CDD tier assignment engine¶

Assigns Standard, Simplified, or Enhanced CDD tier to every customer based on risk factors. Tier is re-evaluated on each trigger event.

Module dependencies¶

Module	Title	Required?	Contract	Reason
MOD-009	eIDV & document verification	Required	—	CDD tier assignment consumes the identity confidence score and verification result produced by eIDV.
MOD-104	AWS shared infrastructure bootstrap	Required	—	AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed.
MOD-103	Neon database platform bootstrap	Required	—	Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres.

Module	Title	As	Contract
MOD-011	KYC periodic review scheduler	Hard dependency	—
MOD-012	KYC audit trail store	Hard dependency	—
MOD-027	Affordability calculator	Hard dependency	`contract/api/`
MOD-028	Credit score & risk rating	Hard dependency	`contract/api/`
MOD-039	Customer risk score model	Hard dependency	`contract/dbt/`
MOD-059	Credit bureau submission engine	Hard dependency	`contract/api/`
MOD-060	FATCA/CRS/AEOI reporting engine	Hard dependency	—
MOD-072	Customer profile & settings	Hard dependency	—
MOD-074	Back-office customer 360	Optional enhancement	`contract/api/`
MOD-096	Multi-entity party graph manager	Hard dependency	`contract/api/`
MOD-105	Product eligibility engine	Hard dependency	—
MOD-147	Related party exposure monitor	Hard dependency	—
MOD-148	Privacy access request (DSAR) workflow	Hard dependency	—
MOD-152	Climate risk assessment	Hard dependency	—
MOD-153	Customer acceptance engine	Hard dependency	—
MOD-155	Target Market Determination (AU DDO)	Hard dependency	—

Policy	Title	Mode	How
AML-002	Customer Due Diligence (CDD) Policy	`AUTO`	CDD tier set by rule engine — not agent discretion. EDD triggered automatically for PEPs and high-risk jurisdictions
AML-004	Politically Exposed Persons (PEP) Policy	`ALERT`	PEP detection triggers EDD tier and senior management notification flag — no human decision required to escalate
GOV-002	Risk Appetite Statement Policy	`GATE`	Customer risk score within RAF thresholds — auto-decline or auto-refer above appetite

Capability	Title	Mode	How
CAP-046	Real-time account opening (sub-10 minutes)	`AUTO`	CDD tier assignment runs automatically at onboarding so the account is risk-rated before the customer's first transaction.
CAP-062	CDD automatic tier assignment	`AUTO`	Assigns the CDD tier from identity and risk data without manual intervention, enabling straight-through onboarding.
CAP-066	Self-service KYC refresh	`AUTO`	Accepts refreshed identity data from the customer-facing KYC refresh flow and updates the CDD tier accordingly.

Part of SD02 — Customer Identity & KYC Platform Compiled 2026-05-22 from source/entities/modules/MOD-010.yaml