Risk Rule Builder

Visual if-then-else over verification outputs · auto-route to decision · auto-create case if needed

Active rules

PEP / Sanctions auto-block live

If sanctions_hits > 0 OR pep_hits > 0 → decision = DECLINE + case to PMLA officer · high priority

if screening.sanctions_hits > 0 or screening.pep_hits > 0:
decision = "DECLINE"
case.escalate("PMLA_OFFICER", priority="high")

Low face match → manual review live

If face_similarity in [0.45, 0.62) → decision = MANUAL_REVIEW · 2h SLA

if 0.45 <= verification.face.similarity < 0.62:
decision = "MANUAL_REVIEW"
case.create(reason="low_face_match", sla_hours=2)

UBO threshold check live

PMLA Rule 9 · if max shareholder < 25% → require senior managing official declaration

if max(s.ownership_pct for s in shareholders) < 25:
case.require_smo()

High-velocity / structuring live

If 3+ deposits ≥ ₹9L within 24h from same source → STR queue

if count_deposits(amount>=900000, hours=24) >= 3:
str_queue.add(reason="structuring")

Rapid movement out draft

If withdrawal > 80% of yesterday's deposit within 12h → freeze + escalate

if withdraw_pct_24h > 0.8 and acct_age_days < 30:
freeze(reason="rapid_movement")

Shell company indicators off

No DIN history · same registered address as 5+ entities · no GST filings

if din_age_days < 90 and address_co_count > 5:
flag("shell_co")

Signal	Weight
No risk rules configured

Thresholds:
score ≥ 500 → DECLINE
200 ≤ score < 500 → MANUAL_REVIEW
score < 200 → APPROVE