$47,000 of exposure from one reasonable-looking retry policy.
You are the on-call AI/backend engineer.
The refund provider completed a request after 5.2 seconds. The client had already timed out at 4 seconds and the Agent started another attempt. Across the current transaction volume, duplicate actions now imply $47,000 of gross exposure.
Keep transient-failure recovery above the release target while making repeated intent safe and keeping latency, cost and human review inside budget.
Timeout does not mean failure when the remote side can finish after the client gives up.