diff --git a/web/src/views/scripts/TravelRequestDetailView.js b/web/src/views/scripts/TravelRequestDetailView.js
index 0a7527b..e7766b4 100644
--- a/web/src/views/scripts/TravelRequestDetailView.js
+++ b/web/src/views/scripts/TravelRequestDetailView.js
@@ -93,7 +93,7 @@ import {
 import {
   buildCurrentStandardAdjustmentMap,
   buildStandardAdjustmentPayload as buildStandardAdjustmentPayloadModel,
-  filterSubmitterStandardAdjustedRiskCards as filterSubmitterStandardAdjustedRiskCardsModel,
+  filterSubmitterResolvedRiskCards as filterSubmitterResolvedRiskCardsModel,
   isRiskCardMissingExpenseNote as isRiskCardMissingExpenseNoteModel,
   resolveExpenseItemForRiskCard as resolveExpenseItemForRiskCardModel
 } from './travelRequestDetailStandardAdjustment.js'
@@ -1179,8 +1179,8 @@ export default {
       return resolveExpenseItemForRiskCardModel(card, expenseItems.value)
     }
 
-    function filterSubmitterStandardAdjustedRiskCards(cards, businessStage) {
-      return filterSubmitterStandardAdjustedRiskCardsModel({
+    function filterSubmitterResolvedRiskCards(cards, businessStage) {
+      return filterSubmitterResolvedRiskCardsModel({
         cards,
         businessStage,
         isCurrentApplicant: isCurrentApplicant.value,
@@ -1597,7 +1597,7 @@ export default {
         : []
       const scopedRiskCards = [
         ...(hasActionableRiskCards ? [] : summaryRiskCards),
-        ...filterSubmitterStandardAdjustedRiskCards(directRiskCards, currentBusinessStage)
+        ...filterSubmitterResolvedRiskCards(directRiskCards, currentBusinessStage)
       ]
       const riskCards = filterRiskCardsForVisibility(scopedRiskCards, riskViewerContext.value)
 
diff --git a/web/src/views/scripts/travelRequestDetailStandardAdjustment.js b/web/src/views/scripts/travelRequestDetailStandardAdjustment.js
index 96b9c3b..b0be2e4 100644
--- a/web/src/views/scripts/travelRequestDetailStandardAdjustment.js
+++ b/web/src/views/scripts/travelRequestDetailStandardAdjustment.js
@@ -31,14 +31,6 @@ export function resolveExpenseItemForRiskCard(card, expenseItems = []) {
     || null
 }
 
-export function hasStandardAdjustmentForItem(item, standardAdjustmentMap = new Map()) {
-  const itemId = normalizeText(item?.id)
-  if (!itemId) {
-    return false
-  }
-  return Boolean(item?.standardAdjustmentAccepted || standardAdjustmentMap.has(itemId))
-}
-
 export function isRiskCardMissingExpenseNote(card, expenseItems = []) {
   const item = resolveExpenseItemForRiskCard(card, expenseItems)
   if (!item) {
@@ -47,7 +39,15 @@ export function isRiskCardMissingExpenseNote(card, expenseItems = []) {
   return !normalizeText(item.itemNote)
 }
 
-function isRiskCardCoveredByStandardAdjustment(card, expenseItems, standardAdjustmentMap) {
+export function hasStandardAdjustmentForItem(item, standardAdjustmentMap = new Map()) {
+  const itemId = normalizeText(item?.id)
+  if (!itemId) {
+    return false
+  }
+  return Boolean(item?.standardAdjustmentAccepted || standardAdjustmentMap.has(itemId))
+}
+
+function isRiskCardResolvedForSubmitter(card, expenseItems, standardAdjustmentMap) {
   if (normalizeText(card?.source) === STANDARD_ADJUSTMENT_RISK_SOURCE) {
     return true
   }
@@ -57,7 +57,7 @@ function isRiskCardCoveredByStandardAdjustment(card, expenseItems, standardAdjus
   )
 }
 
-export function filterSubmitterStandardAdjustedRiskCards({
+export function filterSubmitterResolvedRiskCards({
   cards = [],
   businessStage = 'reimbursement',
   isCurrentApplicant = false,
@@ -67,7 +67,7 @@ export function filterSubmitterStandardAdjustedRiskCards({
   if (businessStage !== 'reimbursement' || !isCurrentApplicant) {
     return cards
   }
-  return cards.filter((card) => !isRiskCardCoveredByStandardAdjustment(card, expenseItems, standardAdjustmentMap))
+  return cards.filter((card) => !isRiskCardResolvedForSubmitter(card, expenseItems, standardAdjustmentMap))
 }
 
 function extractRiskCardMoneyValues(card) {
diff --git a/web/tests/travel-request-detail-risk-advice.test.mjs b/web/tests/travel-request-detail-risk-advice.test.mjs
index a2ca316..eb4e53a 100644
--- a/web/tests/travel-request-detail-risk-advice.test.mjs
+++ b/web/tests/travel-request-detail-risk-advice.test.mjs
@@ -24,6 +24,9 @@ import {
   buildEmployeeProfileAdviceItems,
   buildTravelReceiptMaterialPrompts
 } from '../src/views/scripts/travelRequestDetailAdviceModel.js'
+import {
+  filterSubmitterResolvedRiskCards
+} from '../src/views/scripts/travelRequestDetailStandardAdjustment.js'
 
 const detailViewTemplate = readFileSync(
   fileURLToPath(new URL('../src/views/TravelRequestDetailView.vue', import.meta.url)),
@@ -708,7 +711,8 @@ test('expense detail shows standard-adjusted reimbursable amount separately from
   assert.match(detailViewTemplate, /submitConfirmAmountDisplay/)
   assert.match(detailViewStyle, /\.expense-original-amount[\s\S]*text-decoration-line: line-through/)
   assert.match(detailViewScript, /const expenseTotal = computed\(\(\) => \{[\s\S]*item\.reimbursableAmount/)
-  assert.match(detailViewScript, /filterSubmitterStandardAdjustedRiskCards/)
+  assert.match(detailViewScript, /filterSubmitterResolvedRiskCards/)
+  assert.doesNotMatch(detailViewScript, /filterSubmitterStandardAdjustedRiskCards/)
   assert.match(detailViewScript, /acceptExpenseClaimStandardAdjustment/)
   assert.match(detailExpenseModelScript, /STANDARD_ADJUSTMENT_RISK_SOURCE = 'reimbursement_standard_adjustment'/)
   assert.match(requestsComposableScript, /STANDARD_ADJUSTMENT_RISK_SOURCE = 'reimbursement_standard_adjustment'/)
@@ -744,6 +748,66 @@ test('expense detail shows standard-adjusted reimbursable amount separately from
   assert.equal(item.hasStandardAdjustment, true)
 })
 
+test('standard adjustment resolves submitter risk prompt only after accepted while reviewer still sees notice', () => {
+  const originalRiskCard = {
+    id: 'risk-hotel-1',
+    source: 'attachment_analysis',
+    itemId: 'expense-item-1',
+    tone: 'high',
+    risk: '住宿票据金额超过职级标准。'
+  }
+  const reviewerNoticeCard = {
+    id: 'standard-adjustment-1',
+    source: 'reimbursement_standard_adjustment',
+    itemId: 'expense-item-1',
+    tone: 'medium',
+    risk: '提交人已选择按职级标准报销，超出部分由员工自担。'
+  }
+  const expenseItems = [{ id: 'expense-item-1' }]
+  const standardAdjustmentMap = buildStandardAdjustmentMap({
+    riskFlags: [
+      {
+        source: 'reimbursement_standard_adjustment',
+        item_id: 'expense-item-1',
+        original_amount: '880.00',
+        reimbursable_amount: '600.00',
+        employee_absorbed_amount: '280.00'
+      }
+    ]
+  })
+
+  assert.deepEqual(
+    filterSubmitterResolvedRiskCards({
+      cards: [originalRiskCard],
+      businessStage: 'reimbursement',
+      isCurrentApplicant: true,
+      expenseItems,
+      standardAdjustmentMap: new Map()
+    }),
+    [originalRiskCard]
+  )
+  assert.deepEqual(
+    filterSubmitterResolvedRiskCards({
+      cards: [originalRiskCard],
+      businessStage: 'reimbursement',
+      isCurrentApplicant: true,
+      expenseItems,
+      standardAdjustmentMap
+    }),
+    []
+  )
+  assert.deepEqual(
+    filterSubmitterResolvedRiskCards({
+      cards: [originalRiskCard, reviewerNoticeCard],
+      businessStage: 'reimbursement',
+      isCurrentApplicant: false,
+      expenseItems,
+      standardAdjustmentMap
+    }),
+    [originalRiskCard, reviewerNoticeCard]
+  )
+})
+
 test('expense item upload remains limited to one receipt per detail row', () => {
   assert.match(detailViewTemplate, /ref="expenseUploadInput"[\s\S]*type="file"/)
   assert.doesNotMatch(