Entity index — AI context¶
Generated: 2026-05-22
Purpose: Quick lookup of every entity ID, title, owner, and status.
For full prose use the domain-specific AI context URLs.
Policies (102)¶
| Code | Title | Risk domain | Owner | Status | Jurisdiction |
|---|---|---|---|---|---|
| AML-001 | AML/CFT Programme Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-002 | Customer Due Diligence (CDD) Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-003 | Know Your Customer (KYC) & Identity Verification Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-004 | Politically Exposed Persons (PEP) Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-005 | Transaction Monitoring Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-006 | Suspicious Activity Reporting Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-007 | Sanctions Screening Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-008 | Cross-Border Transfer Reporting Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-009 | Correspondent Banking & Payments Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-010 | AML Training & Awareness Policy | D03 | Chief People Officer | Draft | NZ + AU |
| AML-011 | Customer Acceptance Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-012 | Customer Risk Rating Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| AML-013 | Onboarding Fraud & Identity Integrity Policy | D03 | Chief Compliance Officer | Draft | NZ + AU |
| CLQ-001 | Capital Adequacy Policy | D01 | Chief Financial Officer | Draft | NZ + AU |
| CLQ-002 | Liquidity Risk Management Policy | D01 | Chief Financial Officer | Draft | NZ + AU |
| CLQ-003 | Capital Planning & Stress Testing Policy | D01 | Chief Risk Officer | Draft | NZ + AU |
| CLQ-004 | Interest Rate Risk in the Banking Book (IRRBB) Policy | D01 | Chief Financial Officer | Draft | NZ + AU |
| CLQ-005 | Internal Capital Adequacy Assessment Process (ICAAP) Policy | D01 | Chief Risk Officer | Draft | NZ + AU |
| CLQ-006 | Capital Disclosure & Reporting Policy | D01 | Chief Financial Officer | Draft | NZ + AU |
| CLQ-007 | Climate Risk Management Policy | D12 | Chief Risk Officer | Draft | NZ + AU |
| CON-001 | Customer Fairness & Conduct Policy | D04 | Chief Compliance Officer | Draft | NZ + AU |
| CON-002 | Complaints & Internal Dispute Resolution Policy | D04 | Head of Customer Experience | Draft | NZ + AU |
| CON-003 | Vulnerable Customer Policy | D04 | Head of Customer Experience | Draft | NZ + AU |
| CON-004 | Product Disclosure & Sales Practice Policy | D04 | Head of Product | Draft | NZ + AU |
| CON-005 | Fee & Pricing Transparency Policy | D04 | Head of Product | Draft | NZ + AU |
| CON-006 | Product suitability and governance | D04 | Chief Risk Officer | Draft | NZ + AU |
| CON-007 | Consumer Data Right (CDR) Policy | D04 | Head of Customer Experience | Draft | AU |
| CON-008 | Financial Hardship Policy | D04 | Head of Customer Experience | Draft | NZ + AU |
| CON-009 | NZ DTA Key Information Summary Disclosure Policy | D04 | Chief Compliance Officer | Draft | NZ |
| CRE-001 | Credit Risk Management Policy | D02 | Head of Credit Risk | Draft | NZ + AU |
| CRE-002 | Responsible Lending Policy | D02 | Head of Credit Risk | Draft | NZ + AU |
| CRE-003 | Credit Decisioning & Scorecard Policy | D02 | Head of Credit Risk | Draft | NZ + AU |
| CRE-004 | Loan Origination Standards | D02 | Head of Credit Risk | Draft | NZ + AU |
| CRE-005 | Concentration Risk Policy | D02 | Chief Risk Officer | Draft | NZ + AU |
| CRE-006 | Impairment & Provisioning Policy | D02 | Chief Financial Officer | Draft | NZ + AU |
| CRE-007 | Collections & Hardship Policy | D02 | Head of Credit Risk | Draft | NZ + AU |
| CRE-008 | Product Design & Distribution Policy | D02 | Head of Product | Draft | AU |
| CRE-009 | Fixed-Rate Component Break-Cost Methodology Policy | D02 | Chief Risk Officer | Draft | NZ + AU |
| DT-001 | Information Security Policy | D05 | Chief Information Security Officer | Draft | NZ + AU |
| DT-002 | Cybersecurity Policy | D05 | Chief Information Security Officer | Draft | NZ + AU |
| DT-003 | Technology Risk Management Policy | D05 | Chief Technology Officer | Draft | NZ + AU |
| DT-004 | Data Governance Policy | D05 | Chief Technology Officer | Draft | NZ + AU |
| DT-005 | Model Risk Management Policy | D05 | Chief Risk Officer | Draft | NZ + AU |
| DT-006 | Cloud & Infrastructure Policy | D05 | Chief Technology Officer | Draft | NZ + AU |
| DT-007 | Change and release management | D05 | Chief Technology Officer | Draft | NZ + AU |
| DT-008 | Third-Party & Outsourcing Risk Policy | D05 | Chief Technology Officer | Draft | NZ + AU |
| DT-009 | AI & algorithm policy | D05 | Chief Risk Officer | Draft | NZ + AU |
| DT-010 | Environments and deployment standards | D05 | Head of Platform Engineering | Draft | NZ + AU |
| DT-011 | AI development guardrails | D05 | Chief Technology Officer | Draft | NZ + AU |
| DT-012 | Ledger Data Contracts & Event Publication Policy | D05 | Chief Technology Officer | Draft | NZ + AU |
| DT-013 | Model Validation & Audit Policy | D05 | Chief Risk Officer | Draft | NZ + AU |
| GOV-001 | Board Charter | D08 | Company Secretary | Draft | NZ + AU |
| GOV-002 | Risk Appetite Statement Policy | D08 | Chief Risk Officer | Draft | NZ + AU |
| GOV-003 | Three Lines of Defence Policy | D08 | Chief Risk Officer | Draft | NZ + AU |
| GOV-004 | Fit & Proper Policy | D08 | Chief People Officer | Draft | NZ + AU |
| GOV-005 | Financial Accountability Regime (FAR) Policy | D08 | Company Secretary | Draft | AU |
| GOV-006 | Internal Audit Policy | D08 | Chief Internal Auditor | Draft | NZ + AU |
| GOV-007 | Conflicts of Interest Policy | D08 | Company Secretary | Draft | NZ + AU |
| GOV-008 | Whistleblower Protection Policy | D08 | General Counsel | Draft | NZ + AU |
| GOV-009 | Related Party Transactions Policy | D08 | Company Secretary | Draft | NZ + AU |
| GOV-010 | Restricted Activities Policy | D08 | Chief Compliance Officer | Draft | NZ |
| OPS-001 | Business Continuity Policy | D09 | Chief Operating Officer | Draft | NZ + AU |
| OPS-002 | Disaster Recovery Policy | D09 | Chief Technology Officer | Draft | NZ + AU |
| OPS-003 | Incident Management Policy | D09 | Chief Technology Officer | Draft | NZ + AU |
| OPS-004 | Operational Risk Policy | D09 | Chief Risk Officer | Draft | NZ + AU |
| OPS-005 | Third-Party & Critical Service Provider Policy | D09 | Chief Risk Officer | Draft | NZ + AU |
| OPS-006 | Change Management Policy | D09 | Chief Technology Officer | Draft | NZ + AU |
| OPS-007 | Financial Processing Resilience & Idempotency Policy | D09 | Chief Risk Officer | Draft | NZ + AU |
| PAY-001 | Payment Operations Policy | D06 | Head of Payments | Draft | NZ + AU |
| PAY-002 | Settlement Risk Policy | D06 | Head of Payments | Draft | NZ + AU |
| PAY-003 | Card Scheme Compliance Policy | D06 | Head of Payments | Draft | NZ + AU |
| PAY-004 | Cross-Border Payments & FX Policy | D06 | Head of Treasury | Draft | NZ + AU |
| PAY-005 | Payment Fraud Prevention Policy | D06 | Head of Payments | Draft | NZ + AU |
| PAY-006 | PCI DSS Compliance Policy | D06 | Head of Payments | Draft | NZ + AU |
| PAY-007 | Ledger Posting & Account Integrity Policy | D06 | Chief Financial Officer | Draft | NZ + AU |
| PAY-008 | Payment Routing, Sponsor & Card-Scheme Abstraction Policy | D06 | Head of Payments | Draft | NZ + AU |
| PAY-009 | Payment Exceptions, Returns & Reversals Policy | D06 | Head of Payments | Draft | NZ + AU |
| PAY-010 | Open Banking & API access | D06 | Chief Technology Officer | Draft | NZ + AU |
| PPL-001 | Code of Conduct Policy | D11 | Chief People Officer | Draft | NZ + AU |
| PPL-002 | Remuneration & Variable Pay Policy | D11 | Chief People Officer | Draft | NZ + AU |
| PPL-003 | Training & Competency Policy | D11 | Chief People Officer | Draft | NZ + AU |
| PPL-004 | Background Screening & Fit and Proper Policy | D11 | Chief People Officer | Draft | NZ + AU |
| PPL-005 | Health, Safety & Wellbeing Policy | D11 | Chief People Officer | Draft | NZ + AU |
| PPL-006 | Whistleblower & Protected Disclosure Policy | D11 | General Counsel | Draft | NZ + AU |
| PRI-001 | Privacy Policy | D10 | Privacy Officer | Draft | NZ + AU |
| PRI-002 | Data Breach Response Policy | D10 | Privacy Officer | Draft | NZ + AU |
| PRI-003 | Personal Information Retention & Destruction Policy | D10 | Privacy Officer | Draft | NZ + AU |
| PRI-004 | FATCA & CRS Compliance Policy | D10 | Chief Financial Officer | Draft | NZ + AU |
| PRI-005 | Privacy Impact Assessment Policy | D10 | Privacy Officer | Draft | NZ + AU |
| PRI-006 | Customer Data Access & Correction Policy | D10 | Privacy Officer | Draft | NZ + AU |
| REP-001 | Regulatory Reporting Policy | D07 | Chief Financial Officer | Draft | NZ + AU |
| REP-002 | Prudential Reporting Policy | D07 | Chief Financial Officer | Draft | NZ + AU |
| REP-003 | AML Compliance Reporting Policy | D07 | Chief Compliance Officer | Draft | NZ + AU |
| REP-004 | Financial Statements Policy | D07 | Chief Financial Officer | Draft | NZ + AU |
| REP-005 | Data Quality & Assurance Policy | D07 | Chief Technology Officer | Draft | NZ + AU |
| REP-006 | Regulatory Change Management Policy | D07 | Chief Compliance Officer | Draft | NZ + AU |
| REP-007 | DCS & Depositor Reporting Policy | D07 | Chief Financial Officer | Draft | NZ |
| REP-008 | Statistical & survey reporting | D07 | Chief Financial Officer | Draft | NZ + AU |
| REP-009 | Regulatory incident & breach notification | D07 | Chief Compliance Officer | Draft | NZ + AU |
| REP-010 | Credit reporting & bureau submission | D07 | Chief Compliance Officer | Draft | NZ + AU |
| REP-011 | Tax & information reporting (FATCA/CRS/AEOI) | D07 | Chief Financial Officer | Draft | NZ + AU |
| REP-012 | TCFD Climate Disclosure Policy | D12 | Chief Risk Officer | Draft | NZ + AU |
Modules (177)¶
| ID | Title | System | Build status | Satisfies (policy:mode) |
|---|---|---|---|---|
| MOD-001 | Double-entry posting engine | SD01 | Deployed | CLQ-006:AUTO, REP-004:AUTO, PAY-001:GATE, CLQ-002:CALC, PAY-007:LOG, OPS-007:LOG |
| MOD-002 | Immutable transaction log | SD01 | Deployed | GOV-006:LOG, REP-005:LOG, AML-005:LOG, PAY-002:LOG, PAY-007:LOG |
| MOD-003 | Real-time balance engine | SD01 | Deployed | CLQ-002:CALC, PAY-001:GATE, CON-005:AUTO, CLQ-004:CALC |
| MOD-004 | Multi-currency ledger (NZD/AUD) | SD01 | Deployed | PAY-004:LOG, CLQ-001:CALC, AML-008:AUTO, REP-002:CALC |
| MOD-005 | Daily accrual calculator | SD01 | Deployed | REP-004:AUTO, CON-005:AUTO, CLQ-004:CALC, CRE-006:AUTO |
| MOD-006 | Rate change propagation | SD01 | Deployed | CON-005:AUTO, CON-004:ALERT, CLQ-004:CALC |
| MOD-007 | Account state machine | SD01 | Deployed | AML-002:GATE, AML-007:GATE, PAY-005:GATE |
| MOD-008 | Dormancy & escheatment engine | SD01 | Deployed | CON-001:AUTO, REP-001:AUTO |
| MOD-009 | eIDV & document verification | SD02 | Deployed | AML-003:GATE, AML-002:AUTO, PRI-001:AUTO, CON-001:AUTO |
| MOD-010 | CDD tier assignment engine | SD02 | Deployed | AML-002:AUTO, AML-004:ALERT, GOV-002:GATE |
| MOD-011 | KYC periodic review scheduler | SD02 | Deployed | AML-002:AUTO, AML-003:ALERT, CON-001:AUTO |
| MOD-012 | KYC audit trail store | SD02 | Deployed | AML-001:LOG, AML-002:LOG, GOV-006:LOG, PRI-005:LOG |
| MOD-013 | Real-time sanctions screener | SD02 | Deployed | AML-007:GATE, PAY-001:GATE, AML-006:ALERT, GOV-002:AUTO |
| MOD-014 | List change propagation | SD02 | Deployed | AML-007:AUTO, AML-006:ALERT |
| MOD-015 | False positive management | SD02 | Deployed | AML-007:LOG, GOV-006:LOG |
| MOD-016 | Rule-based typology engine | SD03 | Deployed | AML-005:AUTO, AML-001:LOG, AML-008:AUTO |
| MOD-017 | ML behavioural scoring model | SD03 | Deployed | AML-005:AUTO, DT-005:LOG, AML-001:LOG |
| MOD-018 | Alert case management system | SD03 | Deployed | AML-005:LOG, AML-006:LOG, GOV-006:LOG |
| MOD-019 | Regulatory report submission module | SD03 | Deployed | AML-008:AUTO, REP-003:LOG, AML-001:AUTO |
| MOD-020 | Pre-payment validation suite | SD04 | Deployed | PAY-001:GATE, AML-007:GATE, PAY-005:GATE, CLQ-002:CALC |
| MOD-021 | Payment limit & velocity controller | SD04 | Deployed | PAY-005:GATE, AML-005:ALERT, CON-005:AUTO |
| MOD-022 | Payment audit trail | SD04 | Deployed | PAY-002:LOG, PAY-003:LOG, REP-005:LOG |
| MOD-023 | Transaction fraud scorer | SD04 | Deployed | PAY-005:AUTO, CON-001:AUTO, DT-005:LOG |
| MOD-024 | Device & session intelligence | SD04 | Deployed | DT-001:GATE, PAY-005:ALERT, AML-005:LOG |
| MOD-025 | FX rate lock & conversion | SD04 | Deployed | PAY-004:LOG, CON-005:GATE, CLQ-004:CALC |
| MOD-026 | IFTI / CMIR reporting trigger | SD04 | Deployed | AML-008:AUTO, REP-003:AUTO |
| MOD-027 | Affordability calculator | SD05 | Deployed | CRE-002:CALC, CRE-003:LOG, CON-004:LOG, REP-005:LOG |
| MOD-028 | Credit score & risk rating | SD05 | Deployed | CRE-001:AUTO, CRE-003:LOG, DT-005:LOG, CLQ-001:CALC |
| MOD-029 | Pre-approval engine | SD05 | Deployed | CRE-002:AUTO, CON-004:GATE, CRE-003:LOG |
| MOD-030 | Stage allocation model | SD05 | Deployed | CRE-006:AUTO, REP-004:AUTO, CLQ-001:CALC |
| MOD-031 | ECL calculation & GL posting | SD05 | Deployed | CRE-006:CALC, REP-004:AUTO, DT-005:LOG |
| MOD-032 | LCR / NSFR calculator | SD06 | Deployed | CLQ-002:CALC, REP-002:CALC, GOV-002:ALERT |
| MOD-033 | RWA & capital ratio engine | SD06 | Deployed | CLQ-001:CALC, REP-002:CALC, CLQ-006:CALC, GOV-002:ALERT |
| MOD-034 | Stress testing scenario engine | SD06 | Not started | CLQ-003:CALC, CLQ-005:CALC, GOV-002:CALC |
| MOD-035 | IRRBB / EVE / NII model | SD06 | Deployed | CLQ-004:CALC, REP-002:CALC, GOV-002:ALERT |
| MOD-036 | Prudential return builder (RBNZ / APRA) | SD06 | Deployed | REP-001:AUTO, REP-002:LOG, REP-005:GATE |
| MOD-037 | AUSTRAC / RBNZ AML reporting pipeline | SD06 | Not started | REP-003:AUTO, AML-001:AUTO, AML-006:LOG, REP-005:GATE |
| MOD-038 | Data quality & reconciliation monitor | SD06 | Deployed | REP-005:GATE, DT-004:AUTO, GOV-006:LOG |
| MOD-039 | Customer risk score model | SD06 | Deployed | AML-002:AUTO, AML-005:AUTO, DT-005:LOG |
| MOD-040 | Churn & health score engine | SD06 | Deployed | CON-001:AUTO, CON-003:ALERT |
| MOD-041 | Categorisation & merchant enrichment model | SD06 | Deployed | CON-005:AUTO, DT-005:LOG |
| MOD-042 | CDC pipeline — Neon logical replication to S3 Iceberg | SD07 | Deployed | DT-004:AUTO, REP-005:AUTO, AML-005:AUTO |
| MOD-043 | EventBridge domain event governance | SD07 | Deployed | DT-004:AUTO, DT-001:AUTO, PRI-001:AUTO, PRI-003:AUTO |
| MOD-044 | JWT role-based access control | SD07 | Deployed | DT-001:GATE, GOV-007:AUTO, GOV-006:LOG |
| MOD-045 | Secrets & key management | SD07 | Deployed | DT-001:AUTO, DT-002:AUTO, AML-007:AUTO |
| MOD-046 | Privileged access management (PAM) | SD07 | Deployed | DT-001:GATE, GOV-006:LOG, DT-002:LOG |
| MOD-047 | Agent action logger | SD07 | Deployed | GOV-006:LOG, AML-001:LOG, GOV-005:LOG, CON-002:LOG |
| MOD-048 | System decision log | SD07 | Deployed | DT-009:LOG, CRE-003:LOG, AML-006:LOG, GOV-006:LOG |
| MOD-049 | Open banking consent management | SD08 | Deployed | PRI-001:GATE, CON-007:GATE, AML-010:LOG |
| MOD-050 | Disclosure enforcement module | SD08 | Deployed | CON-004:GATE, CRE-002:GATE, PAY-004:GATE, CON-005:GATE, CON-009:GATE |
| MOD-051 | Financial automation rules engine | SD08 | Not started | CON-001:AUTO, PAY-001:GATE, CON-005:LOG |
| MOD-052 | Role-scoped data access | SD08 | Deployed | DT-001:GATE, PRI-001:AUTO, AML-006:AUTO |
| MOD-053 | Case & complaint management module | SD08 | Deployed | CON-002:ALERT, CON-003:AUTO, REP-001:LOG |
| MOD-054 | Call recording & transcript attachment | SD08 | Not started | CON-004:LOG, PPL-003:AUTO, GOV-006:LOG |
| MOD-055 | Onboarding fraud scoring engine | SD06 | Not started | AML-013:GATE |
| MOD-056 | Compliance visibility engine | SD06 | Deployed | REP-006:ALERT, GOV-006:LOG |
| MOD-057 | Statistical returns & survey engine | SD06 | Deployed | REP-008:AUTO, REP-005:GATE |
| MOD-058 | Regulatory incident & breach notification engine | SD06 | Not started | REP-009:AUTO |
| MOD-059 | Credit bureau submission engine | SD05 | Deployed | REP-010:AUTO |
| MOD-060 | FATCA/CRS/AEOI reporting engine | SD06 | Deployed | REP-011:AUTO, PRI-004:LOG, REP-005:GATE |
| MOD-061 | Open banking API platform | SD04 | Not started | PAY-010:GATE |
| MOD-062 | Workflow orchestration engine | SD07 | Deployed | — |
| MOD-063 | Notification orchestration | SD07 | Deployed | CON-001:AUTO, GOV-003:LOG |
| MOD-064 | Operations work queue | SD08 | Not started | GOV-002:AUTO |
| MOD-065 | Credit servicing & collections | SD05 | Deployed | CRE-006:AUTO, CON-003:AUTO, CRE-002:ALERT |
| MOD-066 | Collateral & security management | SD05 | Deployed | CRE-005:LOG, CRE-001:CALC |
| MOD-067 | Trade finance operations | SD04 | Not started | PAY-002:GATE, AML-008:LOG |
| MOD-068 | Authentication & session management | SD08 | Deployed | DT-002:GATE, PRI-001:GATE |
| MOD-069 | Customer app shell | SD08 | Deployed | CON-005:AUTO |
| MOD-070 | Transaction history & search | SD08 | Deployed | CON-005:AUTO, GOV-006:LOG |
| MOD-071 | Payment initiation | SD08 | Deployed | PAY-001:GATE, CON-005:AUTO |
| MOD-072 | Customer profile & settings | SD08 | Deployed | PRI-001:AUTO, CON-001:AUTO |
| MOD-073 | Document vault | SD08 | Deployed | PRI-001:GATE, PRI-003:AUTO |
| MOD-074 | Back-office customer 360 | SD08 | Deployed | GOV-002:LOG, PRI-003:GATE |
| MOD-075 | Internal API gateway | SD07 | Deployed | DT-001:GATE, DT-002:GATE |
| MOD-076 | Observability platform | SD07 | Deployed | GOV-006:LOG, DT-004:ALERT |
| MOD-077 | Account dashboard & insight feed | SD08 | Deployed | CON-005:AUTO |
| MOD-078 | Card & account controls | SD08 | Not started | PAY-005:GATE, CON-001:AUTO |
| MOD-079 | Snowflake decision publication service | SD07 | Deployed | GOV-006:LOG, DT-001:GATE |
| MOD-080 | Statutory financial reporting & ERP integration | SD06 | Deployed | REP-004:AUTO, REP-001:AUTO, GOV-006:LOG |
| MOD-081 | Payment reconciliation engine | SD04 | Deployed | PAY-002:AUTO, REP-005:LOG |
| MOD-082 | Nostro & FX treasury management | SD04 | Deployed | CLQ-002:CALC, PAY-002:GATE, PAY-008:AUTO |
| MOD-083 | Agent assist & compliance coaching panel | SD08 | Not started | CON-002:AUTO, GOV-007:AUTO |
| MOD-084 | Open banking data access — data recipient | SD04 | Not started | PAY-010:GATE, PRI-001:AUTO |
| MOD-085 | Market rates ingestion & normalisation | SD06 | Deployed | REP-005:LOG, CLQ-002:CALC |
| MOD-086 | Funds transfer pricing engine | SD06 | Deployed | REP-001:CALC, CLQ-003:CALC |
| MOD-087 | Transaction enrichment engine | SD07 | Deployed | PRI-001:LOG |
| MOD-088 | Expense classification engine | SD06 | Not started | PRI-001:LOG |
| MOD-089 | Geo-spatial processor | SD06 | Not started | PRI-001:LOG |
| MOD-090 | Auto rules engine | SD08 | Not started | PRI-001:LOG |
| MOD-091 | Receipt processor | SD08 | Not started | PRI-001:LOG |
| MOD-092 | Tax logic engine | SD06 | Not started | PRI-001:LOG |
| MOD-093 | Accounting mapper | SD07 | Not started | PRI-001:LOG |
| MOD-094 | Property attribution engine | SD06 | Not started | PRI-001:LOG |
| MOD-095 | Ring-fencing logic engine | SD06 | Not started | PRI-001:LOG |
| MOD-096 | Multi-entity party graph manager | SD02 | Deployed | AML-002:GATE, AML-004:GATE |
| MOD-097 | Usage event collector | SD07 | Deployed | REP-001:LOG |
| MOD-098 | Cost attribution engine | SD06 | Deployed | REP-001:CALC |
| MOD-099 | Infrastructure cost reports | SD07 | Deployed | REP-001:LOG |
| MOD-100 | External asset connector | SD07 | Deployed | PRI-001:LOG, PRI-003:GATE |
| MOD-101 | Wealth intelligence engine | SD06 | Not started | — |
| MOD-102 | Snowflake account configuration & governance | SD07 | Deployed | DT-001:GATE, DT-002:AUTO, DT-004:AUTO, GOV-007:LOG |
| MOD-103 | Neon database platform bootstrap | SD07 | Deployed | DT-001:GATE, PRI-001:GATE, PRI-003:AUTO |
| MOD-104 | AWS shared infrastructure bootstrap | SD07 | Deployed | GOV-005:GATE, GOV-006:LOG, DT-002:GATE |
| MOD-105 | Product eligibility engine | SD06 | Not started | CON-006:GATE, CON-001:GATE, CRE-001:GATE |
| MOD-106 | ROTE engine | SD06 | Not started | CON-006:CALC, CRE-001:CALC |
| MOD-107 | Next best product engine | SD06 | Not started | CON-006:CALC, CON-001:CALC |
| MOD-108 | Product offer engine | SD08 | Not started | CON-006:GATE, CON-004:LOG, CON-001:AUTO, PRI-001:GATE |
| MOD-109 | Product deal engine | SD08 | Not started | CON-006:GATE, CON-004:LOG, CON-001:LOG |
| MOD-110 | Fee engine | SD01 | Deployed | CON-005:GATE, CON-004:LOG, PAY-001:AUTO |
| MOD-111 | Term deposit maturity engine | SD01 | Deployed | CON-004:AUTO, CON-005:GATE, PAY-001:AUTO |
| MOD-112 | Amortisation schedule engine | SD01 | Deployed | CRE-002:AUTO, CON-004:AUTO, CON-005:CALC |
| MOD-113 | Statement generation | SD08 | Not started | CON-004:AUTO, CON-005:AUTO |
| MOD-114 | Direct debit mandate management | SD04 | Deployed | PAY-001:GATE, PAY-002:LOG, PRI-001:GATE |
| MOD-115 | Property security and LVR management | SD05 | Deployed | CRE-001:GATE, CRE-005:CALC, CLQ-002:CALC, REP-002:CALC |
| MOD-116 | Mortgage servicing engine | SD05 | Deployed | CRE-002:AUTO, CON-004:AUTO, CON-005:GATE, CON-008:ALERT, PAY-001:AUTO |
| MOD-117 | Overdraft management engine | SD05 | Deployed | CRE-002:GATE, CON-005:GATE, CON-008:ALERT, PAY-001:GATE, CRE-001:CALC |
| MOD-118 | Member equity and share registry | SD01 | Deployed | CLQ-001:GATE, GOV-001:LOG, CON-001:AUTO, CON-004:AUTO |
| MOD-119 | BPAY payment integration | SD04 | Deployed | PAY-001:GATE, PAY-005:AUTO, PAY-009:AUTO, CON-005:AUTO, REP-005:LOG |
| MOD-120 | PayID and Osko integration | SD04 | Deployed | PAY-001:GATE, PAY-005:AUTO, PAY-009:AUTO, CON-005:AUTO, AML-005:LOG |
| MOD-121 | Construction loan drawdown engine | SD05 | Deployed | CRE-002:GATE, CON-004:AUTO, CON-005:CALC, CRE-001:CALC |
| MOD-122 | NZ faster payments and A2A integration | SD04 | Deployed | PAY-001:GATE, PAY-002:LOG, PAY-005:AUTO, PAY-009:AUTO, REP-005:LOG |
| MOD-123 | ATM network integration | SD04 | Not started | PAY-001:GATE, PAY-005:AUTO, PAY-002:LOG, CON-005:AUTO |
| MOD-124 | Physical card issuance and bureau integration | SD04 | Built | PAY-003:GATE, PAY-006:AUTO, DT-001:GATE, CON-001:AUTO |
| MOD-125 | Joint account management | SD01 | Deployed | AML-002:GATE, CON-001:AUTO, PRI-001:AUTO, REP-007:CALC |
| MOD-126 | Power of attorney and third-party authority | SD08 | Not started | CON-003:AUTO, AML-002:GATE, PRI-001:GATE, GOV-006:LOG |
| MOD-127 | Product configuration panel | SD08 | Deployed | GOV-006:LOG, CON-005:GATE, REP-002:AUTO, GOV-007:GATE |
| MOD-128 | Credit bureau enquiry and CCR integration | SD05 | Deployed | CRE-003:GATE, PRI-001:GATE, CON-004:LOG, REP-010:LOG |
| MOD-129 | Teller operations and branch cash management | SD08 | Not started | AML-005:GATE, PAY-001:GATE, GOV-006:LOG, CON-001:AUTO |
| MOD-130 | Notice account management | SD01 | Deployed | CON-005:GATE, CLQ-002:CALC, CON-001:AUTO, CON-004:AUTO |
| MOD-131 | Mutual governance and AGM administration | SD08 | Not started | GOV-001:AUTO, CON-001:AUTO, REP-002:LOG, GOV-006:LOG |
| MOD-132 | Loan restructure and variation workflow | SD05 | Deployed | CRE-001:GATE, CON-004:AUTO, CON-005:GATE, REP-004:LOG |
| MOD-133 | Trust account management | SD01 | Deployed | AML-002:GATE, AML-004:GATE, PRI-001:AUTO, GOV-006:LOG |
| MOD-134 | Community account management | SD01 | Deployed | AML-002:GATE, CON-001:AUTO, GOV-006:LOG, PRI-001:AUTO |
| MOD-135 | Batch payment and payroll file processing | SD04 | Deployed | PAY-001:GATE, AML-007:AUTO, PAY-002:LOG, CON-005:AUTO |
| MOD-136 | BPAY biller registration and inbound BPAY | SD04 | Deployed | PAY-001:AUTO, REP-005:LOG, PAY-002:LOG, CON-005:AUTO |
| MOD-137 | Agency banking adapter | SD04 | Deployed | PAY-001:GATE, AML-005:AUTO, CON-001:AUTO, PAY-002:LOG |
| MOD-138 | Deceased customer and estate management | SD08 | Not started | PRI-001:GATE, GOV-006:LOG, CON-003:AUTO, AML-002:LOG |
| MOD-139 | Financial hardship formal variation workflow | SD08 | Not started | CON-008:GATE, CON-004:AUTO, CRE-004:LOG, CON-003:AUTO |
| MOD-140 | Chart of accounts and GL configuration | SD01 | Deployed | REP-004:GATE, GOV-006:LOG, REP-002:AUTO, GOV-007:GATE |
| MOD-141 | Intra-bank transfer engine | SD04 | Deployed | PAY-001:GATE, AML-007:AUTO, PAY-002:LOG, CON-005:AUTO |
| MOD-142 | Deposit guarantee scheme disclosure | SD08 | Not started | CON-005:GATE, REP-007:CALC, CON-001:AUTO, REP-004:LOG |
| MOD-143 | Open Bank Resolution pre-positioning | SD01 | Deployed | REP-001:LOG, OPS-001:AUTO |
| MOD-144 | Confirmation of payee — account name verification | SD04 | Not started | PAY-005:GATE, PAY-003:AUTO |
| MOD-145 | Payment hold & friction engine | SD04 | Not started | PAY-005:AUTO, AML-007:ALERT |
| MOD-146 | Restricted activities enforcement | SD08 | Not started | GOV-010:GATE, REP-001:LOG |
| MOD-147 | Related party exposure monitor | SD06 | Not started | GOV-009:CALC, GOV-009:ALERT, CRE-005:ALERT |
| MOD-148 | Privacy access request (DSAR) workflow | SD08 | Not started | PRI-001:AUTO, PRI-003:LOG, PRI-006:AUTO |
| MOD-149 | Scam intelligence reporting & reimbursement | SD04 | Not started | PAY-005:LOG, CON-002:AUTO |
| MOD-150 | Risk management platform | SD06 | Not started | OPS-003:AUTO, OPS-004:AUTO, OPS-005:AUTO, OPS-006:LOG, OPS-007:LOG, DT-003:AUTO, DT-005:LOG, DT-008:AUTO, GOV-002:CALC, REP-009:AUTO, PRI-002:AUTO, CLQ-002:CALC |
| MOD-151 | Risk case console | SD08 | Not started | OPS-003:GATE, GOV-008:GATE, GOV-006:LOG, DT-005:GATE |
| MOD-152 | Climate risk assessment | SD06 | Not started | CLQ-007:CALC, REP-012:AUTO, GOV-002:ALERT |
| MOD-153 | Customer acceptance engine | SD02 | Deployed | AML-011:GATE, AML-002:GATE, AML-012:CALC, AML-004:GATE, CON-006:GATE |
| MOD-154 | Correspondent banking risk gate | SD04 | Not started | AML-009:GATE, AML-007:GATE, PAY-002:GATE, AML-008:LOG |
| MOD-155 | Target Market Determination (AU DDO) | SD08 | Not started | CRE-008:GATE, CON-006:AUTO, CON-001:LOG |
| MOD-156 | CI/CD pipeline platform | SD07 | Deployed | DT-007:GATE, DT-010:AUTO, OPS-006:LOG |
| MOD-157 | External provider stub service | SD07 | Deployed | — |
| MOD-158 | Test seed data loader | SD07 | Deployed | — |
| MOD-159 | Synthetic transaction engine | SD07 | Deployed | — |
| MOD-160 | Cross-module acceptance suite | SD07 | Deployed | — |
| MOD-161 | Transfer pricing | SD01 | Deployed | CLQ-002:CALC, CLQ-003:CALC |
| MOD-162 | Loan facility & component manager | SD05 | Deployed | CRE-002:AUTO, CON-004:AUTO, REP-004:AUTO |
| MOD-163 | Break-cost calculator | SD05 | Deployed | CRE-009:CALC, CON-005:GATE |
| MOD-164 | Facility component self-service | SD08 | Not started | CON-005:GATE, CRE-009:LOG |
| MOD-165 | Synthetic swap book aggregator | SD06 | Not started | CLQ-001:CALC, REP-002:CALC, REP-004:AUTO |
| MOD-166 | Transaction category corrections | SD01 | Deployed | — |
| MOD-167 | Credit card facility engine | SD05 | Not started | CRE-001:AUTO, CRE-006:CALC, CON-004:GATE, PAY-008:AUTO |
| MOD-168 | Maker-checker enforcement engine | SD07 | Deployed | GOV-003:CHECKER, DT-012:LOG, GOV-005:CHECKER |
| MOD-169 | Public website | SD09 | Deployed | — |
| MOD-170 | Regulatory Submissions Portal | SD06 | Deployed | REP-005:GATE, REP-001:AUTO, REP-002:LOG, GOV-002:LOG |
| MOD-171 | Risk Intelligence Dashboard | SD06 | Deployed | GOV-002:CALC, REP-002:LOG, DT-005:LOG |
| MOD-172 | Operations & Model Intelligence Dashboard | SD06 | Deployed | DT-005:LOG, OPS-003:AUTO, REP-002:LOG |
| MOD-173 | Model risk register & inventory | SD06 | Not started | DT-013:GATE, DT-005:LOG |
| MOD-174 | Model performance monitoring & drift detection | SD06 | Not started | DT-013:AUTO, DT-005:AUTO |
| MOD-175 | Model change control & re-approval workflow | SD06 | Not started | DT-013:GATE, DT-005:GATE |
| MOD-176 | Snowflake read API service | SD07 | Deployed | DT-001:GATE, DT-002:GATE |
| MOD-177 | SD06 risk dashboard renderer | SD08 | Not started | DT-001:GATE, GOV-003:CHECKER |
ADRs (67)¶
| ID | Title | Status | Date |
|---|---|---|---|
| ADR-001 | Postgres as the OLTP operational store | Accepted | 2026-04-10 |
| ADR-002 | Snowflake as the analytics and risk compute platform | Accepted | 2026-04-10 |
| ADR-003 | CDC pipeline — Neon Postgres to Snowflake via Firehose and Apache Iceberg | Accepted | 2026-04-10 |
| ADR-004 | Single frontend codebase for customer and back office | Accepted | 2026-04-10 |
| ADR-005 | Payments partner at launch — direct scheme membership deferred | Accepted | 2026-04-10 |
| ADR-006 | ERP at the periphery — statutory reporting only | Accepted | 2026-04-10 |
| ADR-007 | Frontend framework — React/Next.js with Capacitor | Superseded | 2026-04-10 |
| ADR-008 | Reconciliation and exception management | Accepted | 2026-04-10 |
| ADR-009 | Insights and data visualisation approach | Accepted | 2026-04-10 |
| ADR-010 | Financial crime and fraud detection platform | Accepted | 2026-04-10 |
| ADR-011 | CRM approach — embedded in front end or external platform | Accepted | 2026-04-10 |
| ADR-012 | External disclosures system | Accepted | 2026-04-10 |
| ADR-013 | External data sharing from Snowflake | Accepted | 2026-04-10 |
| ADR-014 | Deposit and lending product set — launch sequencing | Accepted | 2026-04-10 |
| ADR-015 | Cross-border NZ/AU wallet and transfer design | Accepted | 2026-04-10 |
| ADR-016 | Transaction history design — data model, enrichment, and UX | Accepted | 2026-04-10 |
| ADR-017 | Transaction categorisation and merchant enrichment — in-house ML vs external API | Accepted | 2026-04-10 |
| ADR-018 | KYC and digital onboarding architecture | Accepted | 2026-04-10 |
| ADR-019 | Intelligent customer home screen and financial intelligence layer | Accepted | 2026-04-10 |
| ADR-020 | Customer financial automation rules engine | Accepted | 2026-04-10 |
| ADR-021 | Call recording, transcription, and CRM attachment | Accepted | 2026-04-10 |
| ADR-022 | CI/CD and deployment strategy | Accepted | 2026-04-10 |
| ADR-023 | Cloud provider and region strategy | Accepted | 2026-04-10 |
| ADR-024 | Database hosting — Neon serverless Postgres | Superseded | 2026-04-10 |
| ADR-025 | API layer — HTTP API Gateway and SST | Accepted | 2026-04-10 |
| ADR-026 | Customer authentication — Cognito, mobile-first, passwordless | Accepted | 2026-04-10 |
| ADR-027 | Internal staff authentication — Cognito and corporate SSO | Accepted | 2026-04-10 |
| ADR-028 | Document storage — S3 and Postgres metadata | Accepted | 2026-04-10 |
| ADR-029 | Domain event routing via Amazon EventBridge | Superseded | 2026-04-10 |
| ADR-030 | Secrets management — AWS Secrets Manager | Accepted | 2026-04-10 |
| ADR-031 | Observability — OpenTelemetry, CloudWatch, and X-Ray | Accepted | 2026-04-10 |
| ADR-032 | Customer notification service — Amazon Pinpoint | Accepted | 2026-04-10 |
| ADR-033 | Feature flag management — AWS AppConfig | Accepted | 2026-04-10 |
| ADR-034 | Web app hosting and mobile app distribution | Accepted | 2026-04-10 |
| ADR-035 | Snowflake account configuration and data residency | Superseded | 2026-04-10 |
| ADR-036 | Decision result publication — Snowflake to Neon | Accepted | 2026-04-10 |
| ADR-037 | Open Banking participation strategy — CDR, NZ API standard, and API monetisation | Accepted | 2026-04-10 |
| ADR-038 | Data access tier policy — Snowflake as the reporting and insight layer | Proposed | 2026-04-10 |
| ADR-039 | Market data sourcing — Snowflake Marketplace with provider abstraction | Accepted | 2026-04-10 |
| ADR-040 | SaaS usage metering and multi-tenant cost attribution | Accepted | 2026-04-15 |
| ADR-041 | Akahu as NZ external asset aggregation layer; direct APIs for AU super | Accepted | 2026-04-15 |
| ADR-042 | Single-stack deployment with jurisdiction as runtime context | Accepted | 2026-04-15 |
| ADR-043 | Standardised repository and module directory layout | Accepted | 2026-04-24 |
| ADR-044 | External provider stub strategy for dev and UAT environments | Accepted | 2026-04-27 |
| ADR-045 | Test data and environment fidelity strategy | Accepted | 2026-04-27 |
| ADR-046 | SD06 data product architecture — Snowflake-native orchestration, dbt transformation layer, schema-as-product | Accepted | 2026-05-01 |
| ADR-047 | Snowflake reference data write-back — dedicated Lambda pattern for operational delivery | Accepted | 2026-05-01 |
| ADR-048 | Database-enforced invariants — Postgres constraints and triggers as a first-class defence layer | Accepted | 2026-05-01 |
| ADR-049 | Snowflake-native compute — Alerts and DMFs preferred over Lambda monitors within SD06 | Accepted | 2026-05-01 |
| ADR-050 | SD06 test layering — dbt unit tests for SQL behaviour, Vitest policy tests for SQL structure | Accepted | 2026-05-01 |
| ADR-051 | EventBridge bus naming — hyphen-separated names matching repo pattern | Accepted | 2026-05-01 |
| ADR-052 | Neon database naming — bank_ prefix with snake_case domain abbreviation | Superseded | 2026-05-01 |
| ADR-053 | Build artefact versioning and stage promotion model | Accepted | 2026-05-02 |
| ADR-054 | Snowflake DDL management via DCM Projects | Accepted | 2026-05-02 |
| ADR-055 | SD06 test layering — dbt unit tests for SQL behaviour, Vitest policy tests for SQL structure | Proposed | 2026-05-04 |
| ADR-056 | Snowflake-native dbt Projects for SD06 model execution | Accepted | 2026-05-07 |
| ADR-057 | React ecosystem — Vite, TanStack Router, TanStack Query, Tailwind CSS, Radix UI | Accepted | 2026-05-08 |
| ADR-058 | Credit card platform boundary — in-platform vs external capability assignment | Accepted | 2026-05-08 |
| ADR-059 | Maker-checker as a platform-wide workflow primitive | Accepted | 2026-05-09 |
| ADR-060 | Tenant extension fields — runtime-extensible custom entity attributes | Proposed | 2026-05-09 |
| ADR-061 | COB partitioning for portfolio-scale batch processing | Accepted | 2026-05-09 |
| ADR-062 | Contract directory convention and minimal-cascade deployment | Accepted | 2026-05-13 |
| ADR-063 | GitLab Package Registry for versioned cross-repo contract packages | Accepted | 2026-05-13 |
| ADR-064 | Consolidated Neon database — schema-per-domain isolation | Accepted | 2026-05-15 |
| ADR-065 | Cognito custom claims as session state carrier | Accepted | 2026-05-15 |
| ADR-066 | Postgres-backed idempotency store via Powertools BasePersistenceLayer | Accepted | 2026-05-17 |
| ADR-067 | SD06 regulatory dashboard rendering — Recharts and independent Streamlit per module | Proposed | 2026-05-21 |
Regulations (100)¶
| ID | Short title | Jurisdiction | Status |
|---|---|---|---|
| au-afca-rules | AFCA Rules | AU | live |
| au-amlctf-act | AML/CTF Act 2006 | AU | live |
| au-aps-110 | APS 110 Capital Adequacy | AU | live |
| au-aps-112 | APS 112 | AU | live |
| au-aps-113 | APS 113 IRB | AU | live |
| au-aps-117 | Interest Rate Risk in the Banking Book | AU | live |
| au-aps-210 | APS 210 Liquidity | AU | live |
| au-aps-220 | APS 220 Credit Quality | AU | live |
| au-aps-310 | APS 310 | AU | live |
| au-aps-330 | APS 330 Public Disclosure | AU | live |
| au-aps-510 | APS 510 | AU | live |
| au-ars | APRA Reporting Standards | AU | live |
| au-asic-act | ASIC Act 2001 | AU | live |
| au-asic-ai-guidance | ASIC AI Guidance | AU | live |
| au-asic-rg-209 | ASIC RG 209 | AU | live |
| au-asic-rg-271 | ASIC RG 271 | AU | live |
| au-asic-rg-274 | ASIC RG 274 | AU | live |
| au-autonomous-sanctions-act | AU Autonomous Sanctions Act | AU | live |
| au-banking-act | Banking Act 1959 | AU | live |
| au-banking-code | ABA Banking Code | AU | live |
| au-cdr | Consumer Data Right (CDR) — Open Banking | AU | live |
| au-corporations-act | Corporations Act 2001 | AU | live |
| au-cps-220 | CPS 220 Risk Management | AU | live |
| au-cps-230 | CPS 230 Operational Risk Management | AU | live |
| au-cps-231 | CPS 231 Outsourcing (Superseded by CPS 230) | AU | superseded |
| au-cps-232 | CPS 232 Business Continuity (Superseded by CPS 230) | AU | superseded |
| au-cps-234 | CPS 234 Information Security | AU | live |
| au-cps-520 | CPS 520 Fit and Proper | AU | live |
| au-epayments-code | ePayments Code | AU | live |
| au-fair-work-act | Fair Work Act 2009 | AU | live |
| au-far | Financial Accountability Regime (FAR) | AU | live |
| au-mandatory-ai-guardrails | AU Mandatory AI Guardrails | AU | Draft |
| au-nccp | NCC Act 2009 (NCCP) | AU | live |
| au-npp-rules | NPP Rules | AU | live |
| au-payment-systems-act | AU Payment Systems Act | AU | live |
| au-privacy-act | Privacy Act 1988 | AU | live |
| au-scam-safe-accord | Scam-Safe Accord | AU | live |
| au-voluntary-ai-standard | AU Voluntary AI Safety Standard | AU | live |
| au-whs-act | AU WHS Act 2011 | AU | live |
| industry-basel-iii | Basel III / Basel IV — Capital and Liquidity Framework | Global | live |
| industry-card-scheme-rules | Visa/Mastercard Rules | Global | live |
| industry-crs-aeoi | CRS / AEOI | Global | live |
| industry-fatca | FATCA | Global | live |
| industry-fatf | FATF 40 Recommendations | Global | live |
| industry-ifrs-9 | IFRS 9 | Global | live |
| industry-iso-22301 | ISO 22301 | Global | live |
| industry-iso-27001 | ISO 27001 | Global | live |
| industry-iso20022 | ISO 20022 — Financial Messaging Standard | Global | live |
| industry-owasp-asvs | OWASP Application Security Verification Standard (ASVS) | Global | live |
| industry-pci-dss | PCI DSS v4.0 — Payment Card Industry Data Security Standard | Global | live |
| industry-pra-ss1-23 | PRA SS1/23 Model Risk | Global | live |
| industry-sr-11-7 | SR 11-7 Model Risk | Global | live |
| nz-amlcft-act | AML/CFT Act 2009 | NZ | live |
| nz-banking-code | NZ Banking Code | NZ | live |
| nz-bs1 | RBNZ BS1 Statement of Principles | NZ | live |
| nz-bs11 | RBNZ BS11 Outsourcing | NZ | live |
| nz-bs13 | RBNZ BS13 Liquidity | NZ | live |
| nz-bs14 | RBNZ BS14 Governance | NZ | live |
| nz-bs17 | RBNZ BS17 OBR | NZ | live |
| nz-bs19 | RBNZ BS19 LVR | NZ | live |
| nz-bs2a-bs2b | RBNZ BS2A/BS2B Capital | NZ | live |
| nz-bs3b-bs3c | RBNZ BS3B/BS3C Disclosure | NZ | live |
| nz-bs4 | RBNZ BS4 Audit | NZ | live |
| nz-bs8 | RBNZ BS8 Connected Exposures | NZ | live |
| nz-building-societies-act | NZ Building Societies Act | NZ | live |
| nz-cccfa | CCCFA 2003 | NZ | live |
| nz-cofi-act | CoFI Act 2022 | NZ | live |
| nz-companies-act | NZ Companies Act | NZ | live |
| nz-credit-reporting-privacy-code | NZ Credit Reporting Privacy Code | NZ | live |
| nz-dta-branch | DTA Branch Standard | NZ | Draft |
| nz-dta-capital | DTA Capital Standard | NZ | Draft |
| nz-dta-dcs | DTA DCS Standard | NZ | Draft |
| nz-dta-disclosure | DTA Disclosure Standard | NZ | Draft |
| nz-dta-governance | DTA Governance Standard | NZ | Draft |
| nz-dta-incorporation-outside-nz | DTA Incorporation Outside NZ Standard | NZ | Draft |
| nz-dta-irrbb | DTA IRRBB Standard (superseded) | NZ | superseded |
| nz-dta-lending | DTA Lending Standard | NZ | Draft |
| nz-dta-liquidity | DTA Liquidity Standard | NZ | Draft |
| nz-dta-obr | DTA OBR Standard | NZ | Draft |
| nz-dta-operational-resilience | DTA Operational Resilience Standard | NZ | Draft |
| nz-dta-outsourcing | DTA Outsourcing Standard | NZ | Draft |
| nz-dta-related-party-exposures | DTA Related Party Exposures Standard | NZ | Draft |
| nz-dta-reporting | DTA Reporting Standard | NZ | Draft |
| nz-dta-restricted-activities | DTA Restricted Activities Standard | NZ | Draft |
| nz-dta-risk-management | DTA Risk Management Standard | NZ | Draft |
| nz-employment-relations-act | NZ Employment Relations Act | NZ | live |
| nz-fmc-act | NZ FMC Act | NZ | live |
| nz-friendly-societies-act | NZ Friendly Societies and Credit Unions Act | NZ | live |
| nz-fscl | FSCL / FSOS | NZ | live |
| nz-hswa | NZ HSWA 2015 | NZ | live |
| nz-ism | NZISM | NZ | live |
| nz-payments-nz-rules | Payments NZ Rules | NZ | live |
| nz-privacy-act | Privacy Act 2020 | NZ | live |
| nz-protected-disclosures-act | NZ Protected Disclosures Act | NZ | live |
| nz-rbnz-cyber-resilience | RBNZ Cyber Resilience Standard | NZ | live |
| nz-rbnz-fx | RBNZ FX Guidelines | NZ | live |
| nz-rbnz-model-risk | RBNZ Model Risk Guidance | NZ | live |
| nz-rbnz-reporting | RBNZ Prudential Returns | NZ | live |
| nz-rbnz-technology-risk | RBNZ Technology Risk Guidance | NZ | live |
| nz-sanctions-act | NZ Sanctions legislation | NZ | live |
Risk domains (12)¶
| ID | Name | Owner | Policies |
|---|---|---|---|
| D01 | Capital & Liquidity | Chief Risk Officer / Chief Financial Officer | CLQ-001, CLQ-002, CLQ-003, CLQ-004, CLQ-005, CLQ-006 |
| D02 | Credit Risk | Chief Risk Officer | CRE-001, CRE-002, CRE-003, CRE-004, CRE-005, CRE-006, CRE-007, CRE-008 |
| D03 | AML / Financial Crime | Chief Compliance Officer | AML-001, AML-002, AML-003, AML-004, AML-005, AML-006, AML-007, AML-008, AML-009, AML-010, AML-011, AML-012, AML-013 |
| D04 | Customer & Conduct | Chief Compliance Officer / Head of Customer | CON-001, CON-002, CON-003, CON-004, CON-005, CON-006, CON-007, CON-008, CON-009 |
| D05 | Data & Technology | Chief Technology Officer / Chief Information Security Officer | DT-001, DT-002, DT-003, DT-004, DT-005, DT-006, DT-007, DT-008, DT-009, DT-010, DT-011, DT-012 |
| D06 | Payments & Settlement | Head of Payments | PAY-001, PAY-002, PAY-003, PAY-004, PAY-005, PAY-006, PAY-007, PAY-008, PAY-009, PAY-010 |
| D07 | Regulatory Reporting | Chief Financial Officer / Chief Risk Officer | REP-001, REP-002, REP-003, REP-004, REP-005, REP-006, REP-007, REP-008, REP-009, REP-010, REP-011 |
| D08 | Governance & Accountability | Chair, Board / Chief Executive Officer | GOV-001, GOV-002, GOV-003, GOV-004, GOV-005, GOV-006, GOV-007, GOV-008, GOV-009, GOV-010 |
| D09 | Operational Resilience | Chief Technology Officer / Chief Operating Officer | OPS-001, OPS-002, OPS-003, OPS-004, OPS-005, OPS-006, OPS-007 |
| D10 | Privacy & Data Rights | Data Protection Officer / Privacy Officer | PRI-001, PRI-002, PRI-003, PRI-004, PRI-005, PRI-006 |
| D11 | People & Culture | Chief People Officer | PPL-001, PPL-002, PPL-003, PPL-004, PPL-005, PPL-006 |
| D12 | Climate & ESG Risk | Chief Risk Officer | CLQ-007, REP-012 |
System domains (9)¶
| ID | Name | Repo | Modules |
|---|---|---|---|
| SD01 | Core Banking Platform | bank-core | MOD-001, MOD-002, MOD-003, MOD-004, MOD-005, MOD-006, MOD-007, MOD-008, MOD-110, MOD-111, MOD-112, MOD-118, MOD-125, MOD-130, MOD-133, MOD-134, MOD-140, MOD-143, MOD-161, MOD-166 |
| SD02 | Customer Identity & KYC Platform | bank-kyc | MOD-009, MOD-010, MOD-011, MOD-012, MOD-013, MOD-014, MOD-015, MOD-153, MOD-096 |
| SD03 | AML Transaction Monitoring Platform | bank-aml | MOD-016, MOD-017, MOD-018, MOD-019 |
| SD04 | Payments Processing Platform | bank-payments | MOD-020, MOD-021, MOD-022, MOD-023, MOD-024, MOD-025, MOD-026, MOD-061, MOD-067, MOD-081, MOD-082, MOD-084, MOD-114, MOD-119, MOD-120, MOD-122, MOD-123, MOD-124, MOD-135, MOD-136, MOD-137, MOD-141, MOD-144, MOD-145, MOD-149, MOD-154 |
| SD05 | Credit Decisioning & Loan Platform | bank-credit | MOD-027, MOD-028, MOD-029, MOD-030, MOD-031, MOD-059, MOD-065, MOD-066, MOD-115, MOD-116, MOD-117, MOD-121, MOD-128, MOD-132, MOD-162, MOD-163, MOD-167 |
| SD06 | Snowflake Analytics & Risk Platform | bank-risk-platform | MOD-032, MOD-033, MOD-034, MOD-035, MOD-036, MOD-037, MOD-038, MOD-039, MOD-040, MOD-041, MOD-055, MOD-056, MOD-057, MOD-058, MOD-060, MOD-080, MOD-085, MOD-086, MOD-098, MOD-101, MOD-105, MOD-106, MOD-107, MOD-147, MOD-150, MOD-152, MOD-165, MOD-088, MOD-089, MOD-092, MOD-094, MOD-095, MOD-173, MOD-174, MOD-175 |
| SD07 | Data Platform & Governance Infrastructure | bank-platform | MOD-102, MOD-103, MOD-104, MOD-042, MOD-043, MOD-044, MOD-045, MOD-046, MOD-047, MOD-048, MOD-062, MOD-063, MOD-075, MOD-076, MOD-079, MOD-097, MOD-099, MOD-100, MOD-156, MOD-157, MOD-158, MOD-159, MOD-160, MOD-168, MOD-176, MOD-087, MOD-093 |
| SD08 | Customer App & Back Office Platform | bank-app | MOD-049, MOD-050, MOD-051, MOD-052, MOD-053, MOD-054, MOD-064, MOD-068, MOD-069, MOD-070, MOD-071, MOD-072, MOD-073, MOD-074, MOD-077, MOD-078, MOD-083, MOD-108, MOD-109, MOD-113, MOD-126, MOD-127, MOD-129, MOD-131, MOD-138, MOD-139, MOD-142, MOD-146, MOD-148, MOD-151, MOD-155, MOD-164, MOD-090, MOD-091, MOD-177 |
| SD09 | Brand & Public Surfaces | bank-brand | MOD-169 |
Business domains (11)¶
| ID | Name | Owner | Systems |
|---|---|---|---|
| BD01 | Customer | Head of Customer Experience | SD02, SD08 |
| BD02 | Finance & Accounting | Chief Financial Officer | SD01, SD06 |
| BD03 | Treasury | Chief Financial Officer / Head of Treasury | SD01, SD06 |
| BD04 | Product | Head of Product | SD01, SD04, SD08 |
| BD05 | Credit & Lending | Head of Credit Risk | SD05, SD06 |
| BD06 | Payments & Operations | Head of Payments | SD01, SD04 |
| BD07 | Financial Crime & Compliance | Chief Compliance Officer | SD02, SD03 |
| BD08 | Risk Management | Chief Risk Officer | SD06 |
| BD09 | Technology & Data | Chief Technology Officer | SD01, SD02, SD03, SD04, SD05, SD06, SD07, SD08 |
| BD10 | Governance & Legal | Company Secretary / General Counsel | — |
| BD11 | People & Culture | Chief People Officer | — |
Products (24)¶
| ID | Title | Status | Launch tier | Jurisdiction |
|---|---|---|---|---|
| PRD-001 | Everyday Transaction Account | Planned | 1 | NZ + AU |
| PRD-002 | High-Interest Savings Account | Planned | 1 | NZ + AU |
| PRD-003 | Term Deposit | Planned | 1 | NZ + AU |
| PRD-004 | Cross-border wallet | Planned | 1 | NZ + AU |
| PRD-005 | Personal Loan | Planned | 2 | NZ + AU |
| PRD-006 | At-Call Deposit Account | Planned | 2 | NZ + AU |
| PRD-007 | Multi-Currency Deposit / Wallet | Planned | 2 | NZ + AU |
| PRD-008 | Revolving Credit Facility | Planned | 2 | NZ + AU |
| PRD-009 | Amortising Loan | Planned | 2 | NZ + AU |
| PRD-010 | Contingent Liability Facility | Planned | 3 | NZ + AU |
| PRD-011 | Mortgage Offset Account | Planned | 3 | NZ + AU |
| PRD-012 | Reverse Mortgage | Planned | 3 | NZ + AU |
| PRD-013 | Invoice Financing | Planned | 3 | NZ + AU |
| PRD-014 | Revenue-Based Financing | Planned | 3 | NZ + AU |
| PRD-015 | Bank Guarantee / Letter of Credit | Planned | 3 | NZ + AU |
| PRD-016 | Escrow Account | Planned | 3 | NZ + AU |
| PRD-017 | SME Multi-Entity Business Account | Planned | 3 | NZ + AU |
| PRD-018 | Residential Mortgage | Planned | 2 | NZ + AU |
| PRD-019 | Linked Transaction Overdraft | Planned | 2 | NZ + AU |
| PRD-020 | Member Share Account | Planned | 3 | NZ + AU |
| PRD-021 | Notice Account | Planned | 2 | NZ + AU |
| PRD-022 | Youth Savings Account | Planned | 2 | NZ + AU |
| PRD-023 | Bridging Finance | Planned | 3 | NZ + AU |
| PRD-024 | Flexible Loan Facility | Planned | 3 | NZ + AU |
Entity tiers (9)¶
| ID | Name | Jurisdiction | Status | Asset threshold | Capital | Liquidity |
|---|---|---|---|---|---|---|
| AU-MSFI | AU ADI — Most Significant Financial Institution (proposed) | AU | Proposed | > AUD 300 billion (proposed) | IRB-eligible | LCR-NSFR |
| AU-NonSFI | AU ADI — Non-SFI | AU | Current | ≤ AUD 20 billion and not APRA-designated | Standardised | MLH |
| AU-NonSFI-3T | AU ADI — Non-SFI (three-tier, proposed) | AU | Proposed | ≤ AUD 30 billion and not APRA-designated (proposed three-tier framework) | Standardised | MLH |
| AU-SFI | AU ADI — Significant Financial Institution | AU | Current | > AUD 20 billion, or APRA-designated | IRB-eligible | LCR-NSFR |
| AU-SFI-3T | AU ADI — Significant Financial Institution (three-tier, proposed) | AU | Proposed | > AUD 30 billion (proposed three-tier framework) | IRB-eligible | LCR-NSFR |
| NZ-G1 | NZ Group 1 — D-SIB | NZ | Current | > NZD 100 billion | IRB-eligible | LCR-NSFR-MFCR |
| NZ-G2 | NZ Group 2 | NZ | Current | NZD 2 billion – NZD 100 billion | Standardised | LCR-NSFR-MFCR |
| NZ-G3 | NZ Group 3 | NZ | Current | < NZD 2 billion | Standardised | CFCR |
| NZ-G4 | NZ Group 4 — Overseas Branch | NZ | Current | n/a (overseas-incorporated entity) | N/A | N/A |