commit 37b56e2b6e0c7f34c0379ef8794db90d147f9824
parent 4433eaee33cd878e3e5507b7b6d1b225169d4ca7
Author: Florian Dold <florian@dold.me>
Date: Tue, 18 Mar 2025 16:34:06 +0100
tops
Diffstat:
1 file changed, 32 insertions(+), 17 deletions(-)
diff --git a/deployments/tops.rst b/deployments/tops.rst
@@ -193,10 +193,10 @@ Properties
* Customer name or internal alias.
-* ``AML_ACCOUNT_ACTIVE_DEPOSIT :: Boolean``
+* ``AML_ACCOUNT_OPEN :: Boolean``
* Was this customer activated for deposit operations?
- * FIXME: Who sets this when? Isn't this implied by the rules?
+ * We store this to know when to emit the ``ACCOUNT_OPENED`` event
* ``AML_DOMESTIC_PEP :: Boolean``
@@ -205,7 +205,10 @@ Properties
* ``AML_FOREIGN_PEP :: Boolean``
* Is the customer a foreign PEP?
- * FIXME: What about PEP at international org?
+
+* ``AML_INTERNATIONAL_ORG_PEP :: Boolean``
+
+ * Is the customer a international org PEP?
* ``AML_HIGH_RISK_BUSINESS :: Boolean``
@@ -215,16 +218,22 @@ Properties
* Is the customer associated with a high-risk country?
-* ``AML_NO_OPERATION_DURING_PERIOD :: Boolean``
+* ``AML_ACCOUNT_IDLE :: Boolean``
+
+ * The account has been marked as idle (typically by a batch process that checks
+ for idle accounts).
- * FIXME: What does this property mean?
-FIXME: Shouldn't the following be some state machine, rather than flags?
+* ``AML_MROS_STATE``
-* ``AML_INVESTIGATION_ART6_COMPLETED :: Boolean``
-* ``AML_INVESTIGATION_ART6_FAILED :: Boolean``
-* ``AML_MROS_REPORTED_ART305 :: Boolean``
-* ``AML_MROS_REPORTED_ART9 :: Boolean``
+ * The MROS reporting state for the account.
+ * Values:
+
+ * ``NONE`` / undefined: No MROS reporting for that account
+ * ``REPORTED_SUSPICION_SIMPLE``: Reported under Art. 305 StGB (German "einfacher Verdacht", simple suspicion)
+ * ``REPORTED_SUSPICION_SUBSTANTIATED``: Reported under Art. 9 GwG (German "begründeter Verdacht", substantiated suspicion)
+ * ``INVESTIGATION_FAILED``: Failed according to Art. 6 GwG
+ * ``INVESTIGATION_COMPLETED``: Completed according to Art. 6 GwG
Events
------
@@ -233,7 +242,8 @@ Account opening:
* ``ACCOUNT_OPENED``
- * FIXME: When exactly does an account count as opened?
+ * Only after merchant passes KYC
+ * Wallet accounts never count as opened (no business relationship!)
* ``ACCOUNT_OPENED_HIGH_RISK``
* ``ACCOUNT_OPENED_DOMESTIC_PEP``
@@ -252,14 +262,13 @@ Account closing:
* Account with property ``AML_HIGH_RISK_COUNTRY`` was closed
-MROS reporting:
-FIXME: Incomplete? What's the difference, why is completed only there for one type of reporting?
+MROS Reporting (see ``AML_MROS_STATE`` property):
-* ``ACCOUNT_MROS_REPORTED_ART9``: Account reported to MROS (Art. 9 GwG)
-* ``ACCOUNT_MROS_REPORTED_ART305``: Account reported to MROS (`Art. 305 StGB <https://www.fedlex.admin.ch/eli/cc/54/757_781_799/de#art_305_ter>`_)
-* ``ACCOUNT_INVESTIGATION_ART6_COMPLETED``
-* ``ACCOUNT_INVESTIGATION_ART6_FAILED``
+* ``ACCOUNT_MROS_REPORTED_SUSPICION_SIMPLE``
+* ``ACCOUNT_MROS_REPORTED_SUSPICION_SUBSTANTIATED``
+* ``ACCOUNT_INVESTIGATION_COMPLETED``
+* ``ACCOUNT_INVESTIGATION_FAILED``
PIN Letter
@@ -277,6 +286,8 @@ Implementation notes:
* The letter is sent and generated via ``challenger``
* FIXME: How do we keep track of required documents?
+ if partial document collection arrives: update context (later!)
+
AML/KYC Forms
-------------
@@ -590,6 +601,7 @@ vqf_902_1_officer
FIXME: Why is all of this optional? What does this mean if the
acceptance date is missing?
+=> mandatory, prefill with current date
.. code:: none
@@ -1516,6 +1528,7 @@ Open Questions
* Clarify MROS reporting according to Art 305ter Abs. 2 StGB vs Art. 9 GwG
* Why is there a counter for failed investigations according to one, but not the other?
+ * Melderecht vs Meldepflicht
* Do we use ``Boolean`` attributes or always ``'YES' | 'NO'`` to be extensible
in the future?
@@ -1523,6 +1536,8 @@ Open Questions
* General forms question: Are attributes *first* stored and *then* validated or the
other way around? If first stored: What if the AML program fails to run?
+* We need a generic way to show INFO to a customer (e.g. asking for more documents)
+
FAQ
---
