Implement KYC/AML Compliance Module

[akargi]

Overview

Create a KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance module that manages user identity verification, document management, risk assessment, and regulatory compliance workflows.

Description

Financial platforms require robust KYC/AML processes to comply with regulations. This module manages user verification levels, document collection, risk scoring, and suspicious activity detection.

Requirements

• KYC verification levels: unverified, standard, enhanced, institutional
• Document collection workflow: ID verification, address proof, beneficial ownership
• Risk-based user scoring (low/medium/high/critical)
• Transaction risk assessment based on amount, frequency, and user profile
• Automatic flagging of suspicious activity patterns
• Admin dashboard for compliance review
• Integration with third-party verification services (optional)
• Audit trail for all compliance actions
• Configurable compliance thresholds per region
• Document storage and retrieval with encryption

Acceptance Criteria

• KYC status and AML risk entities created in database
• POST /api/compliance/kyc/verify initiates verification workflow
• GET /api/compliance/kyc/status returns user verification level
• Document upload endpoint with file validation and encryption
• Risk scoring algorithm evaluates users with multiple factors
• POST /api/compliance/aml/flag-review allows admin review of flagged transactions
• Suspicious activity patterns detected with >90% accuracy on test data
• Compliance audit log tracks all actions with timestamps and user info
• Unit tests for risk scoring logic (>85% coverage)
• E2E tests validate complete KYC workflow
• Transactions blocked for users exceeding risk threshold