parsers/schwab: emit paired BUY for recent SELL (vest synthesis)

Schwab Stock Plan Services doesn't email vest-release confirmations to the employee inbox — only the same-day-sell trade-executed alert lands. The vest itself was invisible to broker-sync, so the META cadence panel in the wealth dashboard has been missing the May 2026 vest BUY and would keep missing every future vest. Synthesis: when a SELL email's trade date is on/after the configured boundary (default 2026-04-01), also emit a paired BUY with identical date/qty/price/symbol. Notes link the pair via the SELL's external_id. Verified true across 14 historical vests — 100% same-day-sell pattern, SELL qty == vest qty. Boundary stops the synthesis from back-filling vests prior to 2026-04 which already have csv-sourced BUY rows in Wealthfolio from the historical one-shot backfill (last vest 2026-02-18). The csv BUYs and inferred BUYs have distinct external_ids, so re-running against old emails would double-count without this guard. Override via env var `SCHWAB_VEST_INFER_FROM_DATE=yyyy-mm-dd` on the broker-sync-imap cron. Tests: 4 new cases — recent SELL pairs, old SELL doesn't pair, env override works, BUY-direction emails (rare) don't get paired. Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
2026-05-27 10:02:07 +00:00 · 2026-05-27 10:02:07 +00:00 · 17c2a69c6c
commit 17c2a69c6c
parent abf9fa7cb5
2 changed files with 134 additions and 21 deletions
--- a/tests/providers/parsers/test_schwab.py
+++ b/tests/providers/parsers/test_schwab.py
@ -80,5 +80,66 @@ def test_external_id_is_stable_across_reruns() -> None:

 def test_price_with_commas_parses() -> None:
    html = _SELL.replace("$612.34", "$1,612.34")
-    a = parse_schwab_email(html)[0]
-    assert a.unit_price == Decimal("1612.34")
+    # The first activity is the inferred BUY (date 2025-01-23 ≥ 2026-04-01? no →
+    # only one activity for this old-dated email), so index 0 is the SELL.
+    acts = parse_schwab_email(html)
+    sell = next(a for a in acts if a.activity_type is ActivityType.SELL)
+    assert sell.unit_price == Decimal("1612.34")
+
+
+# --- Inferred vest BUY ---------------------------------------------------
+
+
+def _recent_sell(date_iso: str = "2026-05-19", qty: str = "55", price: str = "609.35") -> str:
+    return f"""
+<html><body><table>
+<tr><td class="dark-background-body" align="right">{date_iso}</td></tr>
+<tr><td class="dark-background-body" align="right">Sold</td></tr>
+<tr><td class="dark-background-body" align="right">{qty}</td></tr>
+<tr><td class="dark-background-body" align="right">META</td></tr>
+<tr><td class="dark-background-body" align="right">${price}</td></tr>
+</table></body></html>
+"""
+
+
+def test_recent_sell_emits_paired_buy() -> None:
+    """SELL dated on/after the synthesis boundary triggers a paired BUY."""
+    acts = parse_schwab_email(_recent_sell())
+    assert len(acts) == 2
+
+    buy = next(a for a in acts if a.activity_type is ActivityType.BUY)
+    sell = next(a for a in acts if a.activity_type is ActivityType.SELL)
+
+    assert buy.quantity == sell.quantity == Decimal("55")
+    assert buy.unit_price == sell.unit_price == Decimal("609.35")
+    assert buy.date == sell.date
+    assert buy.symbol == sell.symbol == "META"
+    assert "schwab-vest-inferred-from-same-day-sell" in (buy.notes or "")
+    assert buy.external_id == "schwab:vest:2026-05-19:META:BUY:55"
+    assert sell.external_id == "schwab:2026-05-19:META:SELL:55"
+
+
+def test_old_sell_emits_only_sell() -> None:
+    """SELL dated before 2026-04-01 (default boundary) skips the paired BUY —
+    those vests already have csv-sourced BUY rows in Wealthfolio."""
+    acts = parse_schwab_email(_recent_sell(date_iso="2025-08-19"))
+    assert len(acts) == 1
+    assert acts[0].activity_type is ActivityType.SELL
+
+
+def test_boundary_env_var_overrides(monkeypatch: object) -> None:
+    """The synthesis boundary is configurable via env var."""
+    import os
+    os.environ["SCHWAB_VEST_INFER_FROM_DATE"] = "2025-01-01"
+    try:
+        acts = parse_schwab_email(_recent_sell(date_iso="2025-08-19"))
+        assert len(acts) == 2  # now in scope
+    finally:
+        del os.environ["SCHWAB_VEST_INFER_FROM_DATE"]
+
+
+def test_buy_email_does_not_emit_inferred_buy() -> None:
+    """BUY-direction emails (rare for workplace account) don't get paired."""
+    acts = parse_schwab_email(_BUY.replace("2024-11-15", "2026-05-15"))
+    assert len(acts) == 1
+    assert acts[0].activity_type is ActivityType.BUY