feat: add KYC document renewal alerts, Aadhaar/PAN exceptions, and AML recurring alerts UI; remove old journal AML marking

src/app/clients/kyc-exception.util.ts

@@ -29,8 +29,28 @@ export const AUTO_MANAGED_KYC_EXCEPTION_REASONS: string[] = [
 export interface KycExceptionInput {
   /** PAN verified against the Income Tax database. Unverified OR simply not entered → exception. */
   panVerified: boolean;
+  /**
+   * A signed customer declaration has been accepted in place of a passing PAN check.
+   *
+   * The Income Tax check matches on name *and* date of birth, so a client whose PAN card carries a
+   * different spelling — or a different DOB — can never clear it, however many times the officer
+   * retries. Once the branch holds a declaration recording exactly what differs, the outstanding
+   * item is closed by paperwork rather than by the API, and it must not keep the client sitting in
+   * the exception list. PAN still reads as unverified everywhere else; only the exception is waived.
+   */
+  panDeclarationTaken?: boolean;
   /** Aadhaar verified against UIDAI. Unverified OR simply not entered → exception. */
   aadhaarVerified: boolean;
+  /**
+   * The customer's Aadhaar enrolment slip has been sighted and recorded.
+   *
+   * A customer who has applied for Aadhaar but has not been issued one yet holds only a UIDAI
+   * enrolment receipt. There is no Aadhaar number to put through the OTP flow, so the check cannot
+   * pass however long the branch waits — the same dead end the PAN declaration exists to resolve.
+   * Once the receipt is on file the outstanding item is closed by paperwork, and the client must
+   * not keep sitting in the exception list. Aadhaar still reads as unverified everywhere else.
+   */
+  aadhaarReceiptTaken?: boolean;
   /**
    * False for non-individual clients, where no Aadhaar is collected (the payload sends a dummy
    * masked value). Without this guard every company would carry a permanent Aadhaar exception.
@@ -69,10 +89,13 @@ export interface KycExceptionFields {
 export function deriveKycExceptionFields(input: KycExceptionInput): KycExceptionFields {
   const outstanding: string[] = [];
 
-  if (!input.panVerified) {
+  // A declaration settles the PAN item without the API ever passing — see `panDeclarationTaken`.
+  if (!input.panVerified && !input.panDeclarationTaken) {
     outstanding.push(KYC_EXCEPTION_PAN);
   }
-  if (input.aadhaarApplicable && !input.aadhaarVerified) {
+  // An enrolment receipt settles the Aadhaar item when the OTP check has nothing to run against —
+  // see `aadhaarReceiptTaken`.
+  if (input.aadhaarApplicable && !input.aadhaarVerified && !input.aadhaarReceiptTaken) {
     outstanding.push(KYC_EXCEPTION_AADHAAR);
   }