kyc risk and AML & Compliance Checks automate on client creation

2026-07-31 10:58:58 +05:30
parent 29f1cdc646
commit 1daa12a117
17 changed files with 1113 additions and 1347 deletions
@@ -2126,7 +2126,15 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
    return generalDetails;
  }

-  get calculatedRisk(): { category: number; reason: string } {
+  get calculatedRisk(): {
+    category: number;
+    reason: string;
+    amlCheckStatus?: string;
+    bannedEntityMatch?: string;
+    willfulDefaulter?: string;
+    ecgcSalFlag?: string;
+    dormantFlag?: string;
+  } {
    const legalFormId = this.createClientForm.get('legalFormId')?.value || 1; // 1 = Person, 2 = Entity
    const occCatId = this.createClientForm.get('occupationCategoryCvId')?.value;
    const occId = this.createClientForm.get('occupationCvId')?.value;
@@ -2143,6 +2151,21 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
    // Evaluate rules from DB (ordered by orderPosition ASC)
    if (this.riskRules && this.riskRules.length > 0) {
      for (const rule of this.riskRules) {
+        // Skip transaction/AML rules that have no KYC criteria
+        if (
+          rule.legalFormId == null &&
+          rule.occupationCategoryCvId == null &&
+          rule.occupationCvId == null &&
+          rule.minMonthlyIncome == null &&
+          rule.maxMonthlyIncome == null &&
+          rule.minAnnualIncome == null &&
+          rule.maxAnnualIncome == null &&
+          rule.minAnnualTurnover == null &&
+          rule.maxAnnualTurnover == null
+        ) {
+          continue;
+        }
+
        // Match legal form
        if (rule.legalFormId != null && rule.legalFormId !== legalFormId) {
          continue;
@@ -2183,15 +2206,39 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
        }

        // All matched!
-        return { category: rule.riskCategory, reason: rule.reason };
+        return {
+          category: rule.riskCategory,
+          reason: rule.reason,
+          amlCheckStatus: rule.amlCheckStatus || (rule.riskCategory === 3 ? 'FLAGGED' : 'CLEAR'),
+          bannedEntityMatch: rule.bannedEntityMatch || 'NO',
+          willfulDefaulter: rule.willfulDefaulter || 'NO',
+          ecgcSalFlag: rule.ecgcSalFlag || 'NO',
+          dormantFlag: rule.dormantFlag || 'ACTIVE'
+        };
      }
    }

    // Default Fallbacks
    if (legalFormId !== LegalFormId.PERSON) {
-      return { category: 2, reason: 'Non-Individual / Entity profile (Default Medium Risk)' };
+      return {
+        category: 2,
+        reason: 'Non-Individual / Entity profile (Default Medium Risk)',
+        amlCheckStatus: 'CLEAR',
+        bannedEntityMatch: 'NO',
+        willfulDefaulter: 'NO',
+        ecgcSalFlag: 'NO',
+        dormantFlag: 'ACTIVE'
+      };
    }
-    return { category: 1, reason: 'Default Low Risk profile (Salary / Service / Agriculture / Others)' };
+    return {
+      category: 1,
+      reason: 'Default Low Risk profile (Salary / Service / Agriculture / Others)',
+      amlCheckStatus: 'CLEAR',
+      bannedEntityMatch: 'NO',
+      willfulDefaulter: 'NO',
+      ecgcSalFlag: 'NO',
+      dormantFlag: 'ACTIVE'
+    };
  }
 }