Reporting Layer

CDD-AI

Active

Aggregated Customer Due Diligence report pulling results from prior KYC, KYB, AML and Sanctions checks. Synthesises a single compliance report covering identity, corporate structure, transaction behaviour and sanctions exposure. Applies jurisdiction-specific EDD trigger logic and generates a regulatory-ready narrative.

Endpoint

POST/api/cdd/generate

How CDD-AI aggregates

Pass request IDs from prior plugin runs and CDD-AI pulls the full context automatically. You do not need to re-submit document data or transaction details.

Plugin	Request ID field	Data pulled
KYC-AI	`kyc_request_id`	Identity decision, extracted fields, face match, risk level
KYB-AI	`kyb_request_id`	Company verification, director and UBO screening results
AML-AI	`aml_request_id`	Transaction risk score, typologies detected, reporting obligations
Sanctions-AI	`sanctions_request_id`	List matches, PEP status, match scores

Request parameters

Parameter	Type	Required	Description
`customer_id`	string	Yes	Your unique customer identifier.
`jurisdiction`	string	Yes	One of: CA, AE, SA, GB. Determines CDD standard and EDD thresholds.
`customer_type`	string	No	One of: individual, business, trust, pep, high_risk (default: individual). PEP and high_risk trigger EDD automatically.
`risk_tier`	string	No	One of: standard, enhanced, simplified — overrides automatic tier calculation.
`kyc_request_id`	string	No	KYC-AI request ID. Identity verification details are pulled automatically.
`kyb_request_id`	string	No	KYB-AI request ID. Corporate due diligence details are pulled automatically.
`aml_request_id`	string	No	AML-AI request ID. Transaction risk details are pulled automatically.
`sanctions_request_id`	string	No	Sanctions-AI request ID. Screening details are pulled automatically.
`business_purpose`	string	No	Stated purpose of the business relationship.
`source_of_funds`	string	No	Stated source of funds.
`estimated_monthly_volume`	number	No	Estimated monthly transaction volume. Used in risk calibration.

Response fields

Parameter	Type	Required	Description
`success`	boolean	Yes	Whether the API call succeeded.
`data.status`	string	Yes	CDD decision: approved, rejected, or review_required.
`data.overall_risk_level`	string	Yes	Aggregate risk across all checked dimensions: low, medium, high, or critical.
`data.edd_required`	boolean	Yes	Whether Enhanced Due Diligence is required before onboarding.
`data.edd_triggers`	array	No	Specific EDD trigger reasons, e.g. pep_connection, high_risk_jurisdiction, complex_ownership.
`data.risk_summary`	object	Yes	Key-value breakdown: identity_risk, transaction_risk, sanctions_risk, pep_exposure, adverse_media.
`data.report_narrative`	string	Yes	Full CDD report narrative suitable for regulatory submission or audit file.
`data.ai_recommendation`	string	Yes	Next steps for onboarding, monitoring, or EDD completion.
`data.compliance_flags`	array	Yes	Structured flags with rule_id, severity, message, suggestion.
`data.requires_human_review`	boolean	Yes	True when EDD or manual review is required.
`processing_time_ms`	integer	Yes	Total processing time in milliseconds.

EDD triggers

EDD is automatically triggered when customer_type is pep or high_risk, when UBOs are in high-risk jurisdictions, when sanctions matches exist at any confidence level, or when AML risk score exceeds the jurisdiction threshold. EDD cases are flagged requires_human_review: true and added to the compliance queue.

Code example

curl -X POST \
  https://shield.kodexa.systems/api/cdd/generate \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "CUST-AE-001",
    "jurisdiction": "AE",
    "customer_type": "individual",
    "kyc_request_id": "kyc_1716000000_abc123",
    "aml_request_id": "aml_1716000000_abc123",
    "sanctions_request_id": "sanc_1716000000_abc123",
    "business_purpose": "Trade finance and import settlement",
    "source_of_funds": "Business revenue",
    "estimated_monthly_volume": 250000
  }'

Example response

json

{
  "success": true,
  "data": {
    "status": "approved",
    "overall_risk_level": "low",
    "edd_required": false,
    "edd_triggers": [],
    "risk_summary": {
      "identity_risk": "low",
      "transaction_risk": "low",
      "sanctions_risk": "none",
      "pep_exposure": false,
      "adverse_media": false
    },
    "report_narrative": "Customer Due Diligence Report — CUST-AE-001. Identity verified via Emirates ID (KYC approved, confidence 94%). No sanctions matches across OFAC, UN SC, CBUAE or PEP lists. Transaction monitoring shows standard trade finance pattern with no anomalies. Source of funds (business revenue) is consistent with stated business purpose (trade finance and import settlement). Standard CDD requirements satisfied under CBUAE AML-CFT guidelines...",
    "ai_recommendation": "Standard CDD requirements met. Customer cleared for onboarding. Schedule 12-month periodic review.",
    "compliance_flags": [],
    "requires_human_review": false,
    "request_id": "cdd_1716000000_abc123",
    "created_at": "2026-05-22T04:00:00.000Z"
  },
  "processing_time_ms": 2847,
  "jurisdiction": "AE",
  "plugin": "cdd"
}