risk review report with on which aml rule

2026-08-02 21:40:34 +05:30
parent ebe67cc410
commit b43ed87771
13 changed files with 5098 additions and 327 deletions
@@ -320,6 +320,316 @@ export const CTR_TXNS: CtrTransaction[] = [
  }
 ];

+/**
+ * ── TC1: ATM / card transactions ──
+ *
+ * TC2 carries what happened at the counter; TC1 carries what happened at the
+ * card rails. Both feed the same CTR, because an ATM cash withdrawal is still
+ * a cash transaction and counts towards the customer's monthly aggregate.
+ *
+ * Every row here belongs to an account that is already in CTR_TXNS and carries
+ * the same reportRefNo, so the six FINnet files reconcile against each other.
+ */
+export interface CardTransaction {
+  reportType: ReportType;
+  reportRefNo: number;
+  branchCode: string;
+  accountNumber: string;
+  /** FINnet account-type code, same codes used in Account_Detail. */
+  accountType: string;
+  relationshipFlag: 'Customer' | 'Non-Customer';
+  /** Settled at the switch, or declined / reversed. */
+  txnStatus: 'Success' | 'Failed' | 'Reversed';
+  txnId: number;
+  txnDate: string;
+  txnTime: string;
+  depositOrWithdrawal: 'Deposit' | 'Withdrawal';
+  txnAmount: number;
+  cardType: 'RuPay Debit' | 'VISA Debit' | 'Mastercard Debit';
+  /** Masked to the last four digits — the PAN itself is never put in the file. */
+  cardNumber: string;
+  /** FINnet country code; 95 is India, as used across the KC files. */
+  cardIssuingCountry: string;
+  cardIssuingBank: string;
+  /** NFS / NPCI switch reference for the leg. */
+  switchTxnId: string;
+  atmId: string;
+  /** UI convenience, not part of the TC1 schema. */
+  customerName?: string;
+}
+
+export const TC1_TXNS: CardTransaction[] = [
+  // Ref 1 — ANAND KRISHNAN: routine ATM usage alongside a large counter deposit.
+  {
+    reportType: 'CTR',
+    reportRefNo: 1,
+    branchCode: '1',
+    accountNumber: '110001101000838',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9001,
+    txnDate: '06-01-2026',
+    txnTime: '19:42:11',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 20000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX4417',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26010600418',
+    atmId: 'NEXA0001',
+    customerName: 'ANAND KRISHNAN'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 1,
+    branchCode: '1',
+    accountNumber: '110001101000838',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9002,
+    txnDate: '18-01-2026',
+    txnTime: '11:07:53',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 25000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX4417',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011800911',
+    atmId: 'NEXA0003',
+    customerName: 'ANAND KRISHNAN'
+  },
+
+  // Ref 2 — MEERA SUNDARAM: card cash-out at another bank's ATM.
+  {
+    reportType: 'CTR',
+    reportRefNo: 2,
+    branchCode: '3',
+    accountNumber: '110001204000712',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9003,
+    txnDate: '09-01-2026',
+    txnTime: '20:15:36',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 10000,
+    cardType: 'VISA Debit',
+    cardNumber: 'XXXXXXXXXXXX8820',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26010901277',
+    atmId: 'SBIN004512',
+    customerName: 'MEERA SUNDARAM'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 2,
+    branchCode: '3',
+    accountNumber: '110001204000712',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    // Declined for insufficient balance. Failed legs are still reported: the
+    // attempt itself is part of the customer's pattern.
+    txnStatus: 'Failed',
+    txnId: 9004,
+    txnDate: '09-01-2026',
+    txnTime: '20:17:02',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 20000,
+    cardType: 'VISA Debit',
+    cardNumber: 'XXXXXXXXXXXX8820',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26010901284',
+    atmId: 'SBIN004512',
+    customerName: 'MEERA SUNDARAM'
+  },
+
+  // Ref 3 — HARPREET SINGH BEDI: cash recycler deposit through the card.
+  {
+    reportType: 'CTR',
+    reportRefNo: 3,
+    branchCode: '6',
+    accountNumber: '110001307000455',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9005,
+    txnDate: '12-01-2026',
+    txnTime: '13:28:44',
+    depositOrWithdrawal: 'Deposit',
+    txnAmount: 49500,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX6193',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011200630',
+    atmId: 'NEXA0002-CRM',
+    customerName: 'HARPREET SINGH BEDI'
+  },
+
+  // Ref 4 — FAROOQ ABDULLAH KHAN: repeated near-limit withdrawals in one day.
+  {
+    reportType: 'CTR',
+    reportRefNo: 4,
+    branchCode: '2',
+    accountNumber: '110001408000933',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9006,
+    txnDate: '16-01-2026',
+    txnTime: '09:03:19',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 50000,
+    cardType: 'Mastercard Debit',
+    cardNumber: 'XXXXXXXXXXXX2075',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011600142',
+    atmId: 'NEXA0004',
+    customerName: 'FAROOQ ABDULLAH KHAN'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 4,
+    branchCode: '2',
+    accountNumber: '110001408000933',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9007,
+    txnDate: '16-01-2026',
+    txnTime: '09:06:41',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 50000,
+    cardType: 'Mastercard Debit',
+    cardNumber: 'XXXXXXXXXXXX2075',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011600149',
+    atmId: 'NEXA0004',
+    customerName: 'FAROOQ ABDULLAH KHAN'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 4,
+    branchCode: '2',
+    accountNumber: '110001408000933',
+    accountType: '211',
+    relationshipFlag: 'Customer',
+    // Dispensed short and auto-reversed by the switch the same evening.
+    txnStatus: 'Reversed',
+    txnId: 9008,
+    txnDate: '16-01-2026',
+    txnTime: '09:09:05',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 50000,
+    cardType: 'Mastercard Debit',
+    cardNumber: 'XXXXXXXXXXXX2075',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26011600155',
+    atmId: 'NEXA0004',
+    customerName: 'FAROOQ ABDULLAH KHAN'
+  },
+
+  // Ref 5 — DEEPIKA RANGANATHAN
+  {
+    reportType: 'CTR',
+    reportRefNo: 5,
+    branchCode: '9',
+    accountNumber: '110001509000268',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9009,
+    txnDate: '21-01-2026',
+    txnTime: '17:51:28',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 15000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX9354',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012101508',
+    atmId: 'HDFC009871',
+    customerName: 'DEEPIKA RANGANATHAN'
+  },
+
+  // Ref 6 — RAJENDRA PRASAD YADAV
+  {
+    reportType: 'CTR',
+    reportRefNo: 6,
+    branchCode: '5',
+    accountNumber: '110001610000841',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9010,
+    txnDate: '23-01-2026',
+    txnTime: '10:34:12',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 40000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX1268',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012300287',
+    atmId: 'NEXA0005',
+    customerName: 'RAJENDRA PRASAD YADAV'
+  },
+  {
+    reportType: 'CTR',
+    reportRefNo: 6,
+    branchCode: '5',
+    accountNumber: '110001610000841',
+    accountType: '215',
+    relationshipFlag: 'Customer',
+    txnStatus: 'Success',
+    txnId: 9011,
+    txnDate: '28-01-2026',
+    txnTime: '18:22:47',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 35000,
+    cardType: 'RuPay Debit',
+    cardNumber: 'XXXXXXXXXXXX1268',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012801733',
+    atmId: 'NEXA0005',
+    customerName: 'RAJENDRA PRASAD YADAV'
+  },
+
+  // Ref 7 — SHABANA TARIQ MIRZA: the account's card is used by a third party,
+  // which is why the relationship flag differs from the rest.
+  {
+    reportType: 'CTR',
+    reportRefNo: 7,
+    branchCode: '12',
+    accountNumber: '110001711000527',
+    accountType: '215',
+    relationshipFlag: 'Non-Customer',
+    txnStatus: 'Success',
+    txnId: 9012,
+    txnDate: '27-01-2026',
+    txnTime: '21:08:33',
+    depositOrWithdrawal: 'Withdrawal',
+    txnAmount: 30000,
+    cardType: 'VISA Debit',
+    cardNumber: 'XXXXXXXXXXXX7741',
+    cardIssuingCountry: '95',
+    cardIssuingBank: 'CBSNexora Bank Ltd',
+    switchTxnId: 'NFS26012702094',
+    atmId: 'ICIC007233',
+    customerName: 'SHABANA TARIQ MIRZA'
+  }
+];
+
 /**
 * ── STR cases ──
 * Raised either by the AML rules engine or by an officer flagging a CTR row as