlq",
+    ]
+  }
+
+  statement {
+    sid    = "RefreshKms"
+    effect = "Allow"
+    actions = [
+      "kms:DescribeKey",
+      "kms:GetKeyPolicy",
+      "kms:ListResourceTags",
+    ]
+    resources = [data.aws_ssm_parameter.dynamodb_cmk.value]
+  }
+
+  statement {
+    sid    = "RefreshEc2"
+    effect = "Allow"
+    actions = [
+      "ec2:DescribeAddresses",
+      "ec2:DescribeAvailabilityZones",
+      "ec2:DescribeInternetGateways",
+      "ec2:DescribeNatGateways",
+      "ec2:DescribeNetworkInterfaces",
+      "ec2:DescribeRouteTables",
+      "ec2:DescribeSecurityGroupRules",
+      "ec2:DescribeSecurityGroups",
+      "ec2:DescribeSubnets",
+      "ec2:DescribeTags",
+      "ec2:DescribeVpcAttribute",
+      "ec2:DescribeVpcEndpoints",
+      "ec2:DescribeVpcs",
+      "ec2:DescribePrefixLists",
+    ]
+    resources = ["*"]
+  }
+}
+
+resource "aws_iam_role" "hcptf_apply" {
+  name                 = local.apply_role
+  assume_role_policy   = data.aws_iam_policy_document.hcptf_apply_trust.json
+  max_session_duration = 3600
+
+  tags = {
+    Owner     = "adam@seahavenind.com"
+    ManagedBy = "terraform"
+  }
+}
+
+resource "aws_iam_role" "hcptf_plan" {
+  name                 = local.plan_role
+  assume_role_policy   = data.aws_iam_policy_document.hcptf_plan_trust.json
+  max_session_duration = 3600
+
+  tags = {
+    Owner     = "adam@seahavenind.com"
+    ManagedBy = "terraform"
+  }
+}
+
+resource "aws_iam_role_policy" "hcptf_scoped_iam" {
+  name   = "scoped-iam-management"
+  role   = aws_iam_role.hcptf_apply.id
+  policy = data.aws_iam_policy_document.hcptf_scoped_iam.json
+}
+
+resource "aws_iam_role_policy" "hcptf_apply_services" {
+  # checkov:skip=CKV_AWS_111: List/describe, HTTP API log delivery, and VPC/NAT lifecycle APIs require Resource=*. Function, bucket, table, queue, secret, alarm, and SSM writes are ARN-prefixed.
+  name   = "payments-dashboard-services"
+  role   = aws_iam_role.hcptf_apply.id
+  policy = data.aws_iam_policy_document.hcptf_apply_services.json
+}
+
+resource "aws_iam_role_policy" "hcptf_plan_refresh" {
+  # checkov:skip=CKV_AWS_107: ViewOnlyAccess plus this sidecar is the org HCP plan-role pattern (PLAT-144 / afterhours). Sidecar Get* is scoped to this stack's roles, buckets, table, queues, functions, and parameters. It does not add iam:CreateAccessKey, secretsmanager:GetSecretValue, or ssm:GetParameter on *.
+  name   = "payments-dashboard-plan-refresh"
+  role   = aws_iam_role.hcptf_plan.id
+  policy = data.aws_iam_policy_document.hcptf_plan_refresh.json
+}
+
+resource "aws_iam_role_policy_attachment" "hcptf_plan_view_only" {
+  role       = aws_iam_role.hcptf_plan.name
+  policy_arn = "arn:aws:iam::aws:policy/job-function/ViewOnlyAccess"
+}
+
+resource "aws_iam_role_policy_attachments_exclusive" "hcptf_apply" {
+  role_name   = aws_iam_role.hcptf_apply.name
+  policy_arns = []
+}
+
+resource "aws_iam_role_policy_attachments_exclusive" "hcptf_plan" {
+  role_name = aws_iam_role.hcptf_plan.name
+  policy_arns = [
+    "arn:aws:iam::aws:policy/job-function/ViewOnlyAccess",
+  ]
+}
--- a/terraform/iam_github_deploy.tf
+++ b/terraform/iam_github_deploy.tf
@ -0,0 +1,103 @@
+# GitHub Actions OIDC role for .github/workflows/deploy.yaml.
+#
+# Trust is pinned three ways: aud, sub to Environment prod (immutable and
+# classic subject forms), and job_workflow_ref to deploy.yaml at
+# refs/heads/main only. No v* tags until a later release ticket.
+#
+# Not a Lambda execution role: no permissions_boundary. Path /tf-managed/ so
+# seahaven-hcptf-iam-management DenySelfMutation (role/githubdeploy-*) does not
+# match.
+
+data "aws_iam_policy_document" "github_deploy_assume" {
+  statement {
+    sid     = "GithubDeployOidc"
+    effect  = "Allow"
+    actions = ["sts:AssumeRoleWithWebIdentity"]
+
+    principals {
+      type        = "Federated"
+      identifiers = [local.github_oidc_provider_arn]
+    }
+
+    condition {
+      test     = "StringEquals"
+      variable = "token.actions.githubusercontent.com:aud"
+      values   = ["sts.amazonaws.com"]
+    }
+
+    condition {
+      test     = "StringEquals"
+      variable = "token.actions.githubusercontent.com:sub"
+      values = [
+        local.github_oidc_sub,
+        "repo:${var.github_repo}:environment:prod",
+      ]
+    }
+
+    condition {
+      test     = "StringEquals"
+      variable = "token.actions.githubusercontent.com:job_workflow_ref"
+      values = [
+        "${var.github_repo}/.github/workflows/deploy.yaml@refs/heads/${var.github_deploy_branch}",
+      ]
+    }
+  }
+}
+
+resource "aws_iam_role" "github_deploy" {
+  name                 = local.deploy_role
+  path                 = "/tf-managed/"
+  description          = "GitHub Actions Lambda deploy role for ${var.github_repo} Environment prod"
+  assume_role_policy   = data.aws_iam_policy_document.github_deploy_assume.json
+  max_session_duration = 3600
+}
+
+data "aws_iam_policy_document" "github_deploy" {
+  statement {
+    sid    = "ListArtifactsBucket"
+    effect = "Allow"
+    actions = [
+      "s3:GetBucketLocation",
+      "s3:ListBucket",
+    ]
+    resources = [aws_s3_bucket.artifacts.arn]
+  }
+
+  statement {
+    sid    = "UploadFunctionArtifacts"
+    effect = "Allow"
+    actions = [
+      "s3:GetObject",
+      "s3:PutObject",
+    ]
+    resources = ["${aws_s3_bucket.artifacts.arn}/functions/*"]
+  }
+
+  statement {
+    sid    = "UpdateFunctionCode"
+    effect = "Allow"
+    actions = [
+      "lambda:GetFunction",
+      "lambda:GetFunctionConfiguration",
+      "lambda:UpdateFunctionCode",
+    ]
+    resources = [for fn in local.functions : "arn:aws:lambda:${var.aws_region}:${local.account_id}:function:${fn.function_name}"]
+  }
+
+  statement {
+    sid    = "DeployParams"
+    effect = "Allow"
+    actions = [
+      "ssm:GetParameter",
+    ]
+    resources = [
+      "arn:aws:ssm:${var.aws_region}:${local.account_id}:parameter${local.ssm_prefix}/deploy/*",
+    ]
+  }
+}
+
+resource "aws_iam_role_policy" "github_deploy" {
+  name   = "payments-dashboard-deploy"
+  role   = aws_iam_role.github_deploy.id
+  policy = data.aws_iam_policy_document.github_deploy.json
+}
--- a/terraform/lambda.tf
+++ b/terraform/lambda.tf
@ -0,0 +1,250 @@
+# Terraform owns the function skeletons (role, runtime, memory, environment).
+# Code is owned by .github/workflows/deploy.yaml, which uploads
+# functions/<name>/<sha>.zip and calls update-function-code. The lifecycle
+# block is the seam: an app deploy is not drift, and a Terraform apply never
+# rolls the code back to the bootstrap stub.
+
+data "aws_iam_policy_document" "lambda_assume" {
+  statement {
+    effect  = "Allow"
+    actions = ["sts:AssumeRole"]
+
+    principals {
+      type        = "Service"
+      identifiers = ["lambda.amazonaws.com"]
+    }
+  }
+}
+
+locals {
+  table_arn = aws_dynamodb_table.dashboard.arn
+  cmk_arn   = data.aws_ssm_parameter.dynamodb_cmk.value
+
+  lambda_identity = {
+    process_csv = [
+      {
+        sid       = "CsvRead"
+        actions   = ["s3:GetObject", "s3:GetObjectVersion"]
+        resources = ["${aws_s3_bucket.csv.arn}/*"]
+      },
+      {
+        sid       = "DdbCrud"
+        actions   = ["dynamodb:GetItem", "dynamodb:PutItem", "dynamodb:UpdateItem", "dynamodb:DeleteItem", "dynamodb:Query", "dynamodb:Scan", "dynamodb:BatchGetItem", "dynamodb:BatchWriteItem", "dynamodb:DescribeTable", "dynamodb:ConditionCheckItem"]
+        resources = [local.table_arn, "${local.table_arn}/*"]
+      },
+      {
+        sid       = "Cmk"
+        actions   = ["kms:Decrypt", "kms:GenerateDataKey", "kms:DescribeKey"]
+        resources = [local.cmk_arn]
+      },
+      {
+        sid       = "BoaCheckMgmtSecret"
+        actions   = ["secretsmanager:GetSecretValue"]
+        resources = [local.secret_arns["payments-dashboard/boa-check-mgmt"]]
+      },
+      {
+        sid       = "DlqSend"
+        actions   = ["sqs:SendMessage"]
+        resources = [aws_sqs_queue.process_csv_dlq.arn]
+      },
+    ]
+    slack_app_home = [
+      {
+        sid       = "DdbRead"
+        actions   = ["dynamodb:GetItem", "dynamodb:Query", "dynamodb:Scan", "dynamodb:BatchGetItem", "dynamodb:DescribeTable"]
+        resources = [local.table_arn, "${local.table_arn}/*"]
+      },
+      {
+        sid       = "CmkDecrypt"
+        actions   = ["kms:Decrypt", "kms:DescribeKey"]
+        resources = [local.cmk_arn]
+      },
+      {
+        sid     = "SlackSecrets"
+        actions = ["secretsmanager:GetSecretValue"]
+        resources = [
+          local.secret_arns["payments-dashboard/slack-bot-token"],
+          local.secret_arns["payments-dashboard/slack-signing-secret"],
+        ]
+      },
+    ]
+    fetch_boa = [
+      {
+        sid       = "DdbCrud"
+        actions   = ["dynamodb:GetItem", "dynamodb:PutItem", "dynamodb:UpdateItem", "dynamodb:DeleteItem", "dynamodb:Query", "dynamodb:Scan", "dynamodb:BatchGetItem", "dynamodb:BatchWriteItem", "dynamodb:DescribeTable", "dynamodb:ConditionCheckItem"]
+        resources = [local.table_arn, "${local.table_arn}/*"]
+      },
+      {
+        sid       = "BoaRawPut"
+        actions   = ["s3:PutObject"]
+        resources = ["${aws_s3_bucket.boa_raw.arn}/*"]
+      },
+      {
+        sid       = "Cmk"
+        actions   = ["kms:Decrypt", "kms:GenerateDataKey", "kms:DescribeKey"]
+        resources = [local.cmk_arn]
+      },
+      {
+        sid       = "BoaReportingSecret"
+        actions   = ["secretsmanager:GetSecretValue"]
+        resources = [local.secret_arns["payments-dashboard/boa-reporting"]]
+      },
+    ]
+    expense_receiver = [
+      {
+        sid       = "InvokeProcessor"
+        actions   = ["lambda:InvokeFunction"]
+        resources = ["arn:aws:lambda:${var.aws_region}:${local.account_id}:function:payments-expenseProcessor"]
+      },
+      {
+        sid       = "ExpenseSigningSecret"
+        actions   = ["secretsmanager:GetSecretValue"]
+        resources = [local.secret_arns["payments-dashboard/expense-slack-signing-secret"]]
+      },
+    ]
+    expense_processor = [
+      {
+        sid       = "ExpenseBotSecret"
+        actions   = ["secretsmanager:GetSecretValue"]
+        resources = [local.secret_arns["payments-dashboard/expense-slack-token"]]
+      },
+    ]
+  }
+
+  lambda_env = {
+    process_csv = {
+      TABLE_NAME                 = aws_dynamodb_table.dashboard.name
+      BOA_BASE_URL               = var.boa_base_url
+      BOA_CHECK_MGMT_SECRET_NAME = "payments-dashboard/boa-check-mgmt"
+    }
+    slack_app_home = {
+      TABLE_NAME                  = aws_dynamodb_table.dashboard.name
+      SLACK_BOT_TOKEN_SECRET_NAME = "payments-dashboard/slack-bot-token"
+      SLACK_SIGNING_SECRET_NAME   = "payments-dashboard/slack-signing-secret"
+    }
+    fetch_boa = {
+      TABLE_NAME                = aws_dynamodb_table.dashboard.name
+      BOA_BASE_URL              = var.boa_base_url
+      BOA_REPORTING_SECRET_NAME = "payments-dashboard/boa-reporting"
+      BOA_RAW_BUCKET            = aws_s3_bucket.boa_raw.id
+    }
+    expense_receiver = {
+      TABLE_NAME                  = aws_dynamodb_table.dashboard.name
+      EXPENSE_PROCESSOR_FN        = "payments-expenseProcessor"
+      EXPENSE_SIGNING_SECRET_NAME = "payments-dashboard/expense-slack-signing-secret"
+    }
+    expense_processor = {
+      TABLE_NAME                    = aws_dynamodb_table.dashboard.name
+      EXPENSE_BOT_TOKEN_SECRET_NAME = "payments-dashboard/expense-slack-token"
+    }
+  }
+}
+
+resource "aws_iam_role" "lambda" {
+  for_each = local.functions
+
+  name                 = each.value.role_name
+  path                 = "/tf-managed/"
+  description          = "Lambda execution role for ${each.value.function_name}"
+  assume_role_policy   = data.aws_iam_policy_document.lambda_assume.json
+  permissions_boundary = aws_iam_policy.lambda_boundary.arn
+}
+
+data "aws_iam_policy_document" "lambda" {
+  for_each = local.functions
+
+  dynamic "statement" {
+    for_each = local.lambda_identity[each.key]
+
+    content {
+      sid       = statement.value.sid
+      effect    = "Allow"
+      actions   = statement.value.actions
+      resources = statement.value.resources
+    }
+  }
+}
+
+resource "aws_iam_role_policy" "lambda" {
+  for_each = local.functions
+
+  name   = each.key
+  role   = aws_iam_role.lambda[each.key].id
+  policy = data.aws_iam_policy_document.lambda[each.key].json
+}
+
+resource "aws_iam_role_policy_attachment" "lambda_basic" {
+  for_each = local.functions
+
+  role       = aws_iam_role.lambda[each.key].name
+  policy_arn = "arn:aws:iam::aws:policy/service-role/AWSLambdaBasicExecutionRole"
+}
+
+resource "aws_iam_role_policy_attachment" "lambda_vpc" {
+  for_each = { for k, v in local.functions : k => v if v.vpc }
+
+  role       = aws_iam_role.lambda[each.key].name
+  policy_arn = "arn:aws:iam::aws:policy/service-role/AWSLambdaVPCAccessExecutionRole"
+}
+
+resource "aws_lambda_function" "this" {
+  for_each = local.functions
+
+  function_name = each.value.function_name
+  role          = aws_iam_role.lambda[each.key].arn
+  handler       = each.value.handler
+  runtime       = "nodejs24.x"
+  architectures = ["arm64"]
+  memory_size   = 256
+  timeout       = each.value.timeout
+
+  s3_bucket        = aws_s3_bucket.artifacts.id
+  s3_key           = aws_s3_object.bootstrap_stub.key
+  source_code_hash = data.archive_file.bootstrap_stub.output_base64sha256
+
+  environment {
+    variables = local.lambda_env[each.key]
+  }
+
+  dynamic "vpc_config" {
+    for_each = each.value.vpc ? [1] : []
+
+    content {
+      subnet_ids         = [aws_subnet.private.id]
+      security_group_ids = [aws_security_group.lambda.id]
+    }
+  }
+
+  lifecycle {
+    ignore_changes = [filename, s3_bucket, s3_key, s3_object_version, source_code_hash]
+  }
+
+  depends_on = [
+    aws_cloudwatch_log_group.lambda,
+    aws_iam_role_policy.lambda,
+    aws_iam_role_policy_attachment.lambda_basic,
+    aws_iam_role_policy_attachment.lambda_vpc,
+    aws_nat_gateway.this,
+  ]
+}
+
+resource "aws_lambda_function_event_invoke_config" "process_csv" {
+  function_name                = aws_lambda_function.this["process_csv"].function_name
+  maximum_event_age_in_seconds = 21600
+  maximum_retry_attempts       = 2
+
+  destination_config {
+    on_failure {
+      destination = aws_sqs_queue.process_csv_dlq.arn
+    }
+  }
+}
+
+resource "aws_lambda_permission" "s3_csv" {
+  statement_id   = "AllowS3InvokeProcessCsv"
+  action         = "lambda:InvokeFunction"
+  function_name  = aws_lambda_function.this["process_csv"].function_name
+  principal      = "s3.amazonaws.com"
+  source_arn     = aws_s3_bucket.csv.arn
+  source_account = local.account_id
+}
--- a/terraform/lambda_boundary.tf
+++ b/terraform/lambda_boundary.tf
@ -0,0 +1,147 @@
+# Per-workload Lambda permissions boundary. Created on the first (bootstrap)
+# apply. The scoped apply role denies iam:CreatePolicy / CreatePolicyVersion,
+# so later edits to this document need the hcptf-bootstrap window.
+
+data "aws_iam_policy_document" "lambda_boundary" {
+  # checkov:skip=CKV_AWS_111: AWS requires Resource=* for logs:DescribeLogGroups, xray Put*, and EC2 ENI lifecycle used by VPC Lambdas. Secrets, table, CMK, buckets, DLQ, and invoke are ARN-pinned.
+  statement {
+    sid    = "CloudWatchLogsWrite"
+    effect = "Allow"
+    actions = [
+      "logs:CreateLogGroup",
+      "logs:CreateLogStream",
+      "logs:PutLogEvents",
+      "logs:DescribeLogStreams",
+    ]
+    resources = [
+      "arn:aws:logs:${var.aws_region}:${local.account_id}:log-group:/aws/lambda*",
+    ]
+  }
+
+  statement {
+    sid       = "CloudWatchLogsDescribe"
+    effect    = "Allow"
+    actions   = ["logs:DescribeLogGroups"]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "XRay"
+    effect = "Allow"
+    actions = [
+      "xray:PutTraceSegments",
+      "xray:PutTelemetryRecords",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "Ec2Eni"
+    effect = "Allow"
+    actions = [
+      "ec2:CreateNetworkInterface",
+      "ec2:DescribeNetworkInterfaces",
+      "ec2:DeleteNetworkInterface",
+      "ec2:DescribeSubnets",
+      "ec2:DescribeSecurityGroups",
+      "ec2:DescribeVpcs",
+    ]
+    resources = ["*"]
+  }
+
+  statement {
+    sid    = "PaymentsSecrets"
+    effect = "Allow"
+    actions = [
+      "secretsmanager:GetSecretValue",
+    ]
+    resources = [for arn in local.secret_arns : arn]
+  }
+
+  statement {
+    sid    = "PaymentsDynamoDB"
+    effect = "Allow"
+    actions = [
+      "dynamodb:GetItem",
+      "dynamodb:PutItem",
+      "dynamodb:UpdateItem",
+      "dynamodb:DeleteItem",
+      "dynamodb:Query",
+      "dynamodb:Scan",
+      "dynamodb:BatchGetItem",
+      "dynamodb:BatchWriteItem",
+      "dynamodb:DescribeTable",
+      "dynamodb:ConditionCheckItem",
+    ]
+    resources = [
+      "arn:aws:dynamodb:${var.aws_region}:${local.account_id}:table/${local.table_name}",
+      "arn:aws:dynamodb:${var.aws_region}:${local.account_id}:table/${local.table_name}/*",
+    ]
+  }
+
+  statement {
+    sid    = "PaymentsCmk"
+    effect = "Allow"
+    actions = [
+      "kms:Decrypt",
+      "kms:GenerateDataKey",
+      "kms:DescribeKey",
+    ]
+    resources = [data.aws_ssm_parameter.dynamodb_cmk.value]
+
+    condition {
+      test     = "StringEquals"
+      variable = "kms:ViaService"
+      values   = ["dynamodb.${var.aws_region}.amazonaws.com"]
+    }
+  }
+
+  statement {
+    sid    = "PaymentsCsvRead"
+    effect = "Allow"
+    actions = [
+      "s3:GetObject",
+      "s3:GetObjectVersion",
+    ]
+    resources = ["arn:aws:s3:::${local.csv_bucket_name}/*"]
+  }
+
+  statement {
+    sid    = "PaymentsBoaRawPut"
+    effect = "Allow"
+    actions = [
+      "s3:PutObject",
+    ]
+    resources = ["arn:aws:s3:::${local.boa_raw_bucket_name}/*"]
+  }
+
+  statement {
+    sid    = "PaymentsDlqSend"
+    effect = "Allow"
+    actions = [
+      "sqs:SendMessage",
+    ]
+    resources = [
+      "arn:aws:sqs:${var.aws_region}:${local.account_id}:payments-processPaymentCsv-async-dlq",
+    ]
+  }
+
+  statement {
+    sid    = "PaymentsInvokeExpenseProcessor"
+    effect = "Allow"
+    actions = [
+      "lambda:InvokeFunction",
+    ]
+    resources = [
+      "arn:aws:lambda:${var.aws_region}:${local.account_id}:function:payments-expenseProcessor",
+    ]
+  }
+}
+
+resource "aws_iam_policy" "lambda_boundary" {
+  # checkov:skip=CKV_AWS_111: AWS requires Resource=* for logs:DescribeLogGroups, xray Put*, and EC2 ENI lifecycle used by VPC Lambdas. Secrets, table, CMK, buckets, DLQ, and invoke are ARN-pinned.
+  name        = "payments-dashboard-lambda-boundary"
+  path        = "/tf-managed/"
+  description = "Per-workload Lambda permissions boundary for payments-dashboard (PLAT-79)."
+  policy      = data.aws_iam_policy_document.lambda_boundary.json
+}
--- a/terraform/locals.tf
+++ b/terraform/locals.tf
@ -0,0 +1,77 @@
+locals {
+  project     = "payments-dashboard"
+  account_id  = "011934824531"
+  environment = "prod"
+
+  hcp_project   = "seahaven-prod"
+  hcp_workspace = "payments-dashboard-prod"
+  apply_role    = "hcptf-payments-dashboard"
+  plan_role     = "hcptf-payments-dashboard-plan"
+  deploy_role   = "githubdeploy-payments-dashboard"
+  stack_name    = local.project
+  stack_prefix  = "payments-dashboard-"
+
+  artifacts_bucket_name = "payments-dashboard-artifacts-${local.account_id}"
+  csv_bucket_name       = "seahaven-payments-csv-${local.account_id}"
+  boa_raw_bucket_name   = "seahaven-payments-boa-raw-${local.account_id}"
+  ssm_prefix            = "/payments-dashboard"
+  table_name            = "PaymentsDashboard"
+  site_alerts_arn       = "arn:aws:sns:${var.aws_region}:${local.account_id}:site-alerts"
+  dynamodb_cmk_ssm      = "/seahaven/dynamodb/cmk-arn"
+
+  github_oidc_provider_arn = "arn:aws:iam::${local.account_id}:oidc-provider/token.actions.githubusercontent.com"
+  # Org has Actions OIDC use_immutable_subject=true.
+  github_oidc_sub = "repo:Sea-Haven-Industries@183236204/payments-dashboard@1206210946:environment:prod"
+
+  secret_names = [
+    "payments-dashboard/slack-bot-token",
+    "payments-dashboard/slack-signing-secret",
+    "payments-dashboard/boa-check-mgmt",
+    "payments-dashboard/boa-reporting",
+    "payments-dashboard/expense-slack-token",
+    "payments-dashboard/expense-slack-signing-secret",
+  ]
+
+  functions = {
+    process_csv = {
+      function_name = "payments-processPaymentCsv"
+      role_name     = "payments-dashboard-process-csv"
+      handler       = "src/processPaymentCsv.handler"
+      timeout       = 120
+      duration_ms   = 96000
+      vpc           = true
+    }
+    slack_app_home = {
+      function_name = "payments-slackAppHome"
+      role_name     = "payments-dashboard-slack-app-home"
+      handler       = "src/slackAppHome.handler"
+      timeout       = 30
+      duration_ms   = 24000
+      vpc           = true
+    }
+    fetch_boa = {
+      function_name = "payments-fetchBoaTransactions"
+      role_name     = "payments-dashboard-fetch-boa"
+      handler       = "src/fetchBoaTransactions.handler"
+      timeout       = 60
+      duration_ms   = 48000
+      vpc           = true
+    }
+    expense_receiver = {
+      function_name = "payments-expenseReceiver"
+      role_name     = "payments-dashboard-expense-receiver"
+      handler       = "src/expenseReceiver.handler"
+      timeout       = 5
+      duration_ms   = 4000
+      vpc           = false
+    }
+    expense_processor = {
+      function_name = "payments-expenseProcessor"
+      role_name     = "payments-dashboard-expense-processor"
+      handler       = "src/expenseProcessor.handler"
+      timeout       = 15
+      duration_ms   = 12000
+      vpc           = false
+    }
+  }
+}
--- a/terraform/logs.tf
+++ b/terraform/logs.tf
@ -0,0 +1,11 @@
+resource "aws_cloudwatch_log_group" "lambda" {
+  for_each = local.functions
+
+  name              = "/aws/lambda/${each.value.function_name}"
+  retention_in_days = 60
+}
+
+resource "aws_cloudwatch_log_group" "api_access" {
+  name              = "/aws/apigateway/${local.project}"
+  retention_in_days = 90
+}
--- a/terraform/outputs.tf
+++ b/terraform/outputs.tf
@ -0,0 +1,54 @@
+output "slack_request_url" {
+  description = "Slack App Home Request URL."
+  value       = "${aws_apigatewayv2_api.http.api_endpoint}/slack/events"
+}
+
+output "expense_slack_events_url" {
+  description = "Expense Approval Bot Slack Request URL."
+  value       = "${aws_apigatewayv2_api.http.api_endpoint}/slack/expense-events"
+}
+
+output "api_origin" {
+  description = "HTTP API origin."
+  value       = aws_apigatewayv2_api.http.api_endpoint
+}
+
+output "csv_bucket_name" {
+  description = "S3 bucket for Stampli CSV uploads."
+  value       = aws_s3_bucket.csv.id
+}
+
+output "boa_raw_bucket_name" {
+  description = "Retain-protected BoA raw archive bucket."
+  value       = aws_s3_bucket.boa_raw.id
+}
+
+output "static_outbound_ip" {
+  description = "NAT EIP for Bank of America CashPro IP whitelist."
+  value       = aws_eip.nat.public_ip
+}
+
+output "table_name" {
+  description = "DynamoDB table name."
+  value       = aws_dynamodb_table.dashboard.name
+}
+
+output "github_deploy_role_arn" {
+  description = "OIDC role ARN for .github/workflows/deploy.yaml (GitHub Environment prod variable DEPLOY_ROLE_ARN)."
+  value       = aws_iam_role.github_deploy.arn
+}
+
+output "artifacts_bucket_name" {
+  description = "Lambda artifacts bucket. deploy.yaml uploads functions/<name>/<sha>.zip."
+  value       = aws_s3_bucket.artifacts.id
+}
+
+output "hcptf_apply_role_arn" {
+  description = "HCP apply role ARN. Set TFC_AWS_APPLY_ROLE_ARN after the bootstrap window."
+  value       = aws_iam_role.hcptf_apply.arn
+}
+
+output "hcptf_plan_role_arn" {
+  description = "HCP plan role ARN. Set TFC_AWS_PLAN_ROLE_ARN after the bootstrap window."
+  value       = aws_iam_role.hcptf_plan.arn
+}
--- a/terraform/providers.tf
+++ b/terraform/providers.tf
@ -0,0 +1,12 @@
+provider "aws" {
+  region = var.aws_region
+
+  default_tags {
+    tags = {
+      Project     = local.project
+      Environment = "prod"
+      ManagedBy   = "terraform"
+      Workspace   = local.hcp_workspace
+    }
+  }
+}
--- a/terraform/s3.tf
+++ b/terraform/s3.tf
@ -0,0 +1,275 @@
+# Lambda artifacts bucket. Terraform ships only the bootstrap stub.
+# .github/workflows/deploy.yaml uploads functions/<name>/<sha>.zip and calls
+# update-function-code. Functions ignore code attributes afterwards.
+
+resource "aws_s3_bucket" "artifacts" {
+  bucket = local.artifacts_bucket_name
+
+  tags = {
+    Purpose = "Lambda deployment packages for payments-dashboard"
+  }
+}
+
+resource "aws_s3_bucket_public_access_block" "artifacts" {
+  bucket = aws_s3_bucket.artifacts.id
+
+  block_public_acls       = true
+  block_public_policy     = true
+  ignore_public_acls      = true
+  restrict_public_buckets = true
+}
+
+resource "aws_s3_bucket_ownership_controls" "artifacts" {
+  bucket = aws_s3_bucket.artifacts.id
+
+  rule {
+    object_ownership = "BucketOwnerEnforced"
+  }
+}
+
+resource "aws_s3_bucket_server_side_encryption_configuration" "artifacts" {
+  bucket = aws_s3_bucket.artifacts.id
+
+  rule {
+    apply_server_side_encryption_by_default {
+      sse_algorithm = "AES256"
+    }
+  }
+}
+
+resource "aws_s3_bucket_versioning" "artifacts" {
+  bucket = aws_s3_bucket.artifacts.id
+
+  versioning_configuration {
+    status = "Enabled"
+  }
+}
+
+resource "aws_s3_bucket_lifecycle_configuration" "artifacts" {
+  bucket = aws_s3_bucket.artifacts.id
+
+  rule {
+    id     = "expire-noncurrent-packages"
+    status = "Enabled"
+
+    filter {}
+
+    noncurrent_version_expiration {
+      noncurrent_days = 180
+    }
+  }
+
+  rule {
+    id     = "abort-incomplete-multipart"
+    status = "Enabled"
+
+    filter {}
+
+    abort_incomplete_multipart_upload {
+      days_after_initiation = 7
+    }
+  }
+
+  depends_on = [aws_s3_bucket_versioning.artifacts]
+}
+
+data "aws_iam_policy_document" "artifacts" {
+  statement {
+    sid    = "DenyInsecureTransport"
+    effect = "Deny"
+
+    principals {
+      type        = "*"
+      identifiers = ["*"]
+    }
+
+    actions = ["s3:*"]
+    resources = [
+      aws_s3_bucket.artifacts.arn,
+      "${aws_s3_bucket.artifacts.arn}/*",
+    ]
+
+    condition {
+      test     = "Bool"
+      variable = "aws:SecureTransport"
+      values   = ["false"]
+    }
+  }
+}
+
+resource "aws_s3_bucket_policy" "artifacts" {
+  bucket = aws_s3_bucket.artifacts.id
+  policy = data.aws_iam_policy_document.artifacts.json
+
+  depends_on = [aws_s3_bucket_public_access_block.artifacts]
+}
+
+data "archive_file" "bootstrap_stub" {
+  type        = "zip"
+  source_dir  = "${path.module}/bootstrap/stub"
+  output_path = "${path.module}/build/packages/bootstrap-stub.zip"
+}
+
+resource "aws_s3_object" "bootstrap_stub" {
+  bucket         = aws_s3_bucket.artifacts.id
+  key            = "functions/bootstrap-stub.zip"
+  content_base64 = filebase64(data.archive_file.bootstrap_stub.output_path)
+  source_hash    = data.archive_file.bootstrap_stub.output_base64sha256
+}
+
+resource "aws_s3_bucket" "csv" {
+  bucket = local.csv_bucket_name
+
+  tags = {
+    Purpose = "Stampli payment CSV drop folder"
+  }
+}
+
+resource "aws_s3_bucket_public_access_block" "csv" {
+  bucket = aws_s3_bucket.csv.id
+
+  block_public_acls       = true
+  block_public_policy     = true
+  ignore_public_acls      = true
+  restrict_public_buckets = true
+}
+
+resource "aws_s3_bucket_ownership_controls" "csv" {
+  bucket = aws_s3_bucket.csv.id
+
+  rule {
+    object_ownership = "BucketOwnerEnforced"
+  }
+}
+
+resource "aws_s3_bucket_server_side_encryption_configuration" "csv" {
+  bucket = aws_s3_bucket.csv.id
+
+  rule {
+    apply_server_side_encryption_by_default {
+      sse_algorithm = "AES256"
+    }
+  }
+}
+
+data "aws_iam_policy_document" "csv" {
+  statement {
+    sid    = "DenyInsecureTransport"
+    effect = "Deny"
+
+    principals {
+      type        = "*"
+      identifiers = ["*"]
+    }
+
+    actions   = ["s3:*"]
+    resources = [aws_s3_bucket.csv.arn, "${aws_s3_bucket.csv.arn}/*"]
+
+    condition {
+      test     = "Bool"
+      variable = "aws:SecureTransport"
+      values   = ["false"]
+    }
+  }
+}
+
+resource "aws_s3_bucket_policy" "csv" {
+  bucket = aws_s3_bucket.csv.id
+  policy = data.aws_iam_policy_document.csv.json
+
+  depends_on = [aws_s3_bucket_public_access_block.csv]
+}
+
+resource "aws_s3_bucket" "boa_raw" {
+  bucket = local.boa_raw_bucket_name
+
+  tags = {
+    Purpose = "BoA reporting API raw archive"
+  }
+
+  lifecycle {
+    prevent_destroy = true
+  }
+}
+
+resource "aws_s3_bucket_public_access_block" "boa_raw" {
+  bucket = aws_s3_bucket.boa_raw.id
+
+  block_public_acls       = true
+  block_public_policy     = true
+  ignore_public_acls      = true
+  restrict_public_buckets = true
+}
+
+resource "aws_s3_bucket_ownership_controls" "boa_raw" {
+  bucket = aws_s3_bucket.boa_raw.id
+
+  rule {
+    object_ownership = "BucketOwnerEnforced"
+  }
+}
+
+resource "aws_s3_bucket_server_side_encryption_configuration" "boa_raw" {
+  bucket = aws_s3_bucket.boa_raw.id
+
+  rule {
+    apply_server_side_encryption_by_default {
+      sse_algorithm = "AES256"
+    }
+  }
+}
+
+resource "aws_s3_bucket_lifecycle_configuration" "boa_raw" {
+  bucket = aws_s3_bucket.boa_raw.id
+
+  rule {
+    id     = "expire-raw-responses"
+    status = "Enabled"
+
+    filter {}
+
+    expiration {
+      days = 730
+    }
+  }
+}
+
+data "aws_iam_policy_document" "boa_raw" {
+  statement {
+    sid    = "DenyInsecureTransport"
+    effect = "Deny"
+
+    principals {
+      type        = "*"
+      identifiers = ["*"]
+    }
+
+    actions   = ["s3:*"]
+    resources = [aws_s3_bucket.boa_raw.arn, "${aws_s3_bucket.boa_raw.arn}/*"]
+
+    condition {
+      test     = "Bool"
+      variable = "aws:SecureTransport"
+      values   = ["false"]
+    }
+  }
+}
+
+resource "aws_s3_bucket_policy" "boa_raw" {
+  bucket = aws_s3_bucket.boa_raw.id
+  policy = data.aws_iam_policy_document.boa_raw.json
+
+  depends_on = [aws_s3_bucket_public_access_block.boa_raw]
+}
+
+resource "aws_s3_bucket_notification" "csv" {
+  bucket = aws_s3_bucket.csv.id
+
+  lambda_function {
+    lambda_function_arn = aws_lambda_function.this["process_csv"].arn
+    events              = ["s3:ObjectCreated:*"]
+    filter_suffix       = ".csv"
+  }
+
+  depends_on = [aws_lambda_permission.s3_csv]
+}
--- a/terraform/secrets.tf
+++ b/terraform/secrets.tf
@ -0,0 +1,8 @@
+data "aws_secretsmanager_secret" "this" {
+  for_each = toset(local.secret_names)
+  name     = each.value
+}
+
+locals {
+  secret_arns = { for name, secret in data.aws_secretsmanager_secret.this : name => secret.arn }
+}
--- a/terraform/ssm.tf
+++ b/terraform/ssm.tf
@ -0,0 +1,15 @@
+resource "aws_ssm_parameter" "deploy_artifacts_bucket" {
+  name        = "${local.ssm_prefix}/deploy/artifacts-bucket"
+  type        = "String"
+  value       = aws_s3_bucket.artifacts.id
+  description = "Lambda artifacts bucket; deploy.yaml uploads functions/<name>/<sha>.zip"
+}
+
+resource "aws_ssm_parameter" "deploy_function_name" {
+  for_each = local.functions
+
+  name        = "${local.ssm_prefix}/deploy/${each.key}-function-name"
+  type        = "String"
+  value       = each.value.function_name
+  description = "Lambda function name for ${each.key}; deploy.yaml calls update-function-code"
+}
--- a/terraform/variables.tf
+++ b/terraform/variables.tf
@ -0,0 +1,29 @@
+variable "aws_region" {
+  description = "Region every resource in this configuration is created in."
+  type        = string
+  default     = "us-east-1"
+}
+
+variable "schedules_enabled" {
+  description = "When false, EventBridge rules exist but do not fire. Keep false until Slack and the Stampli uploader point at this stack."
+  type        = bool
+  default     = false
+}
+
+variable "github_repo" {
+  description = "GitHub owner/name for the deploy OIDC trust."
+  type        = string
+  default     = "Sea-Haven-Industries/payments-dashboard"
+}
+
+variable "github_deploy_branch" {
+  description = "Git branch pinned in job_workflow_ref for the deploy role."
+  type        = string
+  default     = "main"
+}
+
+variable "boa_base_url" {
+  description = "Bank of America CashPro API base URL."
+  type        = string
+  default     = "https://api.bofa.com"
+}
--- a/terraform/versions.tf
+++ b/terraform/versions.tf
@ -0,0 +1,22 @@
+terraform {
+  required_version = ">= 1.14.0"
+
+  required_providers {
+    aws = {
+      source  = "hashicorp/aws"
+      version = "~> 6.64"
+    }
+    archive = {
+      source  = "hashicorp/archive"
+      version = "~> 2.8"
+    }
+  }
+
+  cloud {
+    organization = "seahaven"
+
+    workspaces {
+      name = "payments-dashboard-prod"
+    }
+  }
+}
--- a/terraform/vpc.tf
+++ b/terraform/vpc.tf
@ -0,0 +1,145 @@
+data "aws_availability_zones" "available" {
+  state = "available"
+}
+
+resource "aws_vpc" "this" {
+  cidr_block           = "10.20.0.0/16"
+  enable_dns_support   = true
+  enable_dns_hostnames = true
+
+  tags = {
+    Name = "payments-dashboard-vpc"
+  }
+}
+
+resource "aws_subnet" "private" {
+  vpc_id            = aws_vpc.this.id
+  cidr_block        = "10.20.1.0/24"
+  availability_zone = data.aws_availability_zones.available.names[0]
+
+  tags = {
+    Name = "payments-dashboard-private"
+  }
+}
+
+resource "aws_subnet" "public" {
+  vpc_id            = aws_vpc.this.id
+  cidr_block        = "10.20.2.0/24"
+  availability_zone = data.aws_availability_zones.available.names[0]
+
+  tags = {
+    Name = "payments-dashboard-public"
+  }
+}
+
+resource "aws_internet_gateway" "this" {
+  vpc_id = aws_vpc.this.id
+
+  tags = {
+    Name = "payments-dashboard-igw"
+  }
+}
+
+resource "aws_eip" "nat" {
+  domain = "vpc"
+
+  tags = {
+    Name = "payments-dashboard-nat"
+  }
+
+  depends_on = [aws_internet_gateway.this]
+}
+
+resource "aws_nat_gateway" "this" {
+  allocation_id = aws_eip.nat.id
+  subnet_id     = aws_subnet.public.id
+
+  tags = {
+    Name = "payments-dashboard-nat"
+  }
+
+  depends_on = [aws_internet_gateway.this]
+}
+
+resource "aws_route_table" "public" {
+  vpc_id = aws_vpc.this.id
+
+  tags = {
+    Name = "payments-dashboard-public"
+  }
+}
+
+resource "aws_route" "public_default" {
+  route_table_id         = aws_route_table.public.id
+  destination_cidr_block = "0.0.0.0/0"
+  gateway_id             = aws_internet_gateway.this.id
+}
+
+resource "aws_route_table_association" "public" {
+  subnet_id      = aws_subnet.public.id
+  route_table_id = aws_route_table.public.id
+}
+
+resource "aws_route_table" "private" {
+  vpc_id = aws_vpc.this.id
+
+  tags = {
+    Name = "payments-dashboard-private"
+  }
+}
+
+resource "aws_route" "private_default" {
+  route_table_id         = aws_route_table.private.id
+  destination_cidr_block = "0.0.0.0/0"
+  nat_gateway_id         = aws_nat_gateway.this.id
+}
+
+resource "aws_route_table_association" "private" {
+  subnet_id      = aws_subnet.private.id
+  route_table_id = aws_route_table.private.id
+}
+
+resource "aws_vpc_endpoint" "s3" {
+  vpc_id            = aws_vpc.this.id
+  service_name      = "com.amazonaws.${var.aws_region}.s3"
+  vpc_endpoint_type = "Gateway"
+  route_table_ids = [
+    aws_route_table.public.id,
+    aws_route_table.private.id,
+  ]
+
+  tags = {
+    Name = "payments-dashboard-s3"
+  }
+}
+
+resource "aws_vpc_endpoint" "dynamodb" {
+  vpc_id            = aws_vpc.this.id
+  service_name      = "com.amazonaws.${var.aws_region}.dynamodb"
+  vpc_endpoint_type = "Gateway"
+  route_table_ids = [
+    aws_route_table.public.id,
+    aws_route_table.private.id,
+  ]
+
+  tags = {
+    Name = "payments-dashboard-dynamodb"
+  }
+}
+
+resource "aws_security_group" "lambda" {
+  name        = "payments-dashboard-lambda"
+  description = "Payments Dashboard Lambda outbound access"
+  vpc_id      = aws_vpc.this.id
+
+  tags = {
+    Name = "payments-dashboard-lambda"
+  }
+}
+
+resource "aws_vpc_security_group_egress_rule" "lambda_all" {
+  security_group_id = aws_security_group.lambda.id
+  ip_protocol       = "-1"
+  cidr_ipv4         = "0.0.0.0/0"
+  description       = "All outbound for BoA and AWS APIs"
+}
--- a/tests/infra/hcpContract.test.js
+++ b/tests/infra/hcpContract.test.js
@ -0,0 +1,96 @@
+import assert from "node:assert/strict";
+import { existsSync, readFileSync } from "node:fs";
+import { dirname, join } from "node:path";
+import { describe, it } from "node:test";
+import { fileURLToPath } from "node:url";
+
+const ROOT = join(dirname(fileURLToPath(import.meta.url)), "..", "..");
+const TERRAFORM = join(ROOT, "terraform");
+const lambdaTf = readFileSync(join(TERRAFORM, "lambda.tf"), "utf8");
+const hcpIam = readFileSync(join(TERRAFORM, "hcp_iam.tf"), "utf8");
+const deploy = readFileSync(join(ROOT, ".github", "workflows", "deploy.yaml"), "utf8");
+const ci = readFileSync(join(ROOT, ".github", "workflows", "ci.yaml"), "utf8");
+const locals = readFileSync(join(TERRAFORM, "locals.tf"), "utf8");
+const variables = readFileSync(join(TERRAFORM, "variables.tf"), "utf8");
+const versions = readFileSync(join(TERRAFORM, "versions.tf"), "utf8");
+const githubDeploy = readFileSync(join(TERRAFORM, "iam_github_deploy.tf"), "utf8");
+
+describe("HCP Terraform seam (PLAT-79)", () => {
+  it("removes the SAM template", () => {
+    assert.equal(existsSync(join(ROOT, "template.yaml")), false);
+    assert.equal(existsSync(join(ROOT, "samconfig.toml.example")), false);
+  });
+
+  it("ignores Lambda code attributes so zip CD is not drift", () => {
+    for (const attr of ["filename", "s3_bucket", "s3_key", "s3_object_version", "source_code_hash"]) {
+      assert.match(lambdaTf, new RegExp(attr));
+    }
+    assert.match(lambdaTf, /lifecycle/);
+    assert.match(lambdaTf, /ignore_changes/);
+  });
+
+  it("keeps schedules disabled by default", () => {
+    const chunk = variables.split('variable "schedules_enabled"')[1].split("variable ")[0];
+    assert.match(chunk, /default\s+= false/);
+  });
+
+  it("is prod-only", () => {
+    assert.match(versions, /payments-dashboard-prod/);
+    assert.doesNotMatch(versions, /payments-dashboard-dev/);
+    assert.match(locals, /environment = "prod"/);
+    assert.doesNotMatch(locals, /seahaven-dev/);
+  });
+
+  it("declares in-repo hcptf roles", () => {
+    assert.match(locals, /apply_role\s+= "hcptf-payments-dashboard"/);
+    assert.match(locals, /plan_role\s+= "hcptf-payments-dashboard-plan"/);
+    assert.match(hcpIam, /hcptf_apply/);
+    assert.match(hcpIam, /DenyCreatePolicy/);
+  });
+
+  it("uses prod zip CD without SAM or GitHub Releases", () => {
+    assert.doesNotMatch(deploy, /release: published/);
+    assert.doesNotMatch(deploy, /cd-sam/);
+    assert.match(deploy, /environment: prod/);
+    assert.match(deploy, /deploy-payments-dashboard-prod/);
+    assert.doesNotMatch(deploy, /gh release create/);
+    assert.match(deploy, /package_lambdas\.mjs/);
+    assert.match(deploy, /update-function-code/);
+  });
+
+  it("runs npm test and terraform validate behind ci / ci", () => {
+    assert.doesNotMatch(ci, /ci-typescript-cdk/);
+    assert.doesNotMatch(ci, /run-sam-validate/);
+    assert.match(ci, /npm test/);
+    assert.match(ci, /terraform fmt -check/);
+    assert.match(ci, /terraform init -backend=false/);
+    assert.match(ci, /terraform validate/);
+    assert.match(ci, /name: ci \/ ci/);
+  });
+
+  it("names the five live functions", () => {
+    for (const name of [
+      "payments-processPaymentCsv",
+      "payments-slackAppHome",
+      "payments-fetchBoaTransactions",
+      "payments-expenseReceiver",
+      "payments-expenseProcessor",
+    ]) {
+      assert.match(locals, new RegExp(name));
+    }
+    assert.doesNotMatch(locals, /payments-processPayrollEmail/);
+  });
+
+  it("pins GitHub deploy trust to Environment prod", () => {
+    assert.match(githubDeploy, /environment:prod/);
+    assert.match(githubDeploy, /deploy.yaml@refs\/heads\/\$\{var.github_deploy_branch\}/);
+    assert.doesNotMatch(githubDeploy, /deploy.yaml@\*/);
+    assert.doesNotMatch(githubDeploy, /refs\/tags\/v\*/);
+  });
+
+  it("includes provider-6 S3 Get* needed for refresh", () => {
+    assert.match(hcpIam, /s3:GetLifecycleConfiguration/);
+    assert.match(hcpIam, /s3:GetReplicationConfiguration/);
+    assert.match(hcpIam, /s3:GetBucketReplication/);
+  });
+});