Financial_Detect India v2 — RBI/PMLA/FIU-IND/DPDPA Full Compliance

🇮🇳 AML Triage Input — v2.0 Full Compliance

PMLA · RBI · FIU-IND · UNSC · UAPA · CKYC · DPDPA · AA Framework

Transaction

CKYC / KYC

Sanctions

Digital Fraud

DPDPA

Trigger

Aggregate

Reasoning

Gateway

Report

Alert ID / Txn ID

Alert Type

Amount & Currency

Channel

Counterparty

Jurisdiction

Investigator Notes

CKYC / CKYCR Verification

CKYC Number

KYC Last Updated

KYC Refresh Due

KYC Status

Customer Risk Category

PEP Status

RBI KYC Master Directions: High-risk customers require KYC refresh every 2 years. KYC overdue status will be flagged in the triage pipeline and included in FIU-IND audit trail.

Sanctions Screening Parameters

Customer Name (for screening)

Entity / Counterparty

Screening Lists to Check

UNSC Consolidated Sanctions List UAPA 1967 — Terrorist Watchlist (India) Interpol Red Notices RBI Sanctions Guidelines (Circular 2023) OFAC SDN List EU Consolidated Sanctions FATF High-Risk Jurisdictions

Critical — RBI Mandate: All banks must screen against UNSC Consolidated List, UAPA terrorist designations, and RBI Sanctions Circulars before processing any transaction. Failure is a PMLA violation.

Digital Fraud Indicators

Device Fingerprint Change

UPI / IMPS Pattern

KYC Video Verification

Account Aggregator Consent

Loan Application Pattern

DPDPA 2023 — Data Privacy Controls

Data Processing Consent

PII Masking Level

Data Retention Policy

DPDPA 2023: Personal data processing requires valid consent. PMLA 5-year retention overrides right-to-erasure for AML records. PII masking applied in audit logs.

Model Bias Check

Human Override Available

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v2.0 Full-Compliance Pipeline

Submit a transaction to run the 5-stage pipeline with Sanctions Screening, CKYC Verification, Digital Fraud Detection, FIU-IND Multi-Report Filing, and Explainable AI governance.