feat: P6 어댑터 PoC 보강 — Resp 노출 / phone 매핑 / 재시도 배치 / SDK 분기

1. WithdrawRequestResp / VO / Mapper.xml / 화면에 transfer_tx_id/transfer_status/transfer_at 노출
2. UserMapper.selectFirstActiveContactByRoleCode — step.roleCode → user.phone 1차 매핑
   - ApprovalService.sendStepNotification 이 실제 결재자 user_id/phone 사용 (기존 0L 하드코딩 해소)
   - phone 미확보 시 SMS skip (DB 알림은 유지)
3. 펌뱅킹 재시도 — WithdrawBankRetryService + POST /api/internal/bank-retry
   - WithdrawRequestMapper.selectFailedTransfers 추가
   - @EnableScheduling + cron 옵션(기본 비활성), app.bank-retry.limit
4. 어댑터 프로파일 분기 — @ConditionalOnProperty
   - app.adapter.bank: mock(기본) | kftc → KftcBankTransferAdapter 스켈레톤
   - app.adapter.message: mock(기본) | toast → ToastMessageAdapter 스켈레톤
   - 활성화 시 UnsupportedOperationException 명시
5. V83(menu_code 오기로 0건 적용) + V84(실제 WITHDRAW 메뉴에 EXECUTE 권한 보강)

ga-common/src/main/resources/db/migration/V83__WITHDRAW_REQUESTS_EXECUTE_권한_보강.sql

@@ -0,0 +1,29 @@
+-- V83: WITHDRAW_REQUESTS 메뉴에 EXECUTE 권한 추가
+-- P6 펌뱅킹 재시도 endpoint(POST /api/internal/bank-retry) 가 EXECUTE 권한을 요구.
+-- 동일 패턴 V72/V73 참조.
+
+-- 1. menu_permission에 EXECUTE 추가 (이미 있으면 skip)
+INSERT INTO menu_permission (menu_id, perm_code, perm_name, sort_order)
+SELECT m.menu_id, 'EXECUTE', '실행', 70
+  FROM menu m
+ WHERE m.menu_code = 'WITHDRAW_REQUESTS'
+   AND NOT EXISTS (
+       SELECT 1 FROM menu_permission mp2
+        WHERE mp2.menu_id = m.menu_id AND mp2.perm_code = 'EXECUTE'
+   );
+
+-- 2. SUPER_ADMIN / ADMIN 에 EXECUTE 권한 부여
+INSERT INTO role_menu_permission (role_id, menu_id, perm_code, is_granted)
+SELECT r.role_id, mp.menu_id, mp.perm_code, 'Y'
+  FROM role r
+  CROSS JOIN menu_permission mp
+  JOIN menu m ON m.menu_id = mp.menu_id
+ WHERE r.role_code IN ('SUPER_ADMIN', 'ADMIN')
+   AND mp.perm_code = 'EXECUTE'
+   AND m.menu_code = 'WITHDRAW_REQUESTS'
+   AND NOT EXISTS (
+       SELECT 1 FROM role_menu_permission rmp2
+        WHERE rmp2.role_id   = r.role_id
+          AND rmp2.menu_id   = mp.menu_id
+          AND rmp2.perm_code = 'EXECUTE'
+   );

ga-common/src/main/resources/db/migration/V84__WITHDRAW_EXECUTE_권한.sql

@@ -0,0 +1,26 @@
+-- V84: WITHDRAW 메뉴에 EXECUTE 권한 추가 (V83 은 잘못된 menu_code='WITHDRAW_REQUESTS' 로 0건 적용됨)
+-- P6 펌뱅킹 재시도 endpoint POST /api/internal/bank-retry 가 EXECUTE 권한을 요구.
+
+INSERT INTO menu_permission (menu_id, perm_code, perm_name, sort_order)
+SELECT m.menu_id, 'EXECUTE', '실행', 70
+  FROM menu m
+ WHERE m.menu_code = 'WITHDRAW'
+   AND NOT EXISTS (
+       SELECT 1 FROM menu_permission mp2
+        WHERE mp2.menu_id = m.menu_id AND mp2.perm_code = 'EXECUTE'
+   );
+
+INSERT INTO role_menu_permission (role_id, menu_id, perm_code, is_granted)
+SELECT r.role_id, mp.menu_id, mp.perm_code, 'Y'
+  FROM role r
+  CROSS JOIN menu_permission mp
+  JOIN menu m ON m.menu_id = mp.menu_id
+ WHERE r.role_code IN ('SUPER_ADMIN', 'ADMIN')
+   AND mp.perm_code = 'EXECUTE'
+   AND m.menu_code  = 'WITHDRAW'
+   AND NOT EXISTS (
+       SELECT 1 FROM role_menu_permission rmp2
+        WHERE rmp2.role_id   = r.role_id
+          AND rmp2.menu_id   = mp.menu_id
+          AND rmp2.perm_code = 'EXECUTE'
+   );