sebbi BANKING · 40 checks
Forty banking fraud controls, checked and sealed
Send your controls record and get every result back with a receipt sealed into the chain. Firms already sending signals pass BK40 by themselves.
curl -X POST https://sebbi.pro/x/banking/assess -H 'Content-Type: application/json' \
-d '{"record": {"cop_enabled": "true", "cop_mismatch_action_recorded": "true", "monitoring_uses_onboarding": "true", "behaviour_monitoring": "true", "new_payee_high_value_rule": "true", "beneficiary_pattern_monitoring": "true", "alert_outcome_recorded": "true", "alert_sla_hours": "text", "intervention_playbook": "true", "inbound_mule_monitoring": "true", "linked_account_review": "true", "fraud_intel_sharing": "t ...}'| BK01 | Confirmation of Payee runs on every new payee PSR SD17 / FCG · field cop_enabled |
| BK02 | Negative CoP results lead to a recorded intervention FCA CP26/38 · field cop_mismatch_action_recorded |
| BK03 | Monitoring uses the expected activity captured at onboarding FCA CP26/38 · field monitoring_uses_onboarding |
| BK04 | Payments that depart from expected behaviour are flagged FCA CP26/38 · field behaviour_monitoring |
| BK05 | New payee taking a high value triggers review FCA CP26/38 · field new_payee_high_value_rule |
| BK06 | Unusual values and beneficiary patterns are monitored FCA CP26/38 · field beneficiary_pattern_monitoring |
| BK07 | Every alert ends in a recorded decision by a named role FCA CP26/38 · field alert_outcome_recorded |
| BK08 | Alerts have a target time to respond FCA CP26/38 · field alert_sla_hours |
| BK09 | Investigation and intervention steps are written down FCA CP26/38 · field intervention_playbook |
| BK10 | Inbound mule monitoring on the receiving side FCA mule review · field inbound_mule_monitoring |
| BK11 | Linked accounts considered in mule decisions FCA mule review · field linked_account_review |
| BK12 | Fraud intelligence shared and used ECCTA 2023 / FCG · field fraud_intel_sharing |
| BK13 | Controls reviewed against emerging fraud patterns FCG · field control_review_date |
| BK14 | Policy for delaying payments on reasonable grounds to suspect PSRs 2017 (2024 amendment) · field delay_policy |
| BK15 | Customer told of a delay, why, and what is needed PSRs 2017 (2024 amendment) · field delay_customer_notice |
| BK16 | APP claims decided within 5 business days (35 with stop-the-clock) PSR SD20 · field app_claim_sla_tracked |
| BK17 | Vulnerable customers exempt from excess and caution exception PSR SD20 · field app_vulnerability_process |
| BK18 | Evidence kept for every gross-negligence finding PSR SD20 · field app_exception_evidence |
| BK19 | Receiving-firm 50% repayment process in place PSR SD20 · field app_receiving_process |
| BK20 | Foreseeable fraud harm assessed Consumer Duty PRIN 2A · field fraud_harm_assessment |
| BK21 | Scam warnings tailored and tested for understanding Consumer Duty PRIN 2A · field warnings_tested |
| BK22 | Vulnerability considered in fraud decisions FCA FG21/1 · field vulnerability_in_fraud |
| BK23 | Firm-wide money laundering risk assessment MLRs 2017 reg 18 · field firm_risk_assessment |
| BK24 | AML policies, controls and procedures MLRs 2017 reg 19 · field aml_policies |
| BK25 | Ongoing monitoring of business relationships MLRs 2017 reg 28(11) · field ongoing_monitoring |
| BK26 | Enhanced due diligence triggers defined MLRs 2017 reg 33 · field edd_triggers |
| BK27 | Records kept at least 5 years MLRs 2017 reg 40 · field record_retention_years |
| BK28 | Suspicion reported to the nominated officer and NCA POCA 2002 s330 · field sar_process |
| BK29 | Money laundering reporting officer named MLRs 2017 reg 21 / SYSC · field mlro_named |
| BK30 | Systems and controls against financial crime SYSC 6.1.1R · field fincrime_controls |
| BK31 | Senior manager accountable for fraud SMCR · field fraud_smf |
| BK32 | Fraud risk assessment for the failure to prevent fraud offence ECCTA 2023 s199 · field fraud_risk_assessment |
| BK33 | Reasonable fraud prevention procedures (six principles) ECCTA 2023 s199 · field fraud_prevention_procedures |
| BK34 | Staff trained on fraud prevention ECCTA 2023 s199 · field fraud_training |
| BK35 | Fraud models in the model inventory and validated PRA SS1/23 · field fraud_models_inventoried |
| BK36 | Fraud model performance monitored PRA SS1/23 · field fraud_model_monitoring |
| BK37 | Verification of Payee on euro transfers EU Instant Payments Regulation · field vop_enabled |
| BK38 | Transaction monitoring ready for EU liability rules EU Payment Services Regulation · field eu_tm_ready |
| BK39 | Due diligence and monitoring mapped to the EU rulebook EU AMLR 2024/1624 · field eu_amlr_mapped |
| BK40 | Fraud alerts and responses kept in a tamper-evident record FCA CP26/38 / ECCTA · field tamper_evident_log |