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Title: Inbound Direct Debit Manual Return via Portal UI with FinCrime _:{fa-check-circle} _Prerequisites_ note: * ClearBank **IBAN** is mapped to Mambu Deposit account & **Virtual Account ID** is linked to Deposit Account * **Client Money Account** & **Bacs Suspense Account** are Available and Active * **Deposit Account** is Active | Approved * `monitorDirectDebitTransaction` is `true` in Mambu Config * **Accounting** is configured at `Deposit Product` level group:**Bacs: three-day processing cycle** _: **`Day 1 of Bacs Processing Cycle`** Bacs --> Bacs: **Input Day**: The Service User submits the payment to Bacs _: **`Day 2 of Bacs Processing Cycle`** ClearBank --> ClearBank: **The Processing Day**: Payment details are validated Bacs --> ClearBank: _Bacs_ outputs to _ClearBank_ ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectDebitInboundPaymentCreated** webhook is sent MPO -->> ClearBank: Confirm received webhook MPO -> MPO: AML status: `Pending` MPO --> Mambu: *Accounting*: (Debit) Scheme & (Credit) Transit MPO -> ComplyAdvantage: Submit **transaction** to ComplyAdvantage _:{fa-cogs} Alerts Review if:{fa-check-circle} `Accepted` transaction MPO -->>MPO:{fa-thumbs-up} AML status: `Accepted` MPO -->>MPO: {fa-box} Store the payment in AML _Accepted_ state note_: {fa-flag} **Accepted** Flow continues on `Day 3 of Bacs Processing Cycle` end if:{fa-minus-circle} `Rejected` transaction MPO -->>MPO:{fa-thumbs-down} AML status: `Rejected` MPO -->>MPO: {fa-box} Store the payment in AML _Rejected_ state note_: {fa-flag} **Rejected** Flow continues on `Day 3 of Bacs Processing Cycle` end if:{fa-exclamation-circle} `Suspended` transaction MPO -->>MPO:{fa-question-circle} AML status: `Suspended` MPO -->>MPO: {fa-box} Store the payment in AML _Suspended_ state note_: {fa-flag} **Suspended** Flow continues on `Day 3 of Bacs Processing Cycle` end _: **`Day 3 of Bacs Processing Cycle`** ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** (_Debit_) webhook is sent MPO -->> ClearBank: Confirm received webhook if:{fa-check-circle} AML Accepted MPO --> Mambu: *Accounting*: (Debit) Transit & (Credit) Scheme MPO -> Mambu: **Withdrawal** transaction is created in Mambu MPO --> Mambu: *Accounting*: (_Debit_) Savings Control & (_Credit_) Scheme MPO -->>MPO: {fa-box} Store the payment in _Transaction with Withdrawal Made_ state end if:{fa-minus-circle} AML Rejected MPO --> Mambu: *Accounting*: (Debit) Suspense & (Credit) Scheme MPO -> Mambu: **Withdrawal** transaction is created in Mambu MPO --> Mambu: *Accounting*: (_Debit_) Savings Control & (_Credit_) Scheme MPO -->>MPO: {fa-box} Store the payment in _Transaction with Withdrawal Made_ state end if:{fa-exclamation-circle} AML Suspended MPO --> Mambu: *Accounting*: (Debit) Suspense & (Credit) Scheme MPO -> Mambu: **Withdrawal** transaction is created in Mambu MPO --> Mambu: *Accounting*: (_Debit_) Savings Control & (_Credit_) Scheme MPO -->>MPO: {fa-box} Store the payment in _Transaction with Withdrawal Made_ state end _: **`Day 3 (Day 1 of ARUDD Cycle)`** ClearBank -->> ClearBank: Return is initiated and Approved (4 eye principle) ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** webhook is sent (Transfer - **Credit** - Bacs Suspense Account) MPO -->> ClearBank: Confirm received webhook ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** webhook is sent (Transfer - **Debit** - Bacs Suspense Account) MPO -->> ClearBank: Confirm received webhook ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectDebitReturnCreated** webhook is sent MPO -->> ClearBank: Confirm received webhook MPO -->>MPO: {fa-box} Store the return **OriginalBacsTransactionId** with `portalReturnDay5` = _true_ _: **`Day 4 (Day 2 of ARUDD Cycle)`** Bacs --> Bacs: **Processing Day**: return details are validated (_contras_) _: **`Day 5 (Day 3 of ARUDD Cycle)`** ClearBank --> ClearBank: **The Entry Day**: Settlement of the funds if:** settlement is made** ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** (_Credit_) webhook is sent with `IsReturned` = _true_ MPO -->> ClearBank: Confirm received webhook if:{fa-check-circle} Transaction with Withdrawal Made MPO -> Mambu: **Withdrawal** transaction is adjusted in Mambu by posting a **Deposit** transaction (channel _CB_Return_BACS_) MPO --> Mambu: *Accounting*: (_Debit_) Scheme & (_Credit_) Savings Control MPO -->>MPO: {fa-box} Store the payment in _Return_ state end else:** settlement is NOT made** ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsCreditPaymentNotSettled** webhook is sent MPO -->> ClearBank: Confirm received webhook _:{fa-bell} Send **Notification** end note_: {fa-flag} After Alerts are reviewed for an Accepted payment with action `I` (Ignore) ComplyAdvantage -->> ComplyAdvantage: Accept/Reject `In Review` alerts ComplyAdvantage -->> MPO: {fa-assistive-listening-systems} **Alerts** webhook(s) triggered by ComplyAdvantage ComplyAdvantage -->> MPO: **1.** Send AML Review Results (`Accept` OR `Reject`) MPO -->> MPO: {fa-thumbs-up} AML status: `Accepted` note_: Transaction AML status is `Ignored`, action = `Skip`. Payment was already returned. MPO -->> MPO: {fa-thumbs-down} AML status: `Rejected` note_: Transaction AML status is `Ignored`, action = `Skip`. Payment was already returned. ComplyAdvantage -->> MPO: **2.** Send AML Review Results (`Accept` AND `Reject`) MPO -->> MPO: AML status `Invalid`