DATA ONTOLOGY — SPLIT BY LINE OF BUSINESS
Two independent ontology sets, each with its own Level 0 + domain-level detail: Consumer Banking (10 domains, retail customers) and Institutional Banking (11 domains, corporate/institutional clients — Legal Entity & Organization Data restored as a first-class domain).
CONSUMER BANKING
INSTITUTIONAL BANKING
Level 0 01 Party & Customer 02 Product & Agreement 03 Account & Position 04 Collateral & Asset 05 Transaction & Payment 06 Document & Case 07 Risk 08 Finance & Accounting 09 Regulatory & Compliance 10 Reference & Market
1 M holds 1 M owns 1 1 governs terms of 1 M is secured by 1 M generates M M raises M 1 feeds exposure to M 1 posts to M 1 aggregates into M 1 aggregates into 1 M raises feeds profile to (1:M) supplies golden reference values to every domain (dashed) Party & Customer Data Individuals & households the bank serves Reference & Market Data Merchant, branch/ATM & partner reference tru Product & Agreement Data Deposits, loans, mortgages, cards, insurance Account & Position Data Savings, current, FD, loan & card accounts Collateral & Asset Data Mortgage collateral, property, valuation Transaction & Payment Data Card, ATM, payment & remittance movements Document & Case Data Servicing cases, complaints, correspondence Risk Data Credit score, delinquency, fraud, collection Finance & Accounting Data Retail ledger & product profitability Regulatory & Compliance Data Consumer protection, tax (FATCA/CRS), return LEVEL 0 — CONSUMER BANKING DATA ONTOLOGY 10 data domains scoped to retail customers — no Legal Entity/Group Hierarchy layer (not applicable to individuals) Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Customer_ID Name Demographics Risk Profile Household_ID Beneficial Ownership Relationship Hierarchy Case_ID Screening Result CDD / EDD Level Consent_ID Channel Purpose Credential_ID Entitlement Auth Method Session Status Holder_ID Relationship to Primary Signatory Rights M 1 belongs to 1 M is subject of M M co-occurs with 1 1 is protected by 1 M may add owns Account & Position Data holds Product & Agreement Data feeds profile to Risk Data secures access to Account & Position Data Customer Household KYC / Due Diligence Case Consent Access Credential Joint Account Holder PARTY & CUSTOMER DATA — Consumer Banking Individuals and households — entities, attributes and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Product_ID Interest Rate Type (Savings / Current / FD) Tenure Product_ID APR Loan Type Term Agreement_ID LTV Property Ref Rate Type Product_ID Credit Limit Rule Card Type Rewards Program Policy_ID Cover Type Premium Claim_ID Claim Status Claim Amount M M co-exists with 1 1 specialises into M M co-exists with M M co-exists with 1 M may result in held by Party & Customer Data governs terms of Account & Position Data is secured by Collateral & Asset Data is documented in Document & Case Data Deposit Product Loan Product Mortgage Agreement Card Product Insurance Policy Insurance Claim PRODUCT & AGREEMENT DATA — Consumer Banking Deposits, loans, mortgages, cards & insurance — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Account_No Status Account Type Open Date FD_ID Maturity Date Principal Interest Rate Account_No Next Due Date Outstanding Balance Card_No Limit Card Type Expiry Holding_ID Quantity Instrument Market Value 1 M co-exists with M M co-exists with M M co-exists with M M co-exists with owned by Party & Customer Data governed by Product & Agreement Data generates Transaction & Payment Data is profiled via Party & Customer Data (Risk Profile) Savings / Current Account Fixed Deposit Loan Account Card Account Investment Holding ACCOUNT & POSITION DATA — Consumer Banking Where retail value sits — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Collateral_ID Status Pledge Date Property_ID Title Deed Address Valuation_ID Market Value Valuation Date 1 1 is a 1 M is assessed by secures Product & Agreement Data (Mortgage) mitigates Risk Data Mortgage Collateral Property Valuation Record COLLATERAL & ASSET DATA — Consumer Banking Mortgage collateral, property and valuation — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Instruction_ID Currency Amount Beneficiary Transaction_ID Amount Merchant Auth Code Transaction_ID Amount ATM_ID Remittance_ID Receiver Sender Corridor M M co-exists with M M co-exists with M M co-exists with generated by Account & Position Data posts to Finance & Accounting Data feeds exposure to Risk Data raises Document & Case Data Payment Instruction Card Transaction ATM Transaction Remittance TRANSACTION & PAYMENT DATA — Consumer Banking Card, ATM, payment & remittance movements — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Case_ID Status Case Type Priority Complaint_ID Root Cause Category Resolution Request_ID Channel Request Type Comm_ID Sent Date Channel Task_ID Assignee Task Type Status 1 1 may specialise into M M co-occurs with 1 M triggers 1 1 is routed via is raised by Account / Transaction / Party Data orchestrates Account & Position / Transaction & Payment Data Customer Case Complaint Servicing Request Communication Workflow / Task DOCUMENT & CASE DATA — Consumer Banking Servicing cases, complaints and correspondence — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Score_ID Score Date Score Value Case_ID Bucket Days Past Due Alert_ID Disposition Alert Type Case_ID Promise to Pay Strategy 1 M may lead to M M co-occurs with M 1 may escalate to fed by Party & Customer / Account Data aggregates into Regulatory & Compliance Data raises Document & Case Data Credit Score / Rating Delinquency Case Fraud Alert Collections Case RISK DATA — Consumer Banking Credit score, delinquency, fraud and collections — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named GL_Code Balance Ledger Type Journal_ID Credit Debit Profitability_ID Revenue Product Cost 1 M receives M 1 informs posted from Transaction & Payment Data aggregates into Regulatory & Compliance Data Ledger Account Journal Entry Product Profitability FINANCE & ACCOUNTING DATA — Consumer Banking Retail ledger and product profitability — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Return_ID Due Date Regulator Case_ID Status Guideline Ref Record_ID Status Tax Regime 1 M may include M M co-occurs with aggregated from Risk / Finance & Accounting Data is documented in Document & Case Data Regulatory Return Consumer Protection Case Tax Compliance Record (FATCA/CRS) REGULATORY & COMPLIANCE DATA — Consumer Banking Consumer protection, tax and returns — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Merchant_ID Onboard Date MCC Code Site_ID Type Location Partner_ID API Scope Partner Type Dealer_ID Commission Rate Dealer Type Metadata_ID Lineage Path Business Term M M co-references with M M co-references with M M co-references with M 1 is documented by supplies golden values to Transaction & Payment Data supplies golden values to Product & Agreement Data documents lineage for every Consumer domain (governance) Merchant Reference Branch / ATM Network Reference Partner / API Reference Dealer Reference Metadata / Lineage Record REFERENCE & MARKET DATA — Consumer Banking Merchant, branch/ATM network & partner reference — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named
Level 0 01 Party & Customer 02 Legal Entity & Org 03 Product & Agreement 04 Account & Position 05 Collateral & Asset 06 Transaction & Payment 07 Document & Case * 08 Risk 09 Finance & Accounting 10 Regulatory & Compliance 11 Reference & Market
1 M classifies / parents 1 M holds 1 M owns 1 1 governs terms of 1 M is secured by 1 M generates M M raises M 1 feeds exposure to M 1 posts to M 1 aggregates into M 1 aggregates into 1 M raises feeds profile to (1:M) supplies golden reference values to every domain (dashed) Legal Entity & Organization Data LEI, registration, group hierarchy, UPI Party & Customer Data Corporate customers, prospects, RM coverage Reference & Market Data Instrument, counterparty & market feed truth Product & Agreement Data Facilities, trade instruments, syndication, Account & Position Data Cash mgmt, nostro/vostro, custody, securitie Collateral & Asset Data Collateral, margin, custody assets Transaction & Payment Data High-value payments, FX, derivatives, settle Document & Case Data Deal docs, trade confirms, compliance cases Risk Data Obligor rating, exposure, covenant, AML/sanc Finance & Accounting Data Ledger, journals, corporate treasury positio Regulatory & Compliance Data Basel/BCBS returns, SAR/STR filings, attesta LEVEL 0 — INSTITUTIONAL BANKING DATA ONTOLOGY 11 data domains scoped to corporate/institutional clients — Legal Entity & Organization Data restored as a first-class domain Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Client_ID Legal Name Industry Relationship Tier Prospect_ID Stage Source Coverage_ID Effective Date RM Owner Segment_ID Tier Segment Type Plan_ID Cross-sell Opportunity Revenue Target 1 1 originates from 1 1 is assigned 1 1 informs 1 M is planned via is classified under Legal Entity & Organization Data holds Product & Agreement Data owns Account & Position Data Corporate Customer Prospect RM Coverage Assignment Segmentation Record Account Plan PARTY & CUSTOMER DATA — Institutional Banking Corporate & institutional clients — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named LEI Legal Name Legal Form Jurisdiction Registration_ID Status Regulator Group_ID Control Indicator Ownership % UPI_ID Consolidation Level Relationship_ID Type Correspondent Bank 1 1 is confirmed by 1 M informs M 1 rolls up to 1 M maintains classifies Party & Customer Data aggregates exposure into Risk Data supplies reference to Reference & Market Data Legal Entity Registration Record Group Hierarchy Ultimate Parent Entity Counterparty Relationship LEGAL ENTITY & ORGANIZATION DATA — Institutional Banking Registered legal structures — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Facility_ID Covenant Facility Type Limit Instrument_ID Compliance Doc LC / Guarantee Type Syndication_ID Allocation Lead Arranger Mandate_ID Fee Structure Deal Type Programme_ID Invoice Ref Buyer / Supplier Financing Limit M M co-exists with M M co-exists with M M co-exists with M M co-exists with holds Party & Customer Data governs terms of Account & Position Data is secured by Collateral & Asset Data finances Transaction & Payment Data (Invoice) Facility / Loan Agreement Trade Instrument Syndication Agreement Capital Markets Mandate Supply Chain Finance Programme PRODUCT & AGREEMENT DATA — Institutional Banking Facilities, trade instruments, syndication & capital markets mandates — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Account_No Sweep Rule Mandate Account_No Currency Correspondent Position_ID Quantity Safekeeping Ref Holding_ID Market Value Instrument Position_ID Interest Optimization Tier Forecast Horizon M M co-exists with M M co-exists with 1 M co-exists with M 1 rolls into owned by Party & Customer Data governed by Product & Agreement Data generates Transaction & Payment Data feeds exposure to Risk Data Cash Mgmt Account Nostro / Vostro Account Custody Position Securities Holding Liquidity Position ACCOUNT & POSITION DATA — Institutional Banking Cash management, nostro/vostro, custody & securities — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Collateral_ID Status Collateral Type Margin_ID Haircut Margin Type Asset_ID Market Value Custodian 1 1 specialises into M M co-exists with secures Product & Agreement Data (Facility) mitigates Risk Data Collateral Margin / Derivative Collateral Custody Asset COLLATERAL & ASSET DATA — Institutional Banking Collateral, margin & custody assets — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Instruction_ID Rail (SWIFT/RTGS) Amount Deal_ID Rate Currency Pair Trade_ID Notional Instrument Settlement_ID Status Value Date M M co-exists with M M co-exists with 1 1 is settled via generated by Account & Position Data posts to Finance & Accounting Data feeds exposure to Risk Data High-Value Payment Instruction FX Deal Derivative Trade Settlement Instruction TRANSACTION & PAYMENT DATA — Institutional Banking High-value payments, FX, derivatives & settlement — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Document_ID Status Document Type Confirmation_ID Discrepancy Match Status Case_ID Resolution Guideline Ref M M co-occurs with 1 M may raise is raised by Product & Agreement / Transaction Data Deal Documentation Trade Confirmation Compliance Case DOCUMENT & CASE DATA — Institutional Banking Deal documentation, trade confirmations & compliance cases — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Rating_ID Rating Date Rating Grade Exposure_ID Amount Exposure Type Breach_ID Severity Covenant Ref Alert_ID Disposition Alert Type Measure_ID Stress Scenario VaR Value Event_ID KRI Breach Loss Amount 1 1 is scored by 1 M may trigger M M co-occurs with M M co-occurs with M M co-occurs with fed by Party / Account / Legal Entity Data aggregates into Regulatory & Compliance Data raises Document & Case Data aggregates into Regulatory & Compliance Data Obligor Rating Exposure Covenant Breach AML / Sanctions Alert Market Risk Measure Operational Risk Event RISK DATA — Institutional Banking Obligor rating, exposure, covenant & AML/sanctions — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named GL_Code Balance Ledger Type Journal_ID Credit Debit Position_ID Notional Instrument 1 M receives M 1 rolls up to posted from Transaction & Payment Data aggregates into Regulatory & Compliance Data Ledger Account Journal Entry Corporate Treasury Position FINANCE & ACCOUNTING DATA — Institutional Banking Ledger, journals & corporate treasury position — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Return_ID Due Date Regulator Filing_ID Status Filing Type Attestation_ID Sign-off Date Attestor M M co-occurs with 1 1 requires aggregated from Risk / Finance & Accounting Data is documented in Document & Case Data Regulatory Return (Basel / BCBS) SAR / STR Filing Attestation REGULATORY & COMPLIANCE DATA — Institutional Banking Basel/BCBS returns, SAR/STR filings & attestation — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Instrument_ID Asset Class ISIN Counterparty_ID Rating Name Feed_ID Frequency Provider M M co-references with M 1 is sourced from supplies golden values to Product / Account / Transaction Data supplies golden values to Legal Entity & Organization Data Instrument Reference Counterparty Reference Market Data Feed REFERENCE & MARKET DATA — Institutional Banking Instrument, counterparty & market feed truth — entities and belongs-to / has relationships Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named
Illustrative reference architecture · generic archetypes · no institution named · Chen-notation ER: rectangle = entity, diamond = relationship, ellipse = attribute, 1/M = cardinality