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.

Program-Specific Formats

For detailed file formats specific to each program, refer to:

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.