implementation of loan product creation

Adds validation so Transfer-to-Savings can only target a real savings account,
with a proper user-facing message instead of the generic validation error.
Fixes three duplicate journal-entry bugs uncovered while testing FD/RD
maturity: the dormant-accounts job re-posting already-closed accounts
(escheat/setSubStatusInactive/setSubStatusDormant), and the maturity-closure
flow itself re-deriving accounting for a withdrawal that the account-transfer
service had already posted.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

.gitignore

@@ -37,4 +37,13 @@ gradleExp/
 .windsurf/
 
 # Application logs
-fineract-provider/logs/
+fineract-provider/logs/
+logs/
+
+# Output of a local `gradlew devRun`
+devrun.log
+
+# JVM crash dumps. The dev setup runs Fineract, the Angular dev server and Gradle on one
+# machine, so an out-of-memory kill drops these in the repo root.
+hs_err_pid*.log
+replay_pid*.log

auth.json

@@ -0,0 +1 @@
+{"username":"mifos", "password":"password"}

build.gradle

@@ -159,7 +159,7 @@ gitVersioning.apply {
 }
 
 ext['groovy.version'] = '4.0.17'
-ext['swaggerFile'] = "$rootDir/fineract-provider/build/resources/main/static/fineract.json".toString()
+ext['swaggerFile'] = "$rootDir/fineract-provider/build/resources/main/static/fineract.json".toString().replace(" ", "%20")
 
 // Apply static weaving configuration to all subprojects
 subprojects { subproject ->

fetch_accounts.js

@@ -0,0 +1,18 @@
+const https = require('https');
+const agent = new https.Agent({ rejectUnauthorized: false });
+
+fetch('https://localhost:8443/fineract-provider/api/v1/authentication?username=mifos&password=password&tenantIdentifier=default', {
+    method: 'POST',
+    agent: agent
+}).then(res => res.json()).then(data => {
+    const token = data.base64EncodedAuthenticationKey;
+    return fetch('https://localhost:8443/fineract-provider/api/v1/clients/9/accounts?tenantIdentifier=default', {
+        headers: {
+            'Authorization': 'Basic ' + token,
+            'Fineract-Platform-TenantId': 'default'
+        },
+        agent: agent
+    });
+}).then(res => res.json()).then(data => {
+    console.log(JSON.stringify(data, null, 2));
+}).catch(console.error);

fineract-accounting/src/main/resources/jpa/static-weaving/module/fineract-accounting/persistence.xml

@@ -54,6 +54,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-branch/src/main/resources/jpa/static-weaving/module/fineract-branch/persistence.xml

@@ -54,6 +54,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-charge/src/main/resources/jpa/static-weaving/module/fineract-charge/persistence.xml

@@ -54,6 +54,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-client/build.gradle

@@ -183,7 +183,7 @@ task cleanupGeneratedJavaFiles() {
 // Configure Java compilation
 tasks.named('compileJava') {
     outputs.cacheIf { true }
-    dependsOn(buildJavaSdk, buildTypescriptAngularSdk, buildAsciidoc, cleanupGeneratedJavaFiles, licenseFormatMain, spotlessMiscApply)
+    dependsOn(buildJavaSdk, cleanupGeneratedJavaFiles, licenseFormatMain, spotlessMiscApply)
     mustRunAfter(licenseFormatMain, cleanupGeneratedJavaFiles)
 }
 

fineract-cob/src/main/resources/jpa/static-weaving/module/fineract-cob/persistence.xml

@@ -53,6 +53,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-core/src/main/java/org/apache/fineract/accounting/common/AccountingConstants.java

@@ -436,7 +436,9 @@ public final class AccountingConstants {
         CASH_AT_TELLER(102, "cashAtTeller", GLAccountType.ASSET), //
         OPENING_BALANCES_TRANSFER_CONTRA(300, "openingBalancesTransferContra", GLAccountType.EQUITY), //
         ASSET_FUND_SOURCE(103, "fundSource", GLAccountType.ASSET), //
-        PAYABLE_DIVIDENDS(201, "payableDividends", GLAccountType.LIABILITY); //
+        PAYABLE_DIVIDENDS(201, "payableDividends", GLAccountType.LIABILITY), //
+        RESERVE_FOR_DIVIDEND(301, "reserveForDividend", GLAccountType.EQUITY), //
+        DIVIDEND_FORFEITED_INCOME(400, "dividendForfeitedIncome", GLAccountType.INCOME); //
 
         private final Integer value;
         private final String code;

fineract-core/src/main/java/org/apache/fineract/infrastructure/core/data/DataValidatorBuilder.java

@@ -130,6 +130,19 @@ public class DataValidatorBuilder {
         this.dataValidationErrors.add(error);
     }
 
+    /**
+     * Like {@link #failWithCode(String, Object...)}, but the caller's own message is what's actually shown to the
+     * user (that method always renders the generic "Failed data validation due to: {errorCode}." regardless of the
+     * args passed to it).
+     */
+    public void failWithCodeAndMessage(final String errorCode, final String defaultUserMessage,
+            final Object... defaultUserMessageArgs) {
+        String validationErrorCode = "validation.msg." + this.resource + "." + this.parameter + "." + errorCode;
+        final ApiParameterError error = ApiParameterError.parameterError(validationErrorCode, defaultUserMessage, this.parameter,
+                this.value, defaultUserMessageArgs);
+        this.dataValidationErrors.add(error);
+    }
+
     public void failWithCodeNoParameterAddedToErrorCode(final String errorCode, final Object... defaultUserMessageArgs) {
         String validationErrorCode = "validation.msg." + this.resource + "." + errorCode;
         String defaultEnglishMessage = "Failed data validation due to: " + errorCode + ".";

fineract-core/src/main/java/org/apache/fineract/infrastructure/jobs/service/JobName.java

@@ -38,6 +38,7 @@ public enum JobName {
     GENERATE_RD_SCEHDULE("Generate Mandatory Savings Schedule"), //
     GENERATE_LOANLOSS_PROVISIONING("Generate Loan Loss Provisioning"), //
     POST_DIVIDENTS_FOR_SHARES("Post Dividends For Shares"), //
+    FORFEIT_UNCLAIMED_DIVIDENDS("Forfeit Unclaimed Dividends"), //
     UPDATE_SAVINGS_DORMANT_ACCOUNTS("Update Savings Dormant Accounts"), //
     ADD_PERIODIC_ACCRUAL_ENTRIES_FOR_LOANS_WITH_INCOME_POSTED_AS_TRANSACTIONS(
             "Add Accrual Transactions For Loans With Income Posted As Transactions"), //
@@ -65,6 +66,8 @@ public enum JobName {
     NEFT_BATCH_PROCESS("NEFT Batch Process"), //
     VERIFICATION_TOKEN_CLEANUP("Verification Token Cleanup"), //
     OUTWARD_CLEARING_BATCH_SEND("CTS Outward Clearing Batch Send"), //
+    CTR_REPORT_GENERATION("AML Monthly CTR Report Generation"), //
+    AML_STR_WEEKLY_DIGEST("AML STR Weekly Digest"), //
     ; //
 
     private final String name;

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlert.java

@@ -0,0 +1,160 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * One row per {@link AmlTransactionRule} hit on a live transaction. Raised regardless of the
+ * client's current KYC risk category - alerting is never suppressed by a client being Low/Medium
+ * risk. First reviewed by an AML Officer (whitelist or escalate); an ESCALATED alert spawns an
+ * {@link AmlStrCase} for the Principal Officer.
+ */
+@Entity
+@Table(name = "m_aml_alert")
+public class AmlAlert extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "transaction_type", nullable = false, length = 20)
+    private String transactionType;
+
+    @Column(name = "transaction_id", nullable = false)
+    private Long transactionId;
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @ManyToOne
+    @JoinColumn(name = "rule_id", nullable = false)
+    private AmlTransactionRule rule;
+
+    @Column(name = "amount", nullable = false, precision = 19, scale = 6)
+    private BigDecimal amount;
+
+    @Column(name = "currency_code", length = 3)
+    private String currencyCode;
+
+    @Column(name = "raised_on", nullable = false)
+    private LocalDateTime raisedOn;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @ManyToOne
+    @JoinColumn(name = "reviewed_by")
+    private AppUser reviewedBy;
+
+    @Column(name = "reviewed_on")
+    private LocalDateTime reviewedOn;
+
+    @Column(name = "review_notes", length = 1000)
+    private String reviewNotes;
+
+    @Column(name = "disposition", length = 20)
+    private String disposition;
+
+    protected AmlAlert() {}
+
+    public static AmlAlert raise(AmlTransactionType transactionType, Long transactionId, Client client, AmlTransactionRule rule,
+            BigDecimal amount, String currencyCode, LocalDateTime raisedOn) {
+        final AmlAlert alert = new AmlAlert();
+        alert.transactionType = transactionType.name();
+        alert.transactionId = transactionId;
+        alert.client = client;
+        alert.rule = rule;
+        alert.amount = amount;
+        alert.currencyCode = currencyCode;
+        alert.raisedOn = raisedOn;
+        alert.status = AmlAlertStatus.RAISED.name();
+        return alert;
+    }
+
+    public void whitelist(AppUser reviewer, String notes) {
+        this.reviewedBy = reviewer;
+        this.reviewedOn = LocalDateTime.now();
+        this.reviewNotes = notes;
+        this.disposition = AmlAlertDisposition.WHITELIST.name();
+        this.status = AmlAlertStatus.WHITELISTED.name();
+    }
+
+    public void escalate(AppUser reviewer, String notes) {
+        this.reviewedBy = reviewer;
+        this.reviewedOn = LocalDateTime.now();
+        this.reviewNotes = notes;
+        this.disposition = AmlAlertDisposition.ESCALATE.name();
+        this.status = AmlAlertStatus.ESCALATED.name();
+    }
+
+    public Long getTransactionId() {
+        return transactionId;
+    }
+
+    public AmlTransactionType getTransactionType() {
+        return AmlTransactionType.valueOf(transactionType);
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public AmlTransactionRule getRule() {
+        return rule;
+    }
+
+    public BigDecimal getAmount() {
+        return amount;
+    }
+
+    public String getCurrencyCode() {
+        return currencyCode;
+    }
+
+    public LocalDateTime getRaisedOn() {
+        return raisedOn;
+    }
+
+    public AmlAlertStatus getStatus() {
+        return AmlAlertStatus.valueOf(status);
+    }
+
+    public AppUser getReviewedBy() {
+        return reviewedBy;
+    }
+
+    public LocalDateTime getReviewedOn() {
+        return reviewedOn;
+    }
+
+    public String getReviewNotes() {
+        return reviewNotes;
+    }
+
+    public AmlAlertDisposition getDisposition() {
+        return disposition == null ? null : AmlAlertDisposition.valueOf(disposition);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlertDisposition.java

@@ -0,0 +1,25 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+/** The AML Officer's first-level disposition of an {@link AmlAlert}. */
+public enum AmlAlertDisposition {
+
+    WHITELIST, ESCALATE
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlertRepository.java

@@ -0,0 +1,47 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface AmlAlertRepository extends JpaRepository<AmlAlert, Long> {
+
+    List<AmlAlert> findByStatusOrderByRaisedOnAsc(String status);
+
+    @Query("SELECT COALESCE(SUM(a.amount), 0) FROM AmlAlert a WHERE a.client.id = :clientId "
+            + "AND a.transactionType = :transactionType AND a.raisedOn >= :since")
+    BigDecimal sumAmountForClientSince(@Param("clientId") Long clientId, @Param("transactionType") String transactionType,
+            @Param("since") LocalDateTime since);
+
+    long countByClientId(Long clientId);
+
+    /** Alerts for one customer inside the recurring-behaviour observation window. */
+    long countByClient_IdAndRaisedOnGreaterThanEqual(Long clientId, LocalDateTime since);
+
+    /**
+     * Alerts already raised against one transaction under one rule. Used to stop the same ledger entry being marked
+     * twice, which would put two STR cases in front of the Principal Officer for a single transaction.
+     */
+    List<AmlAlert> findByRule_IdAndTransactionId(Long ruleId, Long transactionId);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlertStatus.java

@@ -0,0 +1,24 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+public enum AmlAlertStatus {
+
+    RAISED, UNDER_REVIEW, WHITELISTED, ESCALATED
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAppliesTo.java

@@ -0,0 +1,29 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+/** Which transaction type(s) an {@link AmlTransactionRule} evaluates against. */
+public enum AmlAppliesTo {
+
+    SAVINGS, LOAN, TRANSFER, ALL;
+
+    public boolean matches(AmlTransactionType transactionType) {
+        return this == ALL || this.name().equals(transactionType.name());
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlCtrReport.java

@@ -0,0 +1,97 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+
+/**
+ * Monthly, mechanical CTR batch header - purely threshold-based (₹10L+ cash, individually or
+ * connected), no Principal Officer judgment involved. One row per calendar month.
+ */
+@Entity
+@Table(name = "m_aml_ctr_report")
+public class AmlCtrReport extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "report_month", nullable = false, length = 7)
+    private String reportMonth;
+
+    @Column(name = "generated_on", nullable = false)
+    private LocalDateTime generatedOn;
+
+    @Column(name = "record_count", nullable = false)
+    private int recordCount;
+
+    @Column(name = "file_reference", length = 150)
+    private String fileReference;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @Column(name = "submitted_on")
+    private LocalDateTime submittedOn;
+
+    protected AmlCtrReport() {}
+
+    public static AmlCtrReport draft(String reportMonth, LocalDateTime generatedOn, int recordCount) {
+        final AmlCtrReport report = new AmlCtrReport();
+        report.reportMonth = reportMonth;
+        report.generatedOn = generatedOn;
+        report.recordCount = recordCount;
+        report.status = AmlCtrReportStatus.DRAFT.name();
+        return report;
+    }
+
+    public void markGenerated(String fileReference) {
+        this.fileReference = fileReference;
+        this.status = AmlCtrReportStatus.GENERATED.name();
+    }
+
+    public void markSubmitted(LocalDateTime submittedOn) {
+        this.submittedOn = submittedOn;
+        this.status = AmlCtrReportStatus.SUBMITTED.name();
+    }
+
+    public String getReportMonth() {
+        return reportMonth;
+    }
+
+    public LocalDateTime getGeneratedOn() {
+        return generatedOn;
+    }
+
+    public int getRecordCount() {
+        return recordCount;
+    }
+
+    public String getFileReference() {
+        return fileReference;
+    }
+
+    public AmlCtrReportStatus getStatus() {
+        return AmlCtrReportStatus.valueOf(status);
+    }
+
+    public LocalDateTime getSubmittedOn() {
+        return submittedOn;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlCtrReportLine.java

@@ -0,0 +1,103 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+
+/**
+ * One line per transaction (or connected-transaction group, when {@link #connectedGroup} is true)
+ * feeding a monthly {@link AmlCtrReport}.
+ */
+@Entity
+@Table(name = "m_aml_ctr_report_line")
+public class AmlCtrReportLine {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @ManyToOne
+    @JoinColumn(name = "ctr_report_id", nullable = false)
+    private AmlCtrReport ctrReport;
+
+    @Column(name = "transaction_type", nullable = false, length = 20)
+    private String transactionType;
+
+    @Column(name = "transaction_id")
+    private Long transactionId;
+
+    @Column(name = "client_id", nullable = false)
+    private Long clientId;
+
+    @Column(name = "amount", nullable = false, precision = 19, scale = 6)
+    private BigDecimal amount;
+
+    @Column(name = "is_connected_group", nullable = false)
+    private boolean connectedGroup;
+
+    protected AmlCtrReportLine() {}
+
+    public static AmlCtrReportLine of(AmlCtrReport ctrReport, AmlTransactionType transactionType, Long transactionId, Long clientId,
+            BigDecimal amount, boolean connectedGroup) {
+        final AmlCtrReportLine line = new AmlCtrReportLine();
+        line.ctrReport = ctrReport;
+        line.transactionType = transactionType.name();
+        line.transactionId = transactionId;
+        line.clientId = clientId;
+        line.amount = amount;
+        line.connectedGroup = connectedGroup;
+        return line;
+    }
+
+    public Long getId() {
+        return id;
+    }
+
+    public AmlCtrReport getCtrReport() {
+        return ctrReport;
+    }
+
+    public AmlTransactionType getTransactionType() {
+        return AmlTransactionType.valueOf(transactionType);
+    }
+
+    public Long getTransactionId() {
+        return transactionId;
+    }
+
+    public Long getClientId() {
+        return clientId;
+    }
+
+    public BigDecimal getAmount() {
+        return amount;
+    }
+
+    public boolean isConnectedGroup() {
+        return connectedGroup;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlCtrReportLineRepository.java

@@ -0,0 +1,27 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlCtrReportLineRepository extends JpaRepository<AmlCtrReportLine, Long> {
+
+    List<AmlCtrReportLine> findByCtrReport_Id(Long ctrReportId);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlCtrReportRepository.java

@@ -0,0 +1,27 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlCtrReportRepository extends JpaRepository<AmlCtrReport, Long> {
+
+    Optional<AmlCtrReport> findByReportMonth(String reportMonth);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlCtrReportStatus.java

@@ -0,0 +1,24 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+public enum AmlCtrReportStatus {
+
+    DRAFT, GENERATED, SUBMITTED
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlRecurringReview.java

@@ -0,0 +1,109 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * A reviewer's judgement on a customer who repeatedly trips the AML engine.
+ *
+ * Distinct from the per-transaction disposition held on {@link AmlAlert}: that answers "was this
+ * transaction acceptable", this answers "is this customer's pattern of behaviour acceptable".
+ * {@link #alertCountAtReview} is what lets the queue clear — see the 0460 changelog.
+ */
+@Entity
+@Table(name = "m_aml_recurring_review")
+public class AmlRecurringReview {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @ManyToOne(optional = false)
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @Column(name = "alert_count_at_review", nullable = false)
+    private Integer alertCountAtReview;
+
+    @Column(name = "outcome", nullable = false, length = 30)
+    private String outcome;
+
+    @Column(name = "notes", nullable = false, length = 1000)
+    private String notes;
+
+    @ManyToOne(optional = false)
+    @JoinColumn(name = "reviewed_by", nullable = false)
+    private AppUser reviewedBy;
+
+    @Column(name = "reviewed_on", nullable = false)
+    private LocalDateTime reviewedOn;
+
+    protected AmlRecurringReview() {}
+
+    public static AmlRecurringReview record(final Client client, final int alertCountAtReview,
+            final AmlRecurringReviewOutcome outcome, final String notes, final AppUser reviewedBy) {
+        final AmlRecurringReview review = new AmlRecurringReview();
+        review.client = client;
+        review.alertCountAtReview = alertCountAtReview;
+        review.outcome = outcome.name();
+        review.notes = notes;
+        review.reviewedBy = reviewedBy;
+        review.reviewedOn = LocalDateTime.now();
+        return review;
+    }
+
+    public Long getId() {
+        return id;
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public Integer getAlertCountAtReview() {
+        return alertCountAtReview;
+    }
+
+    public AmlRecurringReviewOutcome getOutcome() {
+        return AmlRecurringReviewOutcome.valueOf(outcome);
+    }
+
+    public String getNotes() {
+        return notes;
+    }
+
+    public AppUser getReviewedBy() {
+        return reviewedBy;
+    }
+
+    public LocalDateTime getReviewedOn() {
+        return reviewedOn;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlRecurringReviewOutcome.java

@@ -0,0 +1,30 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+/** What a reviewer concluded about a customer's repeated AML activity. */
+public enum AmlRecurringReviewOutcome {
+
+    /** Behaviour explained and acceptable — nothing further, but the customer stays visible if it recurs. */
+    CLEARED,
+    /** Not conclusive; keep watching this customer more closely. */
+    MONITOR,
+    /** Warrants an STR case; the reviewer escalates the individual alerts separately. */
+    ESCALATED
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlRecurringReviewRepository.java

@@ -0,0 +1,28 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlRecurringReviewRepository extends JpaRepository<AmlRecurringReview, Long> {
+
+    /** Newest first, so the caller can take the head as the latest review for a customer. */
+    List<AmlRecurringReview> findByClient_IdOrderByReviewedOnDesc(Long clientId);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlRuleType.java

@@ -0,0 +1,33 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+/**
+ * How an {@link AmlTransactionRule} is evaluated.
+ *
+ * <ul>
+ * <li>THRESHOLD - a single transaction at or above {@code thresholdAmount}</li>
+ * <li>STRUCTURING - connected transactions summing at/above {@code thresholdAmount} within {@code windowDays}</li>
+ * <li>VELOCITY - unusual frequency of transactions within {@code windowDays}, independent of a fixed amount</li>
+ * </ul>
+ */
+public enum AmlRuleType {
+
+    THRESHOLD, STRUCTURING, VELOCITY
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlStrCase.java

@@ -0,0 +1,164 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.LocalDate;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * Created when an {@link AmlAlert} is escalated past first-level review. {@link #concludedOn} is
+ * the Principal Officer's conclusion date - the RBI-mandated 7-working-day FIU filing clock
+ * ({@link #fiuDueDate}) starts here, never at the alert or transaction date.
+ */
+@Entity
+@Table(name = "m_aml_str_case")
+public class AmlStrCase extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @ManyToOne
+    @JoinColumn(name = "alert_id", nullable = false)
+    private AmlAlert alert;
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @ManyToOne
+    @JoinColumn(name = "assigned_po")
+    private AppUser assignedPo;
+
+    @Column(name = "investigation_notes", length = 2000)
+    private String investigationNotes;
+
+    @Column(name = "source_of_funds_notes", length = 2000)
+    private String sourceOfFundsNotes;
+
+    @Column(name = "conclusion", length = 20)
+    private String conclusion;
+
+    @ManyToOne
+    @JoinColumn(name = "concluded_by")
+    private AppUser concludedBy;
+
+    @Column(name = "concluded_on")
+    private LocalDate concludedOn;
+
+    @Column(name = "fiu_due_date")
+    private LocalDate fiuDueDate;
+
+    @Column(name = "str_filed_on")
+    private LocalDate strFiledOn;
+
+    @Column(name = "str_reference_no", length = 100)
+    private String strReferenceNo;
+
+    @Column(name = "status", nullable = false, length = 25)
+    private String status;
+
+    protected AmlStrCase() {}
+
+    public static AmlStrCase openFor(AmlAlert alert) {
+        final AmlStrCase strCase = new AmlStrCase();
+        strCase.alert = alert;
+        strCase.client = alert.getClient();
+        strCase.status = AmlStrCaseStatus.OPEN.name();
+        return strCase;
+    }
+
+    public void assignPrincipalOfficer(AppUser po) {
+        this.assignedPo = po;
+    }
+
+    /** {@code fiuDueDate} is computed by the caller using the working-days calendar, not here. */
+    public void conclude(AppUser po, AmlStrConclusion conclusion, String investigationNotes, String sourceOfFundsNotes,
+            LocalDate concludedOn, LocalDate fiuDueDate) {
+        this.concludedBy = po;
+        this.conclusion = conclusion.name();
+        this.investigationNotes = investigationNotes;
+        this.sourceOfFundsNotes = sourceOfFundsNotes;
+        this.concludedOn = concludedOn;
+        this.status = conclusion == AmlStrConclusion.SUSPICIOUS ? AmlStrCaseStatus.CONCLUDED_SUSPICIOUS.name()
+                : AmlStrCaseStatus.CONCLUDED_CLEAR.name();
+        this.fiuDueDate = conclusion == AmlStrConclusion.SUSPICIOUS ? fiuDueDate : null;
+    }
+
+    public void fileStr(String referenceNo, LocalDate filedOn) {
+        this.strReferenceNo = referenceNo;
+        this.strFiledOn = filedOn;
+        this.status = AmlStrCaseStatus.FILED.name();
+    }
+
+    public Long getClientId() {
+        return client.getId();
+    }
+
+    public AmlAlert getAlert() {
+        return alert;
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public AppUser getAssignedPo() {
+        return assignedPo;
+    }
+
+    public String getInvestigationNotes() {
+        return investigationNotes;
+    }
+
+    public String getSourceOfFundsNotes() {
+        return sourceOfFundsNotes;
+    }
+
+    public AmlStrConclusion getConclusion() {
+        return conclusion == null ? null : AmlStrConclusion.valueOf(conclusion);
+    }
+
+    public AppUser getConcludedBy() {
+        return concludedBy;
+    }
+
+    public LocalDate getConcludedOn() {
+        return concludedOn;
+    }
+
+    public LocalDate getFiuDueDate() {
+        return fiuDueDate;
+    }
+
+    public LocalDate getStrFiledOn() {
+        return strFiledOn;
+    }
+
+    public String getStrReferenceNo() {
+        return strReferenceNo;
+    }
+
+    public AmlStrCaseStatus getStatus() {
+        return AmlStrCaseStatus.valueOf(status);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlStrCaseRepository.java

@@ -0,0 +1,38 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.time.LocalDate;
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface AmlStrCaseRepository extends JpaRepository<AmlStrCase, Long> {
+
+    long countByClient_Id(Long clientId);
+
+    List<AmlStrCase> findByStatus(String status);
+
+    @Query("SELECT c FROM AmlStrCase c WHERE c.status = 'CONCLUDED_SUSPICIOUS' AND c.concludedOn BETWEEN :from AND :to")
+    List<AmlStrCase> findConcludedSuspiciousBetween(@Param("from") LocalDate from, @Param("to") LocalDate to);
+
+    @Query("SELECT c FROM AmlStrCase c WHERE c.status = 'CONCLUDED_SUSPICIOUS' AND c.fiuDueDate < :asOf")
+    List<AmlStrCase> findOverdueForFiling(@Param("asOf") LocalDate asOf);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlStrCaseStatus.java

@@ -0,0 +1,24 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+public enum AmlStrCaseStatus {
+
+    OPEN, CONCLUDED_CLEAR, CONCLUDED_SUSPICIOUS, FILED
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlStrConclusion.java

@@ -0,0 +1,25 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+/** The Principal Officer's final conclusion on an {@link AmlStrCase}. */
+public enum AmlStrConclusion {
+
+    NOT_SUSPICIOUS, SUSPICIOUS
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlTransactionRule.java

@@ -0,0 +1,163 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+
+/**
+ * A machine-evaluable transaction-monitoring rule. Distinct from {@code ClientRiskRule}
+ * (client-profile, KYC-time scoring) - these are checked against live savings/loan/transfer
+ * transactions as they post. {@link #sourceClientRiskRuleId} optionally traces a rule back to its
+ * originating entry in the 221-rule AML catalog seeded in {@code m_client_risk_rule}.
+ */
+@Entity
+@Table(name = "m_aml_transaction_rule")
+public class AmlTransactionRule {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "rule_code", nullable = false, length = 50)
+    private String ruleCode;
+
+    @Column(name = "description", nullable = false, length = 500)
+    private String description;
+
+    @Column(name = "applies_to", nullable = false, length = 20)
+    private String appliesTo;
+
+    @Column(name = "threshold_amount", precision = 19, scale = 6)
+    private BigDecimal thresholdAmount;
+
+    /** Risk-category-tiered overrides of {@link #thresholdAmount}. Null on both means the rule is
+     *  not tiered; {@link #thresholdAmount} is used for every client regardless of risk category. */
+    @Column(name = "threshold_amount_medium_risk", precision = 19, scale = 6)
+    private BigDecimal thresholdAmountMediumRisk;
+
+    @Column(name = "threshold_amount_high_risk", precision = 19, scale = 6)
+    private BigDecimal thresholdAmountHighRisk;
+
+    /**
+     * Declarative band the rule covers, shown on the AML Rules Master screen. Purely
+     * descriptive: unlike the tiered columns above these never take part in matching, so
+     * changing them cannot alter which transactions raise an alert. A null maximum means
+     * the rule is genuinely open-ended.
+     */
+    @Column(name = "min_limit_amount", precision = 19, scale = 6)
+    private BigDecimal minLimitAmount;
+
+    @Column(name = "max_limit_amount", precision = 19, scale = 6)
+    private BigDecimal maxLimitAmount;
+
+    @Column(name = "rule_type", nullable = false, length = 20)
+    private String ruleType;
+
+    @Column(name = "window_days")
+    private Integer windowDays;
+
+    @Column(name = "source_client_risk_rule_id")
+    private Long sourceClientRiskRuleId;
+
+    @Column(name = "is_active", nullable = false)
+    private boolean active;
+
+    protected AmlTransactionRule() {}
+
+    /**
+     * Builds the live-transaction counterpart of a {@code ClientRiskRule} authored from the AML
+     * Rules Master screen. {@code sourceClientRiskRuleId} is the link the read side joins on, so
+     * the two rows are always created together and the rule code is derived from it.
+     */
+    public static AmlTransactionRule createForRiskRule(final Long sourceClientRiskRuleId, final String description,
+            final AmlAppliesTo appliesTo, final AmlRuleType ruleType, final Integer windowDays,
+            final BigDecimal thresholdAmount, final BigDecimal minLimitAmount, final BigDecimal maxLimitAmount) {
+        final AmlTransactionRule rule = new AmlTransactionRule();
+        rule.sourceClientRiskRuleId = sourceClientRiskRuleId;
+        // rule_code is UNIQUE; the source rule id is unique per row, so this cannot collide.
+        rule.ruleCode = "CRR-" + sourceClientRiskRuleId;
+        rule.description = description;
+        rule.appliesTo = appliesTo.name();
+        rule.ruleType = ruleType.name();
+        rule.windowDays = windowDays;
+        rule.thresholdAmount = thresholdAmount;
+        rule.minLimitAmount = minLimitAmount;
+        rule.maxLimitAmount = maxLimitAmount;
+        rule.active = true;
+        return rule;
+    }
+
+    public Long getId() {
+        return id;
+    }
+
+    public String getRuleCode() {
+        return ruleCode;
+    }
+
+    public String getDescription() {
+        return description;
+    }
+
+    public AmlAppliesTo getAppliesTo() {
+        return AmlAppliesTo.valueOf(appliesTo);
+    }
+
+    public BigDecimal getThresholdAmount() {
+        return thresholdAmount;
+    }
+
+    public BigDecimal getThresholdAmountMediumRisk() {
+        return thresholdAmountMediumRisk;
+    }
+
+    public BigDecimal getThresholdAmountHighRisk() {
+        return thresholdAmountHighRisk;
+    }
+
+    public BigDecimal getMinLimitAmount() {
+        return minLimitAmount;
+    }
+
+    public BigDecimal getMaxLimitAmount() {
+        return maxLimitAmount;
+    }
+
+    public AmlRuleType getRuleType() {
+        return AmlRuleType.valueOf(ruleType);
+    }
+
+    public Integer getWindowDays() {
+        return windowDays;
+    }
+
+    public Long getSourceClientRiskRuleId() {
+        return sourceClientRiskRuleId;
+    }
+
+    public boolean isActive() {
+        return active;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlTransactionRuleRepository.java

@@ -0,0 +1,35 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlTransactionRuleRepository extends JpaRepository<AmlTransactionRule, Long> {
+
+    List<AmlTransactionRule> findByActiveTrueAndAppliesTo(String appliesTo);
+
+    /**
+     * Looks a rule up by its code irrespective of {@code is_active}. Needed for MANUAL_REFERRAL, which is deliberately
+     * seeded inactive so the evaluation engine never fires it, yet must still be attachable to an alert a user raises
+     * by hand from the ledger.
+     */
+    Optional<AmlTransactionRule> findByRuleCode(String ruleCode);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlTransactionType.java

@@ -0,0 +1,25 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+/** The kind of ledger transaction an {@link AmlAlert} was raised against. */
+public enum AmlTransactionType {
+
+    SAVINGS, LOAN, TRANSFER
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/ClientRiskCategoryHistory.java

@@ -0,0 +1,138 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * Immutable, append-only audit trail of a client's KYC risk-category changes. Backs the AML menu's
+ * existing "Risk Update History Report" item, which previously had no data behind it. Written both
+ * for manual re-categorization and for the automatic escalation triggered on a client's 3rd
+ * cumulative {@link AmlStrCase}.
+ */
+@Entity
+@Table(name = "m_client_risk_category_history")
+public class ClientRiskCategoryHistory {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @Column(name = "previous_category", nullable = false)
+    private Integer previousCategory;
+
+    @Column(name = "new_category", nullable = false)
+    private Integer newCategory;
+
+    @Column(name = "reason", nullable = false, length = 500)
+    private String reason;
+
+    @Column(name = "triggered_by", nullable = false, length = 30)
+    private String triggeredBy;
+
+    @ManyToOne
+    @JoinColumn(name = "str_case_id")
+    private AmlStrCase strCase;
+
+    @Column(name = "changed_on", nullable = false)
+    private LocalDateTime changedOn;
+
+    @ManyToOne
+    @JoinColumn(name = "changed_by", nullable = false)
+    private AppUser changedBy;
+
+    protected ClientRiskCategoryHistory() {}
+
+    public static ClientRiskCategoryHistory autoEscalation(Client client, Integer previousCategory, Integer newCategory,
+            AmlStrCase triggeringCase, AppUser systemActor, LocalDateTime changedOn) {
+        final ClientRiskCategoryHistory history = new ClientRiskCategoryHistory();
+        history.client = client;
+        history.previousCategory = previousCategory;
+        history.newCategory = newCategory;
+        history.reason = "Auto-escalated after client's 3rd cumulative AML STR case (case #" + triggeringCase.getId() + ")";
+        history.triggeredBy = RiskCategoryChangeTrigger.AML_AUTO_ESCALATION.name();
+        history.strCase = triggeringCase;
+        history.changedOn = changedOn;
+        history.changedBy = systemActor;
+        return history;
+    }
+
+    public static ClientRiskCategoryHistory manual(Client client, Integer previousCategory, Integer newCategory, String reason,
+            AppUser changedBy, LocalDateTime changedOn) {
+        final ClientRiskCategoryHistory history = new ClientRiskCategoryHistory();
+        history.client = client;
+        history.previousCategory = previousCategory;
+        history.newCategory = newCategory;
+        history.reason = reason;
+        history.triggeredBy = RiskCategoryChangeTrigger.MANUAL.name();
+        history.changedBy = changedBy;
+        history.changedOn = changedOn;
+        return history;
+    }
+
+    public Long getId() {
+        return id;
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public Integer getPreviousCategory() {
+        return previousCategory;
+    }
+
+    public Integer getNewCategory() {
+        return newCategory;
+    }
+
+    public String getReason() {
+        return reason;
+    }
+
+    public RiskCategoryChangeTrigger getTriggeredBy() {
+        return RiskCategoryChangeTrigger.valueOf(triggeredBy);
+    }
+
+    public AmlStrCase getStrCase() {
+        return strCase;
+    }
+
+    public LocalDateTime getChangedOn() {
+        return changedOn;
+    }
+
+    public AppUser getChangedBy() {
+        return changedBy;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/ClientRiskCategoryHistoryRepository.java

@@ -0,0 +1,27 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface ClientRiskCategoryHistoryRepository extends JpaRepository<ClientRiskCategoryHistory, Long> {
+
+    List<ClientRiskCategoryHistory> findByClient_IdOrderByChangedOnDesc(Long clientId);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/RiskCategoryChangeTrigger.java

@@ -0,0 +1,24 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+public enum RiskCategoryChangeTrigger {
+
+    AML_AUTO_ESCALATION, MANUAL
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/client/api/ClientApiConstants.java

@@ -191,6 +191,7 @@ public class ClientApiConstants {
     public static final String constitutionIdParamName = "constitutionId";
     public static final String mainBusinessLineIdParamName = "mainBusinessLineId";
     public static final String authorizedSignatoryParamName = "authorizedSignatory";
+    public static final String authorizedSignatoryClientIdsParamName = "authorizedSignatoryClientIds";
     public static final String additionalInfoParamName = "additionalInfo";
     public static final String dateOfRegistrationParamName = "dateOfRegistration";
 

fineract-core/src/main/java/org/apache/fineract/portfolio/client/data/ClientData.java

@@ -105,6 +105,19 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
     private Boolean alternateDipVerified;
     private Long alternateDipLookupLogId;
     private String alternateDipTimestamp;
+    /**
+     * Live DIP/MNRL status of the number, resolved from the latest lookup rather than the flag
+     * captured at onboarding. A customer cleared at onboarding whose number is later reported or
+     * reassigned would otherwise keep showing "Verified" forever.
+     */
+    private String dipLiveStatus;
+    private String alternateDipLiveStatus;
+    /**
+     * Disposition of the client's most recent flagged sanctions alert, or null when they carry
+     * none. Like the DIP status this is resolved live: nameVerified is captured at onboarding and
+     * would keep reading "Clear" after the client was added to a later list snapshot.
+     */
+    private String sanctionsAlertStatus;
     private Boolean nameVerified;
     private Long screeningLogId;
     private Boolean isStaff;
@@ -436,6 +449,11 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.alternateDipVerified = clientData.alternateDipVerified;
         data.alternateDipLookupLogId = clientData.alternateDipLookupLogId;
         data.alternateDipTimestamp = clientData.alternateDipTimestamp;
+        // Carried across too: these helpers rebuild ClientData field by field, so a field missing
+        // here is silently dropped from the payload the client view loads.
+        data.dipLiveStatus = clientData.dipLiveStatus;
+        data.alternateDipLiveStatus = clientData.alternateDipLiveStatus;
+        data.sanctionsAlertStatus = clientData.sanctionsAlertStatus;
         data.nameVerified = clientData.nameVerified;
         data.screeningLogId = clientData.screeningLogId;
         return data;
@@ -498,6 +516,11 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.alternateDipVerified = clientData.alternateDipVerified;
         data.alternateDipLookupLogId = clientData.alternateDipLookupLogId;
         data.alternateDipTimestamp = clientData.alternateDipTimestamp;
+        // Carried across too: these helpers rebuild ClientData field by field, so a field missing
+        // here is silently dropped from the payload the client view loads.
+        data.dipLiveStatus = clientData.dipLiveStatus;
+        data.alternateDipLiveStatus = clientData.alternateDipLiveStatus;
+        data.sanctionsAlertStatus = clientData.sanctionsAlertStatus;
         data.nameVerified = clientData.nameVerified;
         data.screeningLogId = clientData.screeningLogId;
         return data;
@@ -550,6 +573,11 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.alternateDipVerified = clientData.alternateDipVerified;
         data.alternateDipLookupLogId = clientData.alternateDipLookupLogId;
         data.alternateDipTimestamp = clientData.alternateDipTimestamp;
+        // Carried across too: these helpers rebuild ClientData field by field, so a field missing
+        // here is silently dropped from the payload the client view loads.
+        data.dipLiveStatus = clientData.dipLiveStatus;
+        data.alternateDipLiveStatus = clientData.alternateDipLiveStatus;
+        data.sanctionsAlertStatus = clientData.sanctionsAlertStatus;
         data.nameVerified = clientData.nameVerified;
         data.screeningLogId = clientData.screeningLogId;
         return data;

fineract-core/src/main/java/org/apache/fineract/portfolio/client/data/ClientFamilyMemberChildData.java

@@ -0,0 +1,35 @@
+/**
+ * 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.
+ */
+
+package org.apache.fineract.portfolio.client.data;
+
+import java.io.Serializable;
+import java.time.LocalDate;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public final class ClientFamilyMemberChildData implements Serializable {
+    private final Long id;
+    private final String fullName;
+    private final Long genderId;
+    private final String gender;
+    private final LocalDate dateOfBirth;
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/client/data/ClientFamilyMembersData.java

@@ -84,6 +84,9 @@ public final class ClientFamilyMembersData implements Serializable {
     private final LocalDate marriageDate;
     private final String marriageAuthority;
 
+    @lombok.Setter
+    private java.util.List<ClientFamilyMemberChildData> children;
+
     // template holder
     private final Collection<CodeValueData> relationshipIdOptions;
     private final Collection<CodeValueData> genderIdOptions;

fineract-core/src/main/java/org/apache/fineract/portfolio/client/data/ClientNonPersonData.java

@@ -34,6 +34,8 @@ public class ClientNonPersonData implements Serializable {
     private final CodeValueData mainBusinessLine;
     private final String remarks;
     private final String authorizedSignatory;
+    /** Client ids behind {@link #authorizedSignatory}, comma separated and in the same order. */
+    private final String authorizedSignatoryClientIds;
     private final String additionalInfo;
     private final LocalDate dateOfRegistration;
 
@@ -62,13 +64,24 @@ public class ClientNonPersonData implements Serializable {
         this.constitution = null;
         this.mainBusinessLine = null;
         this.authorizedSignatory = null;
+        this.authorizedSignatoryClientIds = null;
         this.additionalInfo = null;
         this.dateOfRegistration = null;
     }
 
+    /**
+     * Kept for the list/search mappers, whose SQL does not select the signatory client ids.
+     */
     public ClientNonPersonData(CodeValueData constitution, String incorpNo, LocalDate incorpValidityTillDate,
             CodeValueData mainBusinessLine, String remarks, String authorizedSignatory, String additionalInfo,
             LocalDate dateOfRegistration) {
+        this(constitution, incorpNo, incorpValidityTillDate, mainBusinessLine, remarks, authorizedSignatory, additionalInfo,
+                dateOfRegistration, null);
+    }
+
+    public ClientNonPersonData(CodeValueData constitution, String incorpNo, LocalDate incorpValidityTillDate,
+            CodeValueData mainBusinessLine, String remarks, String authorizedSignatory, String additionalInfo,
+            LocalDate dateOfRegistration, String authorizedSignatoryClientIds) {
 
         this.constitution = constitution;
         this.incorpNumber = incorpNo;
@@ -76,6 +89,7 @@ public class ClientNonPersonData implements Serializable {
         this.mainBusinessLine = mainBusinessLine;
         this.remarks = remarks;
         this.authorizedSignatory = authorizedSignatory;
+        this.authorizedSignatoryClientIds = authorizedSignatoryClientIds;
         this.additionalInfo = additionalInfo;
         this.dateOfRegistration = dateOfRegistration;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/Client.java

@@ -27,6 +27,7 @@ import jakarta.persistence.JoinTable;
 import jakarta.persistence.ManyToMany;
 import jakarta.persistence.ManyToOne;
 import jakarta.persistence.OneToMany;
+import jakarta.persistence.OneToOne;
 import jakarta.persistence.Table;
 import jakarta.persistence.UniqueConstraint;
 import java.time.LocalDate;
@@ -249,6 +250,9 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "is_pwd")
     private Boolean isPwd;
 
+    @OneToOne(mappedBy = "client", fetch = FetchType.LAZY)
+    private ClientKyc clientKyc;
+
     @ManyToOne(fetch = FetchType.LAZY)
     @JoinColumn(name = "pwd_category_cv_id")
     private CodeValue pwdCategory;
@@ -290,6 +294,17 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "alternate_dip_timestamp")
     private String alternateDipTimestamp;
 
+    /**
+     * The DIP/MNRL status the number actually returned — CLEAN, SUSPECTED, DISCONNECTED or
+     * SERVICE_UNAVAILABLE. dipVerified alone cannot tell "checked and clean" apart from "the DoT
+     * service was down", which previously stored both as verified.
+     */
+    @Column(name = "dip_status", length = 40)
+    private String dipStatus;
+
+    @Column(name = "alternate_dip_status", length = 40)
+    private String alternateDipStatus;
+
     @Column(name = "name_verified")
     private Boolean nameVerified;
 
@@ -617,6 +632,10 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return this.office.getId();
     }
 
+    public String getDisplayName() {
+        return this.displayName;
+    }
+
     public String mobileNo() {
         return this.mobileNo;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKyc.java

@@ -25,10 +25,15 @@ import jakarta.persistence.Entity;
 import jakarta.persistence.JoinColumn;
 import jakarta.persistence.ManyToOne;
 import jakarta.persistence.Table;
+import jakarta.persistence.Transient;
 import jakarta.persistence.UniqueConstraint;
 import java.time.LocalDate;
+import java.math.BigDecimal;
+import java.util.Collections;
 import java.util.LinkedHashMap;
+import java.util.LinkedHashSet;
 import java.util.Map;
+import java.util.Set;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
@@ -60,6 +65,14 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @JoinColumn(name = "client_id", nullable = false)
     private Client client;
 
+    /**
+     * Scratch record of what the in-flight {@link #update} replaced, read back via
+     * {@link #getFieldsOverwrittenByLastUpdate()}. Never persisted and never read outside the
+     * transaction that called update(), which clears it first.
+     */
+    @Transient
+    private final transient Set<String> fieldsOverwrittenByLastUpdate = new LinkedHashSet<>();
+
     /** 100 = PENDING, 200 = IN_PROGRESS, 300 = VERIFIED, 400 = REJECTED, 500 = EXPIRED */
     @Column(name = "kyc_status", nullable = false)
     private Integer kycStatus;
@@ -103,6 +116,36 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "pan_status", length = 20)
     private String panStatus;
 
+    // ── PAN declaration ──────────────────────────────────────────────────────
+    // Accepted in place of a passing PAN check. The Income Tax check matches on name AND date of
+    // birth, so a customer whose PAN card carries a different spelling — or a different DOB — can
+    // never clear it however many times the officer retries. Rather than leave such a client
+    // permanently in KYC exception, the branch takes a signed declaration recording what differs.
+    // Holding that declaration is what suppresses the exception, so it is stored, not just shown.
+
+    /** True once a signed declaration has been accepted for a PAN that could not be verified. */
+    @Column(name = "pan_declaration_taken")
+    private Boolean panDeclarationTaken;
+
+    /** What the declaration covers: "NAME", "DOB", "NAME,DOB", or "NONE" when PAN simply failed. */
+    @Column(name = "pan_declaration_mismatch_fields", length = 100)
+    private String panDeclarationMismatchFields;
+
+    /** Name exactly as printed on the physical PAN card, keyed in by the officer. */
+    @Column(name = "pan_declaration_name_on_pan", length = 200)
+    private String panDeclarationNameOnPan;
+
+    /** Date of birth exactly as printed on the physical PAN card. */
+    @Column(name = "pan_declaration_dob_on_pan")
+    private LocalDate panDeclarationDobOnPan;
+
+    /** Officer's free-text note — why the mismatch exists and what proof was sighted. */
+    @Column(name = "pan_declaration_remarks", length = 500)
+    private String panDeclarationRemarks;
+
+    @Column(name = "pan_declaration_taken_on")
+    private LocalDate panDeclarationTakenOn;
+
     // ── Aadhaar ──────────────────────────────────────────────────────────────
     /** Stored masked (last 4 digits visible). Full number must never be persisted as per UIDAI directive. */
     @Column(name = "aadhaar_number_masked", length = 12)
@@ -114,6 +157,31 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "aadhaar_verified_on")
     private LocalDate aadhaarVerifiedOn;
 
+    // ── Aadhaar enrolment receipt ────────────────────────────────────────────
+    // The counterpart of the PAN declaration, for a customer who has applied for Aadhaar but does
+    // not hold one yet. UIDAI issues an enrolment slip carrying a 28-digit EID, and until Aadhaar
+    // itself is issued there is no number to put through the OTP flow — the check cannot pass
+    // however long the branch waits. Recording the receipt is what waives the exception.
+
+    /** True once the customer's Aadhaar enrolment slip has been sighted and recorded. */
+    @Column(name = "aadhaar_receipt_taken")
+    private Boolean aadhaarReceiptTaken;
+
+    /** 28-digit Enrolment ID from the slip, stored with its printed separators. */
+    @Column(name = "aadhaar_enrolment_id", length = 40)
+    private String aadhaarEnrolmentId;
+
+    /** Enrolment date printed on the slip — a receipt is temporary, so its age matters. */
+    @Column(name = "aadhaar_enrolment_date")
+    private LocalDate aadhaarEnrolmentDate;
+
+    /** Officer's note on what was sighted. */
+    @Column(name = "aadhaar_receipt_remarks", length = 500)
+    private String aadhaarReceiptRemarks;
+
+    @Column(name = "aadhaar_receipt_taken_on")
+    private LocalDate aadhaarReceiptTakenOn;
+
     // ── GSTIN (mandatory for NON_INDIVIDUAL clients) ─────────────────────────
     @Column(name = "gstin_number", length = 15)
     private String gstinNumber;
@@ -195,6 +263,18 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "freeze_authority", length = 100)
     private String freezeAuthority;
 
+    @Column(name = "freeze_date")
+    private LocalDate freezeDate;
+
+    @Column(name = "freeze_amount", precision = 19, scale = 6)
+    private BigDecimal freezeAmount;
+
+    @Column(name = "unfreeze_date")
+    private LocalDate unfreezeDate;
+
+    @Column(name = "no_debit_date")
+    private LocalDate noDebitDate;
+
     // ── Form 60 / Form 15G/15H ───────────────────────────────────────────────
     @Column(name = "form60_type", length = 20)
     private String form60Type;
@@ -241,6 +321,18 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "remarks", length = 500)
     private String remarks;
 
+    @Column(name = "is_exception", nullable = false)
+    private Boolean isException;
+
+    @Column(name = "exception_reason", length = 200)
+    private String exceptionReason;
+
+    @Column(name = "exception_resolved", nullable = false)
+    private Boolean exceptionResolved;
+
+    @Column(name = "exception_resolved_on")
+    private LocalDate exceptionResolvedOn;
+
     // ─────────────────────────────────────────────────────────────────────────
 
     protected ClientKyc() {}
@@ -261,6 +353,8 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         this.gstinVerified = false;
         this.cinVerified = false;
         this.dinVerified = false;
+        this.isException = false;
+        this.exceptionResolved = false;
         this.initiatedOn = DateUtils.getLocalDateOfTenant();
     }
 
@@ -288,6 +382,24 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     private void applyExtendedFields(final JsonCommand command) {
         this.panAadhaarSeedingStatus = StringUtils.defaultIfEmpty(
                 command.stringValueOfParameterNamed("panAadhaarSeedingStatus"), this.panAadhaarSeedingStatus);
+        final Boolean panDeclarationTakenVal = command.booleanObjectValueOfParameterNamed("panDeclarationTaken");
+        this.panDeclarationTaken = panDeclarationTakenVal != null ? panDeclarationTakenVal : false;
+        this.panDeclarationMismatchFields = StringUtils.defaultIfEmpty(
+                command.stringValueOfParameterNamed("panDeclarationMismatchFields"), null);
+        this.panDeclarationNameOnPan = StringUtils.defaultIfEmpty(
+                command.stringValueOfParameterNamed("panDeclarationNameOnPan"), null);
+        this.panDeclarationDobOnPan = command.localDateValueOfParameterNamed("panDeclarationDobOnPan");
+        this.panDeclarationRemarks = StringUtils.defaultIfEmpty(
+                command.stringValueOfParameterNamed("panDeclarationRemarks"), null);
+        this.panDeclarationTakenOn = command.localDateValueOfParameterNamed("panDeclarationTakenOn");
+        final Boolean aadhaarReceiptTakenVal = command.booleanObjectValueOfParameterNamed("aadhaarReceiptTaken");
+        this.aadhaarReceiptTaken = aadhaarReceiptTakenVal != null ? aadhaarReceiptTakenVal : false;
+        this.aadhaarEnrolmentId = StringUtils.defaultIfEmpty(
+                command.stringValueOfParameterNamed("aadhaarEnrolmentId"), null);
+        this.aadhaarEnrolmentDate = command.localDateValueOfParameterNamed("aadhaarEnrolmentDate");
+        this.aadhaarReceiptRemarks = StringUtils.defaultIfEmpty(
+                command.stringValueOfParameterNamed("aadhaarReceiptRemarks"), null);
+        this.aadhaarReceiptTakenOn = command.localDateValueOfParameterNamed("aadhaarReceiptTakenOn");
         this.enterprisePan = StringUtils.defaultIfEmpty(
                 command.stringValueOfParameterNamed("enterprisePan"), null);
         this.cinNumber = StringUtils.defaultIfEmpty(
@@ -317,6 +429,10 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
                 command.stringValueOfParameterNamed("freezeReason"), null);
         this.freezeAuthority = StringUtils.defaultIfEmpty(
                 command.stringValueOfParameterNamed("freezeAuthority"), null);
+        this.freezeDate = command.localDateValueOfParameterNamed("freezeDate");
+        this.freezeAmount = command.bigDecimalValueOfParameterNamed("freezeAmount");
+        this.unfreezeDate = command.localDateValueOfParameterNamed("unfreezeDate");
+        this.noDebitDate = command.localDateValueOfParameterNamed("noDebitDate");
         this.form60Type = StringUtils.defaultIfEmpty(
                 command.stringValueOfParameterNamed("form60Type"), null);
         this.form60Date = command.localDateValueOfParameterNamed("form60Date");
@@ -325,15 +441,24 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
                 command.stringValueOfParameterNamed("form15Type"), null);
         this.form15Fy = StringUtils.defaultIfEmpty(
                 command.stringValueOfParameterNamed("form15FY"), null);
+        Boolean isExceptionVal = command.booleanObjectValueOfParameterNamed("isException");
+        this.isException = isExceptionVal != null ? isExceptionVal : false;
+        this.exceptionReason = StringUtils.defaultIfEmpty(
+                command.stringValueOfParameterNamed("exceptionReason"), null);
+        Boolean exceptionResolvedVal = command.booleanObjectValueOfParameterNamed("exceptionResolved");
+        this.exceptionResolved = exceptionResolvedVal != null ? exceptionResolvedVal : false;
+        this.exceptionResolvedOn = command.localDateValueOfParameterNamed("exceptionResolvedOn");
     }
 
     public Map<String, Object> update(final JsonCommand command) {
         final Map<String, Object> actualChanges = new LinkedHashMap<>();
+        this.fieldsOverwrittenByLastUpdate.clear();
 
         final String panNumberParam = "panNumber";
         if (command.isChangeInStringParameterNamed(panNumberParam, this.panNumber)) {
             final String newValue = command.stringValueOfParameterNamed(panNumberParam);
             actualChanges.put(panNumberParam, newValue);
+            recordOverwrite(panNumberParam, this.panNumber);
             this.panNumber = StringUtils.defaultIfEmpty(newValue, null);
         }
 
@@ -341,6 +466,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInStringParameterNamed(aadhaarParam, this.aadhaarNumberMasked)) {
             final String newValue = command.stringValueOfParameterNamed(aadhaarParam);
             actualChanges.put(aadhaarParam, newValue);
+            recordOverwrite(aadhaarParam, this.aadhaarNumberMasked);
             this.aadhaarNumberMasked = StringUtils.defaultIfEmpty(newValue, null);
         }
 
@@ -348,6 +474,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInStringParameterNamed(gstinParam, this.gstinNumber)) {
             final String newValue = command.stringValueOfParameterNamed(gstinParam);
             actualChanges.put(gstinParam, newValue);
+            recordOverwrite(gstinParam, this.gstinNumber);
             this.gstinNumber = StringUtils.defaultIfEmpty(newValue, null);
         }
 
@@ -355,9 +482,12 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInIntegerParameterNamed(riskParam, this.riskCategory)) {
             final Integer newValue = command.integerValueOfParameterNamed(riskParam);
             actualChanges.put(riskParam, newValue);
+            recordOverwrite(riskParam, this.riskCategory);
             this.riskCategory = newValue;
         }
 
+        // remarks is the audit justification itself, so a change to it is deliberately not recorded
+        // as an overwrite — requiring remarks in order to write remarks would be circular.
         final String remarksParam = "remarks";
         if (command.isChangeInStringParameterNamed(remarksParam, this.remarks)) {
             final String newValue = command.stringValueOfParameterNamed(remarksParam);
@@ -367,6 +497,28 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
 
         updateStringField(command, "panAadhaarSeedingStatus", this.panAadhaarSeedingStatus, actualChanges,
                 v -> this.panAadhaarSeedingStatus = v);
+        updateBooleanField(command, "panDeclarationTaken", this.panDeclarationTaken, actualChanges,
+                v -> this.panDeclarationTaken = v != null ? v : false);
+        updateStringField(command, "panDeclarationMismatchFields", this.panDeclarationMismatchFields, actualChanges,
+                v -> this.panDeclarationMismatchFields = v);
+        updateStringField(command, "panDeclarationNameOnPan", this.panDeclarationNameOnPan, actualChanges,
+                v -> this.panDeclarationNameOnPan = v);
+        updateDateField(command, "panDeclarationDobOnPan", this.panDeclarationDobOnPan, actualChanges,
+                v -> this.panDeclarationDobOnPan = v);
+        updateStringField(command, "panDeclarationRemarks", this.panDeclarationRemarks, actualChanges,
+                v -> this.panDeclarationRemarks = v);
+        updateDateField(command, "panDeclarationTakenOn", this.panDeclarationTakenOn, actualChanges,
+                v -> this.panDeclarationTakenOn = v);
+        updateBooleanField(command, "aadhaarReceiptTaken", this.aadhaarReceiptTaken, actualChanges,
+                v -> this.aadhaarReceiptTaken = v != null ? v : false);
+        updateStringField(command, "aadhaarEnrolmentId", this.aadhaarEnrolmentId, actualChanges,
+                v -> this.aadhaarEnrolmentId = v);
+        updateDateField(command, "aadhaarEnrolmentDate", this.aadhaarEnrolmentDate, actualChanges,
+                v -> this.aadhaarEnrolmentDate = v);
+        updateStringField(command, "aadhaarReceiptRemarks", this.aadhaarReceiptRemarks, actualChanges,
+                v -> this.aadhaarReceiptRemarks = v);
+        updateDateField(command, "aadhaarReceiptTakenOn", this.aadhaarReceiptTakenOn, actualChanges,
+                v -> this.aadhaarReceiptTakenOn = v);
         updateStringField(command, "enterprisePan", this.enterprisePan, actualChanges, v -> this.enterprisePan = v);
         updateStringField(command, "cinNumber", this.cinNumber, actualChanges, v -> this.cinNumber = v);
         updateStringField(command, "dinNumber", this.dinNumber, actualChanges, v -> this.dinNumber = v);
@@ -392,12 +544,23 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         updateStringField(command, "freezeReason", this.freezeReason, actualChanges, v -> this.freezeReason = v);
         updateStringField(command, "freezeAuthority", this.freezeAuthority, actualChanges,
                 v -> this.freezeAuthority = v);
+        updateDateField(command, "freezeDate", this.freezeDate, actualChanges, v -> this.freezeDate = v);
+        updateBigDecimalField(command, "freezeAmount", this.freezeAmount, actualChanges, v -> this.freezeAmount = v);
+        updateDateField(command, "unfreezeDate", this.unfreezeDate, actualChanges, v -> this.unfreezeDate = v);
+        updateDateField(command, "noDebitDate", this.noDebitDate, actualChanges, v -> this.noDebitDate = v);
         updateStringField(command, "form60Type", this.form60Type, actualChanges, v -> this.form60Type = v);
         updateDateField(command, "form60Date", this.form60Date, actualChanges, v -> this.form60Date = v);
         updateBooleanField(command, "form15Applicable", this.form15Applicable, actualChanges,
                 v -> this.form15Applicable = v);
         updateStringField(command, "form15Type", this.form15Type, actualChanges, v -> this.form15Type = v);
         updateStringField(command, "form15FY", this.form15Fy, actualChanges, v -> this.form15Fy = v);
+        updateBooleanField(command, "isException", this.isException, actualChanges, v -> this.isException = v != null ? v : false);
+        updateStringField(command, "exceptionReason", this.exceptionReason, actualChanges, v -> this.exceptionReason = v);
+        updateBooleanField(command, "exceptionResolved", this.exceptionResolved, actualChanges, v -> this.exceptionResolved = v != null ? v : false);
+        updateDateField(command, "exceptionResolvedOn", this.exceptionResolvedOn, actualChanges, v -> this.exceptionResolvedOn = v);
+        updateBooleanField(command, "panVerified", this.panVerified, actualChanges, v -> this.panVerified = v != null ? v : false);
+        updateBooleanField(command, "aadhaarVerified", this.aadhaarVerified, actualChanges, v -> this.aadhaarVerified = v != null ? v : false);
+        updateBooleanField(command, "gstinVerified", this.gstinVerified, actualChanges, v -> this.gstinVerified = v != null ? v : false);
 
         return actualChanges;
     }
@@ -407,6 +570,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInStringParameterNamed(param, current)) {
             final String newValue = command.stringValueOfParameterNamed(param);
             changes.put(param, newValue);
+            recordOverwrite(param, current);
             setter.accept(StringUtils.defaultIfEmpty(newValue, null));
         }
     }
@@ -416,6 +580,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInLocalDateParameterNamed(param, current)) {
             final LocalDate newValue = command.localDateValueOfParameterNamed(param);
             changes.put(param, newValue);
+            recordOverwrite(param, current);
             setter.accept(newValue);
         }
     }
@@ -426,11 +591,51 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
             final Boolean newValue = command.booleanObjectValueOfParameterNamed(param);
             if ((newValue == null && current != null) || (newValue != null && !newValue.equals(current))) {
                 changes.put(param, newValue);
+                recordOverwrite(param, current);
                 setter.accept(newValue);
             }
         }
     }
 
+    private void updateBigDecimalField(final JsonCommand command, final String param, final BigDecimal current,
+            final Map<String, Object> changes, final java.util.function.Consumer<BigDecimal> setter) {
+        if (command.isChangeInBigDecimalParameterNamed(param, current)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamed(param);
+            changes.put(param, newValue);
+            recordOverwrite(param, current);
+            setter.accept(newValue);
+        }
+    }
+
+    /**
+     * Notes that {@code param} replaced a value the record already held. A field going from empty to
+     * populated is the record being completed rather than altered, so it is deliberately not
+     * recorded — see {@link #getFieldsOverwrittenByLastUpdate()}.
+     */
+    private void recordOverwrite(final String param, final Object currentValue) {
+        final boolean wasPopulated = currentValue instanceof String text
+                ? StringUtils.isNotBlank(text)
+                : currentValue != null;
+        if (wasPopulated) {
+            this.fieldsOverwrittenByLastUpdate.add(param);
+        }
+    }
+
+    /**
+     * Parameters whose already-populated value the most recent {@link #update} replaced.
+     *
+     * <p>Distinguishes altering a record from finishing one: a non-individual KYC auto-verifies as
+     * soon as PAN and GSTIN pass, which happens part-way through the create wizard, and the officer
+     * still has to save the KYC document details afterwards. Those fields are empty at that point,
+     * so filling them in leaves this set empty and no audit justification is demanded — while
+     * changing a document number that was already on the verified record does populate it.
+     *
+     * <p>Reset at the start of every {@link #update} and never persisted: it describes one call.
+     */
+    public Set<String> getFieldsOverwrittenByLastUpdate() {
+        return Collections.unmodifiableSet(this.fieldsOverwrittenByLastUpdate);
+    }
+
     /** Called when documents are submitted and 3rd-party verification is initiated. */
     public void markInProgress() {
         this.kycStatus = ClientKycStatus.IN_PROGRESS.getValue();
@@ -586,6 +791,15 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return riskCategory;
     }
 
+    /**
+     * Directly sets the risk category outside the normal command-diff update path. Used by the AML
+     * module to auto-escalate a client's risk category after their 3rd cumulative STR case -
+     * every such change is recorded in {@code m_client_risk_category_history} by the caller.
+     */
+    public void escalateRiskCategory(Integer newCategory) {
+        this.riskCategory = newCategory;
+    }
+
     public String getPanNumber() {
         return panNumber;
     }
@@ -622,6 +836,60 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return panStatus;
     }
 
+    public Boolean getPanDeclarationTaken() {
+        return panDeclarationTaken;
+    }
+
+    /** Null-safe form for callers deciding whether the PAN exception is waived. */
+    public boolean isPanDeclarationTaken() {
+        return Boolean.TRUE.equals(this.panDeclarationTaken);
+    }
+
+    public String getPanDeclarationMismatchFields() {
+        return panDeclarationMismatchFields;
+    }
+
+    public String getPanDeclarationNameOnPan() {
+        return panDeclarationNameOnPan;
+    }
+
+    public LocalDate getPanDeclarationDobOnPan() {
+        return panDeclarationDobOnPan;
+    }
+
+    public String getPanDeclarationRemarks() {
+        return panDeclarationRemarks;
+    }
+
+    public LocalDate getPanDeclarationTakenOn() {
+        return panDeclarationTakenOn;
+    }
+
+    public Boolean getAadhaarReceiptTaken() {
+        return aadhaarReceiptTaken;
+    }
+
+    /** Null-safe form for callers deciding whether the Aadhaar exception is waived. */
+    public boolean isAadhaarReceiptTaken() {
+        return Boolean.TRUE.equals(this.aadhaarReceiptTaken);
+    }
+
+    public String getAadhaarEnrolmentId() {
+        return aadhaarEnrolmentId;
+    }
+
+    public LocalDate getAadhaarEnrolmentDate() {
+        return aadhaarEnrolmentDate;
+    }
+
+    public String getAadhaarReceiptRemarks() {
+        return aadhaarReceiptRemarks;
+    }
+
+    public LocalDate getAadhaarReceiptTakenOn() {
+        return aadhaarReceiptTakenOn;
+    }
+
     public String getAadhaarNumberMasked() {
         return aadhaarNumberMasked;
     }
@@ -786,6 +1054,38 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return form15Fy;
     }
 
+    public Boolean getIsException() {
+        return isException;
+    }
+
+    public void setIsException(Boolean isException) {
+        this.isException = isException;
+    }
+
+    public String getExceptionReason() {
+        return exceptionReason;
+    }
+
+    public void setExceptionReason(String exceptionReason) {
+        this.exceptionReason = exceptionReason;
+    }
+
+    public Boolean getExceptionResolved() {
+        return exceptionResolved;
+    }
+
+    public void setExceptionResolved(Boolean exceptionResolved) {
+        this.exceptionResolved = exceptionResolved;
+    }
+
+    public LocalDate getExceptionResolvedOn() {
+        return exceptionResolvedOn;
+    }
+
+    public void setExceptionResolvedOn(LocalDate exceptionResolvedOn) {
+        this.exceptionResolvedOn = exceptionResolvedOn;
+    }
+
     @Column(name = "is_active", nullable = false)
     private Boolean isActive = Boolean.TRUE;
 
@@ -837,4 +1137,20 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     public Long getVersion() {
         return this.version;
     }
+
+    public LocalDate getFreezeDate() {
+        return this.freezeDate;
+    }
+
+    public BigDecimal getFreezeAmount() {
+        return this.freezeAmount;
+    }
+
+    public LocalDate getUnfreezeDate() {
+        return this.unfreezeDate;
+    }
+
+    public LocalDate getNoDebitDate() {
+        return this.noDebitDate;
+    }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKycContactLog.java

@@ -0,0 +1,204 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.client.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.EnumType;
+import jakarta.persistence.Enumerated;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+
+/**
+ * One customer-outreach attempt against an open KYC exception.
+ *
+ * <p>Append-only by design — there is no setter-driven update path and the API exposes no PUT or
+ * DELETE. A contact log that can be edited after the fact is worthless as evidence, and RBI's KYC
+ * Master Direction expects the bank to be able to show what it told the customer and when.
+ *
+ * <p>Destinations are stored masked ({@code destinationMasked}); the full mobile number / email
+ * lives on {@code m_client} and is resolved server-side at send time, never accepted from the
+ * browser.
+ */
+@Entity
+@Table(name = "m_client_kyc_contact_log")
+public class ClientKycContactLog {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    @Column(name = "id")
+    private Long id;
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    /** The KYC record the exception belongs to. Nullable — outreach can precede a KYC row. */
+    @Column(name = "kyc_id")
+    private Long kycId;
+
+    @Enumerated(EnumType.STRING)
+    @Column(name = "channel", length = 20, nullable = false)
+    private KycContactChannel channel;
+
+    @Column(name = "notes", length = 1000, nullable = false)
+    private String notes;
+
+    @Column(name = "officer_name", length = 200)
+    private String officerName;
+
+    @Column(name = "logged_by_user_id")
+    private Long loggedByUserId;
+
+    @Column(name = "exception_reason", length = 200)
+    private String exceptionReason;
+
+    @Enumerated(EnumType.STRING)
+    @Column(name = "delivery_status", length = 30, nullable = false)
+    private KycContactDeliveryStatus deliveryStatus;
+
+    @Column(name = "destination_masked", length = 120)
+    private String destinationMasked;
+
+    @Column(name = "provider", length = 40)
+    private String provider;
+
+    @Column(name = "provider_reference", length = 120)
+    private String providerReference;
+
+    @Column(name = "failure_reason", length = 500)
+    private String failureReason;
+
+    @Column(name = "message_body", length = 2000)
+    private String messageBody;
+
+    @Column(name = "contacted_at", nullable = false)
+    private LocalDateTime contactedAt;
+
+    @Column(name = "created_at", nullable = false)
+    private LocalDateTime createdAt;
+
+    protected ClientKycContactLog() {
+        // JPA
+    }
+
+    public ClientKycContactLog(final Client client, final Long kycId, final KycContactChannel channel, final String notes,
+            final String officerName, final Long loggedByUserId, final String exceptionReason, final LocalDateTime contactedAt) {
+        this.client = client;
+        this.kycId = kycId;
+        this.channel = channel;
+        this.notes = notes;
+        this.officerName = officerName;
+        this.loggedByUserId = loggedByUserId;
+        this.exceptionReason = exceptionReason;
+        this.contactedAt = contactedAt;
+        this.createdAt = contactedAt;
+        this.deliveryStatus = KycContactDeliveryStatus.NOT_APPLICABLE;
+    }
+
+    /**
+     * Stamp the outcome of a platform send onto this log row. Called once, before the row is
+     * persisted — the entity is append-only afterwards.
+     */
+    public void recordDeliveryOutcome(final KycContactDeliveryStatus status, final String destinationMasked, final String provider,
+            final String providerReference, final String failureReason, final String messageBody) {
+        this.deliveryStatus = status;
+        this.destinationMasked = destinationMasked;
+        this.provider = provider;
+        this.providerReference = providerReference;
+        this.failureReason = truncate(failureReason, 500);
+        this.messageBody = truncate(messageBody, 2000);
+    }
+
+    private static String truncate(final String value, final int max) {
+        if (value == null || value.length() <= max) {
+            return value;
+        }
+        return value.substring(0, max - 3) + "...";
+    }
+
+    public Long getId() {
+        return this.id;
+    }
+
+    public Client getClient() {
+        return this.client;
+    }
+
+    public Long getKycId() {
+        return this.kycId;
+    }
+
+    public KycContactChannel getChannel() {
+        return this.channel;
+    }
+
+    public String getNotes() {
+        return this.notes;
+    }
+
+    public String getOfficerName() {
+        return this.officerName;
+    }
+
+    public Long getLoggedByUserId() {
+        return this.loggedByUserId;
+    }
+
+    public String getExceptionReason() {
+        return this.exceptionReason;
+    }
+
+    public KycContactDeliveryStatus getDeliveryStatus() {
+        return this.deliveryStatus;
+    }
+
+    public String getDestinationMasked() {
+        return this.destinationMasked;
+    }
+
+    public String getProvider() {
+        return this.provider;
+    }
+
+    public String getProviderReference() {
+        return this.providerReference;
+    }
+
+    public String getFailureReason() {
+        return this.failureReason;
+    }
+
+    public String getMessageBody() {
+        return this.messageBody;
+    }
+
+    public LocalDateTime getContactedAt() {
+        return this.contactedAt;
+    }
+
+    public LocalDateTime getCreatedAt() {
+        return this.createdAt;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKycContactLogRepository.java

@@ -0,0 +1,36 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.client.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface ClientKycContactLogRepository extends JpaRepository<ClientKycContactLog, Long> {
+
+    List<ClientKycContactLog> findByClientIdOrderByContactedAtAsc(Long clientId);
+
+    /**
+     * Every contact log for the given clients in one round trip, so the exceptions grid can render
+     * "last contacted" for the whole page without an N+1 query per row.
+     */
+    @Query("SELECT l FROM ClientKycContactLog l WHERE l.client.id IN :clientIds ORDER BY l.contactedAt ASC")
+    List<ClientKycContactLog> findByClientIds(@Param("clientIds") List<Long> clientIds);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKycRepository.java

@@ -33,6 +33,18 @@ public interface ClientKycRepository extends JpaRepository<ClientKyc, Long> {
 
     boolean existsByClientId(Long clientId);
 
+    List<ClientKyc> findByIsExceptionTrueAndExceptionResolvedFalse();
+
+    /**
+     * Resolved exceptions, keyed on {@code exceptionResolved} alone.
+     *
+     * <p>Deliberately does NOT also require {@code isException = true}. Resolving an exception
+     * clears {@code isException} — that flag means "has an OPEN exception", so leaving it set on a
+     * closed one would be wrong. An earlier version of this query required both flags, which made
+     * every resolved record invisible in both tabs the moment it was resolved.
+     */
+    List<ClientKyc> findByExceptionResolvedTrue();
+
     @Query("SELECT k FROM ClientKyc k WHERE k.kycStatus = :status")
     List<ClientKyc> findAllByStatus(@Param("status") Integer status);
 

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientRepository.java

@@ -63,13 +63,6 @@ public interface ClientRepository extends JpaRepository<Client, Long>, JpaSpecif
     @Query("UPDATE Client client SET client.signatureId = null WHERE client.id = :clientId")
     void removeSignatureId(@Param("clientId") Long clientId);
 
-    /**
-     * Count clients whose cif_number begins with the given prefix. Used by the CIF number generator
-     * (TTYYYYNNNNNN format) to compute the next sequence within a given (type, year) bucket.
-     */
-    @Query("SELECT COUNT(c) FROM Client c WHERE c.cifNumber LIKE CONCAT(:prefix, '%')")
-    long countByCifNumberPrefix(@Param("prefix") String prefix);
-
     // ── Pre-save uniqueness probes ───────────────────────────────────────────
     // Why: DB has UNIQUE on mobile_no / email_address, but we want to fail fast with a clear
     // field-level error BEFORE saveAndFlush — and importantly before the external KYC API call.

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientRiskRule.java

@@ -72,14 +72,67 @@ public class ClientRiskRule {
     @Column(name = "risk_category", nullable = false)
     private Integer riskCategory;
 
-    @Column(name = "reason", nullable = false, length = 255)
+    @Column(name = "reason", nullable = false, length = 500)
     private String reason;
 
+    @Column(name = "aml_check_status", length = 20)
+    private String amlCheckStatus;
+
+    @Column(name = "banned_entity_match", length = 10)
+    private String bannedEntityMatch;
+
+    @Column(name = "willful_defaulter", length = 10)
+    private String willfulDefaulter;
+
+    @Column(name = "ecgc_sal_flag", length = 10)
+    private String ecgcSalFlag;
+
+    @Column(name = "dormant_flag", length = 20)
+    private String dormantFlag;
+
     @Column(name = "order_position", nullable = false)
     private Integer orderPosition;
 
     protected ClientRiskRule() {}
 
+    /**
+     * Builds a rule authored from the AML Rules Master screen. Occupation and occupation-category
+     * are attached separately by the caller, which owns the CodeValue lookup.
+     */
+    public static ClientRiskRule create(final String ruleName, final String reason, final Integer riskCategory,
+            final Integer orderPosition, final Integer legalFormId, final BigDecimal minMonthlyIncome,
+            final BigDecimal maxMonthlyIncome, final BigDecimal minAnnualIncome, final BigDecimal maxAnnualIncome,
+            final BigDecimal minAnnualTurnover, final BigDecimal maxAnnualTurnover, final String amlCheckStatus,
+            final String bannedEntityMatch, final String willfulDefaulter, final String ecgcSalFlag,
+            final String dormantFlag) {
+        final ClientRiskRule rule = new ClientRiskRule();
+        rule.ruleName = ruleName;
+        rule.reason = reason;
+        rule.riskCategory = riskCategory;
+        rule.orderPosition = orderPosition;
+        rule.legalFormId = legalFormId;
+        rule.minMonthlyIncome = minMonthlyIncome;
+        rule.maxMonthlyIncome = maxMonthlyIncome;
+        rule.minAnnualIncome = minAnnualIncome;
+        rule.maxAnnualIncome = maxAnnualIncome;
+        rule.minAnnualTurnover = minAnnualTurnover;
+        rule.maxAnnualTurnover = maxAnnualTurnover;
+        rule.amlCheckStatus = amlCheckStatus;
+        rule.bannedEntityMatch = bannedEntityMatch;
+        rule.willfulDefaulter = willfulDefaulter;
+        rule.ecgcSalFlag = ecgcSalFlag;
+        rule.dormantFlag = dormantFlag;
+        return rule;
+    }
+
+    public void setOccupationCategory(final CodeValue occupationCategory) {
+        this.occupationCategory = occupationCategory;
+    }
+
+    public void setOccupation(final CodeValue occupation) {
+        this.occupation = occupation;
+    }
+
     public Long getId() {
         return id;
     }
@@ -135,4 +188,24 @@ public class ClientRiskRule {
     public Integer getOrderPosition() {
         return orderPosition;
     }
+
+    public String getAmlCheckStatus() {
+        return amlCheckStatus;
+    }
+
+    public String getBannedEntityMatch() {
+        return bannedEntityMatch;
+    }
+
+    public String getWillfulDefaulter() {
+        return willfulDefaulter;
+    }
+
+    public String getEcgcSalFlag() {
+        return ecgcSalFlag;
+    }
+
+    public String getDormantFlag() {
+        return dormantFlag;
+    }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientRiskRuleRepository.java

@@ -26,4 +26,10 @@ public interface ClientRiskRuleRepository extends JpaRepository<ClientRiskRule,
 
     @Query("SELECT r FROM ClientRiskRule r ORDER BY r.orderPosition ASC")
     List<ClientRiskRule> findAllOrderedByOrderPosition();
+
+    /** Highest position in use, so a new rule can be appended to the end of the catalog. */
+    @Query("SELECT MAX(r.orderPosition) FROM ClientRiskRule r")
+    Integer findMaxOrderPosition();
+
+    boolean existsByRuleNameIgnoreCase(String ruleName);
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/KycContactChannel.java

@@ -0,0 +1,91 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.client.domain;
+
+/**
+ * The channel a KYC officer used (or asked the platform to use) to reach a customer about an open
+ * KYC exception.
+ *
+ * <p>The critical distinction is {@link #isPlatformSent()}:
+ * <ul>
+ *   <li><b>Offline channels</b> ({@code PHONE_CALL}, {@code BRANCH_VISIT}, {@code FIELD_VISIT}) are
+ *       recorded after the fact — the officer already did the thing, the platform only writes it
+ *       down.</li>
+ *   <li><b>Sending channels</b> ({@code SMS}, {@code EMAIL}, {@code WHATSAPP}) cause the platform to
+ *       actually transmit a notice to the customer at save time.</li>
+ * </ul>
+ * Mixing these up would let a "logged" row imply the customer was told something they never
+ * received, so every call site branches on this flag rather than on the channel name.
+ */
+public enum KycContactChannel {
+
+    PHONE_CALL("Phone Call", false),
+    SMS("SMS", true),
+    EMAIL("Email", true),
+    WHATSAPP("WhatsApp Message", true),
+    BRANCH_VISIT("In-Branch Visit", false),
+    FIELD_VISIT("Agent Field Visit", false);
+
+    private final String displayLabel;
+    private final boolean platformSent;
+
+    KycContactChannel(final String displayLabel, final boolean platformSent) {
+        this.displayLabel = displayLabel;
+        this.platformSent = platformSent;
+    }
+
+    public String getDisplayLabel() {
+        return this.displayLabel;
+    }
+
+    /** True when saving a log of this channel must actually transmit a message to the customer. */
+    public boolean isPlatformSent() {
+        return this.platformSent;
+    }
+
+    /**
+     * Lenient parse of whatever the UI sent. Accepts the enum name ({@code SMS}) as well as the
+     * display label, and tolerates the descriptive suffixes the dialog uses — e.g.
+     * {@code "SMS (Aadhaar OTP request)"} and {@code "Email (PAN Link request)"} — because those
+     * labels describe the *purpose* of the message, not a different channel.
+     *
+     * @return the matching channel, or {@code null} when nothing matches.
+     */
+    public static KycContactChannel fromString(final String raw) {
+        if (raw == null || raw.isBlank()) {
+            return null;
+        }
+        final String normalised = raw.trim().toUpperCase();
+        for (final KycContactChannel channel : values()) {
+            if (normalised.equals(channel.name()) || normalised.equals(channel.displayLabel.toUpperCase())) {
+                return channel;
+            }
+        }
+        // Prefix match handles the "(…request)" suffixes. Longest label first so WHATSAPP's
+        // "WHATSAPP MESSAGE" is preferred over a shorter accidental prefix.
+        KycContactChannel best = null;
+        for (final KycContactChannel channel : values()) {
+            final String label = channel.displayLabel.toUpperCase();
+            if (normalised.startsWith(label) && (best == null || label.length() > best.displayLabel.length())) {
+                best = channel;
+            }
+        }
+        return best;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/KycContactDeliveryStatus.java

@@ -0,0 +1,48 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.client.domain;
+
+/**
+ * Outcome of a platform-sent KYC contact notice.
+ *
+ * <p>Every state other than {@link #SENT} means the customer was <em>not</em> reached. The officer
+ * is shown the distinction explicitly, because a contact log that silently swallows a gateway
+ * failure would understate the bank's outreach obligation during a KYC audit.
+ */
+public enum KycContactDeliveryStatus {
+
+    /** Offline channel — nothing was transmitted and nothing was supposed to be. */
+    NOT_APPLICABLE,
+
+    /** The gateway accepted the message for delivery. */
+    SENT,
+
+    /** The gateway was reached but rejected the message, or the call errored. */
+    FAILED,
+
+    /** The customer has no mobile number / email address on file for this channel. */
+    SKIPPED_NO_DESTINATION,
+
+    /** No gateway is configured for this channel in this deployment. */
+    PROVIDER_NOT_CONFIGURED;
+
+    public boolean isDelivered() {
+        return this == SENT;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/mobilelookup/domain/MobileLookupLog.java

@@ -65,6 +65,29 @@ public class MobileLookupLog extends AbstractAuditableWithUTCDateTimeCustom<Long
     @Column(name = "looked_up_on", nullable = false)
     private OffsetDateTime lookedUpOn;
 
+    // ── Officer decision on a non-clean result ────────────────────────────────
+    // A DIP hit is a fraud-risk signal rather than a legal bar, so onboarding may continue — but
+    // the officer has to say why in writing, and that reasoning is kept with the lookup.
+
+    /** PROCEEDED | REJECTED. Null while no decision is required or none has been taken. */
+    @Column(name = "override_decision", length = 20)
+    private String overrideDecision;
+
+    @Column(name = "override_reason")
+    private String overrideReason;
+
+    @Column(name = "decided_by")
+    private Long decidedBy;
+
+    @Column(name = "decided_on")
+    private OffsetDateTime decidedOn;
+
+    public static final String STATUS_CLEAN = "CLEAN";
+    public static final String STATUS_ERROR = "ERROR";
+    public static final String STATUS_SERVICE_UNAVAILABLE = "SERVICE_UNAVAILABLE";
+    public static final String DECISION_PROCEEDED = "PROCEEDED";
+    public static final String DECISION_REJECTED = "REJECTED";
+
     protected MobileLookupLog() {}
 
     public MobileLookupLog(final String mobileNumber, final String lookupStatus,
@@ -81,4 +104,27 @@ public class MobileLookupLog extends AbstractAuditableWithUTCDateTimeCustom<Long
         this.clientId = clientId;
         this.lookedUpOn = DateUtils.getOffsetDateTimeOfTenant();
     }
+
+    public void recordDecision(final String decision, final String reason, final Long userId) {
+        this.overrideDecision = decision;
+        this.overrideReason = reason;
+        this.decidedBy = userId;
+        this.decidedOn = DateUtils.getOffsetDateTimeOfTenant();
+    }
+
+    /** True when the lookup produced something the officer must consciously decide about. */
+    public boolean requiresDecision() {
+        return this.suspected || this.disconnected;
+    }
+
+    /**
+     * A number may be used only when it came back clean, or when an officer explicitly chose to
+     * proceed. An unreachable DoT service is NOT a pass — it means nothing was checked.
+     */
+    public boolean isUsable() {
+        if (STATUS_CLEAN.equals(this.lookupStatus)) {
+            return true;
+        }
+        return DECISION_PROCEEDED.equals(this.overrideDecision);
+    }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/mobilelookup/domain/MobileLookupLogRepository.java

@@ -19,6 +19,8 @@
 package org.apache.fineract.portfolio.mobilelookup.domain;
 
 import java.util.List;
+import org.springframework.data.domain.PageRequest;
+import org.springframework.data.domain.Pageable;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.Query;
 import org.springframework.data.repository.query.Param;
@@ -35,4 +37,29 @@ public interface MobileLookupLogRepository extends JpaRepository<MobileLookupLog
 
     @Query("SELECT l FROM MobileLookupLog l WHERE l.lookupStatus = :status ORDER BY l.lookedUpOn DESC")
     List<MobileLookupLog> findByLookupStatus(@Param("status") String status);
+
+    /** Non-clean lookups still waiting for an officer's decision — the DIP review queue. */
+    @Query("SELECT l FROM MobileLookupLog l WHERE (l.suspected = true OR l.disconnected = true) "
+            + "AND l.overrideDecision IS NULL ORDER BY l.lookedUpOn DESC")
+    List<MobileLookupLog> findPendingDecisions();
+
+    /**
+     * Most recent lookup for a number, used by the server-side gate to confirm the browser's
+     * claim that a number was verified.
+     *
+     * <p>
+     * Paged rather than a JPQL {@code LIMIT}, which EclipseLink does not accept — the caller
+     * takes the first row.
+     * </p>
+     */
+    @Query("SELECT l FROM MobileLookupLog l WHERE l.mobileNumber = :mobileNumber ORDER BY l.lookedUpOn DESC")
+    List<MobileLookupLog> findLatestByMobileNumber(@Param("mobileNumber") String mobileNumber, Pageable pageable);
+
+    /**
+     * Earlier rejections of the same number, on any client. A number turned away once is a
+     * standing signal: without this the next officer screens it fresh and sees no history.
+     */
+    @Query("SELECT l FROM MobileLookupLog l WHERE l.mobileNumber = :mobileNumber "
+            + "AND l.overrideDecision = 'REJECTED' ORDER BY l.decidedOn DESC")
+    List<MobileLookupLog> findRejections(@Param("mobileNumber") String mobileNumber, Pageable pageable);
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/sanctions/domain/SanctionsEntryRepository.java

@@ -18,7 +18,9 @@
  */
 package org.apache.fineract.portfolio.sanctions.domain;
 
+import java.time.OffsetDateTime;
 import java.util.List;
+import java.util.Optional;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.Query;
 import org.springframework.data.repository.query.Param;
@@ -40,4 +42,11 @@ public interface SanctionsEntryRepository extends JpaRepository<SanctionsEntry,
     void deleteAllByActiveTrue();
 
     long countByActiveTrue();
+
+    /**
+     * Timestamp the active sanctions list was last loaded into the database — i.e. the data
+     * currency shown to callers so they know which list snapshot a screening ran against.
+     */
+    @Query("SELECT MAX(s.createdDate) FROM SanctionsEntry s WHERE s.active = true")
+    Optional<OffsetDateTime> findListLastLoadedOn();
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/sanctions/domain/SanctionsScreeningLog.java

@@ -61,6 +61,65 @@ public class SanctionsScreeningLog extends AbstractAuditableWithUTCDateTimeCusto
     @Column(name = "screened_on", nullable = false)
     private OffsetDateTime screenedOn;
 
+    // ── Alert disposition ─────────────────────────────────────────────────────
+    // A FLAGGED screening opens a case. It stays PENDING_REVIEW until an officer either
+    // documents it as a different person (FALSE_POSITIVE, effective only once the Principal
+    // Officer approves) or confirms it (CONFIRMED_MATCH, which freezes and gets reported).
+
+    @Column(name = "disposition", length = 30)
+    private String disposition;
+
+    @Column(name = "disposition_reason")
+    private String dispositionReason;
+
+    @Column(name = "reviewed_by")
+    private Long reviewedBy;
+
+    @Column(name = "reviewed_on")
+    private OffsetDateTime reviewedOn;
+
+    @Column(name = "approved_by")
+    private Long approvedBy;
+
+    @Column(name = "approved_on")
+    private OffsetDateTime approvedOn;
+
+    @Column(name = "fiu_str_reference", length = 100)
+    private String fiuStrReference;
+
+    @Column(name = "nodal_officer_informed_on")
+    private OffsetDateTime nodalOfficerInformedOn;
+
+    @Column(name = "frozen_account_ids", length = 1000)
+    private String frozenAccountIds;
+
+    @Column(name = "frozen_on")
+    private OffsetDateTime frozenOn;
+
+    // ── STR tracking ──────────────────────────────────────────────────────────
+    // A confirmed match is reportable to FIU-IND. Tracked here rather than as an AML alert: an
+    // AML alert is built around a monetary transaction, whereas this is triggered by who the
+    // customer is, so the two are surfaced as separate streams on the FIU screen.
+
+    /** NULL until approval; then PENDING_FILING → FILED. */
+    @Column(name = "str_status", length = 30)
+    private String strStatus;
+
+    @Column(name = "str_due_date")
+    private java.time.LocalDate strDueDate;
+
+    @Column(name = "str_raised_on")
+    private OffsetDateTime strRaisedOn;
+
+    public static final String STR_PENDING_FILING = "PENDING_FILING";
+    public static final String STR_FILED = "FILED";
+
+    public static final String RESULT_FLAGGED = "FLAGGED";
+    public static final String RESULT_CLEAR = "CLEAR";
+    public static final String DISPOSITION_PENDING = "PENDING_REVIEW";
+    public static final String DISPOSITION_FALSE_POSITIVE = "FALSE_POSITIVE";
+    public static final String DISPOSITION_CONFIRMED = "CONFIRMED_MATCH";
+
     protected SanctionsScreeningLog() {}
 
     public SanctionsScreeningLog(final String screenedName, final String screeningResult,
@@ -75,8 +134,75 @@ public class SanctionsScreeningLog extends AbstractAuditableWithUTCDateTimeCusto
         this.clientId = clientId;
         this.ipAddress = ipAddress;
         this.screenedOn = DateUtils.getOffsetDateTimeOfTenant();
+        // A hit opens a case; a clear screening has no case to close.
+        this.disposition = RESULT_FLAGGED.equals(screeningResult) ? DISPOSITION_PENDING : null;
     }
 
+    // ── Alert lifecycle ───────────────────────────────────────────────────────
+
+    /**
+     * Records the officer's assessment of the hit. Deliberately does NOT clear the block: a
+     * false positive only takes effect once {@link #approve(Long)} is called by the Principal
+     * Officer, so the person who raised it cannot wave their own match through.
+     */
+    public void recordDisposition(final String newDisposition, final String reason, final Long userId) {
+        this.disposition = newDisposition;
+        this.dispositionReason = reason;
+        this.reviewedBy = userId;
+        this.reviewedOn = DateUtils.getOffsetDateTimeOfTenant();
+        // Re-opening a previously approved alert must drop the old approval with it.
+        this.approvedBy = null;
+        this.approvedOn = null;
+    }
+
+    public void approve(final Long approverId) {
+        this.approvedBy = approverId;
+        this.approvedOn = DateUtils.getOffsetDateTimeOfTenant();
+    }
+
+    /** Records the FIU-IND STR reference and the date the nodal officer was informed. */
+    public void recordReporting(final String strReference, final OffsetDateTime nodalOfficerInformedOn) {
+        if (strReference != null) {
+            this.fiuStrReference = strReference;
+            // Recording the FIU-IND acknowledgement is what closes the filing obligation, so the
+            // case stops appearing as outstanding on the FIU screen.
+            if (!strReference.isBlank()) {
+                this.strStatus = STR_FILED;
+            }
+        }
+        if (nodalOfficerInformedOn != null) {
+            this.nodalOfficerInformedOn = nodalOfficerInformedOn;
+        }
+    }
+
+    public void recordFreeze(final String accountIds) {
+        this.frozenAccountIds = accountIds;
+        this.frozenOn = DateUtils.getOffsetDateTimeOfTenant();
+    }
+
+    /**
+     * Opens the STR obligation on approval of a confirmed match. PMLA allows seven working days
+     * from forming the suspicion; seven calendar days is the stricter reading.
+     */
+    public void raiseStr() {
+        if (this.strStatus != null) {
+            return;
+        }
+        this.strStatus = STR_PENDING_FILING;
+        this.strRaisedOn = DateUtils.getOffsetDateTimeOfTenant();
+        this.strDueDate = DateUtils.getBusinessLocalDate().plusDays(7);
+    }
+
+    public boolean isStrPending() { return STR_PENDING_FILING.equals(this.strStatus); }
+
+    public boolean isFlagged() { return RESULT_FLAGGED.equals(this.screeningResult); }
+
+    public boolean isApprovedFalsePositive() {
+        return DISPOSITION_FALSE_POSITIVE.equals(this.disposition) && this.approvedBy != null;
+    }
+
+    public boolean isConfirmedMatch() { return DISPOSITION_CONFIRMED.equals(this.disposition); }
+
     // ── Accessors ─────────────────────────────────────────────────────────────
 
     public String getScreenedName() { return screenedName; }
@@ -89,4 +215,17 @@ public class SanctionsScreeningLog extends AbstractAuditableWithUTCDateTimeCusto
     public void setClientId(Long clientId) { this.clientId = clientId; }
     public String getIpAddress() { return ipAddress; }
     public OffsetDateTime getScreenedOn() { return screenedOn; }
+    public String getDisposition() { return disposition; }
+    public String getDispositionReason() { return dispositionReason; }
+    public Long getReviewedBy() { return reviewedBy; }
+    public OffsetDateTime getReviewedOn() { return reviewedOn; }
+    public Long getApprovedBy() { return approvedBy; }
+    public OffsetDateTime getApprovedOn() { return approvedOn; }
+    public String getFiuStrReference() { return fiuStrReference; }
+    public OffsetDateTime getNodalOfficerInformedOn() { return nodalOfficerInformedOn; }
+    public String getFrozenAccountIds() { return frozenAccountIds; }
+    public OffsetDateTime getFrozenOn() { return frozenOn; }
+    public String getStrStatus() { return strStatus; }
+    public java.time.LocalDate getStrDueDate() { return strDueDate; }
+    public OffsetDateTime getStrRaisedOn() { return strRaisedOn; }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/sanctions/domain/SanctionsScreeningLogRepository.java

@@ -39,4 +39,32 @@ public interface SanctionsScreeningLogRepository extends JpaRepository<Sanctions
 
     @Query("SELECT l FROM SanctionsScreeningLog l WHERE LOWER(l.screenedName) LIKE LOWER(CONCAT('%', :name, '%')) ORDER BY l.screenedOn DESC")
     List<SanctionsScreeningLog> findByScreenedNameContaining(@Param("name") String name);
+
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.disposition = :disposition ORDER BY l.screenedOn DESC")
+    List<SanctionsScreeningLog> findByDisposition(@Param("disposition") String disposition);
+
+    /** Every open alert — the Principal Officer's review queue. */
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.disposition IS NOT NULL ORDER BY l.screenedOn DESC")
+    List<SanctionsScreeningLog> findAllAlerts();
+
+    /**
+     * A name is only cleared to onboard once a false positive on that exact name has been
+     * approved by the Principal Officer — the maker's own assessment is not enough.
+     */
+    @Query("SELECT COUNT(l) FROM SanctionsScreeningLog l WHERE LOWER(TRIM(l.screenedName)) = LOWER(TRIM(:name)) "
+            + "AND l.disposition = 'FALSE_POSITIVE' AND l.approvedBy IS NOT NULL")
+    long countApprovedFalsePositives(@Param("name") String name);
+
+    /** Latest alert for a client, used to decide whether their accounts must stay frozen. */
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.clientId = :clientId AND l.screeningResult = 'FLAGGED' "
+            + "ORDER BY l.screenedOn DESC")
+    List<SanctionsScreeningLog> findFlaggedByClientId(@Param("clientId") Long clientId);
+
+    /**
+     * Confirmed matches carrying an STR obligation — the sanctions stream on the FIU-IND screen.
+     * Pass null for every STR regardless of whether it has been filed.
+     */
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.strStatus IS NOT NULL "
+            + "AND (:status IS NULL OR l.strStatus = :status) ORDER BY l.strDueDate ASC, l.strRaisedOn DESC")
+    List<SanctionsScreeningLog> findStrCases(@Param("status") String status);
 }

fineract-core/src/main/resources/jpa/static-weaving/module/fineract-core/persistence.xml

@@ -54,6 +54,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-document/src/main/java/org/apache/fineract/infrastructure/contentstore/policy/MimeContentPolicy.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.infrastructure.contentstore.policy;
 
+import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.Strings;
@@ -31,6 +32,10 @@ import org.springframework.stereotype.Component;
 @Component
 public class MimeContentPolicy implements ContentPolicy {
 
+    // CSV has no content-level magic bytes, so byte-sniffing a delimited text file legitimately
+    // detects it as text/plain even though it was uploaded (and named) as text/csv.
+    private static final Set<String> INTERCHANGEABLE_TEXT_MIME_TYPES = Set.of("text/csv", "text/plain");
+
     private final ContentDetectorManager contentDetectorManager;
 
     @Override
@@ -39,7 +44,11 @@ public class MimeContentPolicy implements ContentPolicy {
             var result = contentDetectorManager
                     .detect(ContentDetectorContext.builder().inputStream(ctx.getInputStream()).inputStreamEnabled(true).build());
 
-            if (!Strings.CI.equals(result.getMimeType(), ctx.getMimeType())) {
+            boolean matches = Strings.CI.equals(result.getMimeType(), ctx.getMimeType())
+                    || (INTERCHANGEABLE_TEXT_MIME_TYPES.contains(result.getMimeType())
+                            && INTERCHANGEABLE_TEXT_MIME_TYPES.contains(ctx.getMimeType()));
+
+            if (!matches) {
                 throw new ContentPolicyException(String.format("Detected file type (%s), but mime type (%s) was provided. Mismatch!",
                         result.getMimeType(), ctx.getMimeType()));
             }

fineract-document/src/main/java/org/apache/fineract/infrastructure/documentmanagement/service/ImageReadPlatformServiceImpl.java

@@ -18,6 +18,8 @@
  */
 package org.apache.fineract.infrastructure.documentmanagement.service;
 
+import java.io.FileNotFoundException;
+import java.nio.file.NoSuchFileException;
 import java.util.List;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
@@ -38,6 +40,9 @@ import org.springframework.stereotype.Service;
 @Service
 public class ImageReadPlatformServiceImpl implements ImageReadPlatformService {
 
+    /** Bound on the cause walk below, so a self-referencing cause chain cannot spin. */
+    private static final int MAX_CAUSE_DEPTH = 10;
+
     @Deprecated
     private final List<EntityImageIdAdapter> imageIdAdapters;
     private final ContentStoreService storeService;
@@ -66,7 +71,31 @@ public class ImageReadPlatformServiceImpl implements ImageReadPlatformService {
         } catch (final AbstractPlatformDomainRuleException e) {
             throw e;
         } catch (final Exception e) {
+            if (isMissingFromContentStore(e)) {
+                // The m_image row survives but the file it points at does not — the usual cause is a
+                // database copied between environments without its file store. For the caller that is
+                // simply "this entity has no image", not a server fault, so report it the same way as a
+                // missing image record instead of letting it surface as a 500.
+                log.warn("Image for {} {} is recorded but missing from the content store; treating it as no image", entityType,
+                        entityId);
+                throw new DocumentNotFoundException(entityType, entityId, -1L);
+            }
             throw new DocumentInvalidRequestException(e);
         }
     }
+
+    /**
+     * Whether a failure bottoms out in "the stored file is not there", however it was wrapped on the
+     * way up (the file store rethrows as ContentStoreException).
+     */
+    private boolean isMissingFromContentStore(final Throwable failure) {
+        Throwable cause = failure;
+        for (int depth = 0; cause != null && depth < MAX_CAUSE_DEPTH; depth++) {
+            if (cause instanceof NoSuchFileException || cause instanceof FileNotFoundException) {
+                return true;
+            }
+            cause = cause.getCause();
+        }
+        return false;
+    }
 }

fineract-investor/src/main/resources/jpa/static-weaving/module/fineract-investor/persistence.xml

@@ -54,6 +54,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/data/LoanProductData.java

@@ -1466,6 +1466,26 @@ public class LoanProductData implements Serializable {
         this.allowAttributeOverrides = loanProductConfigurableAttributes;
     }
 
+    /**
+     * The legacy "Account Type Creation" fields, flat and keyed by their form field name.
+     *
+     * Set after construction rather than through a constructor parameter: the main constructor already
+     * takes over a hundred arguments, and threading two more through it would touch every call site for
+     * no benefit. Follows the same pattern as setLoanProductConfigurableAttributes above.
+     */
+    private Map<String, Object> cbsExtensions;
+
+    /** The legacy Interest Rate Detail grid: one entry per interest type, in form order. */
+    private List<Map<String, Object>> interestRateDetail;
+
+    public void setCbsExtensions(final Map<String, Object> cbsExtensions) {
+        this.cbsExtensions = cbsExtensions;
+    }
+
+    public void setInterestRateDetail(final List<Map<String, Object>> interestRateDetail) {
+        this.interestRateDetail = interestRateDetail;
+    }
+
     public boolean isIsLinkedToFloatingInterestRates() {
         return this.isLinkedToFloatingInterestRates;
     }

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductCbsExt.java

@@ -0,0 +1,740 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.OneToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/**
+ * The legacy "Account Type Creation" configuration for a loan product.
+ *
+ * Fineract's loan product schema has no home for these fields, and they are specific to this
+ * deployment, so they hang off {@link LoanProduct} 1:1 instead of widening m_product_loan - an
+ * upstream change to that table can then never collide with them.
+ *
+ * Loan account creation reads this at origination time, which is why these are typed columns rather
+ * than a JSON blob: callers get a compile-checked getter and reports get a plain column.
+ */
+@Entity
+@Getter
+@Setter
+@NoArgsConstructor
+@Table(name = "m_product_loan_cbs_ext")
+public class LoanProductCbsExt {
+
+    @Id
+    @Column(name = "loan_product_id")
+    private Long loanProductId;
+
+    /**
+     * Shared primary key: this and {@link #loanProductId} are the same column, so the association is
+     * mapped read-only and {@code loanProductId} is the one that writes it. EclipseLink rejects an
+     * entity with two writable mappings for one field.
+     */
+    @OneToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "loan_product_id", insertable = false, updatable = false)
+    private LoanProduct loanProduct;
+
+    // ---- classification & legacy header fields (24) ---------------------
+
+    @Column(name = "product_type_group")
+    private String productTypeGroup;
+
+    @Column(name = "product_type_sub_group")
+    private String productTypeSubGroup;
+
+    @Column(name = "debit_int_calculation")
+    private Boolean debitIntCalculation;
+
+    @Column(name = "separate_penal_interest")
+    private Boolean separatePenalInterest;
+
+    @Column(name = "credit_int_calculation")
+    private Boolean creditIntCalculation;
+
+    @Column(name = "sub_account_type_balance")
+    private Boolean subAccountTypeBalance;
+
+    @Column(name = "final_int_rounding")
+    private Boolean finalIntRounding;
+
+    @Column(name = "rounding_up_to")
+    private Integer roundingUpTo;
+
+    @Column(name = "account_type_code")
+    private String accountTypeCode;
+
+    @Column(name = "micr_transaction_code")
+    private String micrTransactionCode;
+
+    @Column(name = "reserved_ecs_serial_number")
+    private String reservedEcsSerialNumber;
+
+    @Column(name = "reverse_ecs_number")
+    private String reverseEcsNumber;
+
+    @Column(name = "lock_cheque_info_enabled")
+    private Boolean lockChequeInfoEnabled;
+
+    @Column(name = "lock_page_two_info_enabled")
+    private Boolean lockPageTwoInfoEnabled;
+
+    @Column(name = "computerization_date")
+    private LocalDate computerizationDate;
+
+    @Column(name = "cheque_print_description")
+    private String chequePrintDescription;
+
+    @Column(name = "pos_account_type_description")
+    private String posAccountTypeDescription;
+
+    @Column(name = "pfms_account_type")
+    private String pfmsAccountType;
+
+    @Column(name = "renewal_date_add_months")
+    private Integer renewalDateAddMonths;
+
+    @Column(name = "document_renewal_date_add_months")
+    private Integer documentRenewalDateAddMonths;
+
+    @Column(name = "pps_limit")
+    private BigDecimal ppsLimit;
+
+    @Column(name = "is_write_off_account_type")
+    private Boolean isWriteOffAccountType;
+
+    @Column(name = "write_off_account_type_code")
+    private String writeOffAccountTypeCode;
+
+    @Column(name = "renewal_grace_days")
+    private Integer renewalGraceDays;
+
+    // ---- Cheque Book Settings (10) --------------------------------------
+
+    @Column(name = "cheque_book_issue_enabled")
+    private Boolean chequeBookIssueEnabled;
+
+    @Column(name = "cheque_validation_required")
+    private Boolean chequeValidationRequired;
+
+    @Column(name = "is_first_cheque_book_free")
+    private Boolean isFirstChequeBookFree;
+
+    @Column(name = "cheque_printing_account_type")
+    private String chequePrintingAccountType;
+
+    @Column(name = "allow_withdrawal_slip_usage")
+    private Boolean allowWithdrawalSlipUsage;
+
+    @Column(name = "maintain_cheque_book_stock_registry")
+    private Boolean maintainChequeBookStockRegistry;
+
+    @Column(name = "free_cheque_books_per_year")
+    private Integer freeChequeBooksPerYear;
+
+    @Column(name = "allow_credit_by_cheque_number")
+    private Boolean allowCreditByChequeNumber;
+
+    @Column(name = "credit_cheque_validation_required")
+    private Boolean creditChequeValidationRequired;
+
+    @Column(name = "grace_days_for_stock_statement")
+    private Integer graceDaysForStockStatement;
+
+    // ---- Additional Product Settings (37) -------------------------------
+
+    @Column(name = "account_type_active_for_transactions")
+    private Boolean accountTypeActiveForTransactions;
+
+    @Column(name = "sub_type_activity_enabled")
+    private Boolean subTypeActivityEnabled;
+
+    @Column(name = "account_opening_charges")
+    private BigDecimal accountOpeningCharges;
+
+    @Column(name = "maximum_gold_loan_limit")
+    private BigDecimal maximumGoldLoanLimit;
+
+    @Column(name = "last_account_number_opened")
+    private String lastAccountNumberOpened;
+
+    @Column(name = "customer_termination_allowed")
+    private Boolean customerTerminationAllowed;
+
+    @Column(name = "charges_for_cash_credit_above_limit")
+    private BigDecimal chargesForCashCreditAboveLimit;
+
+    @Column(name = "death_interest_gl_account")
+    private String deathInterestGLAccount;
+
+    @Column(name = "starting_ledger_number")
+    private Integer startingLedgerNumber;
+
+    @Column(name = "ending_ledger_number")
+    private Integer endingLedgerNumber;
+
+    @Column(name = "current_ledger_number")
+    private Integer currentLedgerNumber;
+
+    @Column(name = "remittance_account_number")
+    private String remittanceAccountNumber;
+
+    @Column(name = "is_non_resident_indian_account")
+    private Boolean isNonResidentIndianAccount;
+
+    @Column(name = "debit_clearing_gl_account")
+    private String debitClearingGLAccount;
+
+    @Column(name = "missed_call_alert_service_active")
+    private Boolean missedCallAlertServiceActive;
+
+    @Column(name = "standing_instruction_charge_gl_account")
+    private String standingInstructionChargeGLAccount;
+
+    @Column(name = "standing_instruction_debit_charge_skip_option")
+    private String standingInstructionDebitChargeSkipOption;
+
+    @Column(name = "opening_balance_multiplier_for_remittance_charges")
+    private BigDecimal openingBalanceMultiplierForRemittanceCharges;
+
+    @Column(name = "gold_loan_packet_number_with_year_enabled")
+    private Boolean goldLoanPacketNumberWithYearEnabled;
+
+    @Column(name = "account_move_to_inoperative_enabled")
+    private Boolean accountMoveToInoperativeEnabled;
+
+    @Column(name = "generate_gl_diff_entry_enabled")
+    private Boolean generateGlDiffEntryEnabled;
+
+    @Column(name = "sub_type_wise_gl_balance_generation_enabled")
+    private Boolean subTypeWiseGlBalanceGenerationEnabled;
+
+    @Column(name = "validate_before_deleting_debit_entry_enabled")
+    private Boolean validateBeforeDeletingDebitEntryEnabled;
+
+    @Column(name = "rc_file_concept_enabled")
+    private Boolean rcFileConceptEnabled;
+
+    @Column(name = "account_close_zero_balance_in_open_day_process")
+    private Boolean accountCloseZeroBalanceInOpenDayProcess;
+
+    @Column(name = "account_close_zero_balance_at_subledger_tran_entry")
+    private Boolean accountCloseZeroBalanceAtSubledgerTranEntry;
+
+    @Column(name = "limit_enhancement_against_clearing_screen_display_enabled")
+    private Boolean limitEnhancementAgainstClearingScreenDisplayEnabled;
+
+    @Column(name = "advance_interest_parameter_in_ledger_enabled")
+    private Boolean advanceInterestParameterInLedgerEnabled;
+
+    @Column(name = "vehicle_detail_in_master_enabled")
+    private Boolean vehicleDetailInMasterEnabled;
+
+    @Column(name = "deleted_cheque_issue_enabled")
+    private Boolean deletedChequeIssueEnabled;
+
+    @Column(name = "dp_reduce_in_document_renewal_date_enabled")
+    private Boolean dpReduceInDocumentRenewalDateEnabled;
+
+    @Column(name = "dp_reduce_in_renewal_date_enabled")
+    private Boolean dpReduceInRenewalDateEnabled;
+
+    @Column(name = "auto_close_at_day_end_enabled")
+    private Boolean autoCloseAtDayEndEnabled;
+
+    @Column(name = "loan_rate_from_master_enabled")
+    private Boolean loanRateFromMasterEnabled;
+
+    @Column(name = "cheque_short_name")
+    private String chequeShortName;
+
+    @Column(name = "statement_print_enabled")
+    private Boolean statementPrintEnabled;
+
+    @Column(name = "nesl_code")
+    private String neslCode;
+
+    // ---- Interest Related Parameters (53) -------------------------------
+
+    @Column(name = "drawing_power_and_limit_generation_procedure")
+    private String drawingPowerAndLimitGenerationProcedure;
+
+    @Column(name = "advances_interest_calculation_method")
+    private String advancesInterestCalculationMethod;
+
+    @Column(name = "against_interest_calculation_enabled")
+    private Boolean againstInterestCalculationEnabled;
+
+    @Column(name = "day_wise_against_clearing_interest_rounding")
+    private Boolean dayWiseAgainstClearingInterestRounding;
+
+    @Column(name = "interest_calculation_one_fourth_method")
+    private String interestCalculationOneFourthMethod;
+
+    @Column(name = "against_clearing_interest_procedure_type")
+    private String againstClearingInterestProcedureType;
+
+    @Column(name = "consider_debit_closing_amount_for_against_clearing")
+    private Boolean considerDebitClosingAmountForAgainstClearing;
+
+    @Column(name = "interest_rounding_method")
+    private String interestRoundingMethod;
+
+    @Column(name = "penalty_interest_calculation_enabled")
+    private Boolean penaltyInterestCalculationEnabled;
+
+    @Column(name = "penalty_interest_calculation_method")
+    private String penaltyInterestCalculationMethod;
+
+    @Column(name = "penalty_interest_procedure_number")
+    private String penaltyInterestProcedureNumber;
+
+    @Column(name = "overdrawn_interest_calculation_method")
+    private String overdrawnInterestCalculationMethod;
+
+    @Column(name = "calculate_overdrawn_interest_after_renewal")
+    private Boolean calculateOverdrawnInterestAfterRenewal;
+
+    @Column(name = "interest_on_credit_balance")
+    private Boolean interestOnCreditBalance;
+
+    @Column(name = "penalty_interest_date_different_than_regular_interest")
+    private Boolean penaltyInterestDateDifferentThanRegularInterest;
+
+    @Column(name = "fixed_deposit_overdraft_certificate_sort_order")
+    private String fixedDepositOverdraftCertificateSortOrder;
+
+    @Column(name = "use_document_submission_date_for_interest")
+    private Boolean useDocumentSubmissionDateForInterest;
+
+    @Column(name = "loan_management_system_renewal_penalty_active")
+    private Boolean loanManagementSystemRenewalPenaltyActive;
+
+    @Column(name = "minimum_normal_interest_amount")
+    private BigDecimal minimumNormalInterestAmount;
+
+    @Column(name = "minimum_interest_calculation_method")
+    private String minimumInterestCalculationMethod;
+
+    @Column(name = "minimum_against_clearing_interest_amount")
+    private BigDecimal minimumAgainstClearingInterestAmount;
+
+    @Column(name = "limit_increase_upto_interest_amount_in_interest_calculation")
+    private Boolean limitIncreaseUptoInterestAmountInInterestCalculation;
+
+    @Column(name = "minimum_penalty_interest_amount")
+    private BigDecimal minimumPenaltyInterestAmount;
+
+    @Column(name = "days_for_limit_increase_upto_interest_amount")
+    private Integer daysForLimitIncreaseUptoInterestAmount;
+
+    @Column(name = "additional_interest_rate_for_fixed_deposit_overdraft")
+    private BigDecimal additionalInterestRateForFixedDepositOverdraft;
+
+    @Column(name = "consider_dd_payorder_in_against_clearing_interest_calculation")
+    private Boolean considerDdPayorderInAgainstClearingInterestCalculation;
+
+    @Column(name = "grace_days_after_renew_date")
+    private Integer graceDaysAfterRenewDate;
+
+    @Column(name = "apply_undebited_interest_concept_enabled")
+    private Boolean applyUndebitedInterestConceptEnabled;
+
+    @Column(name = "interest_register_print_format_type")
+    private String interestRegisterPrintFormatType;
+
+    @Column(name = "normal_grace_days_after_overdue")
+    private Integer normalGraceDaysAfterOverdue;
+
+    @Column(name = "allow_against_clearing_entry")
+    private Boolean allowAgainstClearingEntry;
+
+    @Column(name = "allow_no_balance_entry")
+    private Boolean allowNoBalanceEntry;
+
+    @Column(name = "fd_od_penalty_interest_combined_with_normal_interest")
+    private Boolean fixedDepositOverdraftPenaltyInterestCombinedWithNormalInterest;
+
+    @Column(name = "allow_no_balance_entry_with_password")
+    private Boolean allowNoBalanceEntryWithPassword;
+
+    @Column(name = "undebited_simple_interest_account_wise")
+    private Boolean undebitedSimpleInterestAccountWise;
+
+    @Column(name = "daily_interest_calculation_enabled")
+    private Boolean dailyInterestCalculationEnabled;
+
+    @Column(name = "daily_interest_calculation_start_date")
+    private String dailyInterestCalculationStartDate;
+
+    @Column(name = "non_performing_asset_penal_interest_rate_update")
+    private Boolean nonPerformingAssetPenalInterestRateUpdate;
+
+    @Column(name = "non_performing_asset_penal_interest_rate")
+    private BigDecimal nonPerformingAssetPenalInterestRate;
+
+    @Column(name = "fd_od_penal_interest_rate_update_in_branch_process")
+    private Boolean fixedDepositOverdraftPenalInterestRateUpdateInBranchProcess;
+
+    @Column(name = "add_penal_interest_rate")
+    private BigDecimal addPenalInterestRate;
+
+    @Column(name = "atyp14_simple_interest_enabled")
+    private Boolean atyp14SimpleInterestEnabled;
+
+    @Column(name = "fixed_deposit_overdraft_margin_type")
+    private String fixedDepositOverdraftMarginType;
+
+    @Column(name = "check_master_detail_edited_passing_pending_enabled")
+    private Boolean checkMasterDetailEditedPassingPendingEnabled;
+
+    @Column(name = "credit_debit_interest_calculation_separate_enabled")
+    private Boolean creditDebitInterestCalculationSeparateEnabled;
+
+    @Column(name = "on_time_interest_provision_enabled")
+    private Boolean onTimeInterestProvisionEnabled;
+
+    @Column(name = "check_against_clearing_enabled")
+    private Boolean checkAgainstClearingEnabled;
+
+    @Column(name = "gst_on_penalty_enabled")
+    private Boolean gstOnPenaltyEnabled;
+
+    @Column(name = "penalty_interest_grace_days")
+    private Integer penaltyInterestGraceDays;
+
+    @Column(name = "overdrawn_interest_rate")
+    private BigDecimal overdrawnInterestRate;
+
+    @Column(name = "calculate_daily_limit_enhancement_tod_enabled")
+    private Boolean calculateDailyLimitEnhancementTodEnabled;
+
+    @Column(name = "fixed_deposit_overdraft_multiple_interest_rate_enabled")
+    private Boolean fixedDepositOverdraftMultipleInterestRateEnabled;
+
+    @Column(name = "grace_days_after_overdue_for_moratorium")
+    private Integer graceDaysAfterOverdueForMoratorium;
+
+    // ---- Credit Bureau Settings (CIBIL) (8) ----------------------------
+
+    @Column(name = "cibil_account_type")
+    private String cibilAccountType;
+
+    @Column(name = "cibil_commercial_account_type")
+    private String cibilCommercialAccountType;
+
+    @Column(name = "highmark_account_type")
+    private String highmarkAccountType;
+
+    @Column(name = "highmark_commercial_account_type")
+    private String highmarkCommercialAccountType;
+
+    @Column(name = "experian_account_type")
+    private String experianAccountType;
+
+    @Column(name = "experian_commercial_account_type")
+    private String experianCommercialAccountType;
+
+    @Column(name = "equifax_account_type")
+    private String equifaxAccountType;
+
+    @Column(name = "equifax_commercial_account_type")
+    private String equifaxCommercialAccountType;
+
+    // ---- RBI Compliance & Product Category (6) -------------------------
+
+    @Column(name = "loan_product_category")
+    private String loanProductCategory;
+
+    @Column(name = "penal_charge_method")
+    private String penalChargeMethod;
+
+    @Column(name = "is_floating_rate")
+    private Boolean isFloatingRate;
+
+    @Column(name = "foreclosure_charges_applicable")
+    private Boolean foreclosureChargesApplicable;
+
+    @Column(name = "key_fact_statement_enabled")
+    private Boolean keyFactStatementEnabled;
+
+    @Column(name = "annual_percentage_rate_calculation_enabled")
+    private Boolean annualPercentageRateCalculationEnabled;
+
+    // ---- Channel & Transaction Limits (23) ------------------------------
+
+    @Column(name = "is_mobile_app_enabled")
+    private Boolean isMobileAppEnabled;
+
+    @Column(name = "is_atm_enabled")
+    private Boolean isAtmEnabled;
+
+    @Column(name = "atm_yearly_charge_enabled")
+    private Boolean atmYearlyChargeEnabled;
+
+    @Column(name = "atm_minimum_balance")
+    private BigDecimal atmMinimumBalance;
+
+    @Column(name = "email_active_enabled")
+    private Boolean emailActiveEnabled;
+
+    @Column(name = "is_imps_enabled")
+    private Boolean isImpsEnabled;
+
+    @Column(name = "is_upi_enabled")
+    private Boolean isUpiEnabled;
+
+    @Column(name = "is_pos_enabled")
+    private Boolean isPosEnabled;
+
+    @Column(name = "is_bbps_enabled")
+    private Boolean isBbpsEnabled;
+
+    @Column(name = "inter_bank_limit_per_day")
+    private BigDecimal interBankLimitPerDay;
+
+    @Column(name = "inter_bank_limit_per_transaction")
+    private BigDecimal interBankLimitPerTransaction;
+
+    @Column(name = "neft_rtgs_limit_per_day")
+    private BigDecimal neftRtgsLimitPerDay;
+
+    @Column(name = "neft_rtgs_limit_per_transaction")
+    private BigDecimal neftRtgsLimitPerTransaction;
+
+    @Column(name = "neft_cutoff_limit")
+    private BigDecimal neftCutoffLimit;
+
+    @Column(name = "rtgs_cutoff_limit")
+    private BigDecimal rtgsCutoffLimit;
+
+    @Column(name = "neft_rtgs_minimum_balance")
+    private BigDecimal neftRtgsMinimumBalance;
+
+    @Column(name = "is_charge_required_neft_rtgs_cbs")
+    private Boolean isChargeRequiredNeftRtgsCbs;
+
+    @Column(name = "is_charge_required_neft_rtgs_mobile")
+    private Boolean isChargeRequiredNeftRtgsMobile;
+
+    @Column(name = "imps_limit_per_day")
+    private BigDecimal impsLimitPerDay;
+
+    @Column(name = "imps_limit_per_transaction")
+    private BigDecimal impsLimitPerTransaction;
+
+    @Column(name = "imps_limit_per_month")
+    private BigDecimal impsLimitPerMonth;
+
+    @Column(name = "imps_min_limit")
+    private BigDecimal impsMinLimit;
+
+    @Column(name = "imps_monthly_transaction_count")
+    private Integer impsMonthlyTransactionCount;
+
+    // ---- POS Facility & ATM CSV Settings (10) ---------------------------
+
+    @Column(name = "max_per_transaction_limit_atm")
+    private BigDecimal maxPerTransactionLimitAtm;
+
+    @Column(name = "max_day_transaction_limit_atm")
+    private BigDecimal maxDayTransactionLimitAtm;
+
+    @Column(name = "max_per_transaction_limit_pos")
+    private BigDecimal maxPerTransactionLimitPos;
+
+    @Column(name = "max_day_transaction_limit_pos")
+    private BigDecimal maxDayTransactionLimitPos;
+
+    @Column(name = "max_per_transaction_limit_ecom")
+    private BigDecimal maxPerTransactionLimitEcom;
+
+    @Column(name = "max_day_transaction_limit_ecom")
+    private BigDecimal maxDayTransactionLimitEcom;
+
+    @Column(name = "max_per_transaction_limit_upi")
+    private BigDecimal maxPerTransactionLimitUpi;
+
+    @Column(name = "max_day_transaction_limit_upi")
+    private BigDecimal maxDayTransactionLimitUpi;
+
+    @Column(name = "atm_csv_product_code")
+    private String atmCsvProductCode;
+
+    @Column(name = "atm_csv_type_code")
+    private String atmCsvTypeCode;
+
+    // ---- Auto Interest Post Parameters (4) -----------------------------
+
+    @Column(name = "auto_interest_post_type")
+    private String autoInterestPostType;
+
+    @Column(name = "auto_interest_post_when")
+    private String autoInterestPostWhen;
+
+    @Column(name = "auto_interest_post_fix_day")
+    private Integer autoInterestPostFixDay;
+
+    @Column(name = "auto_last_interest_date")
+    private String autoLastInterestDate;
+
+    // ---- Foreclosure / Early Account Closure (3) -----------------------
+
+    @Column(name = "calculate_early_account_close_charge")
+    private Boolean calculateEarlyAccountCloseCharge;
+
+    @Column(name = "early_account_close_charge")
+    private BigDecimal earlyAccountCloseCharge;
+
+    @Column(name = "early_account_close_period_in_months")
+    private Integer earlyAccountClosePeriodInMonths;
+
+    // ---- Terms step (3) ------------------------------------------------
+
+    @Column(name = "debit_balance_allow")
+    private Boolean debitBalanceAllow;
+
+    @Column(name = "allow_debit_trans_after_due_date")
+    private Boolean allowDebitTransAfterDueDate;
+
+    @Column(name = "branch_level_account_type")
+    private Boolean branchLevelAccountType;
+
+    // ---- legacy cheque / standing instruction / minimum balance charges (24) 
+
+    @Column(name = "cheque_book_charge_enabled")
+    private Boolean chequeBookChargeEnabled;
+
+    @Column(name = "cheque_return_charge_enabled")
+    private Boolean chequeReturnChargeEnabled;
+
+    @Column(name = "ic_charge_debit_enabled")
+    private Boolean icChargeDebitEnabled;
+
+    @Column(name = "cash_bundle_charge_enabled")
+    private Boolean cashBundleChargeEnabled;
+
+    @Column(name = "cash_bundle_charge_with_pan_limit")
+    private BigDecimal cashBundleChargeWithPanLimit;
+
+    @Column(name = "per_cheque_entry_charge")
+    private BigDecimal perChequeEntryCharge;
+
+    @Column(name = "per_cheque_entry_service_charge")
+    private BigDecimal perChequeEntryServiceCharge;
+
+    @Column(name = "per_inward_cheque_entry_charge")
+    private BigDecimal perInwardChequeEntryCharge;
+
+    @Column(name = "per_outward_cheque_entry_charge")
+    private BigDecimal perOutwardChequeEntryCharge;
+
+    @Column(name = "creditor_standing_instruction_fail_charge")
+    private BigDecimal creditorStandingInstructionFailCharge;
+
+    @Column(name = "debtor_standing_instruction_fail_charge")
+    private BigDecimal debtorStandingInstructionFailCharge;
+
+    @Column(name = "minimum_balance_checking_type")
+    private String minimumBalanceCheckingType;
+
+    @Column(name = "auto_minimum_balance_charge")
+    private Boolean autoMinimumBalanceCharge;
+
+    @Column(name = "calculate_daily_minimum_balance_charges")
+    private Boolean calculateDailyMinimumBalanceCharges;
+
+    @Column(name = "minimum_balance_charge_enabled")
+    private Boolean minimumBalanceChargeEnabled;
+
+    @Column(name = "minimum_balance_charge_amount")
+    private BigDecimal minimumBalanceChargeAmount;
+
+    @Column(name = "minimum_balance_charge_for_cheque_issue")
+    private BigDecimal minimumBalanceChargeForChequeIssue;
+
+    @Column(name = "minimum_balance_charge_method")
+    private String minimumBalanceChargeMethod;
+
+    @Column(name = "months_after_min_balance_charge_calculate")
+    private Integer monthsAfterMinBalanceChargeCalculate;
+
+    @Column(name = "for_cheque_issue")
+    private BigDecimal forChequeIssue;
+
+    @Column(name = "for_cheque_issue_avg")
+    private BigDecimal forChequeIssueAvg;
+
+    @Column(name = "for_withdrawal_slip")
+    private BigDecimal forWithdrawalSlip;
+
+    @Column(name = "for_withdrawal_slip_avg")
+    private BigDecimal forWithdrawalSlipAvg;
+
+    @Column(name = "calculate_daily_against_clearing_charge")
+    private Boolean calculateDailyAgainstClearingCharge;
+
+    // ---- custom GL account mappings (14) --------------------------------
+
+    @Column(name = "int_receivables_gl_account_id")
+    private Long intReceivablesGlAccountId;
+
+    @Column(name = "int_payable_gl_account_id")
+    private Long intPayableGlAccountId;
+
+    @Column(name = "deaf_int_payable_gl_account_id")
+    private Long deafIntPayableGlAccountId;
+
+    @Column(name = "int_overdue_reserve_account_id")
+    private Long intOverdueReserveAccountId;
+
+    @Column(name = "undebited_interest_account_id")
+    private Long undebitedInterestAccountId;
+
+    @Column(name = "penal_int_cr_gl_account_id")
+    private Long penalIntCrGlAccountId;
+
+    @Column(name = "rd_matured_gl_account_id")
+    private Long rdMaturedGlAccountId;
+
+    @Column(name = "gl_account_id")
+    private Long glAccountId;
+
+    @Column(name = "ic_charge_gl_account_id")
+    private Long icChargeGlAccountId;
+
+    @Column(name = "inoperative_gl_account_id")
+    private Long inoperativeGlAccountId;
+
+    @Column(name = "credit_balance_liability_gl_account_id")
+    private Long creditBalanceLiabilityGlAccountId;
+
+    @Column(name = "credit_balance_asset_gl_account_id")
+    private Long creditBalanceAssetGlAccountId;
+
+    @Column(name = "overdue_accounts_gl_account_id")
+    private Long overdueAccountsGlAccountId;
+
+    @Column(name = "rebate_gl_account_id")
+    private Long rebateGlAccountId;
+
+    public LoanProductCbsExt(final LoanProduct loanProduct) {
+        this.loanProduct = loanProduct;
+        this.loanProductId = loanProduct.getId();
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductCbsExtRepository.java

@@ -0,0 +1,20 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanProductCbsExtRepository extends JpaRepository<LoanProductCbsExt, Long> {
+
+    /**
+     * A product created before this table existed - or one saved without any legacy field filled in - has
+     * no row here, so callers must handle the empty case rather than assuming one exists.
+     */
+    Optional<LoanProductCbsExt> findByLoanProductId(Long loanProductId);
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductCbsInterestRate.java

@@ -0,0 +1,82 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import jakarta.persistence.UniqueConstraint;
+import java.math.BigDecimal;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+
+/**
+ * One row of the legacy "Interest Rate Detail" grid on the loan product form.
+ *
+ * The grid is a fixed four rows - Normal Debit, Normal Credit, Against Clearing and Penalty - each
+ * carrying a Normal and a Special min/max rate plus the period they apply over. It is a child table
+ * rather than twenty-four columns on {@link LoanProductCbsExt} because the interest type reads far
+ * better as data than as part of a column name: against_clearing_special_max_rate and its siblings
+ * are almost unreadable, and any new interest type would mean another migration.
+ *
+ * The rows are fixed today, so {@link #INTEREST_TYPES} is the full set and the table carries a unique
+ * constraint on (product, interest type) - a replayed save updates in place instead of doubling the
+ * grid.
+ */
+@Entity
+@Getter
+@Setter
+@NoArgsConstructor
+@Table(name = "m_product_loan_cbs_interest_rate", uniqueConstraints = {
+        @UniqueConstraint(columnNames = { "loan_product_id", "interest_type" }, name = "mplcir_unq_product_interest_type") })
+public class LoanProductCbsInterestRate extends AbstractPersistableCustom<Long> {
+
+    /** The grid's rows, in the order the form shows them. */
+    public static final String[] INTEREST_TYPES = { "Normal Debit", "Normal Credit", "Against Clearing", "Penalty" };
+
+    @ManyToOne(fetch = FetchType.LAZY, optional = false)
+    @JoinColumn(name = "loan_product_id", nullable = false)
+    private LoanProduct loanProduct;
+
+    @Column(name = "interest_type", nullable = false, length = 30)
+    private String interestType;
+
+    @Column(name = "calculation")
+    private Boolean calculation;
+
+    @Column(name = "normal_min_rate", precision = 9, scale = 6)
+    private BigDecimal normalMinRate;
+
+    @Column(name = "normal_max_rate", precision = 9, scale = 6)
+    private BigDecimal normalMaxRate;
+
+    @Column(name = "special_min_rate", precision = 9, scale = 6)
+    private BigDecimal specialMinRate;
+
+    @Column(name = "special_max_rate", precision = 9, scale = 6)
+    private BigDecimal specialMaxRate;
+
+    @Column(name = "period", length = 20)
+    private String period;
+
+    public LoanProductCbsInterestRate(final LoanProduct loanProduct, final String interestType) {
+        this.loanProduct = loanProduct;
+        this.interestType = interestType;
+    }
+
+    /** True when the officer left this row untouched, so it need not be persisted. */
+    public boolean isEmpty() {
+        return !Boolean.TRUE.equals(this.calculation) && this.normalMinRate == null && this.normalMaxRate == null
+                && this.specialMinRate == null && this.specialMaxRate == null && (this.period == null || this.period.isBlank());
+    }
+}

fineract-loan/src/main/java/org/apache/fineract/portfolio/loanproduct/domain/LoanProductCbsInterestRateRepository.java

@@ -0,0 +1,18 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.apache.fineract.portfolio.loanproduct.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface LoanProductCbsInterestRateRepository extends JpaRepository<LoanProductCbsInterestRate, Long> {
+
+    List<LoanProductCbsInterestRate> findByLoanProductIdOrderById(Long loanProductId);
+
+    LoanProductCbsInterestRate findByLoanProductIdAndInterestType(Long loanProductId, String interestType);
+}

fineract-loan/src/main/resources/jpa/static-weaving/module/fineract-loan/persistence.xml

@@ -54,6 +54,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-progressive-loan/src/main/resources/jpa/static-weaving/module/fineract-progressive-loan/persistence.xml

@@ -54,6 +54,7 @@
         <class>org.apache.fineract.portfolio.group.domain.StaffAssignmentHistory</class>
         <class>org.apache.fineract.portfolio.group.domain.Group</class>
         <class>org.apache.fineract.portfolio.client.domain.Client</class>
+        <class>org.apache.fineract.portfolio.client.domain.ClientKyc</class>
         <class>org.apache.fineract.infrastructure.event.external.repository.domain.ExternalEventConfiguration</class>
         <class>org.apache.fineract.portfolio.group.domain.GroupRole</class>
         <class>org.apache.fineract.portfolio.paymenttype.domain.PaymentType</class>

fineract-provider/src/main/java/org/apache/fineract/accounting/dividendpaidreport/api/DividendPaidReportApiResource.java

@@ -0,0 +1,131 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.accounting.dividendpaidreport.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonArray;
+import com.google.gson.JsonObject;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.WebApplicationException;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.math.BigDecimal;
+import java.sql.Date;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * "Total Dividend Paid" report — derived entirely from the existing Dividend Payable GL
+ * account's debit-side journal entries, exactly how real-world CBS/UCB systems report this (a
+ * query over the ledger, not a separate "Dividend Paid" account). Dividend Payable is only ever
+ * debited by an actual member payout (see ShareAccountSchedularServiceImpl.postDividend — via
+ * the native DIVIDEND_PAYOUT savings transaction's accounting), so every debit entry against it
+ * is, by construction, a real dividend payment.
+ */
+@Path("/v1/accounting/dividend-paid-report")
+@Component
+@Tag(name = "Dividend Paid Report", description = "Total share dividend actually paid to members in a date range, derived from the Dividend Payable GL account's ledger.")
+@RequiredArgsConstructor
+public class DividendPaidReportApiResource {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new GsonBuilder().serializeNulls().setDateFormat("yyyy-MM-dd'T'HH:mm:ss").create();
+
+    private static final int FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS = 201;
+    private static final int JOURNAL_ENTRY_TYPE_DEBIT = 2;
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    public String getDividendPaidReport(@QueryParam("fromDate") final String fromDate, @QueryParam("toDate") final String toDate) {
+        if (fromDate == null || fromDate.isBlank() || toDate == null || toDate.isBlank()) {
+            throw apiError(400, "fromDate and toDate (yyyy-MM-dd) are both required");
+        }
+        final Date from;
+        final Date to;
+        try {
+            from = Date.valueOf(fromDate);
+            to = Date.valueOf(toDate);
+        } catch (final IllegalArgumentException e) {
+            throw apiError(400, "fromDate and toDate must be in yyyy-MM-dd format");
+        }
+
+        final Long payableDividendsAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS)
+                .stream().findFirst().orElse(null);
+
+        final JsonObject result = new JsonObject();
+        result.addProperty("fromDate", fromDate);
+        result.addProperty("toDate", toDate);
+        if (payableDividendsAccountId == null) {
+            // Dividend Payable hasn't been mapped under Accounting -> Financial Activity Mappings yet.
+            result.addProperty("totalPaid", BigDecimal.ZERO);
+            result.addProperty("payoutCount", 0);
+            result.add("entries", new JsonArray());
+            result.addProperty("glAccountConfigured", false);
+            return gson.toJson(result);
+        }
+
+        final Map<String, Object> totals = jdbcTemplate.queryForMap("""
+                SELECT COALESCE(SUM(amount), 0) AS total_paid, COUNT(*) AS payout_count
+                FROM acc_gl_journal_entry
+                WHERE account_id = ? AND type_enum = ? AND reversed = false AND entry_date BETWEEN ? AND ?
+                """, payableDividendsAccountId, JOURNAL_ENTRY_TYPE_DEBIT, from, to);
+
+        final List<Map<String, Object>> entryRows = jdbcTemplate.queryForList("""
+                SELECT entry_date, amount, transaction_id
+                FROM acc_gl_journal_entry
+                WHERE account_id = ? AND type_enum = ? AND reversed = false AND entry_date BETWEEN ? AND ?
+                ORDER BY entry_date DESC
+                """, payableDividendsAccountId, JOURNAL_ENTRY_TYPE_DEBIT, from, to);
+
+        result.addProperty("totalPaid", (BigDecimal) totals.get("total_paid"));
+        result.addProperty("payoutCount", ((Number) totals.get("payout_count")).intValue());
+        result.addProperty("glAccountConfigured", true);
+
+        final JsonArray entries = new JsonArray();
+        for (final Map<String, Object> row : entryRows) {
+            final JsonObject entry = new JsonObject();
+            entry.addProperty("entryDate", row.get("entry_date").toString());
+            entry.addProperty("amount", (BigDecimal) row.get("amount"));
+            entry.addProperty("transactionId", (String) row.get("transaction_id"));
+            entries.add(entry);
+        }
+        result.add("entries", entries);
+
+        return gson.toJson(result);
+    }
+
+    private WebApplicationException apiError(final int httpStatus, final String message) {
+        final JsonObject errorBody = new JsonObject();
+        errorBody.addProperty("message", message);
+        errorBody.addProperty("defaultUserMessage", message);
+        errorBody.addProperty("httpStatus", httpStatus);
+        return new WebApplicationException(
+                Response.status(httpStatus).entity(gson.toJson(errorBody)).type(MediaType.APPLICATION_JSON).build());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/AccountingProcessorHelper.java

@@ -1263,6 +1263,11 @@ public class AccountingProcessorHelper {
                     accountMapping = paymentChannelSpecificAccountMapping;
                 }
             }
+
+            if (accountMapping == null) {
+                throw new ProductToGLAccountMappingNotFoundException(PortfolioProductType.SAVING, savingsProductId,
+                        CashAccountsForSavings.fromInt(accountMappingTypeId).toString());
+            }
             glAccount = accountMapping.getGlAccount();
         }
         return glAccount;

fineract-provider/src/main/java/org/apache/fineract/accounting/profitandloss/api/ProfitAndLossApiResource.java

@@ -0,0 +1,98 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.accounting.profitandloss.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.WebApplicationException;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.math.BigDecimal;
+import java.sql.Date;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Real Profit & Loss (Net Profit) for a date range, computed live from posted General Ledger
+ * journal entries — not the demo/sample data shown by the GL Reports module. Used by the Share
+ * Dividend "Create Dividend" screen so a bank officer can see actual profit for the dividend
+ * period and set the dividend as a percentage of it, instead of typing a total amount blind.
+ *
+ * Standard double-entry rule: an Income account (classification_enum=4) increases with a CREDIT
+ * and decreases with a DEBIT; an Expense account (classification_enum=5) increases with a DEBIT
+ * and decreases with a CREDIT. Reversed entries are excluded.
+ */
+@Path("/v1/accounting/profitandloss")
+@Component
+@Tag(name = "Profit And Loss", description = "Real net profit for a date range, computed from posted GL journal entries.")
+@RequiredArgsConstructor
+public class ProfitAndLossApiResource {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new GsonBuilder().serializeNulls().create();
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    public String getProfitAndLoss(@QueryParam("fromDate") final String fromDate, @QueryParam("toDate") final String toDate) {
+        if (fromDate == null || fromDate.isBlank() || toDate == null || toDate.isBlank()) {
+            throw apiError(400, "fromDate and toDate (yyyy-MM-dd) are both required");
+        }
+        final Date from;
+        final Date to;
+        try {
+            from = Date.valueOf(fromDate);
+            to = Date.valueOf(toDate);
+        } catch (final IllegalArgumentException e) {
+            throw apiError(400, "fromDate and toDate must be in yyyy-MM-dd format");
+        }
+
+        final Map<String, Object> row = jdbcTemplate.queryForMap("""
+                SELECT
+                    COALESCE(SUM(CASE WHEN a.classification_enum = 4 AND je.type_enum = 1 THEN je.amount
+                                       WHEN a.classification_enum = 4 AND je.type_enum = 2 THEN -je.amount
+                                       ELSE 0 END), 0) AS total_income,
+                    COALESCE(SUM(CASE WHEN a.classification_enum = 5 AND je.type_enum = 2 THEN je.amount
+                                       WHEN a.classification_enum = 5 AND je.type_enum = 1 THEN -je.amount
+                                       ELSE 0 END), 0) AS total_expense
+                FROM acc_gl_journal_entry je
+                JOIN acc_gl_account a ON a.id = je.account_id
+                WHERE je.reversed = false
+                  AND je.entry_date BETWEEN ? AND ?
+                """, from, to);
+
+        final BigDecimal totalIncome = (BigDecimal) row.get("total_income");
+        final BigDecimal totalExpense = (BigDecimal) row.get("total_expense");
+        final BigDecimal netProfit = totalIncome.subtract(totalExpense);
+
+        return gson.toJson(Map.of("fromDate", fromDate, "toDate", toDate, "totalIncome", totalIncome, "totalExpense", totalExpense,
+                "netProfit", netProfit));
+    }
+
+    private WebApplicationException apiError(final int httpStatus, final String message) {
+        return new WebApplicationException(
+                Response.status(httpStatus).entity(gson.toJson(Map.of("message", message))).type(MediaType.APPLICATION_JSON).build());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/core/config/SecurityConfig.java

@@ -154,6 +154,11 @@ public class SecurityConfig {
                     // a Fineract Bearer token; security is enforced at the JWT envelope
                     // (signature + encryption) by ImpsJwtUtil / ImpsCryptoUtil inside the handler.
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/imps/**")).permitAll()
+                    // Client edit approval email open-tracking pixel — hit by the client's email client
+                    // loading a 1×1 <img> tag; no Fineract session available. The token in the URL
+                    // path is the only capability credential; the endpoint always returns a GIF so
+                    // token validity is not leaked via different HTTP responses.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/clients/edit/pixel/*")).permitAll()
                     // NPCI clearing-house receiver — the real, separate NPCI service pushes routed
                     // packages here without a Fineract Bearer token; security is enforced by the
                     // envelope's RSA signature/encryption (NpciCryptoUtil) inside the handler.

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/api/DatabaseExportApiResource.java

@@ -0,0 +1,114 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.infrastructure.databaseexport.api;
+
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.databaseexport.service.DatabaseExportService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/databaseexport")
+@Component
+@Tag(name = "Database Export", description = "Approval-gated full export of the tenant database.")
+@RequiredArgsConstructor
+public class DatabaseExportApiResource {
+
+    private final DatabaseExportService service;
+    private final FromJsonHelper fromJsonHelper;
+
+    @GET
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List export requests, optionally filtered by status")
+    public List<Map<String, Object>> retrieveAll(@QueryParam("status") @Parameter(description = "status") final String status) {
+        return this.service.retrieveAll(status);
+    }
+
+    @GET
+    @Path("{requestId}")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve a single export request")
+    public Map<String, Object> retrieveOne(@PathParam("requestId") final Long requestId) {
+        return this.service.retrieveOne(requestId);
+    }
+
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Raise a request for a full database export")
+    public Map<String, Object> requestExport(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final JsonElement element = this.fromJsonHelper.parse(apiRequestBodyAsJson);
+        final String reason = this.fromJsonHelper.extractStringNamed("reason", element);
+        final Long id = this.service.requestExport(reason);
+        return Map.of("resourceId", id);
+    }
+
+    @POST
+    @Path("{requestId}/approve")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Approve an export request (admin only, never the requester)")
+    public Map<String, Object> approve(@PathParam("requestId") final Long requestId) {
+        this.service.approve(requestId);
+        return Map.of("resourceId", requestId, "status", "APPROVED");
+    }
+
+    @POST
+    @Path("{requestId}/reject")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Reject an export request with a reason")
+    public Map<String, Object> reject(@PathParam("requestId") final Long requestId,
+            @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final JsonElement element = this.fromJsonHelper.parse(apiRequestBodyAsJson);
+        final JsonObject json = element == null ? new JsonObject() : element.getAsJsonObject();
+        final String reason = json.has("rejectionReason") && !json.get("rejectionReason").isJsonNull()
+                ? json.get("rejectionReason").getAsString()
+                : null;
+        this.service.reject(requestId, reason);
+        return Map.of("resourceId", requestId, "status", "REJECTED");
+    }
+
+    @GET
+    @Path("{requestId}/download")
+    @Produces({ "application/zip" })
+    @Operation(summary = "Download the approved export as a ZIP of CSV files")
+    public Response download(@PathParam("requestId") final Long requestId) {
+        final byte[] archive = this.service.generateExport(requestId);
+        return Response.ok(archive)
+                .header("Content-Disposition", "attachment; filename=\"cbsnexora-database-export.zip\"")
+                .header("Content-Length", archive.length)
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/domain/DatabaseExportRequest.java

@@ -0,0 +1,152 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.infrastructure.databaseexport.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+
+/**
+ * A request to take a full export of the tenant database. The export carries every client's personal, KYC and
+ * account data, so it is deliberately a two-person action: whoever asks for it cannot also approve it.
+ */
+@Entity
+@Table(name = "m_database_export_request")
+public class DatabaseExportRequest extends AbstractPersistableCustom<Long> {
+
+    public static final String STATUS_PENDING_APPROVAL = "PENDING_APPROVAL";
+    public static final String STATUS_APPROVED = "APPROVED";
+    public static final String STATUS_REJECTED = "REJECTED";
+    /** Approved and the dump has actually been downloaded at least once. */
+    public static final String STATUS_GENERATED = "GENERATED";
+
+    @Column(name = "status", length = 30, nullable = false)
+    private String status;
+
+    @Column(name = "reason", nullable = false)
+    private String reason;
+
+    @Column(name = "requested_by", nullable = false)
+    private Long requestedBy;
+
+    @Column(name = "requested_by_username", length = 100)
+    private String requestedByUsername;
+
+    @Column(name = "requested_on", nullable = false)
+    private LocalDateTime requestedOn;
+
+    @Column(name = "approved_by")
+    private Long approvedBy;
+
+    @Column(name = "approved_by_username", length = 100)
+    private String approvedByUsername;
+
+    @Column(name = "approved_on")
+    private LocalDateTime approvedOn;
+
+    @Column(name = "rejection_reason")
+    private String rejectionReason;
+
+    @Column(name = "generated_on")
+    private LocalDateTime generatedOn;
+
+    @Column(name = "generated_by")
+    private Long generatedBy;
+
+    @Column(name = "file_name", length = 255)
+    private String fileName;
+
+    @Column(name = "file_size_bytes")
+    private Long fileSizeBytes;
+
+    @Column(name = "row_count")
+    private Long rowCount;
+
+    protected DatabaseExportRequest() {
+        // Default constructor for JPA
+    }
+
+    private DatabaseExportRequest(final String reason, final Long requestedBy, final String requestedByUsername,
+            final LocalDateTime requestedOn) {
+        this.status = STATUS_PENDING_APPROVAL;
+        this.reason = reason;
+        this.requestedBy = requestedBy;
+        this.requestedByUsername = requestedByUsername;
+        this.requestedOn = requestedOn;
+    }
+
+    public static DatabaseExportRequest createNew(final String reason, final Long requestedBy, final String requestedByUsername,
+            final LocalDateTime requestedOn) {
+        return new DatabaseExportRequest(reason, requestedBy, requestedByUsername, requestedOn);
+    }
+
+    public String getStatus() {
+        return this.status;
+    }
+
+    public Long getRequestedBy() {
+        return this.requestedBy;
+    }
+
+    public boolean isPendingApproval() {
+        return STATUS_PENDING_APPROVAL.equals(this.status);
+    }
+
+    /**
+     * An approval buys exactly one download. Once the archive has been handed over the request is spent, and a
+     * second copy has to be asked for and approved again — so every copy of the database that exists outside
+     * the system can be traced back to an approval that was granted for it specifically.
+     */
+    public boolean isDownloadable() {
+        return STATUS_APPROVED.equals(this.status);
+    }
+
+    public boolean isAlreadyDownloaded() {
+        return STATUS_GENERATED.equals(this.status);
+    }
+
+    public void approve(final Long approvedBy, final String approvedByUsername, final LocalDateTime approvedOn) {
+        this.status = STATUS_APPROVED;
+        this.approvedBy = approvedBy;
+        this.approvedByUsername = approvedByUsername;
+        this.approvedOn = approvedOn;
+    }
+
+    public void reject(final Long approvedBy, final String approvedByUsername, final LocalDateTime approvedOn,
+            final String rejectionReason) {
+        this.status = STATUS_REJECTED;
+        this.approvedBy = approvedBy;
+        this.approvedByUsername = approvedByUsername;
+        this.approvedOn = approvedOn;
+        this.rejectionReason = rejectionReason;
+    }
+
+    /** Records that the dump actually left the system, which is the moment that matters for an audit. */
+    public void markGenerated(final Long generatedBy, final LocalDateTime generatedOn, final String fileName,
+            final Long fileSizeBytes, final Long rowCount) {
+        this.status = STATUS_GENERATED;
+        this.generatedBy = generatedBy;
+        this.generatedOn = generatedOn;
+        this.fileName = fileName;
+        this.fileSizeBytes = fileSizeBytes;
+        this.rowCount = rowCount;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/domain/DatabaseExportRequestRepository.java

@@ -0,0 +1,42 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.infrastructure.databaseexport.domain;
+
+import jakarta.persistence.LockModeType;
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Lock;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface DatabaseExportRequestRepository extends JpaRepository<DatabaseExportRequest, Long> {
+
+    List<DatabaseExportRequest> findByStatusOrderByIdDesc(String status);
+
+    long countByRequestedByAndStatus(Long requestedBy, String status);
+
+    /**
+     * An approval is worth exactly one download, so the row is locked while that single use is spent. Without
+     * the lock two concurrent calls could both read APPROVED and both walk away with a copy of the database.
+     */
+    @Lock(value = LockModeType.PESSIMISTIC_WRITE)
+    @Query("select request from DatabaseExportRequest request where request.id = :requestId")
+    Optional<DatabaseExportRequest> findByIdWithLock(@Param("requestId") Long requestId);
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/service/DatabaseExportService.java

@@ -0,0 +1,42 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.infrastructure.databaseexport.service;
+
+import java.util.List;
+import java.util.Map;
+
+/** Requesting, approving and generating a full export of the tenant database. */
+public interface DatabaseExportService {
+
+    Long requestExport(String reason);
+
+    List<Map<String, Object>> retrieveAll(String status);
+
+    Map<String, Object> retrieveOne(Long requestId);
+
+    void approve(Long requestId);
+
+    void reject(Long requestId, String rejectionReason);
+
+    /**
+     * Streams the approved export as a ZIP of CSV files, one per table. Only callable against a request that an
+     * admin has already approved.
+     */
+    byte[] generateExport(Long requestId);
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/service/DatabaseExportServiceImpl.java

@@ -0,0 +1,318 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.infrastructure.databaseexport.service;
+
+import java.io.ByteArrayOutputStream;
+import java.io.IOException;
+import java.nio.charset.StandardCharsets;
+import java.time.LocalDateTime;
+import java.time.format.DateTimeFormatter;
+import java.util.ArrayList;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.zip.ZipEntry;
+import java.util.zip.ZipOutputStream;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.databaseexport.domain.DatabaseExportRequest;
+import org.apache.fineract.infrastructure.databaseexport.domain.DatabaseExportRequestRepository;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Slf4j
+@Service
+@RequiredArgsConstructor
+public class DatabaseExportServiceImpl implements DatabaseExportService {
+
+    private static final String PERMISSION = "DATABASEEXPORT";
+    /** Guards against a runaway export: a single table beyond this is truncated rather than exhausting heap. */
+    private static final int MAX_ROWS_PER_TABLE = 200_000;
+
+    private final PlatformSecurityContext context;
+    private final DatabaseExportRequestRepository repository;
+    private final JdbcTemplate jdbcTemplate;
+
+    @Transactional
+    @Override
+    public Long requestExport(final String reason) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("CREATE_" + PERMISSION);
+
+        if (reason == null || reason.trim().length() < 10) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.reason.too.short",
+                    "A reason of at least 10 characters is required for a database export request.");
+        }
+
+        // One open request per user at a time, so a queue of forgotten requests cannot build up for an
+        // approver to rubber-stamp in bulk.
+        if (this.repository.countByRequestedByAndStatus(user.getId(), DatabaseExportRequest.STATUS_PENDING_APPROVAL) > 0) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.request.already.pending",
+                    "You already have a database export request awaiting approval.");
+        }
+
+        final DatabaseExportRequest request = DatabaseExportRequest.createNew(reason.trim(), user.getId(), user.getUsername(),
+                LocalDateTime.now());
+        this.repository.saveAndFlush(request);
+
+        log.warn("Database export requested by user {} ({}), request id {}", user.getUsername(), user.getId(), request.getId());
+        return request.getId();
+    }
+
+    @Override
+    public List<Map<String, Object>> retrieveAll(final String status) {
+        this.context.authenticatedUser().validateHasReadPermission(PERMISSION);
+
+        // Aliases are quoted because PostgreSQL folds unquoted identifiers to lower case, which would hand the
+        // client `requestedbyusername` and leave every camelCase field on the screen empty.
+        final StringBuilder sql = new StringBuilder("SELECT id, status, reason, requested_by AS \"requestedBy\", "
+                + "requested_by_username AS \"requestedByUsername\", requested_on AS \"requestedOn\", "
+                + "approved_by AS \"approvedBy\", approved_by_username AS \"approvedByUsername\", "
+                + "approved_on AS \"approvedOn\", rejection_reason AS \"rejectionReason\", "
+                + "generated_on AS \"generatedOn\", generated_by AS \"generatedBy\", file_name AS \"fileName\", "
+                + "file_size_bytes AS \"fileSizeBytes\", row_count AS \"rowCount\" "
+                + "FROM m_database_export_request ");
+
+        if (status != null && !status.trim().isEmpty()) {
+            sql.append("WHERE status = ? ORDER BY id DESC");
+            return this.jdbcTemplate.queryForList(sql.toString(), status.trim().toUpperCase());
+        }
+        sql.append("ORDER BY id DESC");
+        return this.jdbcTemplate.queryForList(sql.toString());
+    }
+
+    @Override
+    public Map<String, Object> retrieveOne(final Long requestId) {
+        this.context.authenticatedUser().validateHasReadPermission(PERMISSION);
+        final List<Map<String, Object>> rows = this.jdbcTemplate.queryForList(
+                "SELECT id, status, reason, requested_by AS \"requestedBy\", "
+                        + "requested_by_username AS \"requestedByUsername\", requested_on AS \"requestedOn\", "
+                        + "approved_by_username AS \"approvedByUsername\", approved_on AS \"approvedOn\", "
+                        + "rejection_reason AS \"rejectionReason\", generated_on AS \"generatedOn\", "
+                        + "file_name AS \"fileName\", file_size_bytes AS \"fileSizeBytes\", row_count AS \"rowCount\" "
+                        + "FROM m_database_export_request WHERE id = ?",
+                requestId);
+        if (rows.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.not.found", "Export request not found.");
+        }
+        return rows.get(0);
+    }
+
+    @Transactional
+    @Override
+    public void approve(final Long requestId) {
+        final AppUser approver = this.context.authenticatedUser();
+        approver.validateHasPermissionTo("APPROVE_" + PERMISSION);
+
+        final DatabaseExportRequest request = findOneOrThrow(requestId);
+        validatePending(request);
+        validateNotSelfApproval(request, approver);
+
+        request.approve(approver.getId(), approver.getUsername(), LocalDateTime.now());
+        this.repository.saveAndFlush(request);
+
+        log.warn("Database export request {} approved by {} ({})", requestId, approver.getUsername(), approver.getId());
+    }
+
+    @Transactional
+    @Override
+    public void reject(final Long requestId, final String rejectionReason) {
+        final AppUser approver = this.context.authenticatedUser();
+        approver.validateHasPermissionTo("APPROVE_" + PERMISSION);
+
+        final DatabaseExportRequest request = findOneOrThrow(requestId);
+        validatePending(request);
+
+        if (rejectionReason == null || rejectionReason.trim().isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.rejection.reason.required",
+                    "A reason is required when rejecting a database export request.");
+        }
+
+        request.reject(approver.getId(), approver.getUsername(), LocalDateTime.now(), rejectionReason.trim());
+        this.repository.saveAndFlush(request);
+    }
+
+    @Transactional
+    @Override
+    public byte[] generateExport(final Long requestId) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("DOWNLOAD_" + PERMISSION);
+
+        // Locked for the duration of the transaction: the approval is worth one download, and two concurrent
+        // calls must not both find it unspent.
+        final DatabaseExportRequest request = this.repository.findByIdWithLock(requestId)
+                .orElseThrow(() -> new PlatformDataIntegrityException("error.msg.databaseexport.not.found",
+                        "Export request not found."));
+        // Checked before ownership so the requester coming back for a second copy gets told why, rather than
+        // being turned away with a message about approval that no longer describes their situation.
+        if (request.isAlreadyDownloaded()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.already.downloaded",
+                    "This export has already been downloaded. Raise a new request to take another copy.");
+        }
+        if (!request.isDownloadable()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.not.approved",
+                    "This export request has not been approved. Current status: " + request.getStatus() + ".");
+        }
+        validateIsRequester(request, user);
+
+        final List<String> tables = listTenantTables();
+        long totalRows = 0;
+
+        final ByteArrayOutputStream buffer = new ByteArrayOutputStream();
+        try (ZipOutputStream zip = new ZipOutputStream(buffer, StandardCharsets.UTF_8)) {
+            for (final String table : tables) {
+                try {
+                    totalRows += writeTableAsCsv(zip, table);
+                } catch (final Exception e) {
+                    // One unreadable table (a view, a permissions quirk) must not abandon the whole export.
+                    log.error("Database export: skipping table {} — {}", table, e.getMessage());
+                }
+            }
+            writeManifest(zip, request, tables, totalRows, user);
+        } catch (final IOException e) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.generation.failed",
+                    "Failed to generate the database export: " + e.getMessage());
+        }
+
+        final byte[] archive = buffer.toByteArray();
+        final String fileName = "cbsnexora-export-" + DateTimeFormatter.ofPattern("yyyyMMdd-HHmmss").format(LocalDateTime.now())
+                + ".zip";
+
+        request.markGenerated(user.getId(), LocalDateTime.now(), fileName, (long) archive.length, totalRows);
+        this.repository.saveAndFlush(request);
+
+        log.warn("Database export request {} downloaded by {} ({}) — {} tables, {} rows, {} bytes", requestId, user.getUsername(),
+                user.getId(), tables.size(), totalRows, archive.length);
+        return archive;
+    }
+
+    private List<String> listTenantTables() {
+        return this.jdbcTemplate.queryForList("SELECT table_name FROM information_schema.tables "
+                + "WHERE table_schema = current_schema() AND table_type = 'BASE TABLE' ORDER BY table_name", String.class);
+    }
+
+    /** Writes one table as a CSV entry and returns how many rows it contained. */
+    private long writeTableAsCsv(final ZipOutputStream zip, final String table) throws IOException {
+        // The table name comes from information_schema, never from user input, so it cannot carry injection.
+        final List<Map<String, Object>> rows = this.jdbcTemplate
+                .queryForList("SELECT * FROM \"" + table + "\" LIMIT " + MAX_ROWS_PER_TABLE);
+
+        zip.putNextEntry(new ZipEntry("data/" + table + ".csv"));
+        if (rows.isEmpty()) {
+            // Still emit the header so an empty table is visibly empty rather than missing.
+            final List<String> columns = this.jdbcTemplate.queryForList("SELECT column_name FROM information_schema.columns "
+                    + "WHERE table_schema = current_schema() AND table_name = ? ORDER BY ordinal_position", String.class, table);
+            zip.write(String.join(",", columns).getBytes(StandardCharsets.UTF_8));
+            zip.write('\n');
+            zip.closeEntry();
+            return 0;
+        }
+
+        final List<String> columns = new ArrayList<>(rows.get(0).keySet());
+        zip.write(String.join(",", columns).getBytes(StandardCharsets.UTF_8));
+        zip.write('\n');
+
+        for (final Map<String, Object> row : rows) {
+            final StringBuilder line = new StringBuilder();
+            for (int i = 0; i < columns.size(); i++) {
+                if (i > 0) {
+                    line.append(',');
+                }
+                line.append(csvEscape(row.get(columns.get(i))));
+            }
+            line.append('\n');
+            zip.write(line.toString().getBytes(StandardCharsets.UTF_8));
+        }
+        zip.closeEntry();
+        return rows.size();
+    }
+
+    /** Records who authorised the export inside the archive, so the file carries its own provenance. */
+    private void writeManifest(final ZipOutputStream zip, final DatabaseExportRequest request, final List<String> tables,
+            final long totalRows, final AppUser downloadedBy) throws IOException {
+        final Map<String, Object> details = retrieveOne(request.getId());
+        final StringBuilder manifest = new StringBuilder();
+        manifest.append("CBSNexora — Full Database Export\n");
+        manifest.append("=================================\n\n");
+        manifest.append("CONFIDENTIAL. This archive contains customer personal, KYC and account data.\n");
+        manifest.append("Handle under your institution's data protection policy.\n\n");
+        manifest.append("Request ID      : ").append(request.getId()).append('\n');
+        manifest.append("Requested by    : ").append(details.get("requestedByUsername")).append('\n');
+        manifest.append("Requested on    : ").append(details.get("requestedOn")).append('\n');
+        manifest.append("Reason          : ").append(details.get("reason")).append('\n');
+        manifest.append("Approved by     : ").append(details.get("approvedByUsername")).append('\n');
+        manifest.append("Approved on     : ").append(details.get("approvedOn")).append('\n');
+        manifest.append("Downloaded by   : ").append(downloadedBy.getUsername()).append('\n');
+        manifest.append("Downloaded on   : ").append(LocalDateTime.now()).append('\n');
+        manifest.append("Tables exported : ").append(tables.size()).append('\n');
+        manifest.append("Rows exported   : ").append(totalRows).append('\n');
+        manifest.append("Row cap / table : ").append(MAX_ROWS_PER_TABLE).append('\n');
+
+        zip.putNextEntry(new ZipEntry("MANIFEST.txt"));
+        zip.write(manifest.toString().getBytes(StandardCharsets.UTF_8));
+        zip.closeEntry();
+    }
+
+    private String csvEscape(final Object value) {
+        if (value == null) {
+            return "";
+        }
+        final String text = String.valueOf(value);
+        if (text.indexOf(',') >= 0 || text.indexOf('"') >= 0 || text.indexOf('\n') >= 0 || text.indexOf('\r') >= 0) {
+            return '"' + text.replace("\"", "\"\"") + '"';
+        }
+        return text;
+    }
+
+    private DatabaseExportRequest findOneOrThrow(final Long requestId) {
+        return this.repository.findById(requestId).orElseThrow(() -> new PlatformDataIntegrityException(
+                "error.msg.databaseexport.not.found", "Export request not found."));
+    }
+
+    private void validatePending(final DatabaseExportRequest request) {
+        if (!request.isPendingApproval()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.already.actioned",
+                    "This request has already been actioned. Current status: " + request.getStatus() + ".");
+        }
+    }
+
+    /**
+     * The archive goes to the person who asked for it and stated the reason, and to nobody else. An approver
+     * authorises the export; that is not the same as being entitled to take a copy of it, and letting the
+     * approver download would collapse the two-person control back into one.
+     */
+    private void validateIsRequester(final DatabaseExportRequest request, final AppUser user) {
+        if (!user.getId().equals(request.getRequestedBy())) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.not.requester",
+                    "Only the user who raised this export request can download the archive.");
+        }
+    }
+
+    /** The entire control is that two different people are involved, so this is the check that enforces it. */
+    private void validateNotSelfApproval(final DatabaseExportRequest request, final AppUser approver) {
+        if (approver.getId().equals(request.getRequestedBy())) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.self.approval",
+                    "A database export cannot be approved by the same user who requested it.");
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/accounts/constants/ShareAccountApiConstants.java

@@ -102,12 +102,23 @@ public interface ShareAccountApiConstants {
 
     String shareEntityType = "share";
 
+    /** Required on a redeem-shares (withdrawal) request — Board Resolution Number and Date of
+     *  Meeting authorising the withdrawal (cooperative-sector share capital governance). */
+    String redeemresolutionnumber_paramname = "resolutionNumber";
+
+    String redeemmeetingdate_paramname = "meetingDate";
+
+    /** Loan this share account is held as margin/security against — optional, set via the
+     *  account update command. When present, a redeem request is checked against the loan's
+     *  outstanding balance. */
+    String linkedloanid_paramname = "linkedLoanId";
+
     Set<String> supportedParameters = Collections.unmodifiableSet(new HashSet<>(Arrays.asList(locale_paramname, dateformat_paramname,
             id_paramname, clientid_paramname, productid_paramname, submitteddate_paramname, approveddate_paramname, externalid_paramname,
             resolutionnumber_paramname, currency_paramname, digitsafterdecimal_paramname, inmultiplesof_paramname,
             requestedshares_paramname, savingsaccountid_paramname, lockinperiod_paramname, lockperiodfrequencytype_paramname,
             minimumactiveperiod_paramname, minimumactiveperiodfrequencytype_paramname,
             allowdividendcalculationforinactiveclients_paramname, charges_paramname, applicationdate_param, purchaseddate_paramname,
-            numberofshares_paramname, purchasedprice_paramname)));
+            numberofshares_paramname, purchasedprice_paramname, linkedloanid_paramname)));
 
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AlertReviewRequest.java

@@ -0,0 +1,33 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/** Request body for {@code POST /v1/aml/alerts/{id}/review}. {@code disposition}: WHITELIST | ESCALATE. */
+@Getter
+@Setter
+@NoArgsConstructor
+public class AlertReviewRequest {
+
+    private String disposition;
+    private String notes;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AmlAlertApiResource.java

@@ -0,0 +1,107 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.data.AmlAlertData;
+import org.apache.fineract.portfolio.aml.data.ManualReferralData;
+import org.apache.fineract.portfolio.aml.service.AmlAlertReadPlatformService;
+import org.apache.fineract.portfolio.aml.service.AmlAlertWritePlatformService;
+import org.apache.fineract.portfolio.aml.service.JournalEntryReferralService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/aml/alerts")
+@Component
+@Tag(name = "AML Alerts", description = "Live transaction-monitoring alerts raised by the AML rule engine against savings, loan and fund-transfer activity.")
+@RequiredArgsConstructor
+public class AmlAlertApiResource {
+
+    private final PlatformSecurityContext context;
+    private final AmlAlertReadPlatformService readPlatformService;
+    private final AmlAlertWritePlatformService writePlatformService;
+    private final JournalEntryReferralService referralService;
+    private final DefaultToApiJsonSerializer<AmlAlertData> toApiJsonSerializer;
+    private final DefaultToApiJsonSerializer<ManualReferralData> referralJsonSerializer;
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List AML alerts",
+            description = "Optionally filter by status via ?status= : RAISED, UNDER_REVIEW, WHITELISTED, ESCALATED.")
+    public String retrieveAll(@QueryParam("status") final String status) {
+        this.context.authenticatedUser();
+        final List<AmlAlertData> alerts = this.readPlatformService.retrieve(status);
+        return this.toApiJsonSerializer.serialize(alerts);
+    }
+
+    @POST
+    @Path("{alertId}/review")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "AML Officer first-level review of an alert",
+            description = "disposition WHITELIST closes the alert as a false positive; ESCALATE creates an STR case for Principal Officer review.")
+    public String review(@PathParam("alertId") final Long alertId, final AlertReviewRequest request) {
+        this.context.authenticatedUser().validateHasPermissionTo("REVIEW_AML_ALERT");
+        if ("ESCALATE".equalsIgnoreCase(request.getDisposition())) {
+            this.writePlatformService.escalate(alertId, request.getNotes());
+        } else {
+            this.writePlatformService.whitelist(alertId, request.getNotes());
+        }
+        final AmlAlertData updated = this.readPlatformService.retrieve(null).stream().filter(a -> a.id().equals(alertId)).findFirst()
+                .orElse(null);
+        return this.toApiJsonSerializer.serialize(updated);
+    }
+
+    @GET
+    @Path("manual-referrals")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List ledger entries marked by a user",
+            description = "Every entry marked cleared or suspicious from the general ledger screen, keyed on journalEntryId so the ledger can show what has already been dealt with.")
+    public String retrieveManualReferrals() {
+        this.context.authenticatedUser();
+        return this.referralJsonSerializer.serialize(this.referralService.retrieveAll());
+    }
+
+    @POST
+    @Path("manual-referral")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Mark a ledger entry cleared or suspicious",
+            description = "WHITELIST clears the entry with no report. ESCALATE raises an alert against the MANUAL_REFERRAL rule and escalates it, so an STR case opens for the Principal Officer exactly as an engine alert would. The entry must have a customer behind it.")
+    public String referJournalEntry(final ManualReferralRequest request) {
+        this.context.authenticatedUser().validateHasPermissionTo("REVIEW_AML_ALERT");
+        final ManualReferralData referral = this.referralService.refer(request.getJournalEntryId(), request.getDisposition(),
+                request.getNotes());
+        return this.referralJsonSerializer.serialize(referral);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AmlCtrReportApiResource.java

@@ -0,0 +1,72 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.time.YearMonth;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.data.AmlCtrReportData;
+import org.apache.fineract.portfolio.aml.service.AmlCtrReportGenerationService;
+import org.apache.fineract.portfolio.aml.service.AmlCtrReportReadPlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/aml/ctr-reports")
+@Component
+@Tag(name = "AML CTR Reports",
+        description = "Monthly, mechanical Cash Transaction Reports - threshold-based, no Principal Officer judgment involved.")
+@RequiredArgsConstructor
+public class AmlCtrReportApiResource {
+
+    private final PlatformSecurityContext context;
+    private final AmlCtrReportReadPlatformService readPlatformService;
+    private final AmlCtrReportGenerationService generationService;
+    private final DefaultToApiJsonSerializer<AmlCtrReportData> toApiJsonSerializer;
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List generated CTR reports")
+    public String retrieveAll() {
+        this.context.authenticatedUser();
+        final List<AmlCtrReportData> reports = this.readPlatformService.retrieveAll();
+        return this.toApiJsonSerializer.serialize(reports);
+    }
+
+    @POST
+    @Path("generate")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Generate the CTR report for a month", description = "month format: yyyy-MM. Idempotent - fails if already generated.")
+    public String generate(final CtrGenerateRequest request) {
+        this.context.authenticatedUser().validateHasPermissionTo("REVIEW_AML_ALERT");
+        final YearMonth month = YearMonth.parse(request.getMonth());
+        this.generationService.generateForMonth(month);
+        return this.toApiJsonSerializer.serialize(this.readPlatformService.retrieveAll());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AmlRecurringAlertApiResource.java

@@ -0,0 +1,82 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.DefaultValue;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.data.AmlRecurringAlertData;
+import org.apache.fineract.portfolio.aml.service.AmlRecurringAlertReadPlatformService;
+import org.apache.fineract.portfolio.aml.service.AmlRecurringAlertWritePlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/aml/recurring-alerts")
+@Component
+@Tag(name = "AML Recurring Alerts",
+        description = "Customers whose transactions repeatedly trip the AML engine, queued for an employee to review why.")
+@RequiredArgsConstructor
+public class AmlRecurringAlertApiResource {
+
+    private final PlatformSecurityContext context;
+    private final AmlRecurringAlertReadPlatformService readPlatformService;
+    private final AmlRecurringAlertWritePlatformService writePlatformService;
+    private final DefaultToApiJsonSerializer<AmlRecurringAlertData> toApiJsonSerializer;
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve the recurring-alert review queue",
+            description = "Customers with at least minAlerts engine alerts inside the last windowDays, worst first. "
+                    + "Each row carries the triggering transactions so the reviewer can see why the customer keeps surfacing.")
+    public String retrieveRecurringAlerts(
+            @QueryParam("minAlerts") @DefaultValue("3") final int minAlerts,
+            @QueryParam("windowDays") @DefaultValue("90") final int windowDays,
+            @QueryParam("onlyNeedingReview") @DefaultValue("false") final boolean onlyNeedingReview) {
+        this.context.authenticatedUser();
+        final List<AmlRecurringAlertData> rows = this.readPlatformService.retrieve(Math.max(minAlerts, 2), Math.max(windowDays, 1),
+                onlyNeedingReview);
+        return this.toApiJsonSerializer.serialize(rows);
+    }
+
+    @POST
+    @Path("{clientId}/review")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Record a review of a customer's repeated AML activity",
+            description = "outcome is CLEARED, MONITOR or ESCALATED. The customer leaves the queue until their alert "
+                    + "count grows beyond the count reviewed here.")
+    public String review(@PathParam("clientId") final Long clientId, final AmlRecurringReviewRequest request) {
+        this.context.authenticatedUser().validateHasPermissionTo("REVIEW_AML_ALERT");
+        final Long reviewId = this.writePlatformService.recordReview(clientId, request.getOutcome(), request.getNotes(),
+                request.getWindowDays() == null ? 0 : request.getWindowDays());
+        return "{\"clientId\":" + clientId + ",\"reviewId\":" + reviewId + "}";
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AmlRecurringReviewRequest.java

@@ -0,0 +1,42 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/** Request body for {@code POST /v1/aml/recurring-alerts/{clientId}/review}. */
+@Getter
+@Setter
+@NoArgsConstructor
+public class AmlRecurringReviewRequest {
+
+    @Schema(description = "CLEARED, MONITOR or ESCALATED", requiredMode = Schema.RequiredMode.REQUIRED, example = "MONITOR")
+    private String outcome;
+
+    @Schema(description = "Why the customer keeps surfacing and what was decided",
+            requiredMode = Schema.RequiredMode.REQUIRED)
+    private String notes;
+
+    @Schema(description = "Observation window the reviewer had on screen, so the recorded alert count matches it",
+            example = "90")
+    private Integer windowDays;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AmlStrCaseApiResource.java

@@ -0,0 +1,118 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.data.AmlStrCaseData;
+import org.apache.fineract.portfolio.aml.domain.AmlStrConclusion;
+import org.apache.fineract.portfolio.aml.service.AmlStrCaseReadPlatformService;
+import org.apache.fineract.portfolio.aml.service.AmlStrCaseWritePlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/aml/str-cases")
+@Component
+@Tag(name = "AML STR Cases",
+        description = "Principal-Officer-only investigation and conclusion of escalated AML alerts, and STR filing to FIU-IND.")
+@RequiredArgsConstructor
+public class AmlStrCaseApiResource {
+
+    private final PlatformSecurityContext context;
+    private final AmlStrCaseReadPlatformService readPlatformService;
+    private final AmlStrCaseWritePlatformService writePlatformService;
+    private final DefaultToApiJsonSerializer<AmlStrCaseData> toApiJsonSerializer;
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List AML STR cases")
+    public String retrieveAll() {
+        this.context.authenticatedUser();
+        final List<AmlStrCaseData> cases = this.readPlatformService.retrieveAll();
+        return this.toApiJsonSerializer.serialize(cases);
+    }
+
+    @GET
+    @Path("{strCaseId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve one AML STR case")
+    public String retrieveOne(@PathParam("strCaseId") final Long strCaseId) {
+        this.context.authenticatedUser();
+        return this.toApiJsonSerializer.serialize(this.readPlatformService.retrieveOne(strCaseId));
+    }
+
+    @GET
+    @Path("weekly-digest")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Internal MIS digest of STR cases concluded suspicious in the last 7 days",
+            description = "For compliance tracking only - does not replace each case's own 7-working-day FIU filing deadline.")
+    public String weeklyDigest() {
+        this.context.authenticatedUser();
+        final List<AmlStrCaseData> digest = this.readPlatformService.weeklyDigest();
+        return this.toApiJsonSerializer.serialize(digest);
+    }
+
+    @POST
+    @Path("{strCaseId}/assign")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Assign a Principal Officer to an STR case")
+    public String assign(@PathParam("strCaseId") final Long strCaseId, final StrCaseAssignRequest request) {
+        this.context.authenticatedUser().validateHasPermissionTo("CONCLUDE_AML_STR");
+        this.writePlatformService.assignPrincipalOfficer(strCaseId, request.getPrincipalOfficerUserId());
+        return this.toApiJsonSerializer.serialize(this.readPlatformService.retrieveOne(strCaseId));
+    }
+
+    @POST
+    @Path("{strCaseId}/conclude")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Principal Officer conclusion",
+            description = "conclusion NOT_SUSPICIOUS closes the case; SUSPICIOUS sets the 7-working-day FIU filing due date starting today.")
+    public String conclude(@PathParam("strCaseId") final Long strCaseId, final StrCaseConcludeRequest request) {
+        this.context.authenticatedUser().validateHasPermissionTo("CONCLUDE_AML_STR");
+        final AmlStrConclusion conclusion = AmlStrConclusion.valueOf(request.getConclusion());
+        this.writePlatformService.conclude(strCaseId, conclusion, request.getInvestigationNotes(), request.getSourceOfFundsNotes());
+        return this.toApiJsonSerializer.serialize(this.readPlatformService.retrieveOne(strCaseId));
+    }
+
+    @POST
+    @Path("{strCaseId}/file")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Record that the STR has been filed with FIU-IND")
+    public String fileStr(@PathParam("strCaseId") final Long strCaseId, final StrCaseFileRequest request) {
+        this.context.authenticatedUser().validateHasPermissionTo("CONCLUDE_AML_STR");
+        this.writePlatformService.fileStr(strCaseId, request.getReferenceNo());
+        return this.toApiJsonSerializer.serialize(this.readPlatformService.retrieveOne(strCaseId));
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/ClientRiskCategoryHistoryApiResource.java

@@ -0,0 +1,57 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.data.ClientRiskCategoryHistoryData;
+import org.apache.fineract.portfolio.aml.service.ClientRiskCategoryHistoryReadPlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/clients/{clientId}/risk-category-history")
+@Component
+@Tag(name = "Client Risk Category History",
+        description = "Audit trail of a client's KYC risk-category changes, including automatic escalation after repeated AML STR cases.")
+@RequiredArgsConstructor
+public class ClientRiskCategoryHistoryApiResource {
+
+    private final PlatformSecurityContext context;
+    private final ClientRiskCategoryHistoryReadPlatformService readPlatformService;
+    private final DefaultToApiJsonSerializer<ClientRiskCategoryHistoryData> toApiJsonSerializer;
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve a client's risk-category change history")
+    public String retrieveForClient(@PathParam("clientId") final Long clientId) {
+        this.context.authenticatedUser();
+        final List<ClientRiskCategoryHistoryData> history = this.readPlatformService.retrieveForClient(clientId);
+        return this.toApiJsonSerializer.serialize(history);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/CtrGenerateRequest.java

@@ -0,0 +1,32 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/** Request body for {@code POST /v1/aml/ctr-reports/generate}. {@code month} format: yyyy-MM. */
+@Getter
+@Setter
+@NoArgsConstructor
+public class CtrGenerateRequest {
+
+    private String month;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/ManualReferralRequest.java

@@ -0,0 +1,39 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/**
+ * Request body for {@code POST /v1/aml/alerts/manual-referral}.
+ *
+ * {@code journalEntryId} is acc_gl_journal_entry.id as shown in the ledger. {@code disposition} is WHITELIST (cleared,
+ * no report) or ESCALATE (raises an STR case for the Principal Officer).
+ */
+@Getter
+@Setter
+@NoArgsConstructor
+public class ManualReferralRequest {
+
+    private Long journalEntryId;
+    private String disposition;
+    private String notes;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/StrCaseAssignRequest.java

@@ -0,0 +1,32 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/** Request body for {@code POST /v1/aml/str-cases/{id}/assign}. */
+@Getter
+@Setter
+@NoArgsConstructor
+public class StrCaseAssignRequest {
+
+    private Long principalOfficerUserId;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/StrCaseConcludeRequest.java

@@ -0,0 +1,34 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/** Request body for {@code POST /v1/aml/str-cases/{id}/conclude}. {@code conclusion}: NOT_SUSPICIOUS | SUSPICIOUS. */
+@Getter
+@Setter
+@NoArgsConstructor
+public class StrCaseConcludeRequest {
+
+    private String conclusion;
+    private String investigationNotes;
+    private String sourceOfFundsNotes;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/StrCaseFileRequest.java

@@ -0,0 +1,32 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.api;
+
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/** Request body for {@code POST /v1/aml/str-cases/{id}/file}. */
+@Getter
+@Setter
+@NoArgsConstructor
+public class StrCaseFileRequest {
+
+    private String referenceNo;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlAlertData.java

@@ -0,0 +1,35 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * @param riskCategory
+ *            severity of the rule that fired (1 Low, 2 Medium, 3 High), taken from the originating
+ *            {@code m_client_risk_rule} entry via {@code source_client_risk_rule_id}. Null for rules with no catalog
+ *            ancestor — MANUAL_REFERRAL is raised by a user, not derived from the rule set, so it carries no severity.
+ */
+public record AmlAlertData(Long id, String transactionType, Long transactionId, Long clientId, String clientDisplayName,
+        String ruleCode, String ruleDescription, BigDecimal amount, String currencyCode, LocalDateTime raisedOn, String status,
+        String reviewedByUsername, LocalDateTime reviewedOn, String reviewNotes, String disposition, Integer riskCategory)
+        implements Serializable {
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlCtrReportData.java

@@ -0,0 +1,26 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.data;
+
+import java.io.Serializable;
+import java.time.LocalDateTime;
+
+public record AmlCtrReportData(Long id, String reportMonth, LocalDateTime generatedOn, int recordCount, String fileReference,
+        String status, LocalDateTime submittedOn) implements Serializable {
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlRecurringAlertData.java

@@ -0,0 +1,52 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.util.List;
+
+/**
+ * One customer who has tripped the AML engine repeatedly inside the observation window.
+ *
+ * @param alertCount
+ *            alerts in the window — what the threshold is compared against
+ * @param highRiskCount
+ *            how many of those came from a High severity catalog rule
+ * @param distinctRules
+ *            number of different rules involved; one rule firing five times is a weaker signal than
+ *            five different rules firing once, and the reviewer needs to see which it is
+ * @param openCount
+ *            alerts still awaiting a per-transaction disposition
+ * @param escalatedCount
+ *            alerts already escalated to an STR case
+ * @param needsReview
+ *            true when there is no review yet, or new alerts have arrived since the last one
+ * @param alerts
+ *            the triggering transactions themselves, so the reviewer can see why this customer keeps
+ *            surfacing without leaving the row
+ */
+public record AmlRecurringAlertData(Long clientId, String clientDisplayName, String accountNo, Integer clientRiskCategory,
+        int alertCount, int highRiskCount, int distinctRules, int openCount, int escalatedCount, BigDecimal totalAmount,
+        LocalDateTime firstAlertOn, LocalDateTime lastAlertOn, List<String> ruleCodes, boolean needsReview,
+        Integer alertCountAtLastReview, String lastReviewOutcome, String lastReviewedByUsername, LocalDateTime lastReviewedOn,
+        String lastReviewNotes, LocalDate windowFrom, List<AmlAlertData> alerts) implements Serializable {
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlStrCaseData.java

@@ -0,0 +1,28 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.data;
+
+import java.io.Serializable;
+import java.time.LocalDate;
+
+public record AmlStrCaseData(Long id, Long alertId, Long clientId, String clientDisplayName, String assignedPoUsername,
+        String investigationNotes, String sourceOfFundsNotes, String conclusion, String concludedByUsername, LocalDate concludedOn,
+        LocalDate fiuDueDate, LocalDate strFiledOn, String strReferenceNo, String status, long cumulativeStrCaseCountForClient)
+        implements Serializable {
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlTransactionContext.java

@@ -0,0 +1,92 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import org.apache.fineract.portfolio.aml.domain.AmlTransactionType;
+import org.apache.fineract.portfolio.client.domain.Client;
+
+/**
+ * Normalized view of a savings/loan/transfer transaction handed to {@code AmlRuleEvaluationService}
+ * by the business-event listener that observed it. Keeps the evaluation service itself decoupled
+ * from the savings/loan/fund-transfer domain models - each listener is responsible for building
+ * this context (including, where relevant, {@link #windowAggregateAmount}) from the repositories
+ * it already has access to.
+ */
+public final class AmlTransactionContext {
+
+    private final AmlTransactionType transactionType;
+    private final Long transactionId;
+    private final Client client;
+    private final BigDecimal amount;
+    private final String currencyCode;
+    private final LocalDateTime occurredOn;
+    private final boolean cash;
+    /**
+     * For STRUCTURING/VELOCITY rules: the sum of this client's qualifying transactions of this
+     * type within the rule's window, INCLUSIVE of this transaction. Null if not computed - such
+     * rules are simply skipped for this context rather than guessed at.
+     */
+    private final BigDecimal windowAggregateAmount;
+
+    public AmlTransactionContext(AmlTransactionType transactionType, Long transactionId, Client client, BigDecimal amount,
+            String currencyCode, LocalDateTime occurredOn, boolean cash, BigDecimal windowAggregateAmount) {
+        this.transactionType = transactionType;
+        this.transactionId = transactionId;
+        this.client = client;
+        this.amount = amount;
+        this.currencyCode = currencyCode;
+        this.occurredOn = occurredOn;
+        this.cash = cash;
+        this.windowAggregateAmount = windowAggregateAmount;
+    }
+
+    public AmlTransactionType getTransactionType() {
+        return transactionType;
+    }
+
+    public Long getTransactionId() {
+        return transactionId;
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public BigDecimal getAmount() {
+        return amount;
+    }
+
+    public String getCurrencyCode() {
+        return currencyCode;
+    }
+
+    public LocalDateTime getOccurredOn() {
+        return occurredOn;
+    }
+
+    public boolean isCash() {
+        return cash;
+    }
+
+    public BigDecimal getWindowAggregateAmount() {
+        return windowAggregateAmount;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/ClientRiskCategoryHistoryData.java

@@ -0,0 +1,26 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.data;
+
+import java.io.Serializable;
+import java.time.LocalDateTime;
+
+public record ClientRiskCategoryHistoryData(Long id, Long clientId, Integer previousCategory, Integer newCategory, String reason,
+        String triggeredBy, Long strCaseId, LocalDateTime changedOn, String changedByUsername) implements Serializable {
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/ManualReferralData.java

@@ -0,0 +1,33 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * One ledger entry a user has marked, so the ledger screen can show what has already been dealt with.
+ *
+ * {@code journalEntryId} is the acc_gl_journal_entry row the mark was made against - it is what the ledger table keys
+ * on. {@code strCaseId} is populated only where the mark escalated into an STR case.
+ */
+public record ManualReferralData(Long alertId, Long journalEntryId, Long clientId, String clientDisplayName,
+        BigDecimal amount, String currencyCode, LocalDateTime raisedOn, String status, String disposition,
+        String reviewedByUsername, String reviewNotes, Long strCaseId) implements Serializable {}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/event/AmlDomainService.java

@@ -0,0 +1,24 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.event;
+
+/** Marker interface whose only implementation registers AML business-event listeners on startup. */
+public interface AmlDomainService {
+
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/event/AmlDomainServiceImpl.java

@@ -0,0 +1,153 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.event;
+
+import jakarta.annotation.PostConstruct;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.event.business.BusinessEventListener;
+import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanDisbursalTransactionBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.domain.loan.transaction.LoanTransactionMakeRepaymentPostBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.domain.savings.transaction.SavingsDepositBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.domain.savings.transaction.SavingsWithdrawalBusinessEvent;
+import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
+import org.apache.fineract.portfolio.aml.data.AmlTransactionContext;
+import org.apache.fineract.portfolio.aml.domain.AmlTransactionType;
+import org.apache.fineract.portfolio.aml.repository.AmlLoanTransactionQueryRepository;
+import org.apache.fineract.portfolio.aml.repository.AmlSavingsTransactionQueryRepository;
+import org.apache.fineract.portfolio.aml.service.AmlRuleEvaluationService;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.paymentdetail.domain.PaymentDetail;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountTransaction;
+
+/**
+ * Registers post-business-event listeners that evaluate every live savings and loan transaction
+ * against the AML rule catalog, purely additively - listeners observe transactions that already
+ * completed successfully and never alter their outcome. Runs synchronously in the same request,
+ * mirroring {@code org.apache.fineract.notification.service.NotificationDomainServiceImpl}, so an
+ * alert is atomic with the transaction that raised it.
+ */
+@RequiredArgsConstructor
+@Slf4j
+public class AmlDomainServiceImpl implements AmlDomainService {
+
+    /**
+     * Fixed lookback used for every STRUCTURING/VELOCITY rule regardless of its own configured
+     * window_days - a v1 approximation (errs toward over-inclusion, the safer failure mode for AML
+     * monitoring) until per-rule windows are wired through.
+     */
+    private static final int STRUCTURING_WINDOW_DAYS = 30;
+
+    private final BusinessEventNotifierService businessEventNotifierService;
+    private final AmlRuleEvaluationService ruleEvaluationService;
+    private final AmlSavingsTransactionQueryRepository savingsQueryRepository;
+    private final AmlLoanTransactionQueryRepository loanQueryRepository;
+
+    @PostConstruct
+    public void addListeners() {
+        businessEventNotifierService.addPostBusinessEventListener(SavingsDepositBusinessEvent.class, new SavingsDepositListener());
+        businessEventNotifierService.addPostBusinessEventListener(SavingsWithdrawalBusinessEvent.class, new SavingsWithdrawalListener());
+        businessEventNotifierService.addPostBusinessEventListener(LoanDisbursalTransactionBusinessEvent.class,
+                new LoanDisbursalListener());
+        businessEventNotifierService.addPostBusinessEventListener(LoanTransactionMakeRepaymentPostBusinessEvent.class,
+                new LoanRepaymentListener());
+    }
+
+    private final class SavingsDepositListener implements BusinessEventListener<SavingsDepositBusinessEvent> {
+
+        @Override
+        public void onBusinessEvent(SavingsDepositBusinessEvent event) {
+            evaluateSavingsTransaction(event.get(), true);
+        }
+    }
+
+    private final class SavingsWithdrawalListener implements BusinessEventListener<SavingsWithdrawalBusinessEvent> {
+
+        @Override
+        public void onBusinessEvent(SavingsWithdrawalBusinessEvent event) {
+            evaluateSavingsTransaction(event.get(), false);
+        }
+    }
+
+    private final class LoanDisbursalListener implements BusinessEventListener<LoanDisbursalTransactionBusinessEvent> {
+
+        @Override
+        public void onBusinessEvent(LoanDisbursalTransactionBusinessEvent event) {
+            evaluateLoanTransaction(event.get());
+        }
+    }
+
+    private final class LoanRepaymentListener implements BusinessEventListener<LoanTransactionMakeRepaymentPostBusinessEvent> {
+
+        @Override
+        public void onBusinessEvent(LoanTransactionMakeRepaymentPostBusinessEvent event) {
+            evaluateLoanTransaction(event.get());
+        }
+    }
+
+    private void evaluateSavingsTransaction(SavingsAccountTransaction transaction, boolean depositDirection) {
+        final Client client = transaction.getSavingsAccount().getClient();
+        if (client == null) {
+            // group/JLG savings with no individual client behind it are out of scope for this rule set
+            return;
+        }
+        final LocalDate since = LocalDate.now().minusDays(STRUCTURING_WINDOW_DAYS);
+        final List<SavingsAccountTransaction> recent = savingsQueryRepository.findForClientSince(client.getId(), since);
+        final BigDecimal windowAggregate = recent.stream().filter(t -> depositDirection ? t.isDeposit() : t.isWithdrawal())
+                .map(SavingsAccountTransaction::getAmount).reduce(BigDecimal.ZERO, BigDecimal::add);
+
+        final AmlTransactionContext context = new AmlTransactionContext(AmlTransactionType.SAVINGS, transaction.getId(), client,
+                transaction.getAmount(), transaction.getSavingsAccount().getCurrency().getCode(),
+                transaction.getDateOf().atStartOfDay(), isCash(transaction.getPaymentDetail()), windowAggregate);
+        try {
+            ruleEvaluationService.evaluate(context);
+        } catch (final RuntimeException e) {
+            // AML alerting must never block the underlying savings transaction it is observing
+            log.error("AML rule evaluation failed for savings transaction {}", transaction.getId(), e);
+        }
+    }
+
+    private void evaluateLoanTransaction(LoanTransaction transaction) {
+        final Client client = transaction.getLoan().getClient();
+        if (client == null) {
+            return;
+        }
+        final LocalDate since = LocalDate.now().minusDays(STRUCTURING_WINDOW_DAYS);
+        final List<LoanTransaction> recent = loanQueryRepository.findForClientSince(client.getId(), since);
+        final BigDecimal windowAggregate = recent.stream().filter(LoanTransaction::isRepaymentLikeType)
+                .map(t -> t.getAmount(transaction.getLoan().getCurrency()).getAmount()).reduce(BigDecimal.ZERO, BigDecimal::add);
+
+        final AmlTransactionContext context = new AmlTransactionContext(AmlTransactionType.LOAN, transaction.getId(), client,
+                transaction.getAmount(transaction.getLoan().getCurrency()).getAmount(), transaction.getLoan().getCurrency().getCode(),
+                transaction.getTransactionDate().atStartOfDay(), isCash(transaction.getPaymentDetail()), windowAggregate);
+        try {
+            ruleEvaluationService.evaluate(context);
+        } catch (final RuntimeException e) {
+            log.error("AML rule evaluation failed for loan transaction {}", transaction.getId(), e);
+        }
+    }
+
+    private boolean isCash(PaymentDetail paymentDetail) {
+        return paymentDetail == null || Boolean.TRUE.equals(paymentDetail.getPaymentType().getIsCashPayment());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/job/AmlCtrReportBatchJobConfig.java

@@ -0,0 +1,60 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.job;
+
+import org.apache.fineract.infrastructure.jobs.service.JobName;
+import org.apache.fineract.portfolio.aml.service.AmlCtrReportGenerationService;
+import org.springframework.batch.core.Job;
+import org.springframework.batch.core.Step;
+import org.springframework.batch.core.job.builder.JobBuilder;
+import org.springframework.batch.core.launch.support.RunIdIncrementer;
+import org.springframework.batch.core.repository.JobRepository;
+import org.springframework.batch.core.step.builder.StepBuilder;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.transaction.PlatformTransactionManager;
+
+@Configuration
+public class AmlCtrReportBatchJobConfig {
+
+    @Autowired
+    private JobRepository jobRepository;
+    @Autowired
+    private PlatformTransactionManager transactionManager;
+    @Autowired
+    private AmlCtrReportGenerationService generationService;
+
+    @Bean
+    public AmlCtrReportBatchTasklet amlCtrReportBatchTasklet() {
+        return new AmlCtrReportBatchTasklet(generationService);
+    }
+
+    @Bean
+    protected Step amlCtrReportBatchStep() {
+        return new StepBuilder(JobName.CTR_REPORT_GENERATION.name(), jobRepository)
+                .tasklet(amlCtrReportBatchTasklet(), transactionManager).build();
+    }
+
+    @Bean
+    public Job amlCtrReportBatchJob() {
+        return new JobBuilder(JobName.CTR_REPORT_GENERATION.name(), jobRepository).start(amlCtrReportBatchStep())
+                .incrementer(new RunIdIncrementer()).build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/job/AmlCtrReportBatchTasklet.java

@@ -0,0 +1,55 @@
+/**
+ * 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.
+ */
+package org.apache.fineract.portfolio.aml.job;
+
+import java.time.YearMonth;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReport;
+import org.apache.fineract.portfolio.aml.service.AmlCtrReportGenerationService;
+import org.springframework.batch.core.StepContribution;
+import org.springframework.batch.core.scope.context.ChunkContext;
+import org.springframework.batch.core.step.tasklet.Tasklet;
+import org.springframework.batch.repeat.RepeatStatus;
+
+/**
+ * Generates the CTR report for the previous calendar month as a {@code DRAFT} - mechanical
+ * threshold aggregation only. Admin-triggered today (see {@code AmlCtrReportApiResource}); wiring
+ * to a real monthly cron is a follow-up, matching the same "driven by an admin endpoint today"
+ * stance already used for {@code NeftBatchProcessorService}.
+ */
+@Slf4j
+@RequiredArgsConstructor
+public class AmlCtrReportBatchTasklet implements Tasklet {
+
+    private final AmlCtrReportGenerationService generationService;
+
+    @Override
+    public RepeatStatus execute(StepContribution contribution, ChunkContext chunkContext) {
+        final YearMonth previousMonth = YearMonth.now().minusMonths(1);
+        try {
+            final AmlCtrReport report = generationService.generateForMonth(previousMonth);
+            log.info("[Job:CTR_REPORT_GENERATION] generated CTR report for {} with {} line(s)", previousMonth,
+                    report.getRecordCount());
+        } catch (final IllegalStateException e) {
+            log.info("[Job:CTR_REPORT_GENERATION] {} — skipping", e.getMessage());
+        }
+        return RepeatStatus.FINISHED;
+    }
+}