md file and gap fix

Distribution/docs/09_fraud_controls.md

@@ -0,0 +1,68 @@
+# 09 — Fraud Controls & Audit Trail
+
+**Status**: Not Started
+**Depends On**: 08 — Sales Agent Controls
+
+---
+
+## Goal
+
+
+
+---
+
+## Background / Context
+
+
+
+---
+
+## Data Model Changes
+
+### Audit Log Entry
+
+
+
+### Anomaly Flag
+
+
+
+### Return Approval Record
+
+
+
+---
+
+## API Endpoints
+
+
+
+---
+
+## Automated Checks & Flags
+
+
+
+---
+
+## Business Rules
+
+
+
+---
+
+## Fraud / Control Considerations
+
+
+
+---
+
+## Open Questions
+
+
+
+---
+
+## Implementation Notes
+
+> Fill this section in during planning discussion before writing any code.