Start with the evidence
Capture its date, amount, original description and masked account reference. Ask who is likely to recognize the activity rather than guessing from a shortened merchant label.
Work through the example
A USD47 line appears with description SV-104. The next step is to identify its source document or service owner, not classify it as a subscription simply because the amount looks monthly.
Make the next step clear
Record the answer and supporting source when received. If it remains unresolved, keep a dated review task rather than burying the line under a generic category.
Keep the source context
These guides describe how to organize a statement review. They do not request bank credentials or imply that a bank connection can initiate transfers. Keep original descriptions and account references appropriately protected while preserving enough context for authorized review.