{"$schema":"https://json-schema.org/draft/2020-12/schema","title":"Global AML/CFT risk assessment - Analyse globale des risques LBC/FT / Algemene WG/FT-risicobeoordeling (BE)","description":"The documented global money-laundering and terrorist-financing risk assessment of an obliged entity (law of 18 September 2017, arts 16-18 and annexes 1-3): entity profile, the four axes of art. 16 al. 1 each described and assessed by the entity, the annex 1 variables, the annex 2 and annex 3 factors marked by the entity, the external sources considered, the controls mapped to the risks, the entity's own levels, the link to the individual assessments, the action plan and the approval. The template never decides whether the user is an obliged entity, never computes a risk level, never defaults a level or a factor status and prints a visible blank for what is missing.","type":"object","additionalProperties":false,"required":["entity","assessment","axes","annex1_variables","annex3_factors","overall","controls","individual_assessments","approval"],"properties":{"entity":{"type":"object","additionalProperties":false,"description":"The obliged entity.","required":["name","aml_category","activities_text","responsible_person"],"properties":{"name":{"type":"string","description":"Name of the obliged entity."},"enterprise_number":{"type":"string","description":"Belgian enterprise number (KBO/BCE), written 0123.456.789.","pattern":"^[01][0-9]{3}\\.[0-9]{3}\\.[0-9]{3}$"},"aml_category":{"type":"string","description":"The item of art. 5 § 1 of the law the user says applies to the entity. A statement of the user: the template never decides whether the entity is an obliged entity.","enum":["certified_accountants_tax_advisers_24","accountants_tax_accountants_25","unregulated_tax_advisers_25_1","notaries_26","bailiffs_27","lawyers_28","company_service_providers_29","real_estate_agents_30","diamond_dealers_31","art_dealers_31_1","other_art5_item"]},"other_item_number":{"type":"string","description":"The item number of art. 5 § 1, typed by the user, when the category is another item."},"legal_form":{"type":"string","description":"Legal form of the entity, as the user states it."},"activities_text":{"type":"string","description":"The entity's activities in a few lines."},"staff_count":{"type":"integer","description":"Number of staff, typed by the user.","minimum":0},"client_count":{"type":"integer","description":"Number of clients, typed by the user.","minimum":0},"sites_text":{"type":"string","description":"Sites and establishments."},"seat_region":{"type":"string","description":"Linguistic region of the operating seat (optional): Dutch-language region, French-language region, Brussels-Capital or German-language region. Nothing is compared with it.","enum":["nl_region","fr_region","brussels","de_region"]},"responsible_person":{"type":"object","additionalProperties":false,"description":"The person responsible, at the highest level, for the implementation of the law (art. 9 § 1).","required":["name","title"],"properties":{"name":{"type":"string","description":"Name of the person responsible at the highest level (art. 9 § 1)."},"title":{"type":"string","description":"Title or function of that person."}}},"amlco":{"type":"object","additionalProperties":false,"description":"The person designated under art. 9 § 2 (optional).","properties":{"name":{"type":"string","description":"Name of the person in charge of the policies and procedures (art. 9 § 2)."},"title":{"type":"string","description":"Title or function of that person."}}},"supervisor":{"type":"string","description":"The supervisory authority of the entity, typed by the user."}},"allOf":[{"if":{"properties":{"aml_category":{"const":"other_art5_item"}},"required":["aml_category"]},"then":{"required":["other_item_number"]}}]},"assessment":{"type":"object","additionalProperties":false,"description":"Identification of the assessment.","required":["version","date","methodology_text"],"properties":{"version":{"type":"integer","description":"Version number of this assessment.","minimum":1},"date":{"type":"string","description":"Date of this assessment.","format":"date"},"previous_date":{"type":"string","description":"Date of the previous version, when there is one.","format":"date"},"next_review_date":{"type":"string","description":"Date of the next review, as the entity plans it.","format":"date"},"methodology_text":{"type":"string","description":"Description of the methodology the entity followed."}}},"sources_considered":{"type":"array","description":"The external sources the entity consulted (art. 16 al. 3): titles typed by the user.","items":{"type":"object","additionalProperties":false,"required":["title"],"properties":{"title":{"type":"string","description":"Title of the source consulted."},"date":{"type":"string","description":"Date of the source or of the consultation.","format":"date"},"note":{"type":"string","description":"Note on what the entity retained."}}}},"axes":{"type":"object","additionalProperties":false,"description":"The four axes of art. 16 al. 1.","required":["clients","products","geography","channels"],"properties":{"clients":{"type":"object","additionalProperties":false,"description":"Axis of art. 16 al. 1: clientele.","required":["description","inherent_level","justification"],"properties":{"description":{"type":"string","description":"The entity's own description of its clientele, written first."},"inherent_level":{"type":"string","description":"The entity's own level of inherent risk on this axis: low, medium or high. A statement of the user, never computed or defaulted.","enum":["low","medium","high"]},"justification":{"type":"string","description":"Free text: why the entity reaches this level."}}},"products":{"type":"object","additionalProperties":false,"description":"Axis of art. 16 al. 1: products, services and operations.","required":["description","inherent_level","justification"],"properties":{"description":{"type":"string","description":"The entity's own description of its products, services and operations, written first."},"inherent_level":{"type":"string","description":"The entity's own level of inherent risk on this axis: low, medium or high. A statement of the user, never computed or defaulted.","enum":["low","medium","high"]},"justification":{"type":"string","description":"Free text: why the entity reaches this level."}}},"geography":{"type":"object","additionalProperties":false,"description":"Axis of art. 16 al. 1: countries and geographical areas.","required":["description","inherent_level","justification"],"properties":{"description":{"type":"string","description":"The entity's own description of its countries and geographical areas, written first."},"inherent_level":{"type":"string","description":"The entity's own level of inherent risk on this axis: low, medium or high. A statement of the user, never computed or defaulted.","enum":["low","medium","high"]},"justification":{"type":"string","description":"Free text: why the entity reaches this level."}}},"channels":{"type":"object","additionalProperties":false,"description":"Axis of art. 16 al. 1: distribution channels.","required":["description","inherent_level","justification"],"properties":{"description":{"type":"string","description":"The entity's own description of its distribution channels, written first."},"inherent_level":{"type":"string","description":"The entity's own level of inherent risk on this axis: low, medium or high. A statement of the user, never computed or defaulted.","enum":["low","medium","high"]},"justification":{"type":"string","description":"Free text: why the entity reaches this level."}}}}},"annex1_variables":{"type":"array","description":"The three variables of annex 1 (art. 16 al. 2), one row each.","minItems":3,"maxItems":3,"items":{"type":"object","additionalProperties":false,"required":["variable","assessment_text"],"properties":{"variable":{"type":"string","description":"The annex 1 variable.","enum":["a1_1","a1_2","a1_3"]},"assessment_text":{"type":"string","description":"The entity's assessment of this variable."}}}},"annex2_factors":{"type":"array","description":"The lower-risk factors of annex 2 the entity took into account (optional).","maxItems":12,"items":{"type":"object","additionalProperties":false,"required":["factor","status"],"properties":{"factor":{"type":"string","description":"The annex 2 factor.","enum":["a2_1a","a2_1b","a2_1c","a2_2a","a2_2b","a2_2c","a2_2d","a2_2e","a2_3a","a2_3b","a2_3c","a2_3d"]},"status":{"type":"string","description":"Whether the factor applies, does not apply or was not assessed: the entity's statement.","enum":["applies","does_not_apply","not_assessed"]},"note":{"type":"string","description":"Note on the factor."}}}},"annex3_factors":{"type":"array","description":"The higher-risk factors of annex 3 (art. 16 al. 2): one row for each of the seventeen factors.","minItems":17,"maxItems":17,"items":{"type":"object","additionalProperties":false,"required":["factor","status"],"properties":{"factor":{"type":"string","description":"The annex 3 factor.","enum":["a3_1a","a3_1b","a3_1c","a3_1d","a3_1e","a3_1f","a3_1g","a3_2a","a3_2b","a3_2c","a3_2d","a3_2e","a3_2f","a3_3a","a3_3b","a3_3c","a3_3d"]},"status":{"type":"string","description":"Whether the factor applies, does not apply or was not assessed: the entity's statement, no default.","enum":["applies","does_not_apply","not_assessed"]},"note":{"type":"string","description":"Note on the factor."}}}},"other_factors":{"type":"array","description":"Other risk factors the entity took into account (free).","items":{"type":"object","additionalProperties":false,"required":["description"],"properties":{"description":{"type":"string","description":"The factor."},"note":{"type":"string","description":"Note on the factor."}}}},"overall":{"type":"object","additionalProperties":false,"description":"The overall levels.","required":["inherent_level","residual_level"],"properties":{"inherent_level":{"type":"string","description":"The entity's own overall inherent risk level. Never computed.","enum":["low","medium","high"]},"residual_level":{"type":"string","description":"The entity's own residual risk level after the controls. Never computed.","enum":["low","medium","high"]}}},"controls":{"type":"array","description":"The policies and controls mapped to the identified risks (art. 17 al. 2).","minItems":1,"items":{"type":"object","additionalProperties":false,"required":["risk","measure"],"properties":{"risk":{"type":"string","description":"The identified risk."},"measure":{"type":"string","description":"The policy, procedure or control that addresses it."},"reference":{"type":"string","description":"Reference of the policy or procedure."},"owner":{"type":"string","description":"Owner of the measure."}}}},"individual_assessments":{"type":"object","additionalProperties":false,"description":"Link to the individual assessments (art. 17 al. 3).","required":["update_required"],"properties":{"update_required":{"type":"boolean","description":"Whether the individual assessments (art. 19 § 2) must be updated following this update."},"note":{"type":"string","description":"Note on the individual assessments."}}},"action_plan":{"type":"array","description":"The actions decided, with owner, date and status.","items":{"type":"object","additionalProperties":false,"required":["action"],"properties":{"action":{"type":"string","description":"The action."},"owner":{"type":"string","description":"Who is responsible."},"due_date":{"type":"string","description":"Due date of the action.","format":"date"},"status":{"type":"string","description":"Status of the action: open, in progress or done. No default.","enum":["open","in_progress","done"]}}}},"approval":{"type":"object","additionalProperties":false,"description":"Approval of the assessment.","required":["name","title","date"],"properties":{"name":{"type":"string","description":"Name of the person who approves the assessment."},"title":{"type":"string","description":"Title or function of that person."},"date":{"type":"string","description":"Date of the approval.","format":"date"}}},"history":{"type":"array","description":"The versions of the assessment.","items":{"type":"object","additionalProperties":false,"required":["version","date","change"],"properties":{"version":{"type":"integer","description":"Version number.","minimum":1},"date":{"type":"string","description":"Date of that version.","format":"date"},"change":{"type":"string","description":"What changed."}}}}}}