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Title: Bacs Inbound Direct Debit 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 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} **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 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-check-circle}`action` = `S` : `Suspended` transaction MPO -->>MPO:{fa-question} AML status: `Suspended` MPO --> Mambu: *Accounting*: (Debit) Transit & (Credit) Suspense MPO -->>MPO: {fa-box} Store the payment in AML _Suspended_ state note_: {fa-flag} Alerts Analyser `Soft Stop` ComplyAdvantage --> ComplyAdvantage: Accept/Reject `In Review` alerts ComplyAdvantage --> MPO: {fa-assistive-listening-systems} **Alerts** webhooks(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_ state note_: {fa-flag} **Accepted** Flow continues on `Day Three of Processing` MPO -->>MPO:{fa-thumbs-down} AML status: `Rejected` MPO --> Mambu: *Accounting*: (Debit) Suspense & (Credit) Transit MPO -->>MPO: {fa-box} Store the payment in AML _Rejected_ state note_: {fa-flag} **Rejected** Flow continues on `Day Three of Processing` end _: **`Day Three of Processing`** 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 end if:{fa-check-circle} AML Rejected MPO --> Mambu: *Accounting*: (Debit) Transit & (Credit) Scheme MPO -> Mambu: **Withdrawal** transaction is created in Mambu MPO --> Mambu: *Accounting*: (_Debit_) Savings Control & (_Credit_) Scheme end if:{fa-check-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 end end end