Initial commit: Financial Crime domain exemplar

financial_crime/entities/merchant.md

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+# [Financial Crime](../domain.md)
+
+## Entities
+
+### Merchant
+
+A Merchant is a Party Role that accepts payments for goods or services through institution channels.
+
+```mermaid
+---
+config:
+  layout: elk
+---
+classDiagram
+  class Merchant{
+    * Merchant Identifier : string
+    Merchant Category Code : string
+    Settlement Account Identifier : string
+  }
+
+  Merchant --|> PartyRole
+  Merchant "1" --> "0..*" Transaction : processes
+  Merchant "0..*" --> "0..1" Account : settles into
+
+  class PartyRole["<a href='https://github.com/Semprini/md-ddl/blob/main/examples/Financial%20Crime/entities/party_role.md'>Party Role</a>"]
+  class Transaction["<a href='https://github.com/Semprini/md-ddl/blob/main/examples/Financial%20Crime/entities/transaction.md'>Transaction</a>"]
+  class Account["<a href='https://github.com/Semprini/md-ddl/blob/main/examples/Financial%20Crime/entities/account.md'>Account</a>"]  
+```
+
+```yaml
+extends: Party Role
+existence: independent
+mutability: slowly_changing
+attributes:
+  Merchant Identifier:
+    type: string
+    identifier: primary
+    description: Unique identifier for the merchant role instance.
+
+  Merchant Category Code:
+    type: string
+    description: >
+      ISO 18245 Merchant Category Code (MCC) representing the merchant's primary
+      business type. Used in transaction monitoring rule segmentation — certain MCCs
+      (e.g., cash-intensive businesses, money services) attract heightened scrutiny.
+
+  Settlement Account Identifier:
+    type: string
+    description: Account identifier used for merchant settlement.
+```
+
+```yaml
+governance:
+  retention_basis: Inherited from domain default retention of 10 years post relationship end for AML/CTF record-keeping
+```
+
+## Relationships
+
+### Merchant Receives Payment
+
+A Merchant receives funds through one or more Transactions.
+
+```yaml
+source: Merchant
+type: associates_with
+target: Transaction
+cardinality: one-to-many
+granularity: atomic
+ownership: Merchant
+```
+
+### Merchant Has Settlement Account
+A Merchant may have a designated Account into which settlement funds are credited by the institution.
+```yaml
+source: Merchant
+type: references
+target: Account
+cardinality: many-to-one
+granularity: atomic
+ownership: Merchant
+```