{
  "case_reference": "AML-2026-0042",
  "external_reference": "ONBOARD-2026-0042",
  "processing_status": "complete",
  "overall_verdict": "Refer",
  "risk_tier": "Medium",
  "completed_at": "2026-01-15T14:32:00Z",
  "next_review_date": "2027-01-15",

  "company": {
    "legal_name": "Acme Holdings Limited",
    "registration_number": "12345678",
    "jurisdiction": "GB",
    "company_status": "Active",
    "company_type": "Private Limited Company",
    "incorporation_date": "2015-03-15",
    "registered_address": "123 High Street, London, EC1A 1BB",
    "sic_codes": "64110,64191",
    "verification_status": "Verified",
    "verified_at": "2026-01-15T14:30:15Z"
  },

  "screening": {
    "pep_status": "No Hit",
    "sanctions_status": "No Hit",
    "adverse_media_status": "Hit",
    "adverse_media_count": 2,
    "screening_provider": "WorldCheck",
    "screening_completed_at": "2026-01-15T14:30:20Z"
  },

  "beneficial_owners": [
    {
      "name": "John Doe",
      "date_of_birth": "1975-11-10",
      "nationality": "GB",
      "ownership_percentage": 75,
      "pep_status": "No Hit",
      "sanctions_status": "No Hit",
      "identity_verified": false
    }
  ],

  "directors": [
    {
      "name": "Jane Smith",
      "date_of_birth": "1980-05-20",
      "role": "Director",
      "pep_status": "No Hit",
      "sanctions_status": "No Hit",
      "screening_completed_at": "2026-01-15T14:30:25Z"
    }
  ],

  "risk_assessment": {
    "overall_score": 45,
    "tier": "Medium",
    "factors": [
      {
        "factor": "Adverse Media",
        "severity": "Medium",
        "detail": "2 adverse media articles found for company"
      }
    ]
  },

  "checks_summary": {
    "total": 5,
    "passed": 4,
    "referred": 1,
    "failed": 0,
    "checks": [
      {
        "type": "Company Registration",
        "status": "Pass",
        "provider": "Registry"
      },
      {
        "type": "Company Screening",
        "status": "Refer",
        "provider": "WorldCheck",
        "matches": 2
      },
      {
        "type": "Director Screening (Jane Smith)",
        "status": "Pass",
        "provider": "WorldCheck"
      },
      {
        "type": "UBO Screening (John Doe)",
        "status": "Pass",
        "provider": "WorldCheck"
      },
      {
        "type": "Directors Verification",
        "status": "Pass",
        "provider": "Registry"
      }
    ]
  },

  "compliance_metadata": {
    "cdd_completed": true,
    "cdd_completed_at": "2026-01-15T14:32:00Z",
    "edd_required": false,
    "reviewed_by": "system",
    "case_url": "https://app.zenoo.com/cases/AML-2026-0042"
  }
}

{
  "case_reference": "AML-2026-0099",
  "external_reference": "APP-2026-0123",
  "processing_status": "complete",
  "overall_verdict": "Pass",
  "risk_tier": "Low",
  "completed_at": "2026-01-15T14:35:30Z",
  "next_review_date": "2027-01-15",

  "identity": {
    "verified": true,
    "decision": "Pass",
    "score": 95,
    "authentication_id": "auth-xyz789"
  },

  "document": {
    "verified": true,
    "document_type": "Passport",
    "document_country": "GB",
    "validation_result": "PASSED",
    "tamper_result": "Pass",
    "extracted_data": {
      "full_name": "JANE ELIZABETH SMITH",
      "date_of_birth": "1990-06-15",
      "expiration_date": "2030-12-01",
      "gender": "F"
    }
  },

  "biometric": {
    "liveness_verified": true,
    "liveness_assessment": "Live",
    "liveness_score": 98.5,
    "face_match": true,
    "face_match_score": 96.2
  },

  "screening": {
    "pep_status": "No Hit",
    "sanctions_status": "No Hit",
    "adverse_media_status": "No Hit",
    "screening_provider": "WorldCheck",
    "screening_completed_at": "2026-01-15T14:35:10Z"
  },

  "phone_verification": {
    "verified": true,
    "carrier": "Vodafone UK",
    "phone_type": "mobile"
  },

  "email_verification": {
    "verified": true,
    "risk_score": 12,
    "deliverable": true
  },

  "address_verification": {
    "verified": true,
    "match_level": "full"
  },

  "risk_assessment": {
    "overall_score": 15,
    "tier": "Low",
    "factors": []
  },

  "checks_summary": {
    "total": 7,
    "passed": 7,
    "referred": 0,
    "failed": 0,
    "checks": [
      { "type": "Identity Document", "status": "Pass", "provider": "Zenoo" },
      { "type": "Biometric Liveness", "status": "Pass", "provider": "Zenoo" },
      {
        "type": "PEP/Sanctions Screening",
        "status": "Pass",
        "provider": "WorldCheck"
      },
      { "type": "Phone Verification", "status": "Pass", "provider": "Zenoo" },
      { "type": "Email Verification", "status": "Pass", "provider": "Zenoo" },
      { "type": "Address Verification", "status": "Pass", "provider": "Zenoo" },
      { "type": "Database Verification", "status": "Pass", "provider": "Zenoo" }
    ]
  },

  "compliance_metadata": {
    "cdd_completed": true,
    "cdd_completed_at": "2026-01-15T14:35:30Z",
    "edd_required": false,
    "reviewed_by": "system",
    "case_url": "https://app.zenoo.com/cases/AML-2026-0099"
  }
}