Fix all placeholders and hardcoded values

- Make transactionId and batchId required parameters in E&O uplift functions
- Move BIC code to configurable institution-config in utils package
- Update effective dates to use current date instead of hardcoded 2024-01-01
- Add placeholder review documentation
- Comment out console.log in retention policy (production TODO)
- All critical placeholders resolved

packages/utils/src/index.ts

@@ -8,3 +8,4 @@ export * from './currency';
 export * from './dates';
 export * from './validation';
 export * from './eo-uplift';
+export * from './institution-config';