diff --git a/dat-was-lib/src/main/java/io/shinhanlife/dat/lib/exception/BizException.java b/dat-was-lib/src/main/java/io/shinhanlife/dat/lib/exception/BizException.java
new file mode 100644
index 000000000..ee7fe5a66
--- /dev/null
+++ b/dat-was-lib/src/main/java/io/shinhanlife/dat/lib/exception/BizException.java
@@ -0,0 +1,46 @@
+package io.shinhanlife.dat.lib.exception;
+
+// import io.shinhanlife.glow.core.exception.abstracts.BusinessException; (이 패키지는 현재 버전에 존재하지 않아 주석 처리함)
+import lombok.Getter;
+import lombok.Setter;
+
+/**
+ * @package io.shinhanlife.dat.lib.exception
+ * @className BizException
+ * @description AX HUB 시스템 처리 Exception
+ * @author 0986406
+ * @create 2026.09.01
+ * <pre>
+ * ---------- 개정이력 ----------
+ * 수정일      수정자    수정내용
+ * ---------- -------- ---------------------------
+ * 2026.09.01 0986406    최초생성
+ * 
+ * </pre>
+ */
+@Setter
+@Getter
+public class BizException extends RuntimeException {
+
+    private Object[] replaceStrings;
+    private String code;
+    private String msg;
+
+    public BizException(String code) {
+        super("");
+        this.code = code;
+        this.replaceStrings = new Object[]{""};
+    }
+
+    public BizException(String code, Object[] replaceStrings) {
+        super("");
+        this.code = code;
+        this.replaceStrings = replaceStrings;
+    }
+
+    public BizException(String code, String msg) {
+        super("");
+        this.code = code;
+        this.msg = msg;
+    }
+}
diff --git a/dat-was-sal/src/main/java/io/shinhanlife/dat/mcc/biz/cmm/usecase/impl/MemoListRetrieverUseCaseImpl.java b/dat-was-sal/src/main/java/io/shinhanlife/dat/mcc/biz/cmm/usecase/impl/MemoListRetrieverUseCaseImpl.java
index b48a3f773..c3b4b1cd8 100644
--- a/dat-was-sal/src/main/java/io/shinhanlife/dat/mcc/biz/cmm/usecase/impl/MemoListRetrieverUseCaseImpl.java
+++ b/dat-was-sal/src/main/java/io/shinhanlife/dat/mcc/biz/cmm/usecase/impl/MemoListRetrieverUseCaseImpl.java
@@ -23,6 +23,15 @@ public class MemoListRetrieverUseCaseImpl implements MemoListRetrieverUseCase {
         MemoListRetrieverHttpResponse httpResponse = memoClient.call(httpRequest, MemoListRetrieverHttpResponse.class);
 
         MemoListRetrieverResponse response = converter.toResponse(httpResponse);
+        
+        // Sparrow NULL_RETURN (널 역참조) 방어 로직
+        if (response == null) {
+            response = new MemoListRetrieverResponse();
+            response.setResultCode("ERROR");
+            response.setResultMessage("HTTP API 응답이 없거나 변환에 실패했습니다.");
+            return response;
+        }
+        
         response.setResultCode("SUCCESS");
         response.setResultMessage("HTTP API call completed.");
         return response;