Merge branch 'demo' of https://git.lincpay.tech/CBSNexora/cbsnexora-backend into uate

# Please enter a commit message to explain why this merge is necessary,
# especially if it merges an updated upstream into a topic branch.
#
# Lines starting with '#' will be ignored, and an empty message aborts
# the commit.

auth.json

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

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

@@ -65,6 +65,8 @@ 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 +1,38 @@
+/**
+ * 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.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);
+}

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/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 +1,104 @@
+/**
+ * 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;
+
+    @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() {}
+
+    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 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 +1,27 @@
+/**
+ * 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 AmlTransactionRuleRepository extends JpaRepository<AmlTransactionRule, Long> {
+
+    List<AmlTransactionRule> findByActiveTrueAndAppliesTo(String appliesTo);
+}

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/domain/Client.java

@@ -617,6 +617,10 @@ 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

@@ -586,6 +586,15 @@ 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;
     }

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

@@ -72,9 +72,24 @@ 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;
 
@@ -135,4 +150,24 @@ 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/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-document/src/main/java/org/apache/fineract/infrastructure/contentstore/service/FileContentStoreService.java

@@ -95,23 +95,24 @@ public class FileContentStoreService implements ContentStoreService {
 
         final var target = Files.exists(getPath(safePath, false)) ? getPath(safePath, false) : getPath(safePath, true);
 
-        try (var in = is) {
-            IOUtils.copy(in, new FileOutputStream(target.toString()));
+        try (var in = is; var out = new FileOutputStream(target.toString())) {
+            IOUtils.copy(in, out);
         } catch (Exception e) {
             throw new ContentStoreException(e);
         }
 
         final var relativePath = getRelativePath(target);
 
-        try {
-            postUploadContentPolicy
-                    .check(ContentPolicyContext.builder().path(path).inputStream(getInputStream(target)).mimeType(mimeType).build());
+        try (var in = getInputStream(target)) {
+            postUploadContentPolicy.check(ContentPolicyContext.builder().path(path).inputStream(in).mimeType(mimeType).build());
         } catch (ContentPolicyException e) {
             log.warn("Delete file because it didn't comply with the post-upload policy check: {} - {}", target, e.getMessage());
 
             delete(relativePath.toString());
 
             throw e;
+        } catch (IOException e) {
+            throw new ContentStoreException(e);
         }
 
         return relativePath.toString();

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 +1,79 @@
+/**
+ * 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.service.AmlAlertReadPlatformService;
+import org.apache.fineract.portfolio.aml.service.AmlAlertWritePlatformService;
+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 DefaultToApiJsonSerializer<AmlAlertData> toApiJsonSerializer;
+
+    @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);
+    }
+}

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/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/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 +1,28 @@
+/**
+ * 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.math.BigDecimal;
+import java.time.LocalDateTime;
+
+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) 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/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/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;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/job/AmlStrWeeklyDigestJobConfig.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.AmlStrWeeklyDigestService;
+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 AmlStrWeeklyDigestJobConfig {
+
+    @Autowired
+    private JobRepository jobRepository;
+    @Autowired
+    private PlatformTransactionManager transactionManager;
+    @Autowired
+    private AmlStrWeeklyDigestService digestService;
+
+    @Bean
+    public AmlStrWeeklyDigestTasklet amlStrWeeklyDigestTasklet() {
+        return new AmlStrWeeklyDigestTasklet(digestService);
+    }
+
+    @Bean
+    protected Step amlStrWeeklyDigestStep() {
+        return new StepBuilder(JobName.AML_STR_WEEKLY_DIGEST.name(), jobRepository)
+                .tasklet(amlStrWeeklyDigestTasklet(), transactionManager).build();
+    }
+
+    @Bean
+    public Job amlStrWeeklyDigestJob() {
+        return new JobBuilder(JobName.AML_STR_WEEKLY_DIGEST.name(), jobRepository).start(amlStrWeeklyDigestStep())
+                .incrementer(new RunIdIncrementer()).build();
+    }
+}

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

@@ -0,0 +1,49 @@
+/**
+ * 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.util.List;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.service.AmlStrWeeklyDigestService;
+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;
+
+/**
+ * Periodic heartbeat that surfaces the current week's suspicious-STR count in the application log
+ * for ops visibility. The actual digest content (for compliance MIS use) is pulled on demand via
+ * {@code AmlStrCaseApiResource#weeklyDigest}, mirroring how the CTR job only drafts a report that a
+ * human then reviews/exports.
+ */
+@Slf4j
+@RequiredArgsConstructor
+public class AmlStrWeeklyDigestTasklet implements Tasklet {
+
+    private final AmlStrWeeklyDigestService digestService;
+
+    @Override
+    public RepeatStatus execute(StepContribution contribution, ChunkContext chunkContext) {
+        final List<AmlStrCase> digest = digestService.currentWeekDigest();
+        log.info("[Job:AML_STR_WEEKLY_DIGEST] {} STR case(s) concluded suspicious in the last 7 days", digest.size());
+        return RepeatStatus.FINISHED;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/repository/AmlFundTransferQueryRepository.java

@@ -0,0 +1,44 @@
+/**
+ * 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.repository;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import org.apache.fineract.portfolio.fundtransfer.domain.FundTransfer;
+import org.apache.fineract.portfolio.fundtransfer.domain.FundTransferStatus;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+/**
+ * Read-only aggregation over {@code FundTransfer} for AML window-based rules (structuring /
+ * velocity), across all channels (INTERNAL/IMPS/NEFT/RTGS).
+ *
+ * <p>
+ * Lives under {@code .repository} (not {@code .service}) because {@code JPAConfig} only scans
+ * {@code org.apache.fineract.**.domain} and {@code org.apache.fineract.**.repository} for
+ * {@code @EnableJpaRepositories}.
+ */
+public interface AmlFundTransferQueryRepository extends JpaRepository<FundTransfer, Long> {
+
+    @Query("SELECT COALESCE(SUM(t.amount), 0) FROM FundTransfer t WHERE t.clientId = :clientId "
+            + "AND t.status = :status AND t.initiatedAt >= :since")
+    BigDecimal sumForClientSince(@Param("clientId") Long clientId, @Param("status") FundTransferStatus status,
+            @Param("since") LocalDateTime since);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/repository/AmlLoanTransactionQueryRepository.java

@@ -0,0 +1,45 @@
+/**
+ * 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.repository;
+
+import java.time.LocalDate;
+import java.util.List;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+/**
+ * Read-only aggregation queries over {@code LoanTransaction} for AML window-based rules
+ * (structuring / velocity). Direction/kind (repayment-like) is filtered in Java via
+ * {@link LoanTransaction#isRepaymentLikeType()} rather than in JPQL.
+ *
+ * <p>
+ * Lives under {@code .repository} (not {@code .service}) because {@code JPAConfig} only scans
+ * {@code org.apache.fineract.**.domain} and {@code org.apache.fineract.**.repository} for
+ * {@code @EnableJpaRepositories}.
+ */
+public interface AmlLoanTransactionQueryRepository extends JpaRepository<LoanTransaction, Long> {
+
+    @Query("SELECT t FROM LoanTransaction t WHERE t.loan.client.id = :clientId AND t.dateOf >= :since AND t.reversed = false")
+    List<LoanTransaction> findForClientSince(@Param("clientId") Long clientId, @Param("since") LocalDate since);
+
+    @Query("SELECT t FROM LoanTransaction t WHERE t.dateOf BETWEEN :start AND :end AND t.reversed = false")
+    List<LoanTransaction> findInDateRange(@Param("start") LocalDate start, @Param("end") LocalDate end);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/repository/AmlSavingsTransactionQueryRepository.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.aml.repository;
+
+import java.time.LocalDate;
+import java.util.List;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountTransaction;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+/**
+ * Read-only aggregation queries over {@code SavingsAccountTransaction} for AML window-based rules
+ * (structuring / velocity). Kept separate from {@code SavingsAccountTransactionRepository} so the
+ * AML module doesn't modify savings module code - direction (deposit/withdrawal) is filtered in
+ * Java via {@link SavingsAccountTransaction#isDeposit()}/{@code isWithdrawal()} rather than in
+ * JPQL, since {@code typeOf} there is a raw internal code.
+ *
+ * <p>
+ * Lives under {@code .repository} (not {@code .service}) because {@code JPAConfig} only scans
+ * {@code org.apache.fineract.**.domain} and {@code org.apache.fineract.**.repository} for
+ * {@code @EnableJpaRepositories}.
+ */
+public interface AmlSavingsTransactionQueryRepository extends JpaRepository<SavingsAccountTransaction, Long> {
+
+    @Query("SELECT t FROM SavingsAccountTransaction t WHERE t.savingsAccount.client.id = :clientId "
+            + "AND t.dateOf >= :since AND t.reversed = false")
+    List<SavingsAccountTransaction> findForClientSince(@Param("clientId") Long clientId, @Param("since") LocalDate since);
+
+    @Query("SELECT t FROM SavingsAccountTransaction t WHERE t.dateOf BETWEEN :start AND :end AND t.reversed = false")
+    List<SavingsAccountTransaction> findInDateRange(@Param("start") LocalDate start, @Param("end") LocalDate end);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlAlertReadPlatformService.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.service;
+
+import java.util.List;
+import org.apache.fineract.portfolio.aml.data.AmlAlertData;
+
+public interface AmlAlertReadPlatformService {
+
+    /** @param statusFilter one of RAISED/UNDER_REVIEW/WHITELISTED/ESCALATED, or null/blank for all. */
+    List<AmlAlertData> retrieve(String statusFilter);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlAlertReadPlatformServiceImpl.java

@@ -0,0 +1,53 @@
+/**
+ * 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.service;
+
+import java.util.Comparator;
+import java.util.List;
+import java.util.stream.Collectors;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.aml.data.AmlAlertData;
+import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class AmlAlertReadPlatformServiceImpl implements AmlAlertReadPlatformService {
+
+    private final AmlAlertRepository repository;
+
+    @Override
+    public List<AmlAlertData> retrieve(String statusFilter) {
+        final List<AmlAlert> alerts = (statusFilter == null || statusFilter.isBlank()) ? repository.findAll()
+                : repository.findByStatusOrderByRaisedOnAsc(statusFilter);
+        return alerts.stream().sorted(Comparator.comparing(AmlAlert::getRaisedOn).reversed()).map(this::mapToData)
+                .collect(Collectors.toList());
+    }
+
+    private AmlAlertData mapToData(AmlAlert alert) {
+        return new AmlAlertData(alert.getId(), alert.getTransactionType().name(), alert.getTransactionId(), alert.getClient().getId(),
+                alert.getClient().getDisplayName(), alert.getRule().getRuleCode(), alert.getRule().getDescription(), alert.getAmount(),
+                alert.getCurrencyCode(), alert.getRaisedOn(), alert.getStatus().name(),
+                alert.getReviewedBy() == null ? null : alert.getReviewedBy().getUsername(), alert.getReviewedOn(),
+                alert.getReviewNotes(), alert.getDisposition() == null ? null : alert.getDisposition().name());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlAlertWritePlatformService.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.service;
+
+import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+
+/** First-level AML Officer disposition on an {@link AmlAlert}. */
+public interface AmlAlertWritePlatformService {
+
+    AmlAlert whitelist(Long alertId, String notes);
+
+    AmlStrCase escalate(Long alertId, String notes);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlAlertWritePlatformServiceImpl.java

@@ -0,0 +1,63 @@
+/**
+ * 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.service;
+
+import jakarta.persistence.EntityNotFoundException;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional
+public class AmlAlertWritePlatformServiceImpl implements AmlAlertWritePlatformService {
+
+    private final AmlAlertRepository alertRepository;
+    private final AmlStrCaseRepository strCaseRepository;
+    private final PlatformSecurityContext context;
+    private final ClientRiskEscalationService clientRiskEscalationService;
+
+    @Override
+    public AmlAlert whitelist(Long alertId, String notes) {
+        final AmlAlert alert = loadAlert(alertId);
+        alert.whitelist(context.authenticatedUser(), notes);
+        return alertRepository.save(alert);
+    }
+
+    @Override
+    public AmlStrCase escalate(Long alertId, String notes) {
+        final AmlAlert alert = loadAlert(alertId);
+        alert.escalate(context.authenticatedUser(), notes);
+        alertRepository.save(alert);
+
+        final AmlStrCase strCase = strCaseRepository.save(AmlStrCase.openFor(alert));
+        clientRiskEscalationService.onStrCaseEscalated(strCase);
+        return strCase;
+    }
+
+    private AmlAlert loadAlert(Long alertId) {
+        return alertRepository.findById(alertId)
+                .orElseThrow(() -> new EntityNotFoundException("AML alert " + alertId + " does not exist"));
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlCtrReportGenerationService.java

@@ -0,0 +1,140 @@
+/**
+ * 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.service;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.time.YearMonth;
+import java.util.ArrayList;
+import java.util.HashMap;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReport;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReportLine;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReportLineRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReportRepository;
+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.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;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Monthly, mechanical CTR batch: every individually-large cash transaction (savings or loan, ≥
+ * ₹10L) gets its own line; every client whose smaller cash transactions of a single type sum to ≥
+ * ₹10L within the month gets one connected-group line for that type. Purely threshold-based - no
+ * Principal Officer judgment, matching the regulation. NEFT/RTGS transfers are non-cash by nature
+ * and are out of scope for CTR.
+ *
+ * <p>
+ * Known v1 limitation: a client splitting cash activity across BOTH savings and loan channels to
+ * stay under ₹10L in each is not caught by this aggregation - each channel is summed separately.
+ */
+@Service
+@RequiredArgsConstructor
+@Transactional
+public class AmlCtrReportGenerationService {
+
+    private static final BigDecimal CTR_THRESHOLD = new BigDecimal("1000000");
+
+    private final AmlCtrReportRepository ctrReportRepository;
+    private final AmlCtrReportLineRepository ctrReportLineRepository;
+    private final AmlSavingsTransactionQueryRepository savingsQueryRepository;
+    private final AmlLoanTransactionQueryRepository loanQueryRepository;
+
+    public AmlCtrReport generateForMonth(YearMonth month) {
+        final String reportMonth = month.toString();
+        if (ctrReportRepository.findByReportMonth(reportMonth).isPresent()) {
+            throw new IllegalStateException("CTR report for " + reportMonth + " has already been generated");
+        }
+
+        final LocalDate start = month.atDay(1);
+        final LocalDate end = month.atEndOfMonth();
+
+        final List<PendingLine> pendingLines = new ArrayList<>();
+        final Map<Long, BigDecimal> smallSavingsCashByClient = new HashMap<>();
+        final Map<Long, BigDecimal> smallLoanCashByClient = new HashMap<>();
+
+        for (final SavingsAccountTransaction t : savingsQueryRepository.findInDateRange(start, end)) {
+            if (!(t.isDeposit() || t.isWithdrawal()) || !isCash(t.getPaymentDetail())) {
+                continue;
+            }
+            final Client client = t.getSavingsAccount().getClient();
+            if (client == null) {
+                continue;
+            }
+            if (t.getAmount().compareTo(CTR_THRESHOLD) >= 0) {
+                pendingLines.add(new PendingLine(AmlTransactionType.SAVINGS, t.getId(), client.getId(), t.getAmount(), false));
+            } else {
+                smallSavingsCashByClient.merge(client.getId(), t.getAmount(), BigDecimal::add);
+            }
+        }
+
+        for (final LoanTransaction t : loanQueryRepository.findInDateRange(start, end)) {
+            if (!t.isRepaymentLikeType() || !isCash(t.getPaymentDetail())) {
+                continue;
+            }
+            final Client client = t.getLoan().getClient();
+            if (client == null) {
+                continue;
+            }
+            final BigDecimal amount = t.getAmount(t.getLoan().getCurrency()).getAmount();
+            if (amount.compareTo(CTR_THRESHOLD) >= 0) {
+                pendingLines.add(new PendingLine(AmlTransactionType.LOAN, t.getId(), client.getId(), amount, false));
+            } else {
+                smallLoanCashByClient.merge(client.getId(), amount, BigDecimal::add);
+            }
+        }
+
+        addConnectedGroupLines(pendingLines, smallSavingsCashByClient, AmlTransactionType.SAVINGS);
+        addConnectedGroupLines(pendingLines, smallLoanCashByClient, AmlTransactionType.LOAN);
+
+        final AmlCtrReport report = ctrReportRepository
+                .save(AmlCtrReport.draft(reportMonth, LocalDateTime.now(), pendingLines.size()));
+        for (final PendingLine pending : pendingLines) {
+            ctrReportLineRepository.save(AmlCtrReportLine.of(report, pending.transactionType(), pending.transactionId(),
+                    pending.clientId(), pending.amount(), pending.connectedGroup()));
+        }
+        return report;
+    }
+
+    private void addConnectedGroupLines(List<PendingLine> pendingLines, Map<Long, BigDecimal> smallAmountsByClient,
+            AmlTransactionType transactionType) {
+        smallAmountsByClient.forEach((clientId, total) -> {
+            if (total.compareTo(CTR_THRESHOLD) >= 0) {
+                pendingLines.add(new PendingLine(transactionType, null, clientId, total, true));
+            }
+        });
+    }
+
+    /** Holds a line's values before the parent {@link AmlCtrReport} row exists to attach them to. */
+    private record PendingLine(AmlTransactionType transactionType, Long transactionId, Long clientId, BigDecimal amount,
+            boolean connectedGroup) {
+    }
+
+    private boolean isCash(PaymentDetail paymentDetail) {
+        return paymentDetail == null || Boolean.TRUE.equals(paymentDetail.getPaymentType().getIsCashPayment());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlCtrReportReadPlatformService.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.service;
+
+import java.util.List;
+import org.apache.fineract.portfolio.aml.data.AmlCtrReportData;
+
+public interface AmlCtrReportReadPlatformService {
+
+    List<AmlCtrReportData> retrieveAll();
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlCtrReportReadPlatformServiceImpl.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.aml.service;
+
+import java.util.Comparator;
+import java.util.List;
+import java.util.stream.Collectors;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.aml.data.AmlCtrReportData;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReport;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReportRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class AmlCtrReportReadPlatformServiceImpl implements AmlCtrReportReadPlatformService {
+
+    private final AmlCtrReportRepository repository;
+
+    @Override
+    public List<AmlCtrReportData> retrieveAll() {
+        return repository.findAll().stream().sorted(Comparator.comparing(AmlCtrReport::getReportMonth).reversed())
+                .map(this::mapToData).collect(Collectors.toList());
+    }
+
+    private AmlCtrReportData mapToData(AmlCtrReport report) {
+        return new AmlCtrReportData(report.getId(), report.getReportMonth(), report.getGeneratedOn(), report.getRecordCount(),
+                report.getFileReference(), report.getStatus().name(), report.getSubmittedOn());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlFundTransferEvaluationService.java

@@ -0,0 +1,73 @@
+/**
+ * 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.service;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.portfolio.aml.data.AmlTransactionContext;
+import org.apache.fineract.portfolio.aml.domain.AmlTransactionType;
+import org.apache.fineract.portfolio.aml.repository.AmlFundTransferQueryRepository;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.client.domain.ClientRepositoryWrapper;
+import org.apache.fineract.portfolio.fundtransfer.domain.FundTransfer;
+import org.apache.fineract.portfolio.fundtransfer.domain.FundTransferStatus;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Entry point for AML monitoring of NEFT/RTGS/IMPS/INTERNAL fund transfers. This module's
+ * fund-transfer code (unlike savings/loans) doesn't use Fineract's BusinessEvent framework - it
+ * has its own simpler {@code FundTransferEvent} append-only status log - so rather than bolting on
+ * an unrelated event bus, this is called directly from the write paths (synchronous strategy
+ * execution and the NEFT batch processor) at the point a transfer reaches SUCCESS.
+ */
+@Service
+@RequiredArgsConstructor
+@Slf4j
+@Transactional
+public class AmlFundTransferEvaluationService {
+
+    private static final int STRUCTURING_WINDOW_DAYS = 30;
+
+    private final AmlRuleEvaluationService ruleEvaluationService;
+    private final AmlFundTransferQueryRepository fundTransferQueryRepository;
+    private final ClientRepositoryWrapper clientRepositoryWrapper;
+
+    public void evaluateIfSuccessful(FundTransfer transfer) {
+        if (transfer.getStatus() != FundTransferStatus.SUCCESS || transfer.getClientId() == null) {
+            return;
+        }
+        try {
+            final Client client = clientRepositoryWrapper.findOneWithNotFoundDetection(transfer.getClientId());
+            final LocalDateTime since = LocalDateTime.now().minusDays(STRUCTURING_WINDOW_DAYS);
+            final BigDecimal windowAggregate = fundTransferQueryRepository.sumForClientSince(client.getId(), FundTransferStatus.SUCCESS,
+                    since);
+
+            final AmlTransactionContext context = new AmlTransactionContext(AmlTransactionType.TRANSFER, transfer.getId(), client,
+                    transfer.getAmount(), "INR",
+                    transfer.getSettledAt() != null ? transfer.getSettledAt() : transfer.getInitiatedAt(), false, windowAggregate);
+            ruleEvaluationService.evaluate(context);
+        } catch (final RuntimeException e) {
+            // AML alerting must never block the underlying fund transfer it is observing
+            log.error("AML rule evaluation failed for fund transfer {}", transfer.getId(), e);
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlRuleEvaluationService.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.service;
+
+import java.util.List;
+import org.apache.fineract.portfolio.aml.data.AmlTransactionContext;
+import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+
+/**
+ * Evaluates a single transaction against the active {@code AmlTransactionRule} catalog and
+ * persists one {@link AmlAlert} per rule hit. Runs identically regardless of the client's current
+ * KYC risk category - risk category is never used to suppress evaluation.
+ */
+public interface AmlRuleEvaluationService {
+
+    List<AmlAlert> evaluate(AmlTransactionContext context);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlRuleEvaluationServiceImpl.java

@@ -0,0 +1,75 @@
+/**
+ * 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.service;
+
+import java.util.ArrayList;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.aml.data.AmlTransactionContext;
+import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlAppliesTo;
+import org.apache.fineract.portfolio.aml.domain.AmlTransactionRule;
+import org.apache.fineract.portfolio.aml.domain.AmlTransactionRuleRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional
+public class AmlRuleEvaluationServiceImpl implements AmlRuleEvaluationService {
+
+    private final AmlTransactionRuleRepository ruleRepository;
+    private final AmlAlertRepository alertRepository;
+
+    @Override
+    public List<AmlAlert> evaluate(AmlTransactionContext context) {
+        final List<AmlTransactionRule> candidates = new ArrayList<>();
+        candidates.addAll(ruleRepository.findByActiveTrueAndAppliesTo(context.getTransactionType().name()));
+        candidates.addAll(ruleRepository.findByActiveTrueAndAppliesTo(AmlAppliesTo.ALL.name()));
+
+        final List<AmlAlert> raised = new ArrayList<>();
+        for (final AmlTransactionRule rule : candidates) {
+            if (isHit(rule, context)) {
+                final AmlAlert alert = AmlAlert.raise(context.getTransactionType(), context.getTransactionId(), context.getClient(), rule,
+                        context.getAmount(), context.getCurrencyCode(), context.getOccurredOn());
+                raised.add(alertRepository.save(alert));
+            }
+        }
+        return raised;
+    }
+
+    private boolean isHit(AmlTransactionRule rule, AmlTransactionContext context) {
+        if (rule.getThresholdAmount() == null) {
+            // Pattern-only VELOCITY rules (e.g. same-day movement) need bespoke detection logic
+            // per rule and are not yet evaluated here - they exist in the catalog for future work.
+            return false;
+        }
+        switch (rule.getRuleType()) {
+            case THRESHOLD:
+                return context.getAmount().compareTo(rule.getThresholdAmount()) >= 0;
+            case STRUCTURING:
+            case VELOCITY:
+                return context.getWindowAggregateAmount() != null
+                        && context.getWindowAggregateAmount().compareTo(rule.getThresholdAmount()) >= 0;
+            default:
+                return false;
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlStrCaseReadPlatformService.java

@@ -0,0 +1,31 @@
+/**
+ * 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.service;
+
+import java.util.List;
+import org.apache.fineract.portfolio.aml.data.AmlStrCaseData;
+
+public interface AmlStrCaseReadPlatformService {
+
+    List<AmlStrCaseData> retrieveAll();
+
+    AmlStrCaseData retrieveOne(Long strCaseId);
+
+    List<AmlStrCaseData> weeklyDigest();
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlStrCaseReadPlatformServiceImpl.java

@@ -0,0 +1,64 @@
+/**
+ * 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.service;
+
+import jakarta.persistence.EntityNotFoundException;
+import java.util.List;
+import java.util.stream.Collectors;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.aml.data.AmlStrCaseData;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class AmlStrCaseReadPlatformServiceImpl implements AmlStrCaseReadPlatformService {
+
+    private final AmlStrCaseRepository repository;
+    private final AmlStrWeeklyDigestService digestService;
+
+    @Override
+    public List<AmlStrCaseData> retrieveAll() {
+        return repository.findAll().stream().map(this::mapToData).collect(Collectors.toList());
+    }
+
+    @Override
+    public AmlStrCaseData retrieveOne(Long strCaseId) {
+        return repository.findById(strCaseId).map(this::mapToData)
+                .orElseThrow(() -> new EntityNotFoundException("AML STR case " + strCaseId + " does not exist"));
+    }
+
+    @Override
+    public List<AmlStrCaseData> weeklyDigest() {
+        return digestService.currentWeekDigest().stream().map(this::mapToData).collect(Collectors.toList());
+    }
+
+    private AmlStrCaseData mapToData(AmlStrCase strCase) {
+        final long cumulative = repository.countByClient_Id(strCase.getClient().getId());
+        return new AmlStrCaseData(strCase.getId(), strCase.getAlert().getId(), strCase.getClient().getId(),
+                strCase.getClient().getDisplayName(), strCase.getAssignedPo() == null ? null : strCase.getAssignedPo().getUsername(),
+                strCase.getInvestigationNotes(), strCase.getSourceOfFundsNotes(),
+                strCase.getConclusion() == null ? null : strCase.getConclusion().name(),
+                strCase.getConcludedBy() == null ? null : strCase.getConcludedBy().getUsername(), strCase.getConcludedOn(),
+                strCase.getFiuDueDate(), strCase.getStrFiledOn(), strCase.getStrReferenceNo(), strCase.getStatus().name(), cumulative);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlStrCaseWritePlatformService.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.service;
+
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrConclusion;
+
+/** Principal-Officer-only actions on an escalated {@link AmlStrCase}. */
+public interface AmlStrCaseWritePlatformService {
+
+    AmlStrCase assignPrincipalOfficer(Long strCaseId, Long principalOfficerUserId);
+
+    AmlStrCase conclude(Long strCaseId, AmlStrConclusion conclusion, String investigationNotes, String sourceOfFundsNotes);
+
+    AmlStrCase fileStr(Long strCaseId, String referenceNo);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlStrCaseWritePlatformServiceImpl.java

@@ -0,0 +1,75 @@
+/**
+ * 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.service;
+
+import jakarta.persistence.EntityNotFoundException;
+import java.time.LocalDate;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlStrConclusion;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.apache.fineract.useradministration.domain.AppUserRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional
+public class AmlStrCaseWritePlatformServiceImpl implements AmlStrCaseWritePlatformService {
+
+    private final AmlStrCaseRepository strCaseRepository;
+    private final AppUserRepository appUserRepository;
+    private final PlatformSecurityContext context;
+    private final StrSlaCalculator strSlaCalculator;
+
+    @Override
+    public AmlStrCase assignPrincipalOfficer(Long strCaseId, Long principalOfficerUserId) {
+        final AmlStrCase strCase = loadCase(strCaseId);
+        final AppUser po = appUserRepository.findById(principalOfficerUserId)
+                .orElseThrow(() -> new EntityNotFoundException("User " + principalOfficerUserId + " does not exist"));
+        strCase.assignPrincipalOfficer(po);
+        return strCaseRepository.save(strCase);
+    }
+
+    @Override
+    public AmlStrCase conclude(Long strCaseId, AmlStrConclusion conclusion, String investigationNotes, String sourceOfFundsNotes) {
+        final AmlStrCase strCase = loadCase(strCaseId);
+        final AppUser principalOfficer = context.authenticatedUser();
+        final LocalDate concludedOn = LocalDate.now();
+        final LocalDate fiuDueDate = conclusion == AmlStrConclusion.SUSPICIOUS
+                ? strSlaCalculator.calculateFiuDueDate(concludedOn, strCase.getClient().officeId())
+                : null;
+        strCase.conclude(principalOfficer, conclusion, investigationNotes, sourceOfFundsNotes, concludedOn, fiuDueDate);
+        return strCaseRepository.save(strCase);
+    }
+
+    @Override
+    public AmlStrCase fileStr(Long strCaseId, String referenceNo) {
+        final AmlStrCase strCase = loadCase(strCaseId);
+        strCase.fileStr(referenceNo, LocalDate.now());
+        return strCaseRepository.save(strCase);
+    }
+
+    private AmlStrCase loadCase(Long strCaseId) {
+        return strCaseRepository.findById(strCaseId)
+                .orElseThrow(() -> new EntityNotFoundException("AML STR case " + strCaseId + " does not exist"));
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlStrWeeklyDigestService.java

@@ -0,0 +1,51 @@
+/**
+ * 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.service;
+
+import java.time.LocalDate;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Internal MIS view of STR cases the Principal Officer concluded suspicious in the last 7 calendar
+ * days. This is separate from, and does not replace, each case's own individual 7-working-day FIU
+ * filing deadline ({@code AmlStrCase.fiuDueDate}) - it exists purely for compliance-team tracking.
+ */
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class AmlStrWeeklyDigestService {
+
+    private static final int DIGEST_WINDOW_DAYS = 7;
+
+    private final AmlStrCaseRepository strCaseRepository;
+
+    public List<AmlStrCase> currentWeekDigest() {
+        final LocalDate today = LocalDate.now();
+        return strCaseRepository.findConcludedSuspiciousBetween(today.minusDays(DIGEST_WINDOW_DAYS), today);
+    }
+
+    public List<AmlStrCase> digestFor(LocalDate from, LocalDate to) {
+        return strCaseRepository.findConcludedSuspiciousBetween(from, to);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/ClientRiskCategoryHistoryReadPlatformService.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.service;
+
+import java.util.List;
+import org.apache.fineract.portfolio.aml.data.ClientRiskCategoryHistoryData;
+
+public interface ClientRiskCategoryHistoryReadPlatformService {
+
+    List<ClientRiskCategoryHistoryData> retrieveForClient(Long clientId);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/ClientRiskCategoryHistoryReadPlatformServiceImpl.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.aml.service;
+
+import java.util.List;
+import java.util.stream.Collectors;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.aml.data.ClientRiskCategoryHistoryData;
+import org.apache.fineract.portfolio.aml.domain.ClientRiskCategoryHistory;
+import org.apache.fineract.portfolio.aml.domain.ClientRiskCategoryHistoryRepository;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Transactional(readOnly = true)
+public class ClientRiskCategoryHistoryReadPlatformServiceImpl implements ClientRiskCategoryHistoryReadPlatformService {
+
+    private final ClientRiskCategoryHistoryRepository repository;
+
+    @Override
+    public List<ClientRiskCategoryHistoryData> retrieveForClient(Long clientId) {
+        return repository.findByClient_IdOrderByChangedOnDesc(clientId).stream().map(this::mapToData).collect(Collectors.toList());
+    }
+
+    private ClientRiskCategoryHistoryData mapToData(ClientRiskCategoryHistory history) {
+        return new ClientRiskCategoryHistoryData(history.getId(), history.getClient().getId(), history.getPreviousCategory(),
+                history.getNewCategory(), history.getReason(), history.getTriggeredBy().name(),
+                history.getStrCase() == null ? null : history.getStrCase().getId(), history.getChangedOn(),
+                history.getChangedBy().getUsername());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/ClientRiskEscalationService.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.service;
+
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+
+/**
+ * A client's existing static KYC risk category never suppresses AML monitoring - a Low/Medium
+ * risk client who breaches a rule still gets an alert and still goes through the STR pipeline.
+ * This service closes the feedback loop the other way: on a client's 3rd cumulative
+ * {@link AmlStrCase}, their risk category is automatically escalated one level, so repeated
+ * breaches are reflected back into their KYC profile rather than only living in the AML module.
+ */
+public interface ClientRiskEscalationService {
+
+    void onStrCaseEscalated(AmlStrCase strCase);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/ClientRiskEscalationServiceImpl.java

@@ -0,0 +1,81 @@
+/**
+ * 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.service;
+
+import java.time.LocalDateTime;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseRepository;
+import org.apache.fineract.portfolio.aml.domain.ClientRiskCategoryHistory;
+import org.apache.fineract.portfolio.aml.domain.ClientRiskCategoryHistoryRepository;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.client.domain.ClientKyc;
+import org.apache.fineract.portfolio.client.domain.ClientKycRepositoryWrapper;
+import org.apache.fineract.portfolio.client.domain.KycRiskCategory;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+@Slf4j
+@Transactional
+public class ClientRiskEscalationServiceImpl implements ClientRiskEscalationService {
+
+    private static final int ESCALATION_THRESHOLD = 3;
+
+    private final AmlStrCaseRepository strCaseRepository;
+    private final ClientKycRepositoryWrapper clientKycRepositoryWrapper;
+    private final ClientRiskCategoryHistoryRepository historyRepository;
+    private final PlatformSecurityContext context;
+
+    @Override
+    public void onStrCaseEscalated(AmlStrCase strCase) {
+        final Client client = strCase.getClient();
+        final long cumulativeCases = strCaseRepository.countByClient_Id(client.getId());
+        if (cumulativeCases != ESCALATION_THRESHOLD) {
+            // only fires on the exact 3rd case, not every case from the 3rd onward
+            return;
+        }
+
+        final ClientKyc kyc = clientKycRepositoryWrapper.findByClientIdWithNotFoundDetection(client.getId());
+        final Integer previousCategory = kyc.getRiskCategoryValue();
+        final Integer nextCategory = nextCategory(previousCategory);
+        if (nextCategory.equals(previousCategory)) {
+            log.info("Client {} reached {} cumulative AML STR cases but is already at the highest risk category", client.getId(),
+                    cumulativeCases);
+            return;
+        }
+
+        kyc.escalateRiskCategory(nextCategory);
+        historyRepository.save(ClientRiskCategoryHistory.autoEscalation(client, previousCategory, nextCategory, strCase,
+                context.authenticatedUser(), LocalDateTime.now()));
+    }
+
+    private Integer nextCategory(Integer currentCategory) {
+        if (currentCategory == null || currentCategory.equals(KycRiskCategory.LOW.getValue())) {
+            return KycRiskCategory.MEDIUM.getValue();
+        }
+        if (currentCategory.equals(KycRiskCategory.MEDIUM.getValue())) {
+            return KycRiskCategory.HIGH.getValue();
+        }
+        return KycRiskCategory.HIGH.getValue();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/StrSlaCalculator.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.service;
+
+import java.time.LocalDate;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.organisation.holiday.domain.HolidayRepositoryWrapper;
+import org.apache.fineract.organisation.workingdays.domain.WorkingDays;
+import org.apache.fineract.organisation.workingdays.domain.WorkingDaysRepositoryWrapper;
+import org.apache.fineract.organisation.workingdays.service.WorkingDaysUtil;
+import org.springframework.stereotype.Service;
+
+/**
+ * Computes the RBI/PMLA-mandated 7-working-day FIU-IND filing deadline from a Principal Officer's
+ * STR conclusion date. "Working day" excludes both the tenant's configured weekly off-days
+ * ({@link WorkingDays}) and declared office holidays - reuses the same calendar machinery loan
+ * repayment scheduling already depends on, rather than a bespoke calculator.
+ */
+@Service
+@RequiredArgsConstructor
+public class StrSlaCalculator {
+
+    private static final int STR_FILING_WORKING_DAYS = 7;
+
+    private final WorkingDaysRepositoryWrapper workingDaysRepositoryWrapper;
+    private final HolidayRepositoryWrapper holidayRepositoryWrapper;
+
+    public LocalDate calculateFiuDueDate(LocalDate concludedOn, Long officeId) {
+        final WorkingDays workingDays = workingDaysRepositoryWrapper.findOne();
+        LocalDate date = concludedOn;
+        int workingDaysElapsed = 0;
+        while (workingDaysElapsed < STR_FILING_WORKING_DAYS) {
+            date = date.plusDays(1);
+            if (isWorkingDay(workingDays, date, officeId)) {
+                workingDaysElapsed++;
+            }
+        }
+        return date;
+    }
+
+    private boolean isWorkingDay(WorkingDays workingDays, LocalDate date, Long officeId) {
+        return WorkingDaysUtil.isWorkingDay(workingDays, date) && !holidayRepositoryWrapper.isHoliday(officeId, date);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/starter/AmlConfiguration.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.starter;
+
+import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
+import org.apache.fineract.portfolio.aml.event.AmlDomainService;
+import org.apache.fineract.portfolio.aml.event.AmlDomainServiceImpl;
+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.springframework.boot.autoconfigure.condition.ConditionalOnMissingBean;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+
+@Configuration
+public class AmlConfiguration {
+
+    @Bean
+    @ConditionalOnMissingBean(AmlDomainService.class)
+    public AmlDomainService amlDomainService(BusinessEventNotifierService businessEventNotifierService,
+            AmlRuleEvaluationService amlRuleEvaluationService, AmlSavingsTransactionQueryRepository savingsQueryRepository,
+            AmlLoanTransactionQueryRepository loanQueryRepository) {
+        return new AmlDomainServiceImpl(businessEventNotifierService, amlRuleEvaluationService, savingsQueryRepository,
+                loanQueryRepository);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/api/ClientEditApiResource.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.client.api;
+
+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.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.Context;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.UriInfo;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.ApiRequestParameterHelper;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.serialization.ApiRequestJsonSerializationSettings;
+import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.Page;
+import org.apache.fineract.infrastructure.security.exception.NoAuthorizationException;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.client.data.ClientPendingEditData;
+import org.apache.fineract.portfolio.client.service.ClientEditWritePlatformService;
+import org.apache.fineract.portfolio.client.service.ClientPendingEditReadPlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/clients")
+@Component
+@Tag(name = "Client Edit Approval",
+        description = "Maker-checker workflow for editing an existing Client's core profile details. Edits are held in "
+                + "m_client_pending_edit (a pending row there is itself the lock) and only applied to the real client once a "
+                + "different user (the checker) approves — see /clients/{clientId}/edit/approve and /reject below.")
+@RequiredArgsConstructor
+public class ClientEditApiResource {
+
+    private final PlatformSecurityContext context;
+    private final ClientEditWritePlatformService clientEditWritePlatformService;
+    private final ClientPendingEditReadPlatformService clientPendingEditReadPlatformService;
+    private final FromJsonHelper fromApiJsonHelper;
+    private final ApiRequestParameterHelper apiRequestParameterHelper;
+    private final DefaultToApiJsonSerializer<CommandProcessingResult> toApiJsonSerializer;
+    private final DefaultToApiJsonSerializer<ClientPendingEditData> pendingEditApiJsonSerializer;
+
+    @POST
+    @Path("{clientId}/edit")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Submit a details edit for a Client",
+            description = "Stages the proposed changes in m_client_pending_edit instead of applying them immediately — see "
+                    + "/clients/{clientId}/edit/approve and /reject below.")
+    public String submitEdit(@PathParam("clientId") @Parameter(description = "clientId") final Long clientId,
+            @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+
+        this.context.authenticatedUser().validateHasPermissionTo("SUBMITEDIT_CLIENT");
+
+        final JsonCommand command = JsonCommand.fromJsonElement(clientId, this.fromApiJsonHelper.parse(apiRequestBodyAsJson),
+                this.fromApiJsonHelper);
+
+        final CommandProcessingResult result = this.clientEditWritePlatformService.submitEditForApproval(clientId, command);
+
+        return this.toApiJsonSerializer.serialize(result);
+    }
+
+    @GET
+    @Path("edit/pending")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List Client details edits pending approval",
+            description = "Supports status/clientName/fromDate/toDate filtering (fromDate/toDate as yyyy-MM-dd, inclusive, filtered "
+                    + "on submitted date; clientName is a case-insensitive substring match) plus offset/limit pagination — mirrors "
+                    + "/chequebook/pending-requests.")
+    public Page<ClientPendingEditData> retrieveAllPendingEdits(@QueryParam("status") final String status,
+            @QueryParam("clientName") final String clientName, @QueryParam("fromDate") final String fromDate,
+            @QueryParam("toDate") final String toDate, @QueryParam("offset") @DefaultValue("0") final Integer offset,
+            @QueryParam("limit") @DefaultValue("20") final Integer limit) {
+
+        this.context.authenticatedUser().validateHasReadPermission(ClientApiConstants.CLIENT_RESOURCE_NAME);
+
+        final int safeLimit = Math.min(limit, 200);
+        return this.clientPendingEditReadPlatformService.retrieveAllPendingEdits(status, clientName, fromDate, toDate, offset, safeLimit);
+    }
+
+    @GET
+    @Path("{clientId}/edit/pending")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve the pending details edit for a Client, if any")
+    public String retrievePendingEdit(@PathParam("clientId") @Parameter(description = "clientId") final Long clientId,
+            @Context final UriInfo uriInfo) {
+
+        this.context.authenticatedUser().validateHasReadPermission(ClientApiConstants.CLIENT_RESOURCE_NAME);
+
+        final ClientPendingEditData pendingEdit = this.clientPendingEditReadPlatformService.retrievePendingEdit(clientId);
+
+        final ApiRequestJsonSerializationSettings settings = this.apiRequestParameterHelper.process(uriInfo.getQueryParameters());
+        return this.pendingEditApiJsonSerializer.serialize(settings, pendingEdit);
+    }
+
+    @POST
+    @Path("{clientId}/edit/approve")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Approve a pending Client details edit",
+            description = "Applies the proposed changes to the client. The maker of the edit cannot also approve it — no exceptions.")
+    public String approvePendingEdit(@PathParam("clientId") @Parameter(description = "clientId") final Long clientId) {
+
+        if (this.context.authenticatedUser().hasNotPermissionForAnyOf("APPROVEEDIT_CLIENT")) {
+            throw new NoAuthorizationException("User has no authority to approve client edits");
+        }
+
+        final CommandProcessingResult result = this.clientEditWritePlatformService.approveEdit(clientId);
+
+        return this.toApiJsonSerializer.serialize(result);
+    }
+
+    @POST
+    @Path("{clientId}/edit/reject")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Reject a pending Client details edit",
+            description = "Discards the proposed changes without applying them. The maker of the edit cannot also reject it — no exceptions.")
+    public String rejectPendingEdit(@PathParam("clientId") @Parameter(description = "clientId") final Long clientId,
+            @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+
+        if (this.context.authenticatedUser().hasNotPermissionForAnyOf("REJECTEDIT_CLIENT")) {
+            throw new NoAuthorizationException("User has no authority to reject client edits");
+        }
+
+        String rejectReason = null;
+        if (apiRequestBodyAsJson != null && !apiRequestBodyAsJson.isBlank()) {
+            final var parsed = this.fromApiJsonHelper.parse(apiRequestBodyAsJson);
+            if (parsed != null && parsed.isJsonObject() && parsed.getAsJsonObject().has("rejectReason")) {
+                rejectReason = parsed.getAsJsonObject().get("rejectReason").getAsString();
+            }
+        }
+
+        final CommandProcessingResult result = this.clientEditWritePlatformService.rejectEdit(clientId, rejectReason);
+
+        return this.toApiJsonSerializer.serialize(result);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/api/ClientsApiResource.java

@@ -44,6 +44,7 @@ import java.time.LocalDate;
 import java.util.Collection;
 import java.util.List;
 import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.commands.data.AuditData;
 import org.apache.fineract.commands.domain.CommandWrapper;
 import org.apache.fineract.commands.service.AuditReadPlatformService;
@@ -142,7 +143,8 @@ public class ClientsApiResource {
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "List Clients", description = "The list capability of clients can support pagination and sorting.\n\n"
             + "Example Requests:\n" + "\n" + "clients\n" + "\n" + "clients?fields=displayName,officeName,timeline\n" + "\n"
-            + "clients?offset=10&limit=50\n" + "\n" + "clients?orderBy=displayName&sortOrder=DESC")
+            + "clients?offset=10&limit=50\n" + "\n" + "clients?orderBy=displayName&sortOrder=DESC\n\n"
+            + "clients?fromDate=2026-01-01&toDate=2026-01-31 (submittedon_date range, yyyy-MM-dd, inclusive)")
     @ApiResponse(responseCode = "200", description = "OK", content = @Content(schema = @Schema(implementation = ClientsApiResourceSwagger.GetClientsResponse.class)))
     public String retrieveAll(@Context final UriInfo uriInfo,
             @QueryParam("officeId") @Parameter(description = "officeId") final Long officeId,
@@ -157,10 +159,15 @@ public class ClientsApiResource {
             @QueryParam("orderBy") @Parameter(description = "orderBy") final String orderBy,
             @QueryParam("sortOrder") @Parameter(description = "sortOrder") final String sortOrder,
             @QueryParam("orphansOnly") @Parameter(description = "orphansOnly") final Boolean orphansOnly,
-            @QueryParam("legalForm") final Integer legalForm) {
+            @QueryParam("legalForm") final Integer legalForm,
+            @QueryParam("fromDate") @Parameter(description = "fromDate") final String fromDate,
+            @QueryParam("toDate") @Parameter(description = "toDate") final String toDate) {
+
+        final LocalDate fromDateParsed = StringUtils.isNotBlank(fromDate) ? LocalDate.parse(fromDate) : null;
+        final LocalDate toDateParsed = StringUtils.isNotBlank(toDate) ? LocalDate.parse(toDate) : null;
 
         return retrieveAll(uriInfo, officeId, externalId, displayName, firstname, lastname, status, legalForm, hierarchy, offset, limit,
-                orderBy, sortOrder, orphansOnly, false);
+                orderBy, sortOrder, orphansOnly, false, fromDateParsed, toDateParsed);
     }
 
     @GET
@@ -437,7 +444,7 @@ public class ClientsApiResource {
     public String retrieveAll(final UriInfo uriInfo, final Long officeId, final String externalId, final String displayName,
             final String firstname, final String lastname, final String status, final Integer legalForm, final String hierarchy,
             final Integer offset, final Integer limit, final String orderBy, final String sortOrder, final Boolean orphansOnly,
-            final boolean isSelfUser) {
+            final boolean isSelfUser, final LocalDate fromDate, final LocalDate toDate) {
         context.authenticatedUser().validateHasReadPermission(ClientApiConstants.CLIENT_RESOURCE_NAME);
         sqlValidator.validate(orderBy);
         sqlValidator.validate(sortOrder);
@@ -445,7 +452,8 @@ public class ClientsApiResource {
         sqlValidator.validate(hierarchy);
         final SearchParameters searchParameters = SearchParameters.builder().limit(limit).officeId(officeId).externalId(externalId)
                 .name(displayName).hierarchy(hierarchy).firstname(firstname).lastname(lastname).status(status).orphansOnly(orphansOnly)
-                .isSelfUser(isSelfUser).offset(offset).orderBy(orderBy).sortOrder(sortOrder).legalForm(legalForm).build();
+                .isSelfUser(isSelfUser).offset(offset).orderBy(orderBy).sortOrder(sortOrder).legalForm(legalForm).fromDate(fromDate)
+                .toDate(toDate).build();
         final Page<ClientData> clientData = clientReadPlatformService.retrieveAll(searchParameters);
         final ApiRequestJsonSerializationSettings settings = apiRequestParameterHelper.process(uriInfo.getQueryParameters());
         return toApiJsonSerializer.serialize(settings, clientData, ClientApiConstants.CLIENT_RESPONSE_DATA_PARAMETERS);

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/data/ClientPendingEditData.java

@@ -0,0 +1,44 @@
+/**
+ * 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.time.OffsetDateTime;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+@AllArgsConstructor
+public class ClientPendingEditData {
+
+    private final Long id;
+    private final Long clientId;
+    private final String clientDisplayName;
+    private final String payloadJson;
+    private final String originalJson;
+    private final String status;
+    private final Long makerId;
+    private final String makerName;
+    private final OffsetDateTime submittedDate;
+    private final Long checkerId;
+    private final String checkerName;
+    private final OffsetDateTime checkedDate;
+    private final String rejectReason;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/data/KycRiskRuleData.java

@@ -41,6 +41,11 @@ public final class KycRiskRuleData implements Serializable {
     private final Integer riskCategory;
     private final String reason;
     private final Integer orderPosition;
+    private final String amlCheckStatus;
+    private final String bannedEntityMatch;
+    private final String willfulDefaulter;
+    private final String ecgcSalFlag;
+    private final String dormantFlag;
 
     public KycRiskRuleData(final Long id, final String ruleName, final Integer legalFormId,
             final Long occupationCategoryCvId, final String occupationCategoryName,
@@ -48,7 +53,9 @@ public final class KycRiskRuleData implements Serializable {
             final BigDecimal minMonthlyIncome, final BigDecimal maxMonthlyIncome,
             final BigDecimal minAnnualIncome, final BigDecimal maxAnnualIncome,
             final BigDecimal minAnnualTurnover, final BigDecimal maxAnnualTurnover,
-            final Integer riskCategory, final String reason, final Integer orderPosition) {
+            final Integer riskCategory, final String reason, final Integer orderPosition,
+            final String amlCheckStatus, final String bannedEntityMatch,
+            final String willfulDefaulter, final String ecgcSalFlag, final String dormantFlag) {
         this.id = id;
         this.ruleName = ruleName;
         this.legalFormId = legalFormId;
@@ -65,6 +72,11 @@ public final class KycRiskRuleData implements Serializable {
         this.riskCategory = riskCategory;
         this.reason = reason;
         this.orderPosition = orderPosition;
+        this.amlCheckStatus = amlCheckStatus;
+        this.bannedEntityMatch = bannedEntityMatch;
+        this.willfulDefaulter = willfulDefaulter;
+        this.ecgcSalFlag = ecgcSalFlag;
+        this.dormantFlag = dormantFlag;
     }
 
     public Long getId() {
@@ -130,4 +142,24 @@ public final class KycRiskRuleData implements Serializable {
     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-provider/src/main/java/org/apache/fineract/portfolio/client/domain/ClientPendingEdit.java

@@ -0,0 +1,132 @@
+/**
+ * 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.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.OffsetDateTime;
+import lombok.AccessLevel;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * Bespoke maker-checker for Client edits — modelled on {@link ClientPendingEditStatus} /
+ * {@code m_share_account_pending_edit} elsewhere in this codebase rather than Fineract's native
+ * command-approval engine, because that engine's hold is bypassed by any role carrying
+ * ALL_FUNCTIONS (Super user, Clerk in this tenant), making it a no-op for this CBS's actual admin
+ * accounts.
+ *
+ * <p>Holds the maker's raw PUT /clients/{id}/edit payload as-is (rather than one typed column per
+ * editable Client field, which — given how many fields Client actually has across general,
+ * financial-classification and KYC-adjacent data — would mean a huge, fragile shadow-column table
+ * that has to be kept in lockstep with the entity forever). Approval reconstructs a
+ * {@code JsonCommand} from the stored JSON and replays it through the existing
+ * {@code ClientWritePlatformService.updateClient(...)}, so all of Client's existing validation and
+ * change-detection logic runs exactly as it would for a direct edit — just deferred until a
+ * different user approves it. The maker can never approve/reject their own submission — enforced
+ * in the write service, not just by role, with no bypass for CHECKER_SUPER_USER.
+ */
+@Entity
+@Table(name = "m_client_pending_edit")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
+@Getter
+public class ClientPendingEdit extends AbstractPersistableCustom<Long> {
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @Column(name = "payload_json", nullable = false)
+    private String payloadJson;
+
+    /** Point-in-time "before" snapshot the maker's client had when the edit was submitted — see
+     * client-edit-diff.util.ts's buildOriginalValuesSnapshot(). Null for edits submitted before
+     * this column existed. Lets the checker's compare view show a true historical diff regardless
+     * of whether the live client has since changed (e.g. once approved, current == proposed). */
+    @Column(name = "original_json")
+    private String originalJson;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @Column(name = "maker_id", nullable = false)
+    private Long makerId;
+
+    @Column(name = "submitted_date", nullable = false)
+    private OffsetDateTime submittedDate;
+
+    @Column(name = "checker_id")
+    private Long checkerId;
+
+    @Column(name = "checked_date")
+    private OffsetDateTime checkedDate;
+
+    @Column(name = "reject_reason", length = 500)
+    private String rejectReason;
+
+    @Column(name = "pending_lock_key", length = 60, unique = true)
+    private String pendingLockKey;
+
+    public static ClientPendingEdit submit(final Client client, final String payloadJson, final String originalJson,
+            final AppUser maker) {
+        final ClientPendingEdit edit = new ClientPendingEdit();
+        edit.client = client;
+        edit.payloadJson = payloadJson;
+        edit.originalJson = originalJson;
+        edit.status = ClientPendingEditStatus.PENDING.name();
+        edit.makerId = maker.getId();
+        edit.submittedDate = DateUtils.getOffsetDateTimeOfTenant();
+        edit.pendingLockKey = lockKeyFor(client.getId());
+        return edit;
+    }
+
+    public static String lockKeyFor(final Long clientId) {
+        return "CLIENT_EDIT:" + clientId;
+    }
+
+    public boolean isPending() {
+        return ClientPendingEditStatus.PENDING.name().equals(this.status);
+    }
+
+    /** The maker can never be their own checker — a distinct human must approve/reject an edit. */
+    public boolean isMadeBy(final Long userId) {
+        return this.makerId != null && this.makerId.equals(userId);
+    }
+
+    public void approve(final AppUser checker) {
+        this.status = ClientPendingEditStatus.APPROVED.name();
+        this.checkerId = checker.getId();
+        this.checkedDate = DateUtils.getOffsetDateTimeOfTenant();
+        this.pendingLockKey = null;
+    }
+
+    public void reject(final AppUser checker, final String reason) {
+        this.status = ClientPendingEditStatus.REJECTED.name();
+        this.checkerId = checker.getId();
+        this.checkedDate = DateUtils.getOffsetDateTimeOfTenant();
+        this.rejectReason = reason;
+        this.pendingLockKey = null;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/domain/ClientPendingEditRepository.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.client.domain;
+
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface ClientPendingEditRepository extends JpaRepository<ClientPendingEdit, Long> {
+
+    Optional<ClientPendingEdit> findByClientIdAndStatus(Long clientId, String status);
+
+    List<ClientPendingEdit> findByStatusOrderBySubmittedDateDesc(String status);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/domain/ClientPendingEditRepositoryWrapper.java

@@ -0,0 +1,49 @@
+/**
+ * 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 java.util.Optional;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.client.exception.ClientNoPendingEditException;
+import org.springframework.stereotype.Service;
+
+@Service
+@RequiredArgsConstructor
+public class ClientPendingEditRepositoryWrapper {
+
+    private final ClientPendingEditRepository repository;
+
+    public ClientPendingEdit findPendingByClientIdWithNotFoundDetection(final Long clientId) {
+        return this.repository.findByClientIdAndStatus(clientId, ClientPendingEditStatus.PENDING.name())
+                .orElseThrow(() -> new ClientNoPendingEditException(clientId));
+    }
+
+    public Optional<ClientPendingEdit> findPendingByClientId(final Long clientId) {
+        return this.repository.findByClientIdAndStatus(clientId, ClientPendingEditStatus.PENDING.name());
+    }
+
+    public List<ClientPendingEdit> findAllPending() {
+        return this.repository.findByStatusOrderBySubmittedDateDesc(ClientPendingEditStatus.PENDING.name());
+    }
+
+    public ClientPendingEdit saveAndFlush(final ClientPendingEdit edit) {
+        return this.repository.saveAndFlush(edit);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/domain/ClientPendingEditStatus.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.client.domain;
+
+/** Lifecycle of a {@link ClientPendingEdit}. Terminal once APPROVED or REJECTED. */
+public enum ClientPendingEditStatus {
+
+    PENDING, //
+    APPROVED, //
+    REJECTED; //
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/exception/ClientActivationSelfApprovalNotAllowedException.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.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when the user attempting to activate a client is the same user who created it — a
+ * four-eyes (maker-checker) requirement with no bypass, including for users holding
+ * CHECKER_SUPER_USER, since a bypass would recreate the exact "ALL_FUNCTIONS/super user ignores
+ * the hold" loophole this check exists to close.
+ */
+public class ClientActivationSelfApprovalNotAllowedException extends AbstractPlatformDomainRuleException {
+
+    public ClientActivationSelfApprovalNotAllowedException() {
+        super("error.msg.client.activation.self.approval.not.allowed",
+                "You cannot activate a client you created yourself — a different user must activate it.");
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/exception/ClientEditPendingApprovalException.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.client.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class ClientEditPendingApprovalException extends AbstractPlatformDomainRuleException {
+
+    public ClientEditPendingApprovalException(final Long clientId) {
+        super("error.msg.client.edit.pending.approval", "Client with identifier " + clientId + " already has an edit pending approval",
+                clientId);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/exception/ClientEditSelfApprovalNotAllowedException.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.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown when the user attempting to approve/reject a Client's pending edit is the same user who
+ * submitted it — no bypass, including for users holding CHECKER_SUPER_USER, since a bypass would
+ * recreate the exact "role bypasses the hold" loophole this check exists to close.
+ */
+public class ClientEditSelfApprovalNotAllowedException extends AbstractPlatformDomainRuleException {
+
+    public ClientEditSelfApprovalNotAllowedException(final Long clientId) {
+        super("error.msg.client.edit.self.approval.not.allowed",
+                "You cannot approve or reject an edit you submitted yourself for client " + clientId
+                        + " — a different user must review it.",
+                clientId);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/exception/ClientNoPendingEditException.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.client.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class ClientNoPendingEditException extends AbstractPlatformDomainRuleException {
+
+    public ClientNoPendingEditException(final Long clientId) {
+        super("error.msg.client.no.pending.edit", "Client with identifier " + clientId + " has no edit pending approval", clientId);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientEditWritePlatformService.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.client.service;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+
+/** Maker-checker for Client edits — see {@link org.apache.fineract.portfolio.client.domain.ClientPendingEdit}. */
+public interface ClientEditWritePlatformService {
+
+    CommandProcessingResult submitEditForApproval(Long clientId, JsonCommand command);
+
+    CommandProcessingResult approveEdit(Long clientId);
+
+    CommandProcessingResult rejectEdit(Long clientId, String rejectReason);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientEditWritePlatformServiceImpl.java

@@ -0,0 +1,136 @@
+/**
+ * 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.service;
+
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.client.domain.ClientPendingEdit;
+import org.apache.fineract.portfolio.client.domain.ClientPendingEditRepositoryWrapper;
+import org.apache.fineract.portfolio.client.domain.ClientRepositoryWrapper;
+import org.apache.fineract.portfolio.client.exception.ClientEditPendingApprovalException;
+import org.apache.fineract.portfolio.client.exception.ClientEditSelfApprovalNotAllowedException;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@RequiredArgsConstructor
+@Service
+public class ClientEditWritePlatformServiceImpl implements ClientEditWritePlatformService {
+
+    /** Matches ORIGINAL_VALUES_PAYLOAD_KEY in client-edit-diff.util.ts. */
+    private static final String ORIGINAL_VALUES_PAYLOAD_KEY = "_originalValues";
+
+    private final PlatformSecurityContext context;
+    private final ClientRepositoryWrapper clientRepository;
+    private final ClientPendingEditRepositoryWrapper pendingEditRepository;
+    private final ClientWritePlatformService clientWritePlatformService;
+    private final FromJsonHelper fromApiJsonHelper;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult submitEditForApproval(final Long clientId, final JsonCommand command) {
+        final AppUser maker = this.context.authenticatedUser();
+        final Client client = this.clientRepository.findOneWithNotFoundDetection(clientId);
+
+        // Four-eyes lock: refuse a second maker while one edit is already awaiting approval for
+        // this client, rather than silently overwriting or queueing it — matches
+        // m_share_account_pending_edit / m_savings_product_temp elsewhere in this codebase.
+        if (this.pendingEditRepository.findPendingByClientId(clientId).isPresent()) {
+            throw new ClientEditPendingApprovalException(clientId);
+        }
+
+        // The frontend rides its point-in-time "before" snapshot along under _originalValues so
+        // the checker's compare view can show a true historical diff later, even after the edit
+        // has been applied (by then the live client equals the proposed values, not the original
+        // ones — see client-edit-diff.util.ts). Split it out here: the rest replays through
+        // updateClient() at approval time and must not carry an unrecognised parameter.
+        final JsonElement parsedPayload = this.fromApiJsonHelper.parse(command.json());
+        String originalJson = null;
+        String cleanPayloadJson = command.json();
+        if (parsedPayload != null && parsedPayload.isJsonObject()) {
+            final JsonObject payloadObject = parsedPayload.getAsJsonObject();
+            final JsonElement originalValues = payloadObject.remove(ORIGINAL_VALUES_PAYLOAD_KEY);
+            if (originalValues != null) {
+                originalJson = originalValues.toString();
+            }
+            cleanPayloadJson = payloadObject.toString();
+        }
+
+        final ClientPendingEdit pendingEdit = ClientPendingEdit.submit(client, cleanPayloadJson, originalJson, maker);
+        this.pendingEditRepository.saveAndFlush(pendingEdit);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withOfficeId(client.officeId()) //
+                .withClientId(clientId) //
+                .withEntityId(pendingEdit.getId()) //
+                .build();
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult approveEdit(final Long clientId) {
+        final AppUser checker = this.context.authenticatedUser();
+        final ClientPendingEdit pendingEdit = this.pendingEditRepository.findPendingByClientIdWithNotFoundDetection(clientId);
+
+        // No bypass — including CHECKER_SUPER_USER — a bypass here would recreate the exact
+        // "role bypasses the hold" loophole this whole feature exists to close.
+        if (pendingEdit.isMadeBy(checker.getId())) {
+            throw new ClientEditSelfApprovalNotAllowedException(clientId);
+        }
+
+        // Replay the staged JSON through the SAME write-service method a direct PUT would have
+        // used, so every bit of Client's existing validation/change-detection logic runs exactly
+        // as it would for an immediate edit — just deferred until a different user approves it.
+        final JsonElement parsedJson = this.fromApiJsonHelper.parse(pendingEdit.getPayloadJson());
+        final JsonCommand replayedCommand = JsonCommand.fromJsonElement(clientId, parsedJson, this.fromApiJsonHelper);
+        final CommandProcessingResult result = this.clientWritePlatformService.updateClient(clientId, replayedCommand);
+
+        pendingEdit.approve(checker);
+        this.pendingEditRepository.saveAndFlush(pendingEdit);
+
+        return result;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult rejectEdit(final Long clientId, final String rejectReason) {
+        final AppUser checker = this.context.authenticatedUser();
+        final ClientPendingEdit pendingEdit = this.pendingEditRepository.findPendingByClientIdWithNotFoundDetection(clientId);
+
+        if (pendingEdit.isMadeBy(checker.getId())) {
+            throw new ClientEditSelfApprovalNotAllowedException(clientId);
+        }
+
+        pendingEdit.reject(checker, rejectReason);
+        this.pendingEditRepository.saveAndFlush(pendingEdit);
+
+        return new CommandProcessingResultBuilder() //
+                .withClientId(clientId) //
+                .withEntityId(pendingEdit.getId()) //
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientPendingEditReadPlatformService.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.service;
+
+import org.apache.fineract.infrastructure.core.service.Page;
+import org.apache.fineract.portfolio.client.data.ClientPendingEditData;
+
+public interface ClientPendingEditReadPlatformService {
+
+    ClientPendingEditData retrievePendingEdit(Long clientId);
+
+    /**
+     * @param status defaults to PENDING when blank
+     * @param clientName case-insensitive substring match against the client's display name
+     * @param fromDate ISO (yyyy-MM-dd), inclusive, filters on submitted_date
+     * @param toDate ISO (yyyy-MM-dd), inclusive, filters on submitted_date
+     */
+    Page<ClientPendingEditData> retrieveAllPendingEdits(String status, String clientName, String fromDate, String toDate, Integer offset,
+            Integer limit);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientPendingEditReadPlatformServiceImpl.java

@@ -0,0 +1,122 @@
+/**
+ * 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.service;
+
+import java.sql.ResultSet;
+import java.sql.SQLException;
+import java.time.OffsetDateTime;
+import java.util.ArrayList;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.infrastructure.core.domain.JdbcSupport;
+import org.apache.fineract.infrastructure.core.service.Page;
+import org.apache.fineract.portfolio.client.data.ClientPendingEditData;
+import org.apache.fineract.portfolio.client.exception.ClientNoPendingEditException;
+import org.springframework.dao.EmptyResultDataAccessException;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.jdbc.core.RowMapper;
+import org.springframework.stereotype.Service;
+
+@RequiredArgsConstructor
+@Service
+public class ClientPendingEditReadPlatformServiceImpl implements ClientPendingEditReadPlatformService {
+
+    private final JdbcTemplate jdbcTemplate;
+
+    private static final String SELECT_SQL = """
+            SELECT pe.id AS id, pe.client_id AS clientId, c.display_name AS clientDisplayName,
+                   pe.payload_json AS payloadJson, pe.original_json AS originalJson, pe.status AS status,
+                   pe.maker_id AS makerId, (maker.firstname || ' ' || maker.lastname) AS makerName,
+                   pe.submitted_date AS submittedDate,
+                   pe.checker_id AS checkerId, (checker.firstname || ' ' || checker.lastname) AS checkerName,
+                   pe.checked_date AS checkedDate, pe.reject_reason AS rejectReason
+            FROM m_client_pending_edit pe
+            JOIN m_client c ON c.id = pe.client_id
+            JOIN m_appuser maker ON maker.id = pe.maker_id
+            LEFT JOIN m_appuser checker ON checker.id = pe.checker_id
+            """;
+
+    private static final RowMapper<ClientPendingEditData> MAPPER = (ResultSet rs, int rowNum) -> {
+        final OffsetDateTime submittedDate = rs.getObject("submittedDate", OffsetDateTime.class);
+        final OffsetDateTime checkedDate = rs.getObject("checkedDate", OffsetDateTime.class);
+        return ClientPendingEditData.builder() //
+                .id(rs.getLong("id")) //
+                .clientId(rs.getLong("clientId")) //
+                .clientDisplayName(rs.getString("clientDisplayName")) //
+                .payloadJson(rs.getString("payloadJson")) //
+                .originalJson(rs.getString("originalJson")) //
+                .status(rs.getString("status")) //
+                .makerId(rs.getLong("makerId")) //
+                .makerName(rs.getString("makerName")) //
+                .submittedDate(submittedDate) //
+                .checkerId(JdbcSupport.getLong(rs, "checkerId")) //
+                .checkerName(rs.getString("checkerName")) //
+                .checkedDate(checkedDate) //
+                .rejectReason(rs.getString("rejectReason")) //
+                .build();
+    };
+
+    @Override
+    public ClientPendingEditData retrievePendingEdit(final Long clientId) {
+        try {
+            return this.jdbcTemplate.queryForObject(SELECT_SQL + " WHERE pe.client_id = ? AND pe.status = 'PENDING'", MAPPER, clientId);
+        } catch (final EmptyResultDataAccessException e) {
+            throw new ClientNoPendingEditException(clientId);
+        }
+    }
+
+    @Override
+    public Page<ClientPendingEditData> retrieveAllPendingEdits(final String status, final String clientName, final String fromDate,
+            final String toDate, final Integer offset, final Integer limit) {
+        final StringBuilder where = new StringBuilder(" WHERE 1=1");
+        final List<Object> args = new ArrayList<>();
+        if (StringUtils.isNotBlank(status)) {
+            where.append(" AND pe.status = ?");
+            args.add(status.trim().toUpperCase());
+        } else {
+            where.append(" AND pe.status = 'PENDING'");
+        }
+        if (StringUtils.isNotBlank(clientName)) {
+            where.append(" AND c.display_name ILIKE ?");
+            args.add("%" + clientName.trim() + "%");
+        }
+        if (StringUtils.isNotBlank(fromDate)) {
+            where.append(" AND pe.submitted_date::date >= ?::date");
+            args.add(fromDate);
+        }
+        if (StringUtils.isNotBlank(toDate)) {
+            where.append(" AND pe.submitted_date::date <= ?::date");
+            args.add(toDate);
+        }
+
+        final String countSql = "SELECT COUNT(*) FROM m_client_pending_edit pe JOIN m_client c ON c.id = pe.client_id" + where;
+        final Long totalFilteredRecords = this.jdbcTemplate.queryForObject(countSql, Long.class, args.toArray());
+
+        final int pageOffset = offset == null ? 0 : offset;
+        final int pageLimit = limit == null ? 10 : limit;
+        final String pageSql = SELECT_SQL + where + " ORDER BY pe.submitted_date DESC LIMIT ? OFFSET ?";
+        final List<Object> pageArgs = new ArrayList<>(args);
+        pageArgs.add(pageLimit);
+        pageArgs.add(pageOffset);
+        final List<ClientPendingEditData> items = this.jdbcTemplate.query(pageSql, MAPPER, pageArgs.toArray());
+
+        return new Page<>(items, totalFilteredRecords == null ? 0 : totalFilteredRecords.intValue());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientReadPlatformServiceImpl.java

@@ -178,6 +178,16 @@ public class ClientReadPlatformServiceImpl implements ClientReadPlatformService
             extraCriteria += " and c.status_enum = " + clientStatus.getValue().toString() + " ";
         }
 
+        if (searchParameters.hasFromDate()) {
+            paramList.add(searchParameters.getFromDate().toString());
+            extraCriteria += " and c.submittedon_date >= ?::date ";
+        }
+
+        if (searchParameters.hasToDate()) {
+            paramList.add(searchParameters.getToDate().toString());
+            extraCriteria += " and c.submittedon_date <= ?::date ";
+        }
+
         if (firstname != null) {
             paramList.add(firstname);
             extraCriteria += " and c.firstname like ? ";

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientWritePlatformServiceJpaRepositoryImpl.java

@@ -74,6 +74,7 @@ import org.apache.fineract.portfolio.client.domain.ClientRepository;
 import org.apache.fineract.portfolio.client.domain.ClientRepositoryWrapper;
 import org.apache.fineract.portfolio.client.domain.ClientStatus;
 import org.apache.fineract.portfolio.client.domain.LegalForm;
+import org.apache.fineract.portfolio.client.exception.ClientActivationSelfApprovalNotAllowedException;
 import org.apache.fineract.portfolio.client.exception.ClientActiveForUpdateException;
 import org.apache.fineract.portfolio.client.exception.ClientHasNoStaffException;
 import org.apache.fineract.portfolio.client.exception.ClientMustBePendingToBeDeletedException;
@@ -1457,6 +1458,12 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
             runEntityDatatableCheck(clientId, client.getLegalForm());
 
             final AppUser currentUser = this.context.authenticatedUser();
+            // Four-eyes principle: whoever created this client (the maker) cannot also be the one
+            // who activates it (the checker) — no bypass, including for CHECKER_SUPER_USER, since
+            // that would recreate the exact "role bypasses the hold" loophole this closes.
+            if (client.getCreatedBy().isPresent() && client.getCreatedBy().get().equals(currentUser.getId())) {
+                throw new ClientActivationSelfApprovalNotAllowedException();
+            }
             client.activate(currentUser, fmt, activationDate);
             CommandProcessingResult result = openSavingsAccount(client, fmt);
             clientRepository.saveAndFlush(client);

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/KycRiskRulesReadPlatformServiceImpl.java

@@ -62,7 +62,12 @@ public class KycRiskRulesReadPlatformServiceImpl implements KycRiskRulesReadPlat
             rule.getMaxAnnualTurnover(),
             rule.getRiskCategory(),
             rule.getReason(),
-            rule.getOrderPosition()
+            rule.getOrderPosition(),
+            rule.getAmlCheckStatus(),
+            rule.getBannedEntityMatch(),
+            rule.getWillfulDefaulter(),
+            rule.getEcgcSalFlag(),
+            rule.getDormantFlag()
         );
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/fundtransfer/service/FundTransferWritePlatformServiceImpl.java

@@ -30,6 +30,7 @@ import org.apache.fineract.infrastructure.imps.data.ImpsRequestData;
 import org.apache.fineract.infrastructure.imps.data.ImpsResponseData;
 import org.apache.fineract.infrastructure.imps.data.PartyData;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.service.AmlFundTransferEvaluationService;
 import org.apache.fineract.portfolio.client.service.ClientReadPlatformService;
 import org.apache.fineract.portfolio.fundtransfer.data.ResolvedLimits;
 import org.apache.fineract.portfolio.fundtransfer.data.TransferResponseData;
@@ -76,6 +77,7 @@ public class FundTransferWritePlatformServiceImpl implements FundTransferWritePl
     private final SanctionsScreeningService sanctionsScreeningService;
     private final TransferChannelWindowValidator windowValidator;
     private final SuspenseGlService suspenseGl;
+    private final AmlFundTransferEvaluationService amlFundTransferEvaluationService;
 
     // ─── /verify ──────────────────────────────────────────────────────────
 
@@ -168,6 +170,7 @@ public class FundTransferWritePlatformServiceImpl implements FundTransferWritePl
 
         eventRepository.save(FundTransferEvent.of(saved.getId(), null, saved.getStatus(),
                 needsApproval ? "INITIATED_PENDING_APPROVAL" : "INITIATED_AUTO_EXECUTE", null, cashier.getId()));
+        amlFundTransferEvaluationService.evaluateIfSuccessful(saved);
 
         return FundTransferReadPlatformServiceImpl.toData(saved);
     }
@@ -190,6 +193,7 @@ public class FundTransferWritePlatformServiceImpl implements FundTransferWritePl
         executeStrategy(t);
         FundTransfer saved = fundTransferRepository.save(t);
         eventRepository.save(FundTransferEvent.of(saved.getId(), prev, saved.getStatus(), "APPROVED", null, approver.getId()));
+        amlFundTransferEvaluationService.evaluateIfSuccessful(saved);
         return FundTransferReadPlatformServiceImpl.toData(saved);
     }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/fundtransfer/service/NeftBatchProcessorService.java

@@ -26,6 +26,7 @@ import org.apache.fineract.infrastructure.imps.data.AccountData;
 import org.apache.fineract.infrastructure.imps.data.ImpsRequestData;
 import org.apache.fineract.infrastructure.imps.data.ImpsResponseData;
 import org.apache.fineract.infrastructure.imps.data.PartyData;
+import org.apache.fineract.portfolio.aml.service.AmlFundTransferEvaluationService;
 import org.apache.fineract.portfolio.fundtransfer.domain.FundTransfer;
 import org.apache.fineract.portfolio.fundtransfer.domain.FundTransferEvent;
 import org.apache.fineract.portfolio.fundtransfer.domain.FundTransferEventRepository;
@@ -54,6 +55,7 @@ public class NeftBatchProcessorService {
     private final FundTransferEventRepository eventRepository;
     private final ImpsSwitchClient switchClient;
     private final SuspenseGlService suspenseGl;
+    private final AmlFundTransferEvaluationService amlFundTransferEvaluationService;
 
     @Value("${fineract.imps.our-default-ifsc:BANK0000001}")
     private String ourDefaultIfsc;
@@ -109,6 +111,7 @@ public class NeftBatchProcessorService {
             fundTransferRepository.save(t);
             eventRepository.save(FundTransferEvent.of(t.getId(), prev, mapped, "NEFT_BATCH_PROCESSED",
                     "code=" + code, null));
+            amlFundTransferEvaluationService.evaluateIfSuccessful(t);
             log.info("[NeftBatchProcessor] txnRef={} {} → {} utr={}", t.getTxnRef(), prev, mapped, t.getUtr());
             return mapped;
         } catch (RuntimeException ex) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/sanctions/data/SanctionsScreeningResult.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.sanctions.data;
 
+import java.time.OffsetDateTime;
 import java.util.List;
 
 /**
@@ -32,10 +33,11 @@ public final class SanctionsScreeningResult {
     private final String message;
     private final int matchCount;
     private final List<SanctionsMatchData> matches;
+    private final OffsetDateTime listDataAsOf;
 
     private SanctionsScreeningResult(final Long screeningLogId, final String screenedName, final boolean matchFound,
             final String status, final String message, final int matchCount,
-            final List<SanctionsMatchData> matches) {
+            final List<SanctionsMatchData> matches, final OffsetDateTime listDataAsOf) {
         this.screeningLogId = screeningLogId;
         this.screenedName = screenedName;
         this.matchFound = matchFound;
@@ -43,20 +45,22 @@ public final class SanctionsScreeningResult {
         this.message = message;
         this.matchCount = matchCount;
         this.matches = matches;
+        this.listDataAsOf = listDataAsOf;
     }
 
     public static SanctionsScreeningResult matched(final Long screeningLogId, final String screenedName,
-            final List<SanctionsMatchData> matches) {
+            final List<SanctionsMatchData> matches, final OffsetDateTime listDataAsOf) {
         return new SanctionsScreeningResult(screeningLogId, screenedName, true, "FLAGGED",
                 "Potential match found in UN Security Council consolidated sanctions list. "
                         + "Manual review required before proceeding.",
-                matches.size(), matches);
+                matches.size(), matches, listDataAsOf);
     }
 
-    public static SanctionsScreeningResult clear(final Long screeningLogId, final String screenedName) {
+    public static SanctionsScreeningResult clear(final Long screeningLogId, final String screenedName,
+            final OffsetDateTime listDataAsOf) {
         return new SanctionsScreeningResult(screeningLogId, screenedName, false, "CLEAR",
                 "No match found in UN Security Council consolidated sanctions list.",
-                0, List.of());
+                0, List.of(), listDataAsOf);
     }
 
     public Long getScreeningLogId() { return screeningLogId; }
@@ -66,4 +70,5 @@ public final class SanctionsScreeningResult {
     public String getMessage() { return message; }
     public int getMatchCount() { return matchCount; }
     public List<SanctionsMatchData> getMatches() { return matches; }
+    public OffsetDateTime getListDataAsOf() { return listDataAsOf; }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/sanctions/service/SanctionsScreeningServiceImpl.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.sanctions.service;
 
+import java.time.OffsetDateTime;
 import java.util.List;
 import java.util.stream.Collectors;
 import lombok.RequiredArgsConstructor;
@@ -54,18 +55,19 @@ public class SanctionsScreeningServiceImpl implements SanctionsScreeningService
             final Long clientId, final String ipAddress) {
         if (name == null || name.isBlank()) {
             final Long logId = saveLog(name, "CLEAR", 0, null, null, source, clientId, ipAddress);
-            return SanctionsScreeningResult.clear(logId, name);
+            return SanctionsScreeningResult.clear(logId, name, sanctionsEntryRepository.findListLastLoadedOn().orElse(null));
         }
 
         final String trimmedName = name.trim();
         LOG.info("Screening name against sanctions list: {}", trimmedName);
 
+        final OffsetDateTime listDataAsOf = sanctionsEntryRepository.findListLastLoadedOn().orElse(null);
         final List<SanctionsEntry> matches = sanctionsEntryRepository.searchByNameOrAlias(trimmedName);
 
         if (matches.isEmpty()) {
             LOG.info("No sanctions match found for: {}", trimmedName);
             final Long logId = saveLog(trimmedName, "CLEAR", 0, null, null, source, clientId, ipAddress);
-            return SanctionsScreeningResult.clear(logId, trimmedName);
+            return SanctionsScreeningResult.clear(logId, trimmedName, listDataAsOf);
         }
 
         LOG.warn("Sanctions match found for '{}': {} potential match(es)", trimmedName, matches.size());
@@ -84,7 +86,7 @@ public class SanctionsScreeningServiceImpl implements SanctionsScreeningService
 
         final Long logId = saveLog(trimmedName, "FLAGGED", matches.size(), matchedEntryIds, matchedNames, source, clientId, ipAddress);
 
-        return SanctionsScreeningResult.matched(logId, trimmedName, matchDataList);
+        return SanctionsScreeningResult.matched(logId, trimmedName, matchDataList, listDataAsOf);
     }
 
     @Override

fineract-provider/src/main/java/org/apache/fineract/portfolio/self/client/api/SelfClientsApiResource.java

@@ -135,7 +135,7 @@ public class SelfClientsApiResource {
         final String hierarchy = null;
         final Boolean orphansOnly = null;
         return this.clientApiResource.retrieveAll(uriInfo, officeId, externalId, displayName, firstname, lastname, status, legalForm,
-                hierarchy, offset, limit, orderBy, sortOrder, orphansOnly, true);
+                hierarchy, offset, limit, orderBy, sortOrder, orphansOnly, true, null, null);
     }
 
     @GET

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/api/ShareAccountSummaryApiResource.java

@@ -0,0 +1,46 @@
+package org.apache.fineract.portfolio.shareaccounts.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+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.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.util.Collection;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.shareaccounts.data.ShareAccountClientSummaryData;
+import org.apache.fineract.portfolio.shareaccounts.service.ShareAccountReadPlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/shareaccounts/summary")
+@Component
+@Tag(name = "Share Account Summary", description = "Provides a highly optimized summary of all share accounts linked with their respective clients.")
+@RequiredArgsConstructor
+public class ShareAccountSummaryApiResource {
+
+    private final PlatformSecurityContext platformSecurityContext;
+    private final ShareAccountReadPlatformService shareAccountReadPlatformService;
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List all share accounts with client details", description = "Retrieves all share accounts along with their associated client details in a single optimized query.\n\n"
+            + "Example Requests:\n\n" + "shareaccounts/summary")
+    @ApiResponse(responseCode = "200", description = "OK")
+    public Collection<ShareAccountClientSummaryData> retrieveAllSummaries(@QueryParam("searchTerm") final String searchTerm) {
+        long start = System.currentTimeMillis();
+        System.out.println("[TIMING] Start of retrieveAllSummaries (before auth)");
+        this.platformSecurityContext.authenticatedUser();
+        long afterAuth = System.currentTimeMillis();
+        System.out.println("[TIMING] Auth check: " + (afterAuth - start) + "ms");
+        Collection<ShareAccountClientSummaryData> result = this.shareAccountReadPlatformService.retrieveAllShareAccountClientSummaries(searchTerm);
+        long afterService = System.currentTimeMillis();
+        System.out.println("[TIMING] Service call total (including query): " + (afterService - afterAuth) + "ms");
+        System.out.println("[TIMING] Right before response returned: " + (System.currentTimeMillis() - start) + "ms total so far");
+        return result;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/data/ShareAccountClientSummaryData.java

@@ -0,0 +1,54 @@
+package org.apache.fineract.portfolio.shareaccounts.data;
+
+import java.io.Serializable;
+import java.time.LocalDate;
+import lombok.Getter;
+import org.apache.fineract.organisation.monetary.data.CurrencyData;
+import org.apache.fineract.portfolio.shareaccounts.data.ShareAccountStatusEnumData;
+
+@Getter
+public class ShareAccountClientSummaryData implements Serializable {
+
+    private final Long id;
+    private final Long clientId;
+    private final String clientName;
+    private final Long officeId;
+    private final String officeName;
+    private final String accountNo;
+    private final Long productId;
+    private final String productName;
+    private final Long totalApprovedShares;
+    private final Long totalPendingForApprovalShares;
+    private final CurrencyData currency;
+    private final LocalDate activatedDate;
+    private final ShareAccountStatusEnumData status;
+
+    public ShareAccountClientSummaryData(final Long id, final Long clientId, final String clientName, final Long officeId, final String officeName, final String accountNo,
+            final Long productId, final String productName, final Long totalApprovedShares, final Long totalPendingForApprovalShares,
+            final CurrencyData currency, final LocalDate activatedDate, final ShareAccountStatusEnumData status) {
+        this.id = id;
+        this.clientId = clientId;
+        this.clientName = clientName;
+        this.officeId = officeId;
+        this.officeName = officeName;
+        this.accountNo = accountNo;
+        this.productId = productId;
+        this.productName = productName;
+        
+        if (totalApprovedShares == null) {
+            this.totalApprovedShares = Long.valueOf(0);
+        } else {
+            this.totalApprovedShares = totalApprovedShares;
+        }
+        
+        if (totalPendingForApprovalShares == null) {
+            this.totalPendingForApprovalShares = Long.valueOf(0);
+        } else {
+            this.totalPendingForApprovalShares = totalPendingForApprovalShares;
+        }
+        
+        this.currency = currency;
+        this.activatedDate = activatedDate;
+        this.status = status;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/service/ShareAccountReadPlatformService.java

@@ -23,6 +23,7 @@ import java.util.Collection;
 import java.util.Set;
 import org.apache.fineract.portfolio.accounts.service.AccountReadPlatformService;
 import org.apache.fineract.portfolio.shareaccounts.data.ShareAccountData;
+import org.apache.fineract.portfolio.shareaccounts.data.ShareAccountClientSummaryData;
 
 public interface ShareAccountReadPlatformService extends AccountReadPlatformService {
 
@@ -38,5 +39,7 @@ public interface ShareAccountReadPlatformService extends AccountReadPlatformServ
     Collection<ShareAccountData> retrieveAllShareAccountDataForDividends(Long productId, boolean fetchInActiveAccounts,
             LocalDate startDate);
 
+    Collection<ShareAccountClientSummaryData> retrieveAllShareAccountClientSummaries(String searchTerm);
+
     String retrieveAccountNumberByAccountId(Long accountId);
 }