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| 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 | 117x | export const UNDERWRITING_TASKS = {
goods_or_services: {
merchant: {
title: "Goods and Services",
description:
"The Merchant Goods and Services task is conducted to verify that the products and services offered by a merchant comply with regulatory requirements, card network rules, and the acquiring bank’s policies. By ensuring that the merchant’s business activities align with their declared industry and category (MCC - Merchant Category Code). Identifying prohibited, restricted, or high-risk goods and services that may require additional scrutiny or approval. And checking potential compliance risks related to fraud, money laundering, or reputational damage.",
userMessage:
"Please provide optional merchant information: Merchant Goods or Services.",
},
enterprise: {
title: "Goods and Services",
description:
"The Merchant Goods and Services task is conducted to verify that the products and services offered by a provider comply with regulatory requirements, card network rules, and the acquiring bank’s policies. By ensuring that the provider’s business activities align with their declared industry and category (MCC - Merchant Category Code). Identifying prohibited, restricted, or high-risk goods and services that may require additional scrutiny or approval. And checking potential compliance risks related to fraud, money laundering, or reputational damage.",
userMessage:
"Please provide optional provider information: Merchant Goods or Services.",
},
displayTitle: "Goods or Services",
},
bank_account: {
merchant: {
title: "Bank Account",
description:
"Ensure that the documents uploaded by the merchant correspond with the information they have provided. This process involves matching the account name with the name on the bank statement. If necessary, this may also entail contacting the bank to confirm account ownership. For account verification, record a documented reason in the merchant's profile and set the bank account status to 'approved'. Further verification is needed when the name on the account does not align with the legal name in the merchant or business profile.",
userMessage:
"Please upload bank account statements that clearly display the following details: the account holder's name, account number, routing number, business address, and any other relevant information. This will serve as evidence that the linked bank account is associated with your business.",
},
enterprise: {
title: "Bank Account",
description:
"Ensure that the documents uploaded by the provider correspond with the information they have provided. This process involves matching the account name with the name on the bank statement. If necessary, this may also entail contacting the bank to confirm account ownership. For account verification, record a documented reason in the provider's profile and set the bank account status to 'approved'. Further verification is needed when the name on the account does not align with the legal name in the provider or business profile.",
userMessage:
"Please upload bank account statements that clearly display the following details: the account holder's name, account number, routing number, business address, and any other relevant information. This will serve as evidence that the linked bank account is associated with your business.",
},
displayTitle: "Bank Account",
},
business_owner_pep_check: {
merchant: {
title: "Business Owner PEP Check",
description:
"Verify if the primary account holder is classified as a Politically Exposed Person (PEP). A PEP is an individual who holds or has held a prominent public position, which could expose them to higher risks of bribery, corruption, or other financial crimes.",
userMessage: "",
},
enterprise: {
title: "Business Owner PEP Check",
description:
"Verify if the primary account holder is classified as a Politically Exposed Person (PEP). A PEP is an individual who holds or has held a prominent public position, which could expose them to higher risks of bribery, corruption, or other financial crimes.",
userMessage: "",
},
displayTitle: "Business Owner PEP Check",
},
ofac_business_owner_check: {
merchant: {
title: "OFAC Business Owner Check",
description:
"Manually run the OFAC Business Owner/Primary Account Holder check if the system hasn't automatically ran it to verify that the business owner's name is not listed on the OFAC (Office of Foreign Assets Control) sanctions list. If the system fails to automatically run the OFAC check, a manual verification must be conducted to ensure compliance with regulatory requirements.",
userMessage: "",
},
enterprise: {
title: "OFAC Business Owner Check",
description:
"Manually run the OFAC Business Owner/Primary Account Holder check if the system hasn't automatically ran it to verify that the business owner's name is not listed on the OFAC (Office of Foreign Assets Control) sanctions list. If the system fails to automatically run the OFAC check, a manual verification must be conducted to ensure compliance with regulatory requirements.",
userMessage: "",
},
displayTitle: "OFAC Business Owner Check",
},
business_owner: {
merchant: {
title: "Business Owner",
description:
"Confirm that the documents uploaded by the merchant align with the information they have provided. Cross-reference these details with IRS databases and public or government business resources or websites to accurately verify the business ownership of the company.",
userMessage:
"Please provide documented proof of business owners. Acceptable documents include, but are not limited to, the following: Articles of Incorporation, Operating Agreement, Partnership Agreement, Stock Certificates, Meeting Minutes, Schedule K-1 (Form 1065), Tax Returns (Sole Proprietorship), DBA Filing, Shareholder Agreement, Secretary of State Records.",
},
enterprise: {
title: "Business Owner",
description:
"Confirm that the documents uploaded by the provider align with the information they have provided. Cross-reference these details with IRS databases and public or government business resources or websites to accurately verify the business ownership of the company.",
userMessage:
"Please provide documented proof of business owners. Acceptable documents include, but are not limited to, the following: Articles of Incorporation, Operating Agreement, Partnership Agreement, Stock Certificates, Meeting Minutes, Schedule K-1 (Form 1065), Tax Returns (Sole Proprietorship), DBA Filing, Shareholder Agreement, Secretary of State Records.",
},
displayTitle: "Business Owner",
},
ofac_business_profile_check: {
merchant: {
title: "OFAC Business Profile Check",
description:
"Manually run the OFAC check if the system hasn't automatically run it, in order to anticipate the next automatic check date.",
userMessage: "",
},
enterprise: {
title: "OFAC Business Profile Check",
description:
"Manually run the OFAC check if the system hasn't automatically run it, in order to anticipate the next automatic check date.",
userMessage: "",
},
displayTitle: "OFAC Business Profile Check",
},
business_profile: {
merchant: {
title: "Business Profile",
description:
"Confirm that the documents uploaded by the merchant align with the information they have provided. Cross-reference these details with IRS databases and public or government business resources or websites to accurately verify the business ownership of the company. If sole-proprietorship make sure Tax ID & SSN of Business Owner match. Look up and verify SSN.",
userMessage:
"Please provide documented proof of your business establishment. Acceptable documents include, but are not limited to, the following: Articles of Incorporation, IRS Employer Identification Number Notice (CP-575), Corporate Bylaws or Operating Agreement, Partnership Agreement, DBA (Doing Business As) Certificate, Business Plan, Secretary of State Records, and any relevant Licenses and Permits.",
},
enterprise: {
title: "Business Profile",
description:
"Confirm that the documents uploaded by the provider align with the information they have provided. Cross-reference these details with IRS databases and public or government business resources or websites to accurately verify the business ownership of the company. If sole-proprietorship make sure Tax ID & SSN of Business Owner match. Look up and verify SSN.",
userMessage:
"Please provide documented proof of your business establishment. Acceptable documents include, but are not limited to, the following: Articles of Incorporation, IRS Employer Identification Number Notice (CP-575), Corporate Bylaws or Operating Agreement, Partnership Agreement, DBA (Doing Business As) Certificate, Business Plan, Secretary of State Records, and any relevant Licenses and Permits.",
},
displayTitle: "Business Profile",
},
agreement: {
merchant: {
title: "Agreement",
description:
"This task allows the underwriter to check if the merchant has signed the agreement or if they need to re-sign it due to an updated agreement version.",
userMessage: "Please read and sign the agreement.",
},
enterprise: {
title: "Agreement",
description:
"This task allows the underwriter to check if the provider has signed the agreement or if they need to re-sign it due to an updated agreement version.",
userMessage: "Please read and sign the agreement.",
},
displayTitle: "Agreement",
},
match_screening_check: {
merchant: {
title: "MATCH Screening Check",
description:
"Perform a MATCH screening of the merchant and business profile.",
userMessage: "",
},
enterprise: {
title: "MATCH Screening Check",
description:
"Perform a MATCH screening of the provider and business profile.",
userMessage: "",
},
displayTitle: "MATCH Screening Check",
},
billing_descriptor: {
merchant: {
title: "Billing Descriptor",
description: "Merchant needs to set a Billing Descriptor.",
userMessage: "Please update your Billing Descriptor information.",
},
enterprise: {
title: "Billing Descriptor",
description: "Provider needs to set a Billing Descriptor.",
userMessage: "Please update your Billing Descriptor information.",
},
displayTitle: "Billing Descriptor",
},
located_in_usa: {
merchant: {
title: "Located in USA",
description:
"Verify if the documents uploaded match the information provided by the merchant and match against IRS databases, Public or government business resources to verify the company.",
userMessage:
"Please upload documented proof that your company is domiciled in the United States.",
},
enterprise: {
title: "Located in USA",
description:
"Verify if the documents uploaded match the information provided by the provider and match against IRS databases, Public or government business resources to verify the company.",
userMessage:
"Please upload documented proof that your company is domiciled in the United States.",
},
displayTitle: "Located in USA",
},
website: {
merchant: {
title: "Website",
description:
"Verify the Website URL matches the information provided by the merchant.",
userMessage: "",
},
enterprise: {
title: "Website",
description:
"Verify the Website URL matches the information provided by the provider.",
userMessage: "",
},
displayTitle: "Website",
},
negative_news_screening: {
merchant: {
title: "Negative News Screening",
description:
"Review various sources such as news articles, social media posts, blogs, court records, judgments, Better Business Bureau reports, and other sources that may indicate any adverse information that may suggest potential risks such as involvement in criminal activities, fraud, or unethical behavior. Document any findings and assess their impact on the merchant’s risk profile.",
userMessage: "",
},
enterprise: {
title: "Negative News Screening",
description:
"Review various sources such as news articles, social media posts, blogs, court records, judgments, Better Business Bureau reports, and other sources that may indicate any adverse information that may suggest potential risks such as involvement in criminal activities, fraud, or unethical behavior. Document any findings and assess their impact on the provider’s risk profile.",
userMessage: "",
},
displayTitle: "Negative News Screening",
},
merchant_category_code_mcc: {
merchant: {
title: "Merchant Category Code (MCC)",
description:
"Verify that the Merchant Category Code (MCC) provided by the merchant accurately reflects the business's nature and operations. The MCC is used to categorize businesses based on the types of goods or services they provide, and it plays a critical role in risk assessment and compliance.",
userMessage:
"Please upload a detailed, documented explanation why there are discrepancies between the merchant category you selected and the content, services, or products offered on your website. If you mistakenly chose the wrong category, please update it to better align with your business.",
},
enterprise: {
title: "Merchant Category Code (MCC)",
description:
"Verify that the Merchant Category Code (MCC) provided by the provider accurately reflects the business's nature and operations. The MCC is used to categorize businesses based on the types of goods or services they provide, and it plays a critical role in risk assessment and compliance.",
userMessage:
"Please upload a detailed, documented explanation why there are discrepancies between the merchant category you selected and the content, services, or products offered on your website. If you mistakenly chose the wrong category, please update it to better align with your business.",
},
displayTitle: "Merchant Category Code (MCC)",
},
ofac_primary_account_holder_check: {
merchant: {
title: "OFAC Primary Account Holder Check",
description:
"Manually run the OFAC Primary Account Holder check if the system hasn't automatically ran it to verify that the business owner's name is not listed on the OFAC (Office of Foreign Assets Control) sanctions list. If the system fails, or if the underwriter wants to anticipate the next automated check date, a manual verification must be conducted to ensure compliance with regulatory requirements.",
userMessage: "",
},
enterprise: {
title: "OFAC Primary Account Holder Check",
description:
"Manually run the OFAC Primary Account Holder check if the system hasn't automatically ran it to verify that the business owner's name is not listed on the OFAC (Office of Foreign Assets Control) sanctions list. If the system fails, or if the underwriter wants to anticipate the next automated check date, a manual verification must be conducted to ensure compliance with regulatory requirements.",
userMessage: "",
},
displayTitle: "OFAC Primary Account Holder Check",
},
primary_account_holder_identity: {
merchant: {
title: "Primary Account Holder Identity",
description:
"Primary account holder must submit a selfie while holding their government-issued ID. This ensures that the person submitting the application is the actual owner of the ID, preventing identity fraud and enhancing compliance. The goal is to verify the legitimacy of both the applicant’s identity and the provided ID.",
userMessage:
"Primary account holder needs to upload a government issued, non-expired ID and a selfie.",
},
enterprise: {
title: "Primary Account Holder Identity",
description:
"Primary account holder must submit a selfie while holding their government-issued ID. This ensures that the person submitting the application is the actual owner of the ID, preventing identity fraud and enhancing compliance. The goal is to verify the legitimacy of both the applicant’s identity and the provided ID.",
userMessage:
"Primary account holder needs to upload a government issued, non-expired ID and a selfie.",
},
displayTitle: "Primary Account Holder Identity",
},
classification: {
merchant: {
title: "Classification",
description:
"Please Check the Merchant Classification to align with current business activities.",
userMessage: "",
},
enterprise: {
title: "Classification",
description:
"Please Check the Provider Classification to align with current business activities.",
userMessage: "",
},
displayTitle: "Classification",
},
};
|