feat(settlement): 门店未出账手动提现与总部审核（OPT-010）

Co-authored-by: Cursor <cursoragent@cursor.com>

server/dukang-api/src/jobs/settlement.scheduler.ts

@@ -7,6 +7,7 @@ import { AlertService } from '../common/alert/alert.service';
  * 财务对账单定时任务（Asia/Shanghai）
  * - 每日 08:00：酒厂日账单 + 门店日账单（统计昨日 00:00～今日 00:00）
  * - 每月 1 日 08:00：合伙人上一自然月账单 + 物流承运商上一自然月对账
+ * - 工作日 18:05：门店提现 T+0 审完预警（FIN-003）
  */
 @Injectable()
 export class SettlementScheduler {
@@ -48,6 +49,34 @@ export class SettlementScheduler {
     }
   }
 
+  /** FIN-003：工作日 18:05 扫描超时未审门店提现 */
+  @Cron('5 18 * * 1-5', { timeZone: 'Asia/Shanghai' })
+  async handleWithdrawOverdueAlert() {
+    this.logger.log('Store withdraw overdue scan start');
+    try {
+      const summary = await this.settlementService.scanOverdueStoreWithdrawals();
+      this.logger.log(`Store withdraw overdue: ${JSON.stringify(summary)}`);
+      if (summary.overdueCount > 0) {
+        this.alert.notify({
+          level: 'P1',
+          category: 'finance',
+          title: '门店提现超时未审',
+          detail: `待审 ${summary.pendingCount} 笔，超时 ${summary.overdueCount} 笔，超时金额 ¥${summary.overdueAmount.toFixed(2)}`,
+          dedupeKey: `job_store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
+        });
+      }
+    } catch (e) {
+      this.logger.error('Store withdraw overdue scan failed', e instanceof Error ? e.stack : e);
+      this.alert.notify({
+        level: 'P1',
+        category: 'job',
+        title: '门店提现超时扫描失败',
+        detail: e instanceof Error ? e.message : String(e),
+        dedupeKey: `job_store_withdraw_overdue|${new Date().toISOString().slice(0, 10)}`,
+      });
+    }
+  }
+
   @Cron('0 8 1 * *', { timeZone: 'Asia/Shanghai' })
   async handleMonthlyPartnerBills() {
     this.logger.log('Monthly partner bills job start');