16 KiB
16 KiB
Financial Crime
Enums
Party Status
Operational status of a party record.
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.
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.
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.
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.
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description: Prior due diligence is no longer current and revalidation is required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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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