{
 "checks": [
  {
   "code": "BK01",
   "law": "PSR SD17 / FCG",
   "title": "Confirmation of Payee runs on every new payee",
   "field": "cop_enabled",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK02",
   "law": "FCA CP26/38",
   "title": "Negative CoP results lead to a recorded intervention",
   "field": "cop_mismatch_action_recorded",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK03",
   "law": "FCA CP26/38",
   "title": "Monitoring uses the expected activity captured at onboarding",
   "field": "monitoring_uses_onboarding",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK04",
   "law": "FCA CP26/38",
   "title": "Payments that depart from expected behaviour are flagged",
   "field": "behaviour_monitoring",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK05",
   "law": "FCA CP26/38",
   "title": "New payee taking a high value triggers review",
   "field": "new_payee_high_value_rule",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK06",
   "law": "FCA CP26/38",
   "title": "Unusual values and beneficiary patterns are monitored",
   "field": "beneficiary_pattern_monitoring",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK07",
   "law": "FCA CP26/38",
   "title": "Every alert ends in a recorded decision by a named role",
   "field": "alert_outcome_recorded",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK08",
   "law": "FCA CP26/38",
   "title": "Alerts have a target time to respond",
   "field": "alert_sla_hours",
   "kind": "present",
   "param": null
  },
  {
   "code": "BK09",
   "law": "FCA CP26/38",
   "title": "Investigation and intervention steps are written down",
   "field": "intervention_playbook",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK10",
   "law": "FCA mule review",
   "title": "Inbound mule monitoring on the receiving side",
   "field": "inbound_mule_monitoring",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK11",
   "law": "FCA mule review",
   "title": "Linked accounts considered in mule decisions",
   "field": "linked_account_review",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK12",
   "law": "ECCTA 2023 / FCG",
   "title": "Fraud intelligence shared and used",
   "field": "fraud_intel_sharing",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK13",
   "law": "FCG",
   "title": "Controls reviewed against emerging fraud patterns",
   "field": "control_review_date",
   "kind": "present",
   "param": null
  },
  {
   "code": "BK14",
   "law": "PSRs 2017 (2024 amendment)",
   "title": "Policy for delaying payments on reasonable grounds to suspect",
   "field": "delay_policy",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK15",
   "law": "PSRs 2017 (2024 amendment)",
   "title": "Customer told of a delay, why, and what is needed",
   "field": "delay_customer_notice",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK16",
   "law": "PSR SD20",
   "title": "APP claims decided within 5 business days (35 with stop-the-clock)",
   "field": "app_claim_sla_tracked",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK17",
   "law": "PSR SD20",
   "title": "Vulnerable customers exempt from excess and caution exception",
   "field": "app_vulnerability_process",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK18",
   "law": "PSR SD20",
   "title": "Evidence kept for every gross-negligence finding",
   "field": "app_exception_evidence",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK19",
   "law": "PSR SD20",
   "title": "Receiving-firm 50% repayment process in place",
   "field": "app_receiving_process",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK20",
   "law": "Consumer Duty PRIN 2A",
   "title": "Foreseeable fraud harm assessed",
   "field": "fraud_harm_assessment",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK21",
   "law": "Consumer Duty PRIN 2A",
   "title": "Scam warnings tailored and tested for understanding",
   "field": "warnings_tested",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK22",
   "law": "FCA FG21/1",
   "title": "Vulnerability considered in fraud decisions",
   "field": "vulnerability_in_fraud",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK23",
   "law": "MLRs 2017 reg 18",
   "title": "Firm-wide money laundering risk assessment",
   "field": "firm_risk_assessment",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK24",
   "law": "MLRs 2017 reg 19",
   "title": "AML policies, controls and procedures",
   "field": "aml_policies",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK25",
   "law": "MLRs 2017 reg 28(11)",
   "title": "Ongoing monitoring of business relationships",
   "field": "ongoing_monitoring",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK26",
   "law": "MLRs 2017 reg 33",
   "title": "Enhanced due diligence triggers defined",
   "field": "edd_triggers",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK27",
   "law": "MLRs 2017 reg 40",
   "title": "Records kept at least 5 years",
   "field": "record_retention_years",
   "kind": "min",
   "param": 5
  },
  {
   "code": "BK28",
   "law": "POCA 2002 s330",
   "title": "Suspicion reported to the nominated officer and NCA",
   "field": "sar_process",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK29",
   "law": "MLRs 2017 reg 21 / SYSC",
   "title": "Money laundering reporting officer named",
   "field": "mlro_named",
   "kind": "present",
   "param": null
  },
  {
   "code": "BK30",
   "law": "SYSC 6.1.1R",
   "title": "Systems and controls against financial crime",
   "field": "fincrime_controls",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK31",
   "law": "SMCR",
   "title": "Senior manager accountable for fraud",
   "field": "fraud_smf",
   "kind": "present",
   "param": null
  },
  {
   "code": "BK32",
   "law": "ECCTA 2023 s199",
   "title": "Fraud risk assessment for the failure to prevent fraud offence",
   "field": "fraud_risk_assessment",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK33",
   "law": "ECCTA 2023 s199",
   "title": "Reasonable fraud prevention procedures (six principles)",
   "field": "fraud_prevention_procedures",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK34",
   "law": "ECCTA 2023 s199",
   "title": "Staff trained on fraud prevention",
   "field": "fraud_training",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK35",
   "law": "PRA SS1/23",
   "title": "Fraud models in the model inventory and validated",
   "field": "fraud_models_inventoried",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK36",
   "law": "PRA SS1/23",
   "title": "Fraud model performance monitored",
   "field": "fraud_model_monitoring",
   "kind": "truthy",
   "param": null
  },
  {
   "code": "BK37",
   "law": "EU Instant Payments Regulation",
   "title": "Verification of Payee on euro transfers",
   "field": "vop_enabled",
   "kind": "eu",
   "param": null
  },
  {
   "code": "BK38",
   "law": "EU Payment Services Regulation",
   "title": "Transaction monitoring ready for EU liability rules",
   "field": "eu_tm_ready",
   "kind": "eu",
   "param": null
  },
  {
   "code": "BK39",
   "law": "EU AMLR 2024/1624",
   "title": "Due diligence and monitoring mapped to the EU rulebook",
   "field": "eu_amlr_mapped",
   "kind": "eu",
   "param": null
  },
  {
   "code": "BK40",
   "law": "FCA CP26/38 / ECCTA",
   "title": "Fraud alerts and responses kept in a tamper-evident record",
   "field": "tamper_evident_log",
   "kind": "ledger",
   "param": null
  }
 ],
 "record_template": {
  "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": "true",
  "control_review_date": "text",
  "delay_policy": "true",
  "delay_customer_notice": "true",
  "app_claim_sla_tracked": "true",
  "app_vulnerability_process": "true",
  "app_exception_evidence": "true",
  "app_receiving_process": "true",
  "fraud_harm_assessment": "true",
  "warnings_tested": "true",
  "vulnerability_in_fraud": "true",
  "firm_risk_assessment": "true",
  "aml_policies": "true",
  "ongoing_monitoring": "true",
  "edd_triggers": "true",
  "record_retention_years": "number, at least 5",
  "sar_process": "true",
  "mlro_named": "text",
  "fincrime_controls": "true",
  "fraud_smf": "text",
  "fraud_risk_assessment": "true",
  "fraud_prevention_procedures": "true",
  "fraud_training": "true",
  "fraud_models_inventoried": "true",
  "fraud_model_monitoring": "true",
  "vop_enabled": "true (only checked when eu_payments is true)",
  "eu_tm_ready": "true (only checked when eu_payments is true)",
  "eu_amlr_mapped": "true (only checked when eu_payments is true)",
  "tamper_evident_log": "true, or use sebbi.pro banking signals with your API key and this passes by itself",
  "eu_payments": "true if you send euro or EU credit transfers"
 }
}