Overview

For the bank to perform transaction monitoring (BSA/AML) and sanctions screening, data will be requested on your program’s activity. These documents define the structure and formatting standards for transmitting data and reconciliation reports:

Common Data Entities

Accounts: Defines the structure for account-level data, including attributes such as account type, status, and balance. Accounts may be held by individuals or businesses.

Business: Captures information about legal entities that hold accounts. Business records may also be linked to beneficial owners.

Beneficial Ownership: Identifies individuals who own or control a business. These may include:

• Beneficial Owners
• Control Persons
• Natural Authorized Persons

This information supports anti-money laundering (AML) compliance under the Bank Secrecy Act.

Note: For a list of valid exemption reason values used in beneficial ownership reporting, see the Exemption Reason Values Reference.

Data Specifications for Account Reconciliation

Account reconciliation outlines the procedures for aligning your internal records to ensure accurate financial reporting. For more information, please refer to the Account Reconciliation Guide.

Transaction Monitoring & Sanctions Screening

Details the requirements for anti-money laundering (AML) transaction monitoring, and sanctions screening. For more information, please refer to the Transaction Monitoring and Sanctions Screening Integration Guide.

Note: This shared data model is distinct from the one used by Newline’s APIs.

Related Resources

These resources provide essential guidance for implementing and maintaining your program across EDAS and Card Issuing. Refer to each for entity definitions, file formats, and operational requirements.

• Card Issuing Specific File Specs Covers specifications for cardholder data, card metadata, and posted transactions specific to the Card Issuing Sponsorship program.

• EDAS Onboarding Guide Provides integration methods, daily file delivery instructions, and reconciliation requirements for EDAS programs.