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Payments & Settlement
Domain ID D06
Owner Head of Payments
Jurisdiction NZ + AU
Applicability Platform — SD04 delivers pre-payment validation (MOD-020), payment limit control (MOD-021), fraud scoring (MOD-023), FX rate lock (MOD-025), and IFTI/CMIR trigger (MOD-026). In Track 2 the tenant holds scheme membership; the platform processes payments on their behalf.

Governance of payment processing, settlement risk, scheme obligations, and cross-border fund transfer compliance.

Policies

Code Policy name Status
PAY-001 Payment Operations Policy Draft
PAY-002 Settlement Risk Policy Draft
PAY-003 Card Scheme Compliance Policy Draft
PAY-004 Cross-Border Payments & FX Policy Draft
PAY-005 Payment Fraud Prevention Policy Draft
PAY-006 PCI DSS Compliance Policy Draft

Systems satisfying this domain

  • MOD-020: Pre-payment validation suite — GATE (all payment gates)
  • MOD-021: Payment limit controller — GATE/ALERT (velocity/limits)
  • MOD-022: Payment audit trail — LOG (immutable payment record)
  • MOD-023: Transaction fraud scorer — AUTO (fraud gate)
  • MOD-024: Device & session intelligence — ALERT/GATE
  • MOD-025: FX rate lock — LOG (FX transparency)
  • MOD-026: IFTI/CMIR trigger — AUTO (reporting)

Policies in this domain

Code Title Status Owner
PAY-001 Payment Operations Policy Draft Head of Payments
PAY-002 Settlement Risk Policy Draft Head of Payments
PAY-003 Card Scheme Compliance Policy Draft Head of Payments
PAY-004 Cross-Border Payments & FX Policy Draft Head of Treasury
PAY-005 Payment Fraud Prevention Policy Draft Head of Payments
PAY-006 PCI DSS Compliance Policy Draft Head of Payments
PAY-007 Ledger Posting & Account Integrity Policy Draft Chief Financial Officer
PAY-008 Payment Routing, Sponsor & Card-Scheme Abstraction Policy Draft Head of Payments
PAY-009 Payment Exceptions, Returns & Reversals Policy Draft Head of Payments
PAY-010 Open Banking & API access Draft Chief Technology Officer

Compiled 2026-05-22 from source/entities/risk-domains/D06.yaml