form 91/98 report, min max value update in AML rule and whihc rule apply day, week, month and some more updates

2026-08-02 11:45:54 +05:30
parent abc7eb22a2
commit c890faee78
6 changed files with 207 additions and 2 deletions
@@ -56,6 +56,10 @@ public final class KycRiskRuleData implements Serializable {
     *  linked {@code m_aml_transaction_rule} row has tiering configured (e.g. RTGS monitoring). */
    private final BigDecimal txnThresholdAmountMediumRisk;
    private final BigDecimal txnThresholdAmountHighRisk;
+    /** Declarative band the rule covers, for display on the AML Rules Master screen. Never
+     *  used in matching; a null maximum means the rule is genuinely open-ended. */
+    private final BigDecimal txnMinLimitAmount;
+    private final BigDecimal txnMaxLimitAmount;

    public KycRiskRuleData(final Long id, final String ruleName, final Integer legalFormId,
            final Long occupationCategoryCvId, final String occupationCategoryName,
@@ -67,7 +71,8 @@ public final class KycRiskRuleData implements Serializable {
            final String amlCheckStatus, final String bannedEntityMatch,
            final String willfulDefaulter, final String ecgcSalFlag, final String dormantFlag,
            final BigDecimal txnThresholdAmount, final String txnRuleType, final Integer txnWindowDays,
-            final BigDecimal txnThresholdAmountMediumRisk, final BigDecimal txnThresholdAmountHighRisk) {
+            final BigDecimal txnThresholdAmountMediumRisk, final BigDecimal txnThresholdAmountHighRisk,
+            final BigDecimal txnMinLimitAmount, final BigDecimal txnMaxLimitAmount) {
        this.id = id;
        this.ruleName = ruleName;
        this.legalFormId = legalFormId;
@@ -94,6 +99,8 @@ public final class KycRiskRuleData implements Serializable {
        this.txnWindowDays = txnWindowDays;
        this.txnThresholdAmountMediumRisk = txnThresholdAmountMediumRisk;
        this.txnThresholdAmountHighRisk = txnThresholdAmountHighRisk;
+        this.txnMinLimitAmount = txnMinLimitAmount;
+        this.txnMaxLimitAmount = txnMaxLimitAmount;
    }

    public Long getId() {
@@ -199,4 +206,12 @@ public final class KycRiskRuleData implements Serializable {
    public BigDecimal getTxnThresholdAmountHighRisk() {
        return txnThresholdAmountHighRisk;
    }
+
+    public BigDecimal getTxnMinLimitAmount() {
+        return txnMinLimitAmount;
+    }
+
+    public BigDecimal getTxnMaxLimitAmount() {
+        return txnMaxLimitAmount;
+    }
 }
@@ -80,7 +80,9 @@ public class KycRiskRulesReadPlatformServiceImpl implements KycRiskRulesReadPlat
            txnRule != null ? txnRule.getRuleType().name() : null,
            txnRule != null ? txnRule.getWindowDays() : null,
            txnRule != null ? txnRule.getThresholdAmountMediumRisk() : null,
-            txnRule != null ? txnRule.getThresholdAmountHighRisk() : null
+            txnRule != null ? txnRule.getThresholdAmountHighRisk() : null,
+            txnRule != null ? txnRule.getMinLimitAmount() : null,
+            txnRule != null ? txnRule.getMaxLimitAmount() : null
        );
    }
 }
@@ -493,4 +493,6 @@
    <include file="parts/0438_add_tiered_thresholds_and_low_balance_rule.xml" relativeToChangelogFile="true"/>
    <include file="parts/0439_fill_client_risk_rule_income_turnover_nulls.xml" relativeToChangelogFile="true"/>
    <include file="parts/0440_seed_aml_test_alerts.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0441_add_aml_rule_limit_bands.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0442_seed_branch_offices.xml" relativeToChangelogFile="true"/>
 </databaseChangeLog>
@@ -0,0 +1,107 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements. See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership. The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License. You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied. See the License for the
+    specific language governing permissions and limitations
+    under the License.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.13.xsd">
+
+    <!--
+        Declarative min/max band for each AML transaction rule, used by the AML Rules
+        Master screen.
+
+        These are deliberately NOT the existing threshold_amount_medium_risk /
+        threshold_amount_high_risk columns: those are live alerting overrides consumed by
+        AmlRuleEvaluationServiceImpl.resolveThreshold(), and populating them purely to fill
+        a display column would change which transactions raise alerts. These new columns
+        are read-only documentation of the band a rule covers and never affect matching.
+    -->
+    <changeSet author="fineract" id="0441-1">
+        <preConditions onFail="MARK_RAN">
+            <not>
+                <columnExists tableName="m_aml_transaction_rule" columnName="min_limit_amount"/>
+            </not>
+        </preConditions>
+        <addColumn tableName="m_aml_transaction_rule">
+            <column name="min_limit_amount" type="DECIMAL(19,6)"/>
+            <column name="max_limit_amount" type="DECIMAL(19,6)"/>
+        </addColumn>
+    </changeSet>
+
+    <!--
+        Band values. The minimum is the amount at which the rule starts to bite; the maximum
+        is the amount beyond which the exposure is treated as materially more serious and
+        escalated. A NULL maximum means the rule is genuinely open-ended.
+    -->
+    <changeSet author="fineract" id="0441-2">
+        <sql>
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 1000000, max_limit_amount = 2500000
+                WHERE rule_code = 'CTR_THRESHOLD_10L';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 1000000, max_limit_amount = 2500000
+                WHERE rule_code = 'STRUCTURED_CTR_10L_MONTHLY';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 2500000, max_limit_amount = 5000000
+                WHERE rule_code = 'LARGE_CASH_TXN_25L';
+            -- Structuring rules watch the band immediately BELOW the reporting threshold.
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 700000, max_limit_amount = 1000000
+                WHERE rule_code = 'STRUCTURING_BELOW_10L';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 35000, max_limit_amount = 50000
+                WHERE rule_code = 'STRUCTURING_BELOW_50K';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 900000, max_limit_amount = 1000000
+                WHERE rule_code = 'FREQUENT_CASH_NEAR_10L';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 50000, max_limit_amount = 200000
+                WHERE rule_code = 'FREQUENT_LOW_CASH_DEPOSIT';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 50000, max_limit_amount = 200000
+                WHERE rule_code = 'FREQUENT_LOW_CASH_WITHDRAWAL';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 500000, max_limit_amount = 2000000
+                WHERE rule_code = 'RTGS_HIGH_VALUE';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 2000000, max_limit_amount = 5000000
+                WHERE rule_code = 'JEWELLER_ACCOUNT_LARGE_TXN';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 50000, max_limit_amount = 200000
+                WHERE rule_code = 'CHARITABLE_ORG_CASH_WITHDRAWAL';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 50000, max_limit_amount = 500000
+                WHERE rule_code = 'PEP_ACCOUNT_MONITORING';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 500000, max_limit_amount = 1000000
+                WHERE rule_code = 'NEW_ACCOUNT_LARGE_TXN';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 200000, max_limit_amount = 500000
+                WHERE rule_code = 'LOAN_REPAYMENT_IN_CASH';
+            UPDATE m_aml_transaction_rule SET min_limit_amount = 1000000, max_limit_amount = 2500000
+                WHERE rule_code = 'LOW_BALANCE_HIGH_ACTIVITY';
+            -- RAPID_MOVEMENT_IN_ACCOUNTS is a pure velocity rule with no monetary threshold,
+            -- so it is intentionally left without a band.
+        </sql>
+    </changeSet>
+
+    <!--
+        The three High-risk income rules were seeded with a floor but a zero ceiling, which the
+        UI cannot distinguish from "not captured". Normalise the zeros to NULL so an absent
+        ceiling reads as genuinely open-ended, and give the medium bands their missing floors.
+    -->
+    <changeSet author="fineract" id="0441-3">
+        <sql>
+            UPDATE m_client_risk_rule SET max_monthly_income  = NULL WHERE max_monthly_income  = 0;
+            UPDATE m_client_risk_rule SET max_annual_income   = NULL WHERE max_annual_income   = 0;
+            UPDATE m_client_risk_rule SET max_annual_turnover = NULL WHERE max_annual_turnover = 0;
+            UPDATE m_client_risk_rule SET min_monthly_income  = NULL WHERE min_monthly_income  = 0;
+            UPDATE m_client_risk_rule SET min_annual_income   = NULL WHERE min_annual_income   = 0;
+            UPDATE m_client_risk_rule SET min_annual_turnover = NULL WHERE min_annual_turnover = 0;
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>
@@ -0,0 +1,59 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!--
+
+    Licensed to the Apache Software Foundation (ASF) under one
+    or more contributor license agreements. See the NOTICE file
+    distributed with this work for additional information
+    regarding copyright ownership. The ASF licenses this file
+    to you under the Apache License, Version 2.0 (the
+    "License"); you may not use this file except in compliance
+    with the License. You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+    Unless required by applicable law or agreed to in writing,
+    software distributed under the License is distributed on an
+    "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+    KIND, either express or implied. See the License for the
+    specific language governing permissions and limitations
+    under the License.
+
+-->
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.13.xsd">
+
+    <!--
+        Branch offices under Head Office.
+
+        Until now the tenant had a single office, so "see only my branch" had nothing to
+        scope to. external_id carries the branch code used by the General Ledger and the
+        RBI return screens, which is what lets a logged-in user's office be resolved to a
+        branch without matching on display names.
+    -->
+    <changeSet author="fineract" id="0442-1">
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_office WHERE external_id IN ('0002','0003','0004','0005','0006')</sqlCheck>
+        </preConditions>
+        <sql>
+            INSERT INTO m_office (parent_id, hierarchy, external_id, name, opening_date)
+            VALUES
+                ((SELECT id FROM m_office WHERE hierarchy = '.'), '.2.', '0002', 'Andheri (E)', DATE '2018-04-01'),
+                ((SELECT id FROM m_office WHERE hierarchy = '.'), '.3.', '0003', 'Bandra (W)',  DATE '2018-04-01'),
+                ((SELECT id FROM m_office WHERE hierarchy = '.'), '.4.', '0004', 'Borivali',    DATE '2019-07-01'),
+                ((SELECT id FROM m_office WHERE hierarchy = '.'), '.5.', '0005', 'Dadar',       DATE '2020-01-02'),
+                ((SELECT id FROM m_office WHERE hierarchy = '.'), '.6.', '0006', 'Thane',       DATE '2021-06-01');
+        </sql>
+    </changeSet>
+
+    <!-- Head Office carries the branch code the GL ledger uses for it. -->
+    <changeSet author="fineract" id="0442-2">
+        <preConditions onFail="MARK_RAN">
+            <sqlCheck expectedResult="0">SELECT COUNT(*) FROM m_office WHERE external_id = 'HO'</sqlCheck>
+        </preConditions>
+        <sql>
+            UPDATE m_office SET external_id = 'HO' WHERE hierarchy = '.';
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>