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Title: Bacs Inbound Direct Credit 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 * `monitorDirectCreditTransaction` is `true` in Mambu Config * **Accounting** is configured at `Deposit Product` level group:**Bacs: three-day processing cycle** _: **`Day One of Processing`** Bacs --> Bacs: **Input Day**: The Service User submits the payment to Bacs _: **`Day Two of Processing`** ClearBank --> ClearBank: **The Processing Day**: The Service User submits the payment to Bacs Bacs --> ClearBank: _Bacs_ outputs to _ClearBank_ ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectCreditInboundPaymentCreated** 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 group: Only Soft Stop if:{fa-check-circle}`action` = `I` OR **No Alerts**: `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 Three of Processing` end if: {fa-exclamation-circle} `action` = `S`: `Suspended` transaction MPO -->> MPO: {fa-thumb-tack} AML status: `Suspended` MPO -> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Suspense note_: {fa-flag} Alerts Analyser `Soft Stop` 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` MPO -> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Transit MPO -->>MPO:{fa-box} Store the payment in AML _Accepted_ note_: {fa-flag} **Accepted** Flow continues on `Day Three of Processing` MPO -->> MPO: {fa-thumbs-down} AML status: `Rejected` note_: {fa-flag} **Rejected** Flow continues on `Day Three of Processing` ComplyAdvantage -->> MPO: **2.** Send AML Review Results (`Accept` AND `Reject`) MPO -->> MPO: AML status `Invalid` end if:{fa-check-circle} Only `Hard Stop` with `action` = `S` or/and Soft Stop with `action` = `I`: `Accepted` transaction MPO -->> MPO: {fa-thumb-tack} AML status: `Suspended` MPO -> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Suspense note_: {fa-warning} All Hard Stop alerts Rejected MPO -->> MPO: {fa-thumbs-up} AML status: `Accepted` MPO --> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Transit MPO -->>MPO:{fa-box} Store the payment in AML _Accepted_ state note_: {fa-flag} **Accepted** Flow continues on `Day Three of Processing` note_: {fa-warning} At least one Hard Stop alerts Accepted MPO -->> MPO: {fa-thumbs-down} AML status: `Rejected` note_: {fa-flag} **Rejected** Flow continues on `Day Three of Processing` end if: {fa-times-circle} At least one `Hard Stop` with `action` = `R`: `Rejected` transaction MPO -->> MPO: {fa-thumbs-down} AML status: `Rejected` note_: {fa-flag} **Rejected** Flow continues on `Day Three of Processing` end if: {fa-exclamation-circle} All `Rejected Hard Stop` with `action` = `S` and `Soft Stop` with `action` = `S` alerts: `Suspended` transaction MPO -->> MPO: {fa-thumb-tack} Hard Stop AML status: `Suspended` MPO -> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Suspense note_: {fa-warning} All Hard Stop alerts Rejected MPO -->> MPO: {fa-thumb-tack} Soft Stop AML status: `Suspended` note_: {fa-warning} All Soft Stop alerts Rejected MPO -->> MPO: {fa-thumbs-up} AML status: `Accepted` MPO --> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Transit note_: {fa-flag} **Accepted** Flow continues on `Day Three of Processing` note_: {fa-warning} All Soft Stop alerts Accepted MPO -->> MPO: {fa-thumbs-down} AML status: `Rejected` note_: {fa-flag} **Rejected** Flow continues on `Day Three of Processing` end _: {fa-flag} Alerts Analyser: when Soft Stop action = `I` or Hard Stop action `R` or at least one Accepted Hard Stop action `S` ComplyAdvantage -->> ComplyAdvantage: Accept/Reject `In Review` alerts ComplyAdvantage -->> MPO: {fa-assistive-listening-systems} **Alerts** webhook(s) triggered ComplyAdvantage -->> MPO: Send AML Review Results (`Accept` OR/AND `Reject`) note: Transaction AML status is `Ignored`, action = `Skip` _:{fa-bell} Send **Notification** end _: **`Day Three of Processing`** ClearBank ->> MPO: {fa-assistive-listening-systems} **TransactionSettled** webhook is sent MPO -->> ClearBank: Confirm received webhook if:{fa-check-circle} AML Accepted note_: Process `Inbound Direct Credit - Deposit [API]` is triggered Mambu -->> MPO: Search **depositAccountId** by IBAN in Mambu Mambu -->> MPO: Get Mambu Client/Group & **Deposit** Details if:** `confirmationOfPayee` = true ** note_1: Mambu **Client Name** `is different` to Clearbank **Transaction Owner Name** transaction is Returned else:** `confirmationOfPayee` = true/false ** MPO -> MPO: Mambu **Client Name** `is different` to Clearbank **Owner Name** transaction MPO -> ClearBank: **Update** Virtual Account *Owner Name* in ClearBank ClearBank -->> MPO : Verify **Virtual Account ID** and **IBAN** linkage in ClearBank _: **IF** *virtualAccountStatus* is `enabled` and *virtualAccountIBAN* `equals` *depositIban* MPO -> Mambu: **Deposit** transaction is created in Mambu MPO --> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Savings Control end if:{fa-check-circle} AML Rejected if: Rejected was sent until/on Day 4 MPO --> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Scheme MPO -->>MPO:{fa-box} Store the payment in AML _Returned_ state MPO -> ClearBank: Initiate **Return** transaction in ClearBank ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectCreditReturnCreated** webhook is sent MPO -->> ClearBank: Confirm received webhook end if: Rejected was sent after Day 4 MPO --> Mambu: *Accounting*: (_Debit_) Suspense & (_Credit_) Withhold MPO -->>MPO:{fa-box} Store the payment in AML _Rejected_ state _:{fa-bell} Send **Notification** end end