Data Model

Party Roles

A bank or a financial institution may deal with different persons or entities beyond customers, such as Associated Party, Supplier, and Agent. Their details are also captured and maintained in the Party microservice. A person or entity can have multiple roles in relation to the bank. They can be a customer but also an associated party of another customer. For example, Power of Attorney. Party Roles entity captures the information of the role that a party has in relation to the bank and the status of the respective role.

Entity Attribute	Type	Description	Example
Role Type	Enum-Dynamic	Defines the type of relationship between the party and the bank.	Supplier, Agent, Contractor, Staff
From Date	Date	Role Effective date for the party.	01-Feb-20
Status	Enum-Dynamic	Current status of the role for the party.	Active, Inactive, Prospect
Exit Date	Date	Date from which the role is no more effective for the party.	01-Feb-22
Exit Reason	Text	Reason for the role that is no more effective for the party.	Staff - Resignation
Comments	Text	Free text to store any comments by the user.

Role Type

Reference data for defining the party roles, as required by the implementation. All defined Role types are required to map to a pre-set of Role Classifications released from the product.

Entity Name	Type	Description	Example
Role Classification	Enum	Classification of the type of the role.	Refer below for the List
Description	Text	Free text to store any description for the role type by the user.

Role Classification	Description
Customer	An individual or an organization who has availed or availing the services of the bank.
Associated Party	An individual or an organization who is related to the party with the role as the customer of the bank. The actual relationship between the party needs to be recorded by using the Party Relationship entity.
Staff	An individual who is employed with the bank but not limited to contractors and trainees.
Agent	An individual or an organization who acts as an agent to sell the products of the bank. For example, Insurance Agent of the bank.
Representative	An individual who represents or acts on behalf of an organization with the role of customer. Formerly External User in Transact. For example, the Clerks, Accountants, and Managers of a corporate who operate the accounts on behalf of the organization.
Supplier/Service Providers	An individual or an organization who sells their products to the bank or provide services to the banks. For example, the company that provides cash management services to the bank.

Customership & Responsible Unit

Customership is a sub-entity under Party Roles that captures the details of the branch, division, and sub-division through which the Party is associated with the financial institution. Customership details are captured for each role of a party. The following table explains how the data can be captured in the Customership entity.

Party	Party Role			Customership				Details
	Role Type	Role Status	Legal Unit	Responsible Unit 1		Responsible Unit 2
	Role Type	Role Status	Legal Unit	Sub-Legal Unit	Rel. Officer	Branch	Rel. Officer
John	Customer	Active	ABC Bank	Finland	N/A	Finland. Br.101	Officer. A	John's savings accounts are held with the ABC Bank branch in Finland, where he currently resides.
				Sweden	N/A	Sweden. Br.99	Officer. Z	John's mortgage is with ABC Bank branch in Sweden, where is hails from.
			ABC Insurance	Sweden	N/A	Sweden.Br.99	Officer. W	John has insured his house also with ABC Insurance company.
	Associated Party	Active	ABC Bank	Finland	N/A	Finland. Br.50	Officer. C	John is the sole proprietor of his café and the account of the café is also maintained with another branch of the ABC Bank Finland. Hence, John is marked as an associated party. In this case, it is purely optional for a relationship officer to be nominated and if needed, it is possible as per our model.
	Associated Party	Active	ABC AMC	UK	Officer.D			John is a nominee for the assets of his wife Mary that is managed by a subsidiary ABC Asset Management company in the UK. In this case, there is no branch-level setup for the subsidiary.
John's Café	Customer	Active	ABC Bank	Finland	N/A	Finland. Br.50	Officer. C
Mary	Customer	Active	ABC AMC	UK	Officer.D

Customership

Attribute Name	Type	Description	Example
Company Legal Unit	Enum-Dynamic	Legal Unit of the bank to which the party is associated with.	ABC Bank, ABC Insurance.
Status	Text	Specifies the current lifecycle status of customership as per the context of a specific bank legal unit	Active/Inactive

Responsible Unit

Responsible Unit is a collection as a part of Customership Sub-Entity.

Attribute Name	Type	Description	Example
Responsible Unit Type	Enum-Dynamic	Specifies the type of unit with which the party is associated with. It is possible to define the granular level of Responsible Unit Types as required by the Client implementation.	Country, Branch, Division
Business Unit	Enum-Dynamic	The ID of the business unit under the respective Responsible Unit Type. For example, Name/ID of the Branch or Sub-Division	Branch.101, Division.Finance
Relationship Officer	Enum-Dynamic	Specifies the bank employee responsible for managing the relationship and providing service to the party.	Officer. A, Officer.100100
Start Date	Date	Date from which the party is associated with the respective responsible unit.
End Date	Date	Date until which the party was associated with the respective responsible unit.

Legal Status

Party Legal Status captures information about the legal status of the party (from external sources or legal documents) as this can have an impact on how its relationship with the financial institution.

Attribute Name	Type	Description	Example
Legal Status Type	Enum-Dynamic	The legal status of the party	Liquidation
Legal Status Country	Enum-Dynamic	Country in which the legal status was imposed.	US
Effective From Date	Date	Date from which the legal status is effective.
Effective To Date	Date	Date until which the legal status is effective.
Change Reason	Text	Reason for change in the legal status of the party.	Dissolution of the company

Observation

Party Observation entity allows the bank to document important observations noticed by bank users related a party, that may require attention or restrict the management of the party. For Example – Under Recovery, Adverse Media

Attribute Name	Type	Description	Example
Observation Type	Enum-Dynamic	Type of Observation of the party.	Adverse Media
Date	Date	Date of observation
Detail	Text	A detailed description of the observation.	Adverse Media report published
Reason	Text	Any explicit reason for the observation.	The Customer has married a mogul on the OFAC list
Source	Text	Reference to the user who have recorded the observation.	The ABC Newspaper

Tax Details

Tax Details entity captures the details about taxation for a specific person or organization. It identifies the tax eligibility of a party in different countries and for different tax types. A person or organization may be taxable in multiple countries at one point in time.

Attribute Name	Type	Description	Example
Tax Type	Enum-Dynamic	Tax type applicable for the individual or the entity.	WHT, VAT, GST, Income Tax
Tax Country	Enum-Dynamic	Country in which the respective tax type is applicable.	US, DK
Tax ID	Text	Unique Tax Reference or Identification Number for the party.
Eligibility Type	Enum-Dynamic	Denotes the party eligibility criteria for the respective tax type.	Fully Taxable, Exempted
Eligibility Reason	Text	Reason for the eligibility.
Start Date	Date	Date from which the respective tax type is applicable for the party.
End Date	Date	Date until which the respective tax type is applicable for the party.
Reason Type	Enum-Dynamic	The reason why the tax type is applicable for the party.	Resident
Reason Comment	Text	Comments on why the tax type is applicable for the party.
Id Lack Reason	Text	Reason (if any) for not having a tax ID for the party.
Is Main Tax Residency	Enum	Specifies if the defined tax for a specific tax type and the country as being the main tax residency.	Yes / No

Employment

Employment entity captures the current and previous employment details of a party. An individual may be employed with more than one employment. All such employments of the party can be captured, and it is possible to flag one of the employment as the primary employment of the party. It is also possible to mark an individual as either Unemployed or Retired.

Attribute Name	Type	Description	Example
Employment Type	Enum-Dynamic	Nature of the employment	Employed, Unemployed, Self-Employed, Retired
Country	Enum-Dynamic	Country of employment of the party	US, GB
Job Title	Text	Job Title of the party	Director, Vice President, Business Analyst
Employer Name	Text	Name of the employee	Temenos, Tata Consultancy Services
Start Date	Date	Start date of the employee
End Date	Date	End date of the employee. It is applicable for capturing the previous employment details of an individual.
Employer Segment	Text
Employer Office Phone IDD	Text	IDD Prefix associated with the Phone Number.	+91
Employer Office Phone	Text	Phone number of the employer.	123-456-7778
Employer Office E-Mail	Text	E-Mail address of the employer.	aaa@temenos.com
Salary	Decimal	Gross Annual Salary that is earned through the employment.	100000
Salary Frequency	Text	Salary Payment Frequency	Monthly
Salary In Currency	Text	Currency in which the salary is paid.	GBP
Primary Employment	Boolean	Identifies the primary employment of party.	True/False

Employment Type

Employment Type is a reference data entity that identifies the nature of employment of a party. For example, Employed, Unemployed, Self-Employed, and Retired.

It is possible to define the granular level of employment types as required by the client implementation.

Every employment type is linked to one of the pre-defined employment status released from the product that is Employed and Unemployed.

Attribute Name	Type	Description	Example
Employment Type	Text	Identifies the nature of employment of a party.	Employed, Unemployed, Self-Employed, Retired
Employment Status Type	Enum	Status of the employment.	Employed (or) Unemployed
Description	Text	Short description of the employment type.

Occupation

The occupation entity captures the occupation details of a party.

Attribute Name	Type	Description	Example
Occupation Type	Enum-Dynamic	Type of the occupation.	Doctor, Architect, Attorney
Description	Text	Description of the occupation.

Party Assessment

Party Assessment entity captures the results of various assessments performed on a party either by bank users or by external or third-party systems. For example, Assessment Results of KYC, AML, or Credit Risk of a Party can be stored.

It is possible to store either current or latest assessment results that is historical assessment details cannot be stored here. Due Diligence Microservice provides the ability to store historical data of assessment details of party. Refer to Assessment Entity section of the Due Diligence microservice.

Attribute Name	Type	Description	Example
Assessment Type	Enum-Dynamic	Type or nature of the assessment.	KYC, AML, Credit Risk
Decision Body	Text	The Group or Third-Party Organization responsible for the assessment.	Moody’s, CIBIL, Credit Committee.
Conclusion Date	Date	Assessment Conclusion Date.
Details	Text	Details specific to assessments conclusion.
Expiry Date	Date	Date until which the assessment results are valid.
Level	Text	Outcome of the assessment.	High, Low, Moderate
Score	Text	The outcome of the assessment.	800
Status	Text	Status of the assessment.	Complete, Awaiting Documents
Next Assessment Date	Date	Date on which the assessment needs to be performed again.
Reason	Text	Any specific reason for the assessment decision.

Addresses

Party Addresses entity captures the addresses of a party including Mailing, Phone, E-Mail and other social media address. Communication Type attribute identifies the nature of the communication address for example Mailing, Phone or E-Mail etc.

Address Type attribute identifies the type of the physical location of the address for example Residence, Office, Warehouse, etc. Using Address Type it is possible to capture more than one address for the same Communication Type of a Party. For example – It is possible to capture both Residences as well Office addresses of an Individual.

To capture Residence Address, the Communication Type should be Mailing and the Address Type should be Residence.
To capture Office Address Communication Type should be the Mailing and Address Type should be Office.

Attribute Name	Type	Description	Example
Communication Type	Enum-Dynamic	Identifies the nature of the communication address.	Mailing, Phone, E-Mail
Address Type	Enum-Dynamic	Identifies the physical nature of the address.	Office, Residence, Warehouse
Electronic Address	Text	E-Mail ID or other electronic address of a party. It is applicable with the electronic forms of communication types such as E-Mail and Twitter.	abc@yahoo.com, @satyanadella
Idd Prefix Phone	Text	IDD Prefix that is associated with the phone number. It is applicable with the Phone communication type.	+1, +44
Phone Number	Text	Phone number of the party. It is applicable with the Phone communication type.	123-456-9877
Address Free Format	Text	The mailing address of a party in unstructured or free format. It is applicable with the Mailing communication type.	Flat 11, The Mews, 56, Groove Road, Sutton, Surrey, SM2 6PP
Country Code	Enum-Dynamic	Identifies the country of the party's mailing address. It is applicable with Mailing Communication Type.	US, GB
Country Sub Division	Text	Represents the subdivision of a country such as a state, region, county of the Party mailing address.	California, Texas, Delhi, Mumbai, Surrey
Flat Number	Text	The number that identifies the apartment or door number of the party mailing address.	11
Building Number	Text	The number that identifies the position of a building on a street of the party mailing address.	56
Building Name	Text	Identifies the name of the building of the party mailing address.	The Mews
Floor	Text	Identifies the floor within a building of party mailing address.	First Floor
Street Name	Text	Identifies the street of party mailing address.	Groove Road
Town	Text	Identifies the town/city of the party mailing address	Sutton
Region Code	Text	Identifies the region within a country of the party mailing address.	Wales, Scotland, England.
Postal Or Zip Code	Text	Identifies the postal code of the party mailing address.	SM2 6PP
Post Box Number	Text	Identifies the postal office (PO) box number for the party mailing address.	189
District	Text	Identifies the district to which the party mailing address belongs.	Surrey
Landmark	Text	Landmark to the party mailing address.
Department	Text	Identifies the division within a large organization building of the party mailing address.	Finance
Sub Department	Text	Identifies the sub-division within a large organization building of the party mailing address.	Audit
Validated By	Text	Bank user or source through which the party address is validated.
Use Purpose	Text	The purpose for which the respective address was provided by the party
Primary	Boolean	Identifies the Primary Address of a party for the respective communication type.	True/False

Communication Type

Communication Type is a Reference Data entity that identifies the communication nature of the party address. For example, Mailing, Phone, or E-Mail.

It is possible to define the granular level of communication types as required by the client implementation.

Every Communication Type is linked to one of the pre-defined communicate type nature that is released from the product such as Electronic, Phone, or Postal.

Attribute Name	Type	Description	Example
Communication Type Name	Text	Name of the communication type.	E-Mail, Twitter, Mobile, Landline, Mailing
Communication Type Nature	Enum	Nature of the communication type.	Electronic, Phone, or Postal
Description	Text	Short description of the communication type.	Twitter handle of the party.

Address Type

Address Type is a Reference Data entity that identifies the type of the physical location of the party address. For example, Residence, Office, and Warehouse.

It is possible to define the granular level of address types as required by the client implementation.

Attribute Name	Type	Description	Example
Address Type Name	Text	Name of the address type.	Residence, Office, Warehouse
Description	Text	Short Description of the address type.	Address where the Party Resides.

Contact References

Contact References entity acts as a link between the address of a party to that of the point of contact in the respective address. In the case of an organization or entities, the bank can have contact with more than one person in the same office address. For example, contact with CEO for marketing purposes and contact with finance manager for operational purpose.

Banks can create an N number of contact references for the same address and link the contact reference with the Party ID of the person to be contacted in the address by using the Contact References entity.

Attribute Name	Type	Description	Example
Address Reference	Text	The ID of the Party Address that needs to be linked.	AD20200J33YH
Contact Party Reference	Text	The ID of the Party to whom the address need to be linked	200722804
Job Title	Text	Job Title of the party to be contacted at the respective address.	Director, Vice-President, Finance Manager
Reliability Type	Text	Indicates if the contact party is validated at the address.	Confirmed
Start Date	Date	Date from which the contact point is effective.
End Date	Date	Date until which the contact point is effective.
Contact Type Purpose	Enum-Dynamic	Indicates the purpose of the contact point.	Marketing, Operation, Billing

Party Identifier

Party Identifier entity captures details of the identification documents that are applicable for a party. For example, Passport and Driving License.

Attribute Name	Type	Description	Example
Identifier Type	Enum-Dynamic	Identifies the nature of the party identification document.	Passport, Driving License.
Issuing Authority	Text	Name of the legal authority that has issued the identification document.	Ministry of Foreign Affairs, Driver and Vehicle Licensing Agency
Identifier Number	Text	Identification Document Number or Reference.	Passport Number
Issued Date	Date	Date of issue of the identification document.
Expiry Date	Date	Date of expiry of the identification document.
Issuing Country	Enum-Dynamic	The country that issued the identification document.	US, GB
Holder Name	Text	Name of the party as per the identification document.

Party Identifier Type

Party Identifier Type is a Reference Data entity that identifies type of the Identification document. For example, Passport and Driving License.

It is possible to define the granular level of Identifier Types as required by the client implementation.

Attribute Name	Type	Description	Example
Identifier Type	Text	Name of the identification document	Passport, Driving License.
Is Legal Identifier	Text	Identifies whether the respective identification document is a accepted legal document or not.	Yes / No
Allowed Party Types	Enum-Dynamic	List of party types allowed for the respective type of identifier.	Individual, Corporate

Classification

Party Classification entity captures various classification codes and related schemes applicable for a party. It is possible to classify a party with more than one classification code with different schemes. For example, a party that belongs to the Rice Farming industry can link to two different classification schemes such as NAICS and SIC.

Party ID	Classification Scheme	Classification Code
100100	NAICS	111160
100100	SIC	0112

Attribute Name	Type	Description	Example
Classification Code	Text	Identifies the classification code and the applicable scheme for the party.	NAICS-111160
Classification Date	Date	Date from which the party is recognized for the respective classification scheme-code.
Reason	Text	Reason for classifying the party under the respective classification scheme-code.
Source	Enum-Dynamic	Source based on which the party was identified for the respective classification scheme-code	Certificate of Incorporation,
End Date	Date	Date until when the party is recognized for the respective classification scheme-code.

Classification Code

Classification Code is a Reference Data entity that stores the list of classification codes and associated classification schemes.

Attribute Name	Type	Description	Example
Classification Code	Text	Classification code for the respective classification scheme.	111160
Classification Scheme	Enum-Dynamic	Classification scheme that is associated with the classification code.	NAICS, SIC
Name	Text	Name of the classification code.
Description	Text	Short description of the classification code and scheme.	Rice Farming Industry
Allow Usage	Enum	Are the respective classification code and scheme can be linked with the party?	Yes / No

Classification Scheme

A classification scheme is a Reference Data Entity that stores the list of the applicable classification schemes.

Attribute Name	Type	Description	Example
Scheme ID	Text	Identifies the classification scheme.	NAICS, SIC
Description	Text	Short description code for the scheme.
Authority	Text	Authority responsible for the respective classification scheme.	North American Industry Classification, Internal
Category Name	Enum-Dynamic	Category of the respective scheme.	Sector, Industry, Target, Internal
Internal Flag	Enum	If the classification scheme.	Yes / No

Party Relationship

Party Relationship entity captures the relationship between two parties.

The relationship is expressed by the Relationship Type (Refer Relationship Type Entity for details). Every relationship can have two sides named Forward and Reverse Relationship. When the Forward relationship is recorded between two parties Party MS would automatically record the reverse relationship between the two parties.

For example - If John is the father of Tom & Sam and John is recorded as Parent-of Sam & Tom, system should automatically record Tom as Child-of John and Sam as Child of John.

Attribute Name	Type	Description	Example
Party ID	Text	ID of the primary party involved in the relationship.
Related Party	Text	ID of the related party involved in the relationship.
Relationship Type	Enum-Dynamic	Nature of the relationship between the two parties	Parent-of, Wife-of, Subsidiary-of
Start Date	Date	Date from which the relationship is applicable or effective from.
Hierarchy Type	Enum	Identifies the hierarchy in the relationship. It is applicable primarily for relationship between Corporate Entities.	Parent, Child or Other
Ownership Percentage	Text	Indicates the Percentage of ownership on the related party. It is applicable primarily for relationship between Corporate Entities.
End Date	Date	Date on which the relationship between the parties is deemed to have ended.

Relationship Type

Relationship Type is a reference data entity that identifies the nature of relationship such as Parent-of, Wife-of, or Subsidiary-of.

It is possible to define the granular level of Relationship Types as required by the client implementation.

Every relationship type must be defined with the reverse relationship type. For example, the Parent-Of relationship type must be defined with the reverse relationship type as Child-Of.

Attribute Name	Type	Description	Example
Relationship Type	Text	Identifies the nature of relationship between two parties.	Parent-of, Subsidiary-of
Description	Text	Short description of the relationship type
Reverse Relationship Type	Text	Identifies the reverse relationship between two parties.	Child-of, Parent-Organisation-of
Reverse Relationship Description	Text	Short description of the reverse relationship type
Hierarchy Type	Enum	Identifies the hierarchy in the Relationship. Applicable primarily for the relationship between Corporate Entities. Defaulted when	Parent, Child or Other
Party Role	Enum-Dynamic	List of Party Roles associated with the respective Relationship Types. Example: Sole-Proprietor-of relation code can be linked to Party Role Associated Party.

Party – Main Entity

Main Entity captures the basic details of a party such as Name, Date of Birth, and Nationality.

Attribute Name	Type	Description	Example
Date of Birth	Date	Date of birth of the party as recorded in the Date of Birth document. It is applicable only for Individuals.	1956-07-04
Date of Death	Date	Date of death of the party as recorded in the Death certificate. It is applicable only for Individuals.	2020-07-04
Notification of Death	Date	Date on which the bank was notified about the death of the party. It is applicable only for Individuals.	2020-07-10
City of Birth	Text	City of birth of the party as recorded in the Date of Birth document. It is applicable only for Individuals.	Dallas
Country of Birth	Text	Country of birth of the party as recorded in the Date of Birth document. It is applicable only for Individuals.	US
Gender		Gender of the individual. It is applicable only for Individuals.	Male, Female
Marital Status		Identifies the legally defined marital state of an individual. It is applicable only for Individuals.	Married, Single, Divorced
Default Language	Enum-Dynamic	The preferred language that can be used for communication with the customer.	English
No Of Dependents	Text	Number of financially dependent persons of the party	1,2
Reason for No Citizenship	Text	Reason for party not holding the citizenship in the country of residence.	Asylum Claim Pending for Approval
Party Type	Enum-Dynamic	Identifies the nature of the party.	Individual, Corporate.
Party Status	Text	Identifies the current status of party.	Active, Inactive
First Name	Text	First Name of the party. It is applicable only for Individuals.
Middle Name	Text	Middle Name of the party. It is applicable only for Individuals.
Last Name	Text	Last Name of the party. It is applicable only for Individuals.
Nick Name	Text	Short Name of the party. It is applicable only for Individuals.
Suffix	Text
Alias	Text	Any alias name by which the party is known. It is applicable only for Individuals.
Entity Name	Text	Name of the Entity or Organization. It is applicable only for Organization.

Party – Other Name

Other Names is a collection as a part of party main entity. It stores the names by which an organization is known. An organization can have one or more name types.

Attribute Name	Type	Description	Example
Name Type	Enum-Dynamic	Indicated the type of the entity name.	Legal Name
From Date	Date	Date from which the respective name is applicable.
Name	Text	Name of the entity.
Name Language	Enum-Dynamic	Language in which the name is expressed.	English
To Date	Date	Date until which the respective name was applicable for the entity.

Party – Citizenship

Citizenship is a collection as a part of party main entity. It stores the list of countries where the individual holds the citizenship or held citizenship previously.

Attribute Name	Type	Description	Example
Country of Citizenship	Enum-Dynamic	Identifies the country where the party holds or held the citizenship.	US, GB
End Date	Date	Date on which the citizenship of the party in the respective country was revoked.

Party – Person Position

Person Position is a collection as a part of the main entity of the party. It stores the details of the important positions that are held by the respective party. For example, Prime Minister.

Attribute Name	Type	Description	Example
Person Position Type	Enum-Dynamic	Identifies the nature of the Person Position Type	Prime Minister, Health Secretary
Country of Position	Enum-Dynamic	Country in which the party held the position.	US, GB
Effective From Date	Date	Date from which the party held the position
Effective To Date	Date	Date until which the party held the position
Last Update	Date	Last date on which the respective person position data is updated.
Information Source	Text	Source from which the information of the party position was obtained.	Media

Party – Residence

The residence is a collection as a part of the main entity of the party. It stores information about the domicile and residence for a person.

Attribute Name	Type	Description	Example
Residence Type	Enum-Dynamic	Nature of the residence type.	Domicile
Country	Enum-Dynamic	Country of the residence type	US, GB
Status	Text	Status of the respective residence type.	Active, Inactive
Statutory Requirement Met	Enum	Specifies whether the party met the statutory requirements of the country to be a resident.	True / False
Status Comments	Text	Details about the status of residency.
End Date	Date	Date until which the party held the respective residency.

Party – Other Risk Indicators

Other Risk Indicators is a collection as a part of the party main entity. It captures the specific risk indicators identified for the party. For example, Adverse Media and High Risk.

Attribute Name	Type	Description	Example
Risk Type	Enum-Dynamic	Indicates the nature of risk applicable for the party.	Adverse Media
Does Risk Apply	Enum	Indicates if the respective risk type is still applicable for the party.	True / False
Explanation If Applies	Text	Reason for the risk that is applicable for the party.
Explanation Not Apply	Text	Reason for the risk that is not applicable for the party

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