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Lux Partners Limited is the Isle of Man company and does not appear on a public surface. Lux Industries Inc, a Delaware C corporation, is the one these copyright lines, citations and terms name. A bare "Lux Partners" is left alone unless the line says who owns something — elsewhere it is the name of a site, not a party.
136 lines
4.1 KiB
Go
136 lines
4.1 KiB
Go
// Copyright 2024-2026 Lux Industries Inc. All rights reserved.
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// Use of this source code is governed by the Apache 2.0
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// license that can be found in the LICENSE file.
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package cases
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import (
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"fmt"
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"strings"
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"time"
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"github.com/luxfi/aml/pkg/types"
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)
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// FilingType constants for FinCEN SAR.
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const (
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FilingInitial = "initial"
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FilingContinuing = "continuing"
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FilingCorrection = "correction"
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)
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// SARDraft is a structured SAR (Suspicious Activity Report) draft.
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// An analyst reviews and submits this — it is never auto-filed.
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type SARDraft struct {
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// Filing metadata
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FilingType string `json:"filing_type"`
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FiledBy string `json:"filed_by,omitempty"`
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GeneratedAt time.Time `json:"generated_at"`
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// Subject information (from entity)
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SubjectName string `json:"subject_name"`
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SubjectType string `json:"subject_type"` // individual, entity
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SubjectIDType string `json:"subject_id_type,omitempty"`
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SubjectIDNumber string `json:"subject_id_number,omitempty"`
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SubjectAddress string `json:"subject_address,omitempty"`
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SubjectDOB string `json:"subject_dob,omitempty"`
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SubjectSSN string `json:"subject_ssn,omitempty"` // last 4 only
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SubjectOccupation string `json:"subject_occupation,omitempty"`
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// Suspicious activity details
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ActivityType []string `json:"activity_type"`
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InstrumentType string `json:"instrument_type,omitempty"`
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Amount float64 `json:"amount"`
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Currency string `json:"currency"`
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DateRangeStart time.Time `json:"date_range_start"`
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DateRangeEnd time.Time `json:"date_range_end"`
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TransactionCount int `json:"transaction_count"`
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// Narrative (the core of the SAR — must be human-reviewed)
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Narrative string `json:"narrative"`
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// Case reference
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CaseID string `json:"case_id"`
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AlertIDs []string `json:"alert_ids"`
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}
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// GenerateSARDraft creates a SAR draft from a case, its alerts, and the entity.
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func GenerateSARDraft(c *types.Case, alerts []types.Alert, entity types.Entity) *SARDraft {
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draft := &SARDraft{
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FilingType: FilingInitial,
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GeneratedAt: time.Now().UTC(),
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CaseID: c.ID,
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AlertIDs: c.AlertIDs,
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SubjectName: entity.Name,
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SubjectType: entity.EntityType,
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Currency: "USD",
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}
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// Compute amount and date range from alerts.
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var totalAmount float64
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var earliest, latest time.Time
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activityTypes := make(map[string]bool)
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for _, a := range alerts {
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totalAmount += a.Score * 10000 // Rough estimate from score
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activityTypes[a.RuleName] = true
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if earliest.IsZero() || a.CreatedAt.Before(earliest) {
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earliest = a.CreatedAt
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}
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if a.CreatedAt.After(latest) {
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latest = a.CreatedAt
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}
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}
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draft.Amount = totalAmount
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draft.DateRangeStart = earliest
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draft.DateRangeEnd = latest
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draft.TransactionCount = len(alerts)
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types_ := make([]string, 0, len(activityTypes))
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for t := range activityTypes {
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types_ = append(types_, t)
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}
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draft.ActivityType = types_
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draft.Narrative = generateNarrative(c, alerts, entity)
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return draft
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}
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// generateNarrative creates the SAR narrative text from case + alerts + entity.
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func generateNarrative(c *types.Case, alerts []types.Alert, entity types.Entity) string {
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var b strings.Builder
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b.WriteString(fmt.Sprintf("This report is filed regarding suspicious activity involving %s ", entity.Name))
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b.WriteString(fmt.Sprintf("(entity type: %s", entity.EntityType))
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if entity.Jurisdiction != "" {
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b.WriteString(fmt.Sprintf(", jurisdiction: %s", entity.Jurisdiction))
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}
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b.WriteString(").\n\n")
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b.WriteString(fmt.Sprintf("Case #%d was opened on %s with severity %s. ",
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c.Number, c.OpenedAt.Format("2006-01-02"), c.Severity))
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b.WriteString(fmt.Sprintf("%d alert(s) triggered:\n\n", len(alerts)))
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for i, a := range alerts {
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b.WriteString(fmt.Sprintf(" %d. %s (severity: %s, action: %s, score: %.2f)\n",
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i+1, a.RuleName, a.Severity, a.ActionTaken, a.Score))
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}
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b.WriteString("\n")
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if entity.PEP {
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b.WriteString("NOTE: Subject is flagged as a Politically Exposed Person (PEP).\n")
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}
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if entity.SanctionsFlag {
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b.WriteString("NOTE: Subject has a sanctions list match.\n")
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}
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b.WriteString("\n[ANALYST: Review and supplement this narrative before filing.]")
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return b.String()
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}
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