ENTERPRISE DATA ONTOLOGY — Consumer + Institutional Banking
Level 0: 12 canonical data domains and how they relate · each domain decomposed into entities, attributes, and explicit "has / belongs to / governs" relationships · derived from the 45-domain Enterprise Capability Map + the full BIAN 5-business-area landscape
Level 0 — All 12 Domains 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 12 · Enterprise Support
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) platform layer — systems, people, policy & archive underpin all 11 (dashed) Legal Entity & Organization Data Registered legal structures, LEI, group hier Party & Customer Data Who the bank knows — people & organisations Reference & Market Data Shared master & market truth every domain re Product & Agreement Data What is offered — catalogue, pricing, contra Account & Position Data Where value sits — accounts, balances, holdi Collateral & Asset Data What secures exposure — property, pledged as Transaction & Payment Data Movements of value — payments, trades, settl Document & Case Data Evidence & work-items — cases, correspondenc Risk Data Exposure, scoring & loss — credit, market, o Finance & Accounting Data The ledger — journals, profitability, close Regulatory & Compliance Data Obligations discharged — returns, filings, a Enterprise Support Data IT, people, facilities, policy & archive — p LEVEL 0 — ENTERPRISE DATA ONTOLOGY 12 canonical data domains spanning all 45 capability domains + enterprise support, and how they relate 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 Tax Residency Behavioral Insights Household_ID Beneficial Ownership Relationship Hierarchy Case_ID Screening Result CDD / EDD Level Source of Wealth Consent_ID Channel Purpose Expiry Case_ID Status Root Cause Channel Client_ID Segment Industry Relationship Tier Credit Rating M 1 belongs to 1 M is subject of M M co-occurs with 1 M may lead to 1 1 specialises into owns Account & Position Data holds Product & Agreement Data is classified under Legal Entity & Organization Data feeds profile to Risk Data is documented in Document & Case Data Customer Household KYC / Due Diligence Case Consent Customer Case Corporate Customer PARTY & CUSTOMER DATA Who the bank knows — entities, attributes and belongs-to / has relationships within the domain 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 Regulator Registration Date Status Group_ID Control Indicator Ownership % Relationship_ID Correspondent Bank Relationship Type Agreement Ref UPI_ID Consolidation Level Cross-Jurisdiction Flag 1 1 is confirmed by 1 M informs 1 M maintains M 1 rolls up to classifies Party & Customer Data (Corporate Customer) aggregates exposure into Risk Data supplies reference to Reference & Market Data Legal Entity Registration Record Group Hierarchy Counterparty Relationship Ultimate Parent Entity LEGAL ENTITY & ORGANIZATION DATA Registered legal structures — 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 Product Type Pricing Rule Eligibility Rule Discount Pricing Agreement_ID Terms Effective Date Status Facility_ID Covenant Facility Type Limit Instrument_ID Compliance Doc LC / Guarantee Type Trade Finance Ref Directory_ID Category Broker Agreement Supplier Agreement 1 M is instantiated as 1 1 specialises into M M co-exists with 1 1 is catalogued in holds (customer side) Party & Customer Data governs terms of Account & Position Data is secured by Collateral & Asset Data is settled via Transaction & Payment Data Product Agreement / Contract Loan Facility Trade Instrument Product Directory PRODUCT & AGREEMENT DATA What is offered — catalogue, contracts and facilities, and their 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 Account Type Status Open Date Balance_ID Available Balance Current Balance As-of Date Position_ID Quantity Instrument Market Value Position_Summary_ID Reconciliation Status Counterparty Risk Card_No Card Type Limit Expiry 1 M has 1 M co-exists with M 1 rolls into 1 1 specialises into owned by Party & Customer Data governed by Product & Agreement Data generates Transaction & Payment Data feeds exposure to Risk Data Account Balance Holding / Position Customer Position Card Account ACCOUNT & POSITION DATA Where value sits — accounts, balances and holdings, and their 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 Pledge Date Collateral Type Status Property_ID Title Deed Address Valuation_ID Valuer Valuation Date Market Value Facility_ID Margin Requirement Credit Limit Facility Status 1 1 is a 1 M is assessed by M 1 supports secures Product & Agreement Data (Loan Facility) mitigates Risk Data is drawn against Account & Position Data Collateral Property / Asset Valuation Record Credit Facility COLLATERAL & ASSET DATA What secures exposure — property, pledged assets and their valuations Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Instruction_ID Amount Currency Beneficiary Settlement_ID Rail Value Date Status Deal_ID Counterparty Instrument Trade Date Fraud_Case_ID Disposition Detection Rule Severity Screening_ID Match Status Disposition 1 1 is settled via M 1 also settles 1 M may trigger 1 1 is checked by generated by Account & Position Data posts to Finance & Accounting Data feeds exposure to Risk Data raises Document & Case Data Payment Instruction Settlement Record Trade / Deal Fraud Case Screening Result TRANSACTION & PAYMENT DATA Movements of value — payments, trades and settlements, and their 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 Document_ID Format Document Type Retention Date Interaction_ID Timestamp Channel Outcome Comm_ID Template Channel Sent Date Correspondence_ID Archive Ref Direction 1 M references M 1 is opened via 1 M triggers 1 1 is archived as is raised by Account / Transaction / Party Data is retained in Enterprise Support Data (Archive) Case Document Interaction Communication Correspondence DOCUMENT & CASE DATA Evidence and work-items — cases, correspondence and interactions across every operational domain Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named Exposure_ID Exposure Type Amount Currency Score_ID Score Date Score Value Model_ID Version Model Type Validation Date Alert_ID Disposition Alert Type Case Ref Event_ID Event Type Severity Status 1 1 is scored by M 1 is produced by 1 M generates 1 M may trigger fed by Party / Account / Transaction Data aggregates into Regulatory & Compliance Data raises Document & Case Data is governed by Enterprise Support Data (Model Risk Policy) Exposure Risk Score / Rating Model Fraud / AML Alert Loss / Alert Event RISK DATA Exposure, scoring and loss — credit, market, model and operational risk, and their 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 Currency Ledger Type Balance Journal_ID Credit Debit Posting Date Profitability_ID Revenue Customer / Product Cost Treasury_Position_ID Notional Instrument Valuation 1 M receives M 1 informs M 1 rolls up to posted from Transaction & Payment Data aggregates into Regulatory & Compliance Data is governed by Enterprise Support Data (Corporate Finance) Ledger Account Journal Entry Profitability Record Corporate Treasury Position FINANCE & ACCOUNTING DATA The ledger — journals, profitability, close and treasury, and their 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 Frequency Regulator Due Date Filing_ID Status Submission Date Channel Attestation_ID Sign-off Date Attestor DQ Score Case_ID Status Guideline Ref Resolution 1 1 is produced as 1 1 requires 1 M may raise aggregated from Risk Data / Finance & Accounting Data is documented in Document & Case Data Regulatory Return Filing / Submission Attestation Compliance Case REGULATORY & COMPLIANCE DATA Obligations discharged — returns, filings and attestations, and their 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 ISIN Asset Class Currency Counterparty_ID Rating Name Sector Metadata_ID Owner Business Term Lineage Path Feed_ID Frequency Provider Switch Rule Partner_ID Partner Type Onboard Date M M co-references with 1 M is documented by M 1 is sourced from 1 1 specialises into supplies golden values to Product / Account / Transaction Data supplies golden values to Legal Entity & Organization Data Instrument Reference Counterparty Reference Metadata / Lineage Record Market Data Feed Merchant / Dealer Reference REFERENCE & MARKET DATA Shared master and market truth — the golden-source hub every other domain relies on Entity (data domain / object) Relationship (verb phrase) Attribute / sub-domain 1 one · M many Illustrative reference architecture · generic archetypes · no institution named System_ID Environment System Type Deployment Status Employee_ID Role Department Certification Facility_ID Type Location Maintenance Status Policy_ID Owner Policy Type Version Asset_ID Owner Type (IP / Manual / Archive) Retention Policy Access_ID System Ref Entitlement Grant Date M M is operated by M 1 occupies M 1 is governed by 1 M is documented in 1 M is granted hosts / operates every other domain (platform layer) governs Regulatory & Compliance Data archives records from Document & Case Data IT Asset / System Employee Facility / Property Record Corporate Policy / Strategy Record Knowledge Asset / Archive Record Employee Access Grant ENTERPRISE SUPPORT DATA IT, people, facilities, policy and archive — the enterprise platform layer underpinning every other domain (formerly out of scope) 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