{
  "format": "minctrl.process/v1",
  "graph": {
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      },
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        "id": "e1_intake__screen-split",
        "source": "intake",
        "target": "screen-split"
      },
      {
        "id": "e2_screen-split__screen-sanctions",
        "source": "screen-split",
        "target": "screen-sanctions"
      },
      {
        "id": "e3_screen-split__screen-media",
        "source": "screen-split",
        "target": "screen-media"
      },
      {
        "id": "e4_screen-sanctions__screen-merge",
        "source": "screen-sanctions",
        "target": "screen-merge"
      },
      {
        "id": "e5_screen-media__screen-merge",
        "source": "screen-media",
        "target": "screen-merge"
      },
      {
        "id": "e6_screen-merge__onboard-risk",
        "source": "screen-merge",
        "target": "onboard-risk"
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      {
        "id": "e7_onboard-risk__auto-onboard",
        "label": "clear / low risk",
        "source": "onboard-risk",
        "target": "auto-onboard"
      },
      {
        "id": "e8_onboard-risk__edd",
        "label": "high risk / sanctions or PEP hit",
        "source": "onboard-risk",
        "target": "edd"
      },
      {
        "id": "e9_edd__bsa-gate",
        "source": "edd",
        "target": "bsa-gate"
      },
      {
        "id": "e10_bsa-gate__apply-onboarding",
        "label": "onboarding approved",
        "source": "bsa-gate",
        "target": "apply-onboarding"
      },
      {
        "id": "e11_bsa-gate__ofac-action",
        "label": "sanctions hit confirmed: block/reject + OFAC report",
        "source": "bsa-gate",
        "target": "ofac-action"
      },
      {
        "id": "e12_ofac-action__monitor",
        "source": "ofac-action",
        "target": "monitor"
      },
      {
        "id": "e13_bsa-gate__file-sar",
        "label": "SAR signed",
        "source": "bsa-gate",
        "target": "file-sar"
      },
      {
        "id": "e14_bsa-gate__draft-sar",
        "label": "needs more investigation",
        "source": "bsa-gate",
        "target": "draft-sar"
      },
      {
        "id": "e15_auto-onboard__monitor",
        "source": "auto-onboard",
        "target": "monitor"
      },
      {
        "id": "e16_apply-onboarding__monitor",
        "source": "apply-onboarding",
        "target": "monitor"
      },
      {
        "id": "e17_file-sar__monitor",
        "source": "file-sar",
        "target": "monitor"
      },
      {
        "id": "e18_monitor__alert-disposition",
        "source": "monitor",
        "target": "alert-disposition"
      },
      {
        "id": "e19_alert-disposition__monitor",
        "label": "false positive / auto-close",
        "source": "alert-disposition",
        "target": "monitor"
      },
      {
        "id": "e20_alert-disposition__draft-sar",
        "label": "true hit",
        "source": "alert-disposition",
        "target": "draft-sar"
      },
      {
        "id": "e21_draft-sar__bsa-gate",
        "source": "draft-sar",
        "target": "bsa-gate"
      }
    ],
    "nodes": [
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        },
        "reversible": true,
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      },
      {
        "agent": "intake",
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        "id": "intake",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Onboard the customer: verify identity, resolve beneficial ownership (≥25% owners + one control person, 31 CFR 1010.230) and the nature & purpose / risk profile, and pull KYB records",
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      },
      {
        "agent": null,
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        "gateway": "parallel",
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        "kind": "gateway",
        "label": "Run the independent screens concurrently",
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        },
        "reversible": true,
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      },
      {
        "agent": "screen",
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        "gate": null,
        "gateway": null,
        "human": null,
        "id": "screen-sanctions",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Screen the party + UBO against OFAC SDN (strict liability; 50% rule) and PEP lists; flag any hit for block/reject and OFAC reporting",
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        },
        "reversible": true,
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      },
      {
        "agent": "screen",
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        "gateway": null,
        "human": null,
        "id": "screen-media",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Run adverse-media and negative-news screening on the party + UBO",
        "position": {
          "x": 0,
          "y": 480
        },
        "reversible": true,
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          "adverse-media"
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      },
      {
        "agent": "compliance",
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        "gateway": null,
        "human": null,
        "id": "screen-merge",
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        "kind": "agent",
        "label": "Consolidate the screening hits and score onboarding risk",
        "position": {
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        },
        "reversible": true,
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        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "txn-monitor"
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      },
      {
        "agent": null,
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        "gateway": "exclusive",
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        "id": "onboard-risk",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Onboarding risk?",
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          "x": 0,
          "y": 720
        },
        "reversible": true,
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      },
      {
        "agent": "intake",
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        "gateway": null,
        "human": null,
        "id": "auto-onboard",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Clear hit / low risk: auto-approve onboarding with a documented rationale — a reversible, in-policy decision",
        "position": {
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        },
        "reversible": true,
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        "tier": "low",
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      },
      {
        "agent": "compliance",
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        "gate": null,
        "gateway": null,
        "human": null,
        "id": "edd",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Enhanced due diligence on the high-risk party: establish source of wealth and funds, deepen UBO/PEP checks, and assemble the senior-management-approval package (FATF R.12)",
        "position": {
          "x": 0,
          "y": 960
        },
        "reversible": true,
        "sla": null,
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        "tier": "medium",
        "tools": [
          "kyb",
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      },
      {
        "agent": null,
        "confidential": false,
        "gate": "gate:bsa-officer-signoff",
        "gateway": null,
        "human": "Designated BSA/AML Officer",
        "id": "bsa-gate",
        "interrupt_before": true,
        "kind": "gate",
        "label": "The BSA/AML Officer signs the high-risk onboarding approval, any SAR filing, and any required OFAC block/reject — or sends the case back for more investigation",
        "position": {
          "x": 0,
          "y": 1080
        },
        "reversible": false,
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        "sla_spec": null,
        "tier": "high",
        "tools": []
      },
      {
        "agent": "file",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "ofac-action",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Execute the signed-off OFAC action: block or reject the prohibited transaction/account and file the OFAC report within 10 business days",
        "position": {
          "x": 0,
          "y": 1200
        },
        "reversible": false,
        "sla": "10 business days",
        "sla_spec": null,
        "tier": "high",
        "tools": [
          "sanctions-screen",
          "sar-filing"
        ]
      },
      {
        "agent": "file",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "apply-onboarding",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Apply the approved high-risk onboarding decision (open or restrict the account)",
        "position": {
          "x": 0,
          "y": 1320
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": [
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      },
      {
        "agent": "file",
        "confidential": true,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "file-sar",
        "interrupt_before": false,
        "kind": "agent",
        "label": "File the signed SAR with FinCEN within 30 calendar days of initial detection (up to 60 if no suspect is identified); the SAR is confidential — no tipping-off (31 USC 5318(g)(2)); retain records 5 years",
        "position": {
          "x": 0,
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        },
        "reversible": false,
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      },
      {
        "agent": "monitor",
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        "id": "monitor",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Maintain the monitoring loop, triage transaction alerts, and document dispositions for exam; retain SARs and supporting documentation with dispositions for 5 years",
        "position": {
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          "y": 1560
        },
        "reversible": true,
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      },
      {
        "agent": null,
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        "gateway": "exclusive",
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        "id": "alert-disposition",
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        "label": "Alert disposition?",
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        "reversible": true,
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      },
      {
        "agent": "compliance",
        "confidential": true,
        "gate": null,
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        "human": null,
        "id": "draft-sar",
        "interrupt_before": false,
        "kind": "agent",
        "label": "True hit: investigate the alert and draft the SAR narrative for officer sign-off (the 30-day SAR clock runs from initial detection, not from drafting)",
        "position": {
          "x": 0,
          "y": 1800
        },
        "reversible": true,
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      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "__end__",
        "interrupt_before": false,
        "kind": "terminal",
        "label": "Done",
        "position": {
          "x": 0,
          "y": 1920
        },
        "reversible": true,
        "sla": null,
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        "tier": "terminal",
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    ]
  },
  "hash": "ebae017ef8af6f158dec0b7f5997ee7df5e424363917f9db4d0da87b81b2b945",
  "name": "KYC/AML compliance autopilot",
  "slug": "aml",
  "source": "example",
  "version": null,
  "violations": []
}