customer-ops-specialist

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (high risk: 1.00). The skill explicitly defines billing and revenue workflows that perform financial actions: "Payment processing and reconciliation," "Dunning (failed payment recovery)," "Refund and credit processing," "Invoice generation and delivery," and "Subscription changes (upgrade/downgrade/cancel)." Those are concrete, finance-focused operations intended to move or adjust customer funds/charges (not merely generic tooling or advisory). Although no specific gateway names are listed, the primary and explicit purpose of the skill is handling billing/payment/refund execution, which qualifies as direct financial execution authority.