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Title: Inbound Direct Debit Manual Return via APIs 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 _: **`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 note_: Process `Inbound Direct Debit - Withdrawal [API]` is triggered but fails MPO -> ClearBank: Initiate **Return** transaction in ClearBank via APIs => `manualReturn` = **true** MPO --> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Scheme MPO -->>MPO: {fa-box} Store the payment in _Return_ state end if:{fa-check-circle} AML Rejected note_: Process `Inbound Direct Debit - Withdrawal [API]` is triggered but fails MPO -> ClearBank: Initiate **Return** transaction in ClearBank via APIs => `manualReturn` = **true** MPO --> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Scheme MPO -->>MPO: {fa-box} Store the payment in _Return_ state end if:{fa-check-circle} AML Suspended note_: Process `Inbound Direct Debit - Withdrawal [API]` is triggered but fails MPO -> ClearBank: Initiate **Return** transaction in ClearBank via APIs => `manualReturn` = **true** MPO --> Mambu: *Accounting*: (_Debit_) Transit & (_Credit_) Scheme MPO -->>MPO: {fa-box} Store the payment in _Return_ state _:{fa-bell} Send **Notification** end _: **`Day 3 (Day 1 of ARUDD Cycle)`** ClearBank --> ClearBank: **Input Day**: Return is initiated ClearBank ->> MPO: {fa-assistive-listening-systems} **BacsDirectDebitReturnCreated** webhook is sent -> `scheme` = _API_ MPO -->> ClearBank: Confirm received webhook _: **`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 note_: {fa-flag} Payload is ignored since the payment is already Returned in Clearbank and there is no Withdrawal transaction in Mambu 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) or Suspended payment 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`