# [Financial Crime](domain.md) ## Enums ### Party Status Operational status of a party record. ```yaml values: Active: description: Party is active and may participate in relationships and transactions Under Review: description: Party is under compliance review and must not initiate new transactions Restricted: description: Party is restricted pending investigation outcome or risk remediation Inactive: description: Party relationship is dormant or no longer operational Closed: description: Party record is closed and no new activity is permitted ``` --- ### Financial Crime Risk Rating Institution-assessed ML/TF risk level for a party. ```yaml values: Low: description: Low financial crime risk profile score: 1 Medium: description: Moderate financial crime risk profile score: 2 High: description: Elevated financial crime risk requiring enhanced controls score: 3 Very High: description: Severe financial crime risk requiring intensive monitoring score: 4 ``` --- ### Sanctions Screen Status Outcome of sanctions screening checks. ```yaml values: Not Screened: description: Screening has not yet been performed Clear: description: No match found against applicable sanctions lists Potential Match: description: Possible match detected and pending investigation Confirmed Match: description: Match confirmed and services must be blocked False Positive: description: Potential match reviewed and cleared as not the sanctioned subject ``` --- ### Party Role Status Lifecycle status of a specific party role instance. ```yaml values: Pending: description: Role created but not yet activated Active: description: Role is active and confers its business permissions Suspended: description: Role is temporarily paused pending review or remediation Closed: description: Role has ended and is no longer effective ``` --- ### Due Diligence Status CDD/EDD completion state for a role. ```yaml values: Not Started: description: Due diligence process has not commenced In Progress: description: Due diligence activities are underway Complete: description: Required due diligence is complete Expired: description: Prior due diligence is no longer current and revalidation is required Failed: description: Due diligence failed and role must not be activated ``` --- ### PEP Status Politically exposed person classification for individuals. ```yaml values: Not PEP: description: Individual is not identified as a politically exposed person or associate Domestic PEP: description: Individual holds a prominent public function domestically Foreign PEP: description: Individual holds a prominent public function in a foreign jurisdiction International Organisation PEP: description: Individual holds a prominent function in an international organisation PEP Family Member: description: Individual is an immediate family member of a PEP PEP Close Associate: description: Individual is a known close associate of a PEP ``` --- ### Address Type Structural type of an address record. ```yaml values: Street Address: description: Standard physical street address PO Box: description: Postal box address Registered Office: description: Registered office address for a legal entity Overseas Address: description: Address located outside the primary operating jurisdiction ``` --- ### Address Purpose Business purpose for which a party uses an address. ```yaml values: Residential: description: Residential/home address for an individual Mailing: description: Address used for correspondence Business: description: Primary business operating address Registered Office: description: Registered legal address for a company Billing: description: Address used for billing and statement delivery ``` --- ### Address Verification Status Current verification state of a contact address association. ```yaml values: Unverified: description: Address not yet verified Verified: description: Address verified against acceptable evidence Pending Reverification: description: Existing verification is aging and requires refresh Rejected: description: Verification attempt failed or evidence was insufficient Expired: description: Verification is out of date and not valid for current obligations ``` --- ### Verification Method Method used to verify an address. ```yaml values: Documentary: description: Verified using accepted documentary evidence Electronic: description: Verified using an approved electronic data source In Person: description: Verified face-to-face at branch or approved representative location Third Party Attestation: description: Verified via trusted attestation from an approved third party ``` --- ### Currency Code ISO 4217 alphabetic currency codes used across account balances and transaction amounts. This is a representative subset — the full ISO 4217 code list is the normative reference. Standard: [ISO 4217 — Currency codes](https://www.iso.org/iso-4217-currency-codes.html) ```yaml values: AUD: description: Australian Dollar NZD: description: New Zealand Dollar USD: description: United States Dollar EUR: description: Euro GBP: description: Pound Sterling JPY: description: Japanese Yen SGD: description: Singapore Dollar HKD: description: Hong Kong Dollar CHF: description: Swiss Franc CAD: description: Canadian Dollar ``` --- ### Transaction Type Category of financial transaction representing the movement mechanism and clearing pathway. ```yaml values: Wire Transfer: description: Domestic or international credit transfer processed via the local RTGS or wire network SWIFT Transfer: description: International payment instruction transmitted via the SWIFT network EFTPOS: description: Electronic funds transfer at point of sale via a card-present terminal ATM Withdrawal: description: Cash withdrawal initiated at an automated teller machine ATM Deposit: description: Cash or cheque deposit lodged at an automated teller machine Direct Debit: description: Pull payment authorised by the account holder and initiated by a creditor Direct Credit: description: Push payment credited directly to a beneficiary account Internal Transfer: description: Movement of funds between two accounts held within the same institution BPay: description: Bill payment processed through the BPAY scheme Cash Deposit: description: Physical cash lodged to an account at a branch or agency Cash Withdrawal: description: Physical cash disbursed from an account at a branch or agency Cheque: description: Payment by paper cheque presented for clearing RTGS: description: High-value same-day settlement payment processed through the Real-Time Gross Settlement system ``` --- ### Transaction Status Lifecycle state of a transaction from initiation through to final settlement or failure. ```yaml values: Pending: description: Transaction has been submitted and is awaiting authorisation or clearing Authorised: description: Transaction has been authorised but not yet cleared or settled Cleared: description: Transaction has been cleared through the relevant payment scheme Settled: description: Final irrevocable settlement has occurred and funds have moved Failed: description: Transaction could not be processed and no funds were moved Reversed: description: A previously settled transaction has been reversed and funds returned Cancelled: description: Transaction was cancelled before settlement at the request of an authorised party Under Review: description: Transaction has been flagged and is under financial crime or fraud review; settlement is suspended pending outcome ``` --- ### Transaction Channel The channel or medium through which a transaction was initiated or processed. ```yaml values: Branch: description: Transaction initiated or processed at a physical branch location by a teller or officer Online Banking: description: Transaction initiated by a customer through the institution's internet banking platform Mobile Banking: description: Transaction initiated by a customer through the institution's mobile application ATM: description: Transaction self-served by a customer at an automated teller machine EFTPOS Terminal: description: Transaction initiated at a merchant point-of-sale EFTPOS terminal SWIFT: description: Payment instruction transmitted via the SWIFT network, typically for international transfers Direct Entry: description: Batch payment submitted directly via the Direct Entry (DE) system Third Party: description: Transaction initiated by an authorised third party or payment service provider on behalf of a customer Internal System: description: Transaction generated automatically by an internal system process (e.g., interest capitalisation, fee deduction) ``` --- ### Account Status Operational lifecycle state of an account. ```yaml values: Pending: description: Account has been created but has not yet been activated for transacting Active: description: Account is open and available for deposits, withdrawals, and other permitted operations Dormant: description: Account has had no customer-initiated transactions for an extended period as defined by the institution's dormancy policy Frozen: description: Account has been administratively frozen; no debits or credits are permitted pending investigation or regulatory instruction Suspended: description: Account is temporarily suspended pending compliance review or fraud investigation Closed: description: Account has been permanently closed; no further transactions are permitted ``` --- ### Account Type Classification of the financial account by its primary purpose and product characteristics. ```yaml values: Savings: description: Interest-bearing deposit account intended for accumulation of funds Current: description: Transaction account (also called cheque or demand deposit account) used for day-to-day banking Term Deposit: description: Fixed-term deposit account where funds are locked in for a specified period at a contracted interest rate Loan: description: Credit account representing a disbursed loan obligation Line Of Credit: description: Revolving credit facility where the customer may draw down and repay up to an approved limit Mortgage: description: Secured loan account used to finance the purchase of real property Offset: description: Transaction account linked to a mortgage, where the balance offsets interest charged on the mortgage Foreign Currency: description: Account denominated in a currency other than the institution's base currency ``` --- ### Agreement Status Lifecycle state of a formal agreement between the institution and a party. ```yaml values: Draft: description: Agreement has been created but not yet executed by all required parties Active: description: Agreement is fully executed and currently in force Suspended: description: Agreement is temporarily suspended by one or both parties pending resolution of a dispute or compliance matter Matured: description: Agreement has reached its scheduled maturity date and obligations have been fulfilled Terminated: description: Agreement has been terminated before its natural maturity, by mutual consent or by one party under agreed termination rights Cancelled: description: Agreement was cancelled before it became active and never took effect ``` --- ### Contact Preference The customer's preferred channel for outbound communication from the institution. ```yaml values: Email: description: Customer prefers communications delivered by email SMS: description: Customer prefers short message service (text message) notifications Post: description: Customer prefers physical mail correspondence Phone: description: Customer prefers to be contacted by telephone call In App: description: Customer prefers push notifications and messages delivered within the institution's mobile application No Contact: description: Customer has opted out of all non-essential outbound communications ``` --- ### Company Legal Structure The legal form under which a company or organisation is incorporated or constituted. Relevant to AML risk assessment — certain structures (trusts, shell companies, special purpose vehicles) carry elevated money-laundering risk due to opacity of beneficial ownership. ```yaml values: Private Company: description: Privately held limited liability company not listed on a public exchange (e.g., Pty Ltd, Ltd) Public Company: description: Company whose shares are listed and traded on a public stock exchange Partnership: description: Business entity where two or more persons carry on a business in common with a view to profit Sole Trader: description: Unincorporated individual carrying on business in their own name Trust: description: Legal arrangement where a trustee holds assets for the benefit of beneficiaries; elevated AML risk due to beneficial ownership complexity Cooperative: description: Member-owned and democratically controlled organisation Government Entity: description: Entity owned or controlled by a national, state, or local government Non-Profit: description: Organisation operating for a purpose other than profit; subject to specific AML obligations due to potential misuse for terrorist financing Foreign Entity: description: Entity incorporated or constituted under the laws of a foreign jurisdiction Special Purpose Vehicle: description: Entity created for a specific, narrow purpose (e.g., asset securitisation); elevated AML scrutiny due to potential use in layering structures ``` --- ### Association Type The nature of the relationship between two Parties in the Party Related To Party network. Used for beneficial ownership mapping, PEP network screening, and suspicious activity investigation. ```yaml values: Ultimate Beneficial Owner: description: Individual who ultimately owns or controls 25% or more of the entity, directly or indirectly Beneficial Owner: description: Individual with a beneficial interest in the entity below the UBO threshold but still subject to disclosure obligations Director: description: Individual appointed to the board of directors or equivalent governing body Shareholder: description: Entity or individual holding shares in a company Guarantor: description: Party who has provided a guarantee for another party's obligations Controlling Person: description: Individual who exercises control over an entity through means other than shareholding (e.g., power of attorney, contractual rights) Spouse: description: Legal spouse or domestic partner; relevant for PEP close associate screening Parent: description: Direct parent of an individual; relevant for PEP family member screening Child: description: Direct child of an individual; relevant for PEP family member screening Sibling: description: Sibling of an individual; relevant for PEP family member screening Close Associate: description: Individual known to be in close personal or professional relationship with a PEP Employer: description: Organisation that employs the related party Employee: description: Individual employed by the related organisation Signatory: description: Individual authorised to sign on behalf of an entity ``` --- ### Account Holder Type The nature of a customer's holding relationship with an account. Used as a relationship attribute on Customer Holds Account. ```yaml values: Primary Holder: description: The principal account owner responsible for the account relationship Joint Holder: description: Co-owner of the account with equal rights to the Primary Holder Signatory: description: Individual authorised to transact on the account but without ownership rights Beneficial Owner: description: Individual who benefits from the account but whose name may not appear as a legal owner Guardian: description: Individual acting as legal guardian for a minor or incapacitated account holder Attorney: description: Individual holding power of attorney to operate the account on behalf of the primary holder ```