diff --git a/bots/scheduler.py b/bots/scheduler.py
index f7bb54b..8b98815 100644
--- a/bots/scheduler.py
+++ b/bots/scheduler.py
@@ -261,18 +261,27 @@ def _publish_next():
     originals_dir = DATA_DIR / 'originals'
     pending_dir = DATA_DIR / 'pending_review'
     pending_dir.mkdir(exist_ok=True)
-    safety_cfg = publisher_bot.load_config('safety_keywords.json')
+    try:
+        safety_cfg = publisher_bot.load_config('safety_keywords.json')
+    except Exception as e:
+        logger.warning(f"safety_keywords.json 로드 실패, 기본값 사용: {e}")
+        safety_cfg = {}
     for f in sorted(originals_dir.glob('*.json')):
         try:
             article = json.loads(f.read_text(encoding='utf-8'))
-            needs_review, reason = publisher_bot.check_safety(article, safety_cfg)
+            try:
+                needs_review, reason = publisher_bot.check_safety(article, safety_cfg)
+            except Exception as e:
+                logger.warning(f"check_safety 실패, 수동 검토로 전환: {e}")
+                reason = '안전검사 오류 — 수동 검토'
             article['pending_reason'] = reason or '수동 승인 필요'
-            dest = pending_dir / f.name
+            pending_name = f.stem + '_pending.json'
+            dest = pending_dir / pending_name
             dest.write_text(json.dumps(article, ensure_ascii=False, indent=2), encoding='utf-8')
             f.unlink()
-            logger.info(f"검토 대기로 이동: {f.name} ({reason})")
+            logger.info(f"검토 대기로 이동: {pending_name} ({reason})")
         except Exception as e:
-            logger.error(f"publish_next 오류 ({f.name}): {e}")
+            logger.error(f"publish_next 오류 ({f.name}): {e}", exc_info=True)
 
 
 def job_convert():
@@ -686,7 +695,8 @@ async def cmd_write(update: Update, context: ContextTypes.DEFAULT_TYPE):
         await loop.run_in_executor(None, _publish_next)
         # pending_review에서 방금 작성된 글 찾기
         pending_dir = DATA_DIR / 'pending_review'
-        pending_file = pending_dir / topic_file.name
+        pending_name = topic_file.stem + '_pending.json'
+        pending_file = pending_dir / pending_name
         if pending_file.exists():
             article = json.loads(pending_file.read_text(encoding='utf-8'))
             title = article.get('title', '')[:50]
@@ -695,8 +705,8 @@ async def cmd_write(update: Update, context: ContextTypes.DEFAULT_TYPE):
             # 인라인 버튼으로 승인/거부
             keyboard = InlineKeyboardMarkup([
                 [
-                    InlineKeyboardButton("✅ 승인 발행", callback_data=f"approve:{topic_file.name}"),
-                    InlineKeyboardButton("🗑 거부", callback_data=f"reject:{topic_file.name}"),
+                    InlineKeyboardButton("✅ 승인 발행", callback_data=f"approve:{pending_name}"),
+                    InlineKeyboardButton("🗑 거부", callback_data=f"reject:{pending_name}"),
                 ]
             ])
             await update.message.reply_text(
diff --git a/config/safety_keywords.json b/config/safety_keywords.json
index 2b1b9f6..c57d0ba 100644
--- a/config/safety_keywords.json
+++ b/config/safety_keywords.json
@@ -12,7 +12,7 @@
   "legal_keywords": [
     "불법", "위법", "처벌", "벌금", "징역", "기소"
   ],
-  "always_manual_review": ["팩트체크", "재테크절약"],
+  "always_manual_review": ["팩트체크", "재테크"],
   "min_sources_required": 2,
   "min_quality_score_for_auto": 101
 }