Application-Object Mapping¶
Minimum required ontology objects per application, with relationship details and cross-application dependency analysis.
App 1: Customer 360 & Relationship Intelligence¶
Basel: Pillar 3 (Conduct) | Minimum Objects: 12
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Customer_Master |
CBS | Core entity — golden customer record | — |
Household |
Internal | Family grouping for TRV calculation | depends_on -> Customer_Master |
Deposit_Account |
CBS | Product holdings and balance trends | depends_on -> Customer_Master |
Loan_Account |
LOS/CBS | Lending relationship and performance | depends_on -> Customer_Master |
Transaction_Ledger |
CBS | Transaction patterns for behavioral analysis | depends_on -> Deposit_Account |
SF_Account |
Salesforce FSC | CRM profile, RM assignment | syncs_to -> Customer_Master |
SF_Financial_Account |
Salesforce FSC | Salesforce view of product holdings | depends_on -> SF_Account |
Advisory_Interaction |
Salesforce FSC | Advisor notes and interaction history | depends_on -> SF_Account |
Opportunity |
Salesforce FSC | Cross-sell pipeline | depends_on -> SF_Account |
Credit_Score |
Internal | Risk context for customer profile | depends_on -> Customer_Master |
AML_Alert |
AML System | Risk flags for customer profile | depends_on -> Customer_Master |
KYC_Document |
DMS | Compliance status for profile | validates -> Customer_Master |
Policies: customer-relationship-policy, aml-kyc-policy Workflows: customer-360-nba Integrations: cbs-sfsc-sync
App 2: Credit Risk & Early Warning System¶
Basel: Pillar 1 (IRB) / IFRS 9 | Minimum Objects: 12
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Customer_Master |
CBS | Borrower identity | — |
Loan_Account |
LOS/CBS | Credit exposure master | depends_on -> Customer_Master |
Repayment_Schedule |
CBS | Payment behavior tracking | depends_on -> Loan_Account |
Collateral |
LOS | Security for recovery estimation | depends_on -> Loan_Account |
Credit_Score |
Internal | Composite risk score (bureau + behavioral) | depends_on -> Customer_Master |
ECL_Staging |
Internal | IFRS 9 stage and ECL per exposure | depends_on -> Loan_Account, Credit_Score |
EWS_Signal |
Internal | Early warning indicators | depends_on -> Customer_Master |
Risk_Rating |
Internal | Internal rating (1-22 scale) | depends_on -> Customer_Master |
Deposit_Account |
CBS | Linked account balance trends for EWS | depends_on -> Customer_Master |
Macro_Indicator |
Market Data | Forward-looking macro overlay for ECL | — |
Sector_Index |
Market Data | Sector stress signals | — |
Relationship_Group |
Internal | Concentration risk (group exposure) | depends_on -> Customer_Master |
Policies: credit-risk-policy, capital-adequacy-policy Workflows: credit-ews, ecl-calculation Integrations: cbs-los-sync, market-data-feed
App 3: Fraud Detection & AML Intelligence¶
FATF / FinCEN | Minimum Objects: 10**
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Customer_Master |
CBS | Entity under investigation | — |
Transaction_Ledger |
CBS | Transaction data for anomaly detection | depends_on -> Customer_Master |
Card_Transaction |
CBS | Card fraud detection | depends_on -> Customer_Master |
Transaction_Pattern |
Internal | Behavioral baseline for anomaly scoring | depends_on -> Customer_Master |
AML_Alert |
AML System | Alert from transaction monitoring | depends_on -> Customer_Master |
SAR_Filing |
AML System | Suspicious activity report | depends_on -> AML_Alert |
Watchlist_Match |
AML System | Sanctions/PEP screening result | depends_on -> Customer_Master |
KYC_Document |
DMS | Customer due diligence status | validates -> Customer_Master |
Relationship_Group |
Internal | Network analysis for laundering detection | depends_on -> Customer_Master |
Interbank_Transaction |
CBS | Interbank flow for network analysis | — |
Policies: aml-kyc-policy Workflows: transaction-anomaly-detection, sar-generation Integrations: cbs-aml-sync, unstructured-extraction
App 4: Regulatory Compliance & Reporting¶
Basel: All Pillars / BCBS 239 | Minimum Objects: 12
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Capital_Component |
Internal | CET1, AT1, Tier 2 components | — |
RWA_Calculation |
Internal | Risk-weighted assets by risk type | depends_on -> Loan_Account, Investment_Holding |
Provision_Record |
Internal | ECL provisions for IFRS 9 reporting | depends_on -> ECL_Staging |
Regulatory_Return |
Internal | Filing status and submission tracking | — |
Regulatory_Circular |
Regulatory Feeds | Change intelligence and impact assessment | — |
Loan_Account |
LOS/CBS | Credit exposure for RWA | depends_on -> Customer_Master |
Investment_Holding |
CBS/Treasury | Market risk positions | — |
Liquidity_Position |
CBS/Treasury | LCR/NSFR for liquidity reporting | — |
Loss_Event |
Internal | Operational risk data for OpRisk RWA | — |
AML_Alert |
AML System | AML metrics for regulatory reporting | depends_on -> Customer_Master |
SAR_Filing |
AML System | SAR filing metrics | depends_on -> AML_Alert |
Collateral |
LOS | Collateral for LGD in RWA calculation | depends_on -> Loan_Account |
Policies: capital-adequacy-policy, data-freshness-policy Workflows: capital-adequacy-calculation, regulatory-return-generation Integrations: market-data-feed, regulatory-feed
App 5: Treasury & Liquidity Optimization¶
Basel: Liquidity (LCR/NSFR) | Minimum Objects: 10
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Balance_Sheet_Position |
CBS/Treasury | Aggregated balance sheet line items | — |
Deposit_Account |
CBS | Deposit base for cash flow and LCR | depends_on -> Customer_Master |
Fixed_Deposit |
CBS | Term deposits with maturity schedule | depends_on -> Customer_Master |
Loan_Account |
LOS/CBS | Lending side of balance sheet | depends_on -> Customer_Master |
Investment_Holding |
CBS/Treasury | HQLA portfolio and investment book | — |
Liquidity_Position |
Internal | Daily LCR/NSFR tracking | — |
FTP_Rate |
Internal | Fund transfer pricing rates | depends_on -> Yield_Curve |
Yield_Curve |
Market Data | Interest rate curves for ALM and FTP | — |
Interbank_Transaction |
CBS | Interbank positions | — |
Opportunity |
Salesforce FSC | Business pipeline for cash flow forecasting | depends_on -> SF_Account |
Policies: treasury-liquidity-policy, capital-adequacy-policy Workflows: cash-flow-alm Integrations: cbs-sfsc-sync, market-data-feed
App 6: Loan Lifecycle Intelligence¶
Basel: Pillar 1 (Credit) | Minimum Objects: 11
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Loan_Application |
LOS | Origination pipeline tracking | depends_on -> Customer_Master |
Loan_Account |
LOS/CBS | Active loan master | depends_on -> Customer_Master |
Repayment_Schedule |
CBS | Payment schedule and history | depends_on -> Loan_Account |
Collateral |
LOS | Collateral value and LTV monitoring | depends_on -> Loan_Account |
Guarantor |
LOS | Guarantee coverage | depends_on -> Loan_Account |
Loan_Document |
DMS | Supporting documents (OCR+LLM extracted) | depends_on -> Loan_Application |
Customer_Master |
CBS | Borrower profile and identity | — |
Credit_Score |
Internal | Credit decision input | depends_on -> Customer_Master |
KYC_Document |
DMS | KYC verification for origination | validates -> Customer_Master |
Commodity_Price |
Market Data | Collateral market value (gold, property indices) | — |
SF_Financial_Account |
Salesforce FSC | Advisor view of loan | depends_on -> SF_Account |
Policies: lending-policy, collections-recovery-policy, aml-kyc-policy Workflows: loan-origination, collections-prioritization Integrations: cbs-los-sync, unstructured-extraction
App 7: Revenue & Product Recommendation¶
Basel: Pillar 3 (Conduct) | Minimum Objects: 10
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Customer_Master |
CBS | Customer profile and segmentation | — |
Deposit_Account |
CBS | Product holding (deposit side) | depends_on -> Customer_Master |
Loan_Account |
LOS/CBS | Product holding (lending side) | depends_on -> Customer_Master |
Transaction_Ledger |
CBS | Transaction patterns for life-stage detection | depends_on -> Customer_Master |
Credit_Score |
Internal | Risk context for pricing | depends_on -> Customer_Master |
SF_Account |
Salesforce FSC | CRM profile for campaign targeting | syncs_to -> Customer_Master |
Advisory_Interaction |
Salesforce FSC | Interaction history for offer timing | depends_on -> SF_Account |
Opportunity |
Salesforce FSC | Cross-sell pipeline tracking | depends_on -> SF_Account |
Campaign |
Salesforce FSC | Campaign execution and attribution | — |
Yield_Curve |
Market Data | Competitive rate benchmarking | — |
Policies: customer-relationship-policy, lending-policy Workflows: customer-360-nba Integrations: cbs-sfsc-sync, market-data-feed
App 8: Operational Risk & Process Mining¶
Basel: Pillar 1 (OpRisk) | Minimum Objects: 9
| Object | System | Role in App | Key Relationship |
|---|---|---|---|
Loss_Event |
Internal | Operational loss tracking per Basel taxonomy | — |
Control_Test |
Internal | Control effectiveness testing | — |
Process_Event_Log |
CBS/LOS/SFSC | System event logs for process mining | — |
Incident_Record |
Internal | Operational incident tracking | — |
Audit_Finding |
DMS | Internal/external audit findings | depends_on -> Compliance_Report |
Compliance_Report |
DMS | Audit and compliance reports (NLP-extracted) | — |
Customer_Master |
CBS | Context for customer-impacting incidents | — |
Transaction_Ledger |
CBS | Transaction logs for process conformance | depends_on -> Customer_Master |
Deposit_Account |
CBS | Account operations for process mining | depends_on -> Customer_Master |
Policies: operational-risk-policy, data-freshness-policy Workflows: process-mining-rca, rcsa-kri-analysis (shared from capital adequacy) Integrations: All system integrations (event log collection)
Cross-Application Dependency Matrix¶
Shows which entities are shared across applications (checkmark = required by that app):
| Entity | Cust 360 | Credit Risk | Fraud/AML | Regulatory | Treasury | Loan Lifecycle | Revenue | OpRisk |
|---|---|---|---|---|---|---|---|---|
| Customer_Master | x | x | x | — | — | x | x | x |
| Deposit_Account | x | x | — | — | x | — | x | x |
| Loan_Account | x | x | — | x | x | x | x | — |
| Transaction_Ledger | x | — | x | — | — | — | x | x |
| Credit_Score | x | x | — | — | — | x | x | — |
| SF_Account | x | — | — | — | — | — | x | — |
| AML_Alert | x | — | x | x | — | — | — | — |
| Collateral | — | x | — | x | — | x | — | — |
| Investment_Holding | — | — | — | x | x | — | — | — |
| Yield_Curve | — | — | — | — | x | — | x | — |
| ECL_Staging | — | x | — | x | — | — | — | — |
| Capital_Component | — | — | — | x | x | — | — | — |
| Loss_Event | — | — | — | x | — | — | — | x |
| KYC_Document | x | — | x | — | — | x | — | — |
Entity Count per App¶
| Application | Min Objects | Workflows | Policies | Integrations |
|---|---|---|---|---|
| Customer 360 | 12 | 1 | 2 | 1 |
| Credit Risk & EWS | 12 | 2 | 2 | 2 |
| Fraud & AML | 10 | 2 | 1 | 2 |
| Regulatory Compliance | 12 | 2 | 2 | 2 |
| Treasury & Liquidity | 10 | 1 | 2 | 2 |
| Loan Lifecycle | 11 | 2 | 3 | 2 |
| Revenue & Product | 10 | 1 | 2 | 2 |
| Operational Risk | 9 | 1 | 2 | 6 (all) |