Initial commit: Financial Crime domain exemplar

2026-06-01 21:18:19 +12:00
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+# [Financial Crime](../domain.md)
+
+## Entities
+
+### Company
+
+A Company is a legal entity that participates in financial relationships with the institution. It specialises Party and carries organisation-specific identification and registration attributes.
+
+Company legal structure is a primary AML risk factor. Shell companies, special purpose vehicles, and trusts carry elevated money-laundering risk due to beneficial ownership complexity — structure must be recorded to support risk rating and Enhanced Due Diligence decisions.
+
+```mermaid
+---
+config:
+  layout: elk
+---
+classDiagram
+  class Company{
+    Company Registration Number : string
+    Incorporation Country : string
+    Incorporation Date : date
+    Legal Structure : enum~CompanyLegalStructure~
+    Tax Identifier : string
+  }
+
+  Company --|> Party
+
+  class CompanyLegalStructure["<a href='https://github.com/Semprini/md-ddl/blob/main/examples/Financial%20Crime/enums.md#company-legal-structure'>Company Legal Structure</a>"]{<<enumeration>>}
+  class Party["<a href='https://github.com/Semprini/md-ddl/blob/main/examples/Financial%20Crime/entities/party.md'>Party</a>"]
+```
+
+```yaml
+extends: Party
+existence: independent
+mutability: slowly_changing
+attributes:
+  Company Registration Number:
+    type: string
+    description: >
+      Government-issued registration identifier for the legal entity (e.g., ACN for Australian
+      companies, NZBN for New Zealand companies). Required for legal entity identification
+      under AML/CTF Act 2006 Part B.
+
+  Incorporation Country:
+    type: string
+    description: >
+      ISO 3166-1 alpha-2 country code where the company is incorporated. Used for
+      jurisdiction risk scoring — entities incorporated in FATF-listed high-risk
+      jurisdictions require Enhanced Due Diligence.
+
+  Incorporation Date:
+    type: date
+    description: >
+      Date the company was formally incorporated. Recently incorporated entities with
+      no operating history are a risk signal, particularly when associated with high-value
+      or complex transactions.
+
+  Legal Structure:
+    type: enum:Company Legal Structure
+    description: >
+      The legal form under which the company is constituted. Critical for AML risk
+      assessment — trusts, special purpose vehicles, and foreign entities carry elevated
+      beneficial ownership risk. The legal structure determines which additional due
+      diligence obligations apply under the AML/CTF Act 2006 and RBNZ AML/CFT Act 2009.
+
+  Tax Identifier:
+    type: string
+    description: >
+      Tax registration number issued by the relevant revenue authority (e.g., Australian
+      Business Number (ABN), New Zealand Business Number (NZBN), US Employer Identification
+      Number (EIN)). Used as a supplementary identity verification attribute and cross-reference
+      for adverse media and sanction screening.
+```
+```yaml
+constraints:
+  Registration Number Required For Active Company:
+    not_null: Company Registration Number
+    lifecycle_stage: Onboarding
+    description: >
+      A company must have a valid Company Registration Number before any designated
+      service is provided. Required for legal entity identification under AML/CTF Act 2006
+      Part B customer identification obligations.
+```
+
+```yaml
+governance:
+  pii: false
+  classification: Highly Confidential
+  retention: 10 years
+  retention_basis: Domain default retention aligned to AML/CTF record-keeping obligations
+  description: >
+    10-year retention from the end of the business relationship, aligned to AUSTRAC and
+    RBNZ record-keeping obligations. The regulatory minimum is 7 years under AUSTRAC
+    AML/CTF Act 2006; the domain default of 10 years is applied as the conservative standard.
+  access_role:
+    - FINANCIAL_CRIME_ANALYST
+    - KYC_OFFICER
+    - COMPLIANCE_OFFICER
+  compliance_relevance:
+    - AUSTRAC AML/CTF Act 2006 — Part B legal entity identification
+    - AUSTRAC AML/CTF Amendment Act 2024
+    - RBNZ AML/CFT Act 2009 — section 14
+    - FATF Recommendation 10 — Customer Due Diligence (legal persons)
+    - FATF Recommendation 24 — Transparency and beneficial ownership of legal persons
+```
+
+## Relationships
+
+No relationships are sourced directly from Company in the current domain model.