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Deepen beneficial ownership and registry identifier research; resolve canon questions

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Add source notes on FinCEN CDD/BOI beneficial ownership and ISO 6523/ALEI
registry identifier subtypes. Resolve OpenQuestions: Beneficial Ownership
Relationship as dedicated type; Registry Identifier and Proxy Commercial
Identifier as Reference layer specializations. Update glossary, conceptual
model, terminology, downstream recommendations, and corpus index.
This commit is contained in:
Bernd Worsch
2026-06-21 21:45:02 +02:00
parent d4a85ec04c
commit 0741a2e3a5
12 changed files with 508 additions and 37 deletions
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13
research/commercial-identity/kyc-aml-commercial-identity-binding.md
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@@ -59,8 +59,9 @@ high-stakes counterparty records**.
- KYC onboarding creates **Commercial Record** + **Commercial Commitment** (regulated
relationship) bound to **Natural Person** and/or **Organization/Legal Entity**.
- **Beneficial owner** maps to **Natural Person** linked via **Ownership** or
**Representation** to Organization customer.
- **Beneficial owner** maps to **Natural Person** linked via **Beneficial
Ownership Relationship** to Organization/Legal Entity customer (see
`beneficial-ownership-kyc-boi.md`).
- CIP evidence maps to **Evidence Source** with **Assurance Level**.
- Ongoing monitoring produces **Evidence Source** events affecting **Lifecycle State**
and **Trust Relationship**.
@@ -80,7 +81,7 @@ high-stakes counterparty records**.
| --- | --- |
| Verified customer | Commercial Record + Actor binding |
| CIP evidence | Evidence Source |
| Beneficial owner | Natural Person + Ownership Relationship |
| Beneficial owner | Natural Person + Beneficial Ownership Relationship |
| Risk profile | Assurance Level + metadata on Commercial Relationship |
| EDD review | Evidence Source (enhanced) |
| Sanctions hit | Lifecycle State / Trust Relationship revocation |
@@ -89,9 +90,13 @@ high-stakes counterparty records**.
## Open Questions
- Should Beneficial Owner be a canonical relationship role or Ownership subtype?
- Standard `control_basis` enum across US CDD and EU AMLD wording.
- How to model BOI registry volatility in lifecycle without canon becoming legal advice?
## Resolved (see beneficial-ownership-kyc-boi.md)
- Beneficial Owner → **Beneficial Ownership Relationship** (dedicated type, not Ownership subtype).
## References
- Thomson Reuters, Customer Identification Program overview — https://legal.thomsonreuters.com/blog/overview-customer-identification-program-cip/