{"generated_at":"2026-11-01T09:13:46.881229Z","case":{"case_id":"CASE-BBDC997E62DF","case_version":3,"environment":"demo","locale":"en","jurisdiction":"TW","market_config_id":"TW-DEMO-1.0","customer_id":"CASE-8F627936423C","case_status":"risk_complete","created_at":"2026-10-24T04:18:23.871012Z","updated_at":"2026-10-24T04:20:11.637135Z","discovery":{"customer_profile":{"customer_id":"CASE-8F627936423C","investor_classification":null,"existing_holdings_summary":null},"financial_discovery":{"investable_amount":{"amount":"100000000","currency":"TWD","availability":"provided"},"horizon_months":84,"horizon_availability":"provided","annual_withdrawal":{"amount":"0","currency":"TWD","availability":"provided"},"liquidity_reserve":{"amount":"1000000","currency":"TWD","availability":"provided"}},"objectives_preferences":{"ranked_objectives":["Wealth Creation","Capital Preservation"],"preferred_currencies":["TWD","USD","SGD"],"geographic_preference":"Global","sector_preference":null,"esg_preference":null,"prohibited_products_or_markets":null},"risk_inputs":{"tolerance_score":4,"capacity_score":4,"knowledge_score":4,"liquidity_score":4,"maximum_drawdown_tolerance_pct":"15","reaction_to_previous_losses":null}}},"interview_transcript":{"transcript_version":1,"case_id":"CASE-BBDC997E62DF","source_case_version":1,"locale":"en","input_mode":"pasted_text","source_filename":null,"source_media_type":null,"protected_transcript_sha256":"c9a0fd1e8c5b498e0b9ae6b739e813e1e5a00fd8f87de7d82ac5758fbab915d4","protected_transcript_character_count":13161,"redacted_projection_text":"## 1. Opening and purpose\r\n\r\n**RM:** Thanks for making the time. Before we get into the account structure, I want to walk you\r\nthrough why we ask the questions we're about to ask. Under the Money Laundering Control Act and\r\nthe FSC's onboarding requirements, we need to understand not just what you hold, but where it\r\ncame from — and for anything held through a company or a trust, who ultimately controls it. Some\r\nof this will feel repetitive if you've done this at other banks, but bear with me.\r\n\r\n**Client:** Sure, I've been through this before. Happy to help.\r\n\r\n**RM:** Good. Let's start with identity, then move into your holdings, then your sources of\r\nwealth. I'll flag anything I'll need to independently confirm as we go — that's normal, it's not\r\na sign of distrust, it's just how the file gets built.\r\n\r\n**Client:** Understood.\r\n\r\n**RM:** Full legal name as it appears on your national ID?\r\n\r\n**Client:** It's Lin Wei-Chen on my ID — surname first, that's the standard order. Most of my\r\nbanking relationships list me as \"Wei-Chen L.\" though, that's how it ended up in our CRM years\r\nago and it stuck.\r\n\r\n**RM:** That's useful to flag now rather than later — I've seen name-order mismatches cause real\r\nheadaches when we're trying to match you across different registries and filings. I'll note both\r\nforms on file.\r\n\r\n**Client:** National ID is [NATIONAL-ID-REDACTED], date of birth [DATE-OF-BIRTH-REDACTED].\r\n\r\n**RM:** Thank you. We'll verify that against your employer's records as part of the file, purely\r\nas a cross-check — not because I doubt you, it's just part of how we resolve identity across\r\ndocuments that might spell things differently.\r\n\r\n---\r\n\r\n## 2. Existing holdings — the direct stake\r\n\r\n**RM:** Let's talk about what you hold. Starting with ABC Trading Co Ltd — what's your\r\nrelationship to that company?\r\n\r\n**Client:** I'm a shareholder. I've held a stake since the company was set up — it's a trading\r\nbusiness, mostly electronics components, based here in Taipei.\r\n\r\n**RM:** Do you know your percentage offhand?\r\n\r\n**Client:** Twelve percent, directly in my own name. That one's straightforward, it's on the\r\nshareholder register.\r\n\r\n**RM:** Good — that's something we can confirm against the MOEA company registry filing directly,\r\nso that part of the file builds quickly. Is that the extent of your interest in ABC Trading, or\r\nis there anything else connecting you to it?\r\n\r\n**Client:** *(pause)* That's the part that gets more complicated.\r\n\r\n**RM:** Take your time. This is exactly the kind of thing I'd rather hear from you now than\r\ndiscover later.\r\n\r\n---\r\n\r\n## 3. Relationships and ownership structure — the harder part\r\n\r\n**Client:** There's a family trust. My father set it up years ago, before he passed — a lawyer in\r\nHong Kong handled it at the time, and honestly I've never dealt with that side of things\r\ndirectly. I know it holds an interest in something connected to ABC Trading, but I couldn't tell\r\nyou the exact structure without asking our family's advisor.\r\n\r\n**RM:** Do you know the trust's name?\r\n\r\n**Client:** I believe it's called the W.C. Lin Family Trust. \"W.C.\" for Wei-Chen — my father used\r\nmy name on it, which I've always found a bit strange since I wasn't really involved in setting it\r\nup.\r\n\r\n**RM:** And are you a beneficiary of that trust?\r\n\r\n**Client:** I believe so, yes. I've never seen the trust deed itself.\r\n\r\n**RM:** That's an important thing to be upfront about — I'll need to flag that as unconfirmed\r\nuntil we can source the deed or an equivalent primary record. A trust with your name on it that\r\nyou can't confirm your own beneficiary status under is exactly the kind of gap our AML review\r\nwill ask about, so better we get ahead of it now.\r\n\r\n**Client:** That's fair. I did hear at one point that the trust holds shares in a BVI company,\r\nand that company has some stake in ABC Trading — but again, I'm going on memory of conversations\r\nwith the family advisor, not documents I've seen myself.\r\n\r\n**RM:** Do you recall a name for the BVI entity?\r\n\r\n**Client:** Something like \"ABC Trading Holdings\" — BVI-registered. I want to say it's called\r\nABC Trading (BVI) Holdings Ltd, but don't hold me to the exact wording.\r\n\r\n**RM:** That's still useful — enough for us to search the BVI corporate registry directly rather\r\nthan relying on your recollection alone. Just so you understand why I'm pressing on this: Taiwan's\r\nCompany Act requires shareholder disclosure at a 10% threshold, but the AML Act's beneficial\r\nownership identification requirement kicks in at 25%. There's no central registry that aggregates\r\na person's total look-through interest across a chain like this — so if your direct stake plus\r\nwhatever comes through the trust and the BVI holding company adds up to something at or past 25%,\r\nwe need to be able to show our work, not just take your word for the total.\r\n\r\n**Client:** I understand. I genuinely don't know if it adds up past that line — nobody's ever\r\nwalked me through the math.\r\n\r\n**RM:** That's alright, that's what this process is for. I'll open a discovery trail on our side —\r\ncompany registry filing, offshore registry search, BVI registry cross-reference — and we'll come\r\nback to you only if something in the documents needs your input to resolve, like a discrepancy or\r\na name that doesn't clearly match.\r\n\r\n---\r\n\r\n## 4. Source of wealth — the 2019 share sale\r\n\r\n**RM:** Let's move to source of wealth. Your stated total investable assets are around\r\nNT$45,000,000. Walk me through where that came from.\r\n\r\n**Client:** The largest piece is from 2019 — I sold a block of my shares in ABC Trading. That was\r\nroughly NT$28,000,000.\r\n\r\n**RM:** Was that transaction filed anywhere we could independently locate — a TWSE-style\r\nownership-change filing, a share transfer registration, anything like that?\r\n\r\n**Client:** Yes, it would have gone through a formal share transfer filing at the time — my\r\naccountant handled the paperwork. That should be a matter of record.\r\n\r\n**RM:** Good, that's the kind of claim we can corroborate cleanly — a dated filing that matches\r\nshare count and timing does most of the work for us. What about the remainder?\r\n\r\n**Client:** Salary. I drew a fairly standard executive salary from ABC Trading from about 20[DATE-OF-BIRTH-REDACTED], and I saved a meaningful portion of it rather than spending it. That accounts for\r\naround NT$6,500,000.\r\n\r\n**RM:** That we can check against employer-submitted income records for the period — again,\r\nindependent of anything you provide us directly.\r\n\r\n**Client:** Makes sense.\r\n\r\n---\r\n\r\n## 5. Source of wealth — the rental income claim\r\n\r\n**RM:** And the balance — roughly NT$4,000,000, if my arithmetic on the totals is right?\r\n\r\n**Client:** That's rental income. I own a property in Taipei — well, I say \"own,\" it's been in\r\nthe family a while — and it's been tenanted for years. The rent's been a steady supplement.\r\n\r\n**RM:** Is the property titled in your name?\r\n\r\n**Client:** *(pause)* I'd have to double check the exact title details. My cousin has handled the\r\ntenancy side of things day to day — collecting rent, dealing with the tenant — for a long time\r\nnow. I get the income but I haven't personally touched the paperwork on that one in years.\r\n\r\n**RM:** Do you have a lease agreement or rental statements you could provide?\r\n\r\n**Client:** I can get you something from my cousin, but I'll be honest, I'm not sure how current\r\nor complete it is.\r\n\r\n**RM:** I appreciate you saying that plainly rather than papering over it. To be direct with you:\r\nof everything we've discussed today, this is the item I have the least independent way to verify.\r\nA share sale has a filing behind it. Salary has employer records behind it. Rental income on a\r\nproperty you haven't personally handled the paperwork for, where the documentation may come only\r\nfrom a family member — that's the profile of a claim that's harder for us to corroborate, and\r\nit'll carry a correspondingly lower confidence in the file until something independent — a\r\nproperty registry record showing you as the registered owner, ideally — closes that gap. I'd\r\nrather flag that risk to you now than have it surface later as a surprise.\r\n\r\n**Client:** I understand. I'll try to get you clearer paperwork, but I can't promise anything\r\nbeyond what my cousin has.\r\n\r\n**RM:** That's a reasonable place to leave it for today. We'll run the property registry search\r\nindependently — if the title history tells a different story than what we've discussed, I'll come\r\nback to you directly rather than let it sit as an unresolved flag.\r\n\r\n---\r\n\r\n## 6. Close and next steps\r\n\r\n**RM:** Let me summarize what I've got, and you tell me if I've mischaracterized anything.\r\n\r\nYou hold a confirmed 12% direct stake in ABC Trading Co Ltd. There is a possible additional\r\ninterest through the W.C. Lin Family Trust and a BVI holding company, both unconfirmed pending\r\ndocumentary review — which may or may not bring your aggregate look-through interest past the 25%\r\nbeneficial-ownership threshold. On source of wealth: a 2019 share sale (~NT$28,000,000, likely\r\nwell-evidenced by a formal filing), salary income 2015–2019 (~NT$6,500,000, checkable against\r\nemployer records), and rental income from a Taipei property (~NT$4,000,000, currently the weakest\r\nlink evidentially).\r\n\r\n**Client:** That's accurate.\r\n\r\n**RM:** Then here's what happens next, and it splits into two tracks. Some of this we can pull\r\nourselves, independently, without troubling you further. Some of it we can only get from you, as\r\ndocumentary evidence — a registry search tells us what's on file, it doesn't hand us a certified\r\ncopy of your ID or a company's audited accounts. Let me separate the two.\r\n\r\nOn our side, we'll independently pull:\r\n\r\n- the MOEA company registry filing for ABC Trading Co Ltd, to confirm the 12% direct stake and\r\n  cross-check the name-order variant you flagged;\r\n- an offshore registry search for the W.C. Lin Family Trust and its beneficiary status;\r\n- a BVI corporate registry cross-reference for ABC Trading (BVI) Holdings Ltd and its stake in\r\n  ABC Trading Co Ltd;\r\n- the TWSE-style ownership-change filing for the 2019 share sale;\r\n- employer-submitted income records for 2015–2019;\r\n- a property registry search on the Taipei property behind the rental income claim.\r\n\r\nFrom you, I'll need actual documents, not just today's conversation — a registry hit tells us a\r\nfiling exists, it doesn't stand in for the underlying paperwork an examiner would expect to see\r\nin the file:\r\n\r\n- a certified copy of your national ID, so identity verification isn't resting on what you told\r\n  me across the table today;\r\n- ABC Trading Co Ltd's annual financial statements for the last three years — audited, if they\r\n  exist — so we can see the company's financial position independent of the share sale narrative;\r\n- the trust deed for the W.C. Lin Family Trust, or whatever the family's Hong Kong lawyer can\r\n  provide in its place — even a redacted or partial copy is more than we have now, and it's the\r\n  single document that would let us stop treating your beneficiary status as an open question;\r\n- any constitutional or incorporation documents you can obtain for ABC Trading (BVI) Holdings\r\n  Ltd, since a BVI registry search confirms a stake exists but won't give us the underlying\r\n  instrument;\r\n- the 2019 share sale agreement itself, alongside whatever filing we locate — the filing confirms\r\n  a transfer happened, the agreement is what shows us the consideration matches NT$28,000,000;\r\n- title deed and lease agreement for the Taipei property, from your cousin if that's where they\r\n  sit — given what you've told me about the title history, I'd treat this as the most urgent of\r\n  the documents on this list.\r\n\r\nNone of this is a vote of no confidence in what you've told me — it's what turns a client\r\nnarrative into a file that holds up if a regulator asks us to defend it. Some of it, like the\r\ntrust deed, may take time to obtain; that's fine, we'll track it as outstanding rather than block\r\non it, but it will sit as an open item until it's in hand.\r\n\r\n**Client:** That's a longer list than I expected, but I understand why. I can get you my ID\r\nstraightaway. The company financials and the BVI documents I'll need to go through our\r\naccountant. The trust deed may take longer — I'll have to go through the Hong Kong lawyer, and I\r\nhonestly don't know how responsive that office still is. I'll chase the property paperwork with\r\nmy cousin this week.\r\n\r\n**RM:** That's a reasonable pace, and thank you for being direct about where the friction is.\r\nI'll log the trust deed and the property documents as the two to follow up on if we don't hear\r\nback — those are also the two most load-bearing for the file, so it's worth pushing on them even\r\nif they're slow to arrive. I'll flag anything our independent searches turn up that changes the\r\npicture rather than waiting for every document to be in hand first.\r\n\r\n**Client:** Understood. Thank you for being straightforward about the rental piece — I'd rather\r\nknow now if that's going to be a problem.\r\n\r\n**RM:** That's exactly the right instinct. We'll be in touch on both tracks."},"transcript_proposal":{"proposal_version":1,"case_id":"CASE-BBDC997E62DF","source_case_version":1,"source_transcript_version":1,"proposals":{"facts":[{"code":"INTERVIEW_SUMMARY","field_path":"reviewed_context.interview_summary","proposed_value":"Client Lin Wei-Chen stated a 12% direct ownership in ABC Trading Co Ltd and reported additional possible interests through the W.C. Lin Family Trust and ABC Trading (BVI) Holdings Ltd, both unconfirmed pending documentation. Reported Source of Wealth claims include a 2019 share sale (~NT$28,000,000), salary income (~NT$6,500,000) and rental income (~NT$4,000,000).","rationale":"Summary consolidates client‑provided ownership percentages, trust and offshore entity mentions, and the three Source of Wealth categories the client explicitly quantified.","confidence":0.9}],"parties":[{"party_id":"client_primary","display_name":"Lin Wei-Chen","aliases":["Wei-Chen L."],"role":"client","source_excerpt":"Client: It's Lin Wei-Chen on my ID — surname first ... Most of my banking relationships list me as \"Wei-Chen L.\"","rationale":"Client stated full legal name and an alternative name used in banking systems.","confidence":0.9},{"party_id":"entity_reported_1","display_name":"ABC Trading Co Ltd","aliases":[],"role":"ownership subject","source_excerpt":"Client: I'm a shareholder... Twelve percent, directly in my own name.","rationale":"Client confirmed direct 12% shareholding in this company.","confidence":0.9},{"party_id":"trust_reported_1","display_name":"W.C. Lin Family Trust","aliases":[],"role":"trust","source_excerpt":"Client: I believe it's called the W.C. Lin Family Trust.","rationale":"Client provided the trust name.","confidence":0.9},{"party_id":"holding_company_reported_1","display_name":"ABC Trading (BVI) Holdings Ltd","aliases":[],"role":"holding company","source_excerpt":"Client: Something like \"ABC Trading Holdings\" — BVI-registered. I want to say it's called ABC Trading (BVI) Holdings Ltd.","rationale":"Client described the offshore holding company name, albeit with uncertainty, but it is a distinct entity mentioned by the client.","confidence":0.85}],"relationships":[{"from_party_id":"client_primary","to_party_id":"entity_reported_1","relationship_type":"reported_direct_ownership","ownership_pct":12.0,"source_excerpt":"Client: Twelve percent, directly in my own name.","rationale":"Client explicitly stated a 12% direct ownership stake in ABC Trading Co Ltd.","confidence":0.9},{"from_party_id":"trust_reported_1","to_party_id":"entity_reported_1","relationship_type":"reported_indirect_ownership","ownership_pct":null,"source_excerpt":"Client: I know it holds an interest in something connected to ABC Trading.","rationale":"Client indicated the trust holds an interest in ABC Trading, but did not specify percentage.","confidence":0.65},{"from_party_id":"holding_company_reported_1","to_party_id":"entity_reported_1","relationship_type":"reported_indirect_ownership","ownership_pct":null,"source_excerpt":"Client: ... that company has some stake in ABC Trading.","rationale":"Client mentioned the BVI holding company has a stake in ABC Trading without quantifying it.","confidence":0.65},{"from_party_id":"client_primary","to_party_id":"trust_reported_1","relationship_type":"unconfirmed_beneficial_link","ownership_pct":null,"source_excerpt":"Client: I believe so, yes. I've never seen the trust deed itself.","rationale":"Client believes they are a beneficiary of the trust but cannot confirm beneficiary status.","confidence":0.65}],"sow_claims":[{"claim_id":"SOW_CLAIM_1","label":"Share sale proceeds","claimed_amount":28000000.0,"currency":"TWD","timeframe":"2019","source_excerpt":"Client: The largest piece is from 2019 — I sold a block of my shares in ABC Trading. That was roughly NT$28,000,000.","rationale":"Client explicitly quantified the proceeds from the 2019 share sale.","confidence":0.9},{"claim_id":"SOW_CLAIM_2","label":"Salary income and savings","claimed_amount":6500000.0,"currency":"TWD","timeframe":null,"source_excerpt":"Client: Salary... that accounts for around NT$6,500,000.","rationale":"Client provided a rough amount for salary-derived savings.","confidence":0.85},{"claim_id":"SOW_CLAIM_3","label":"Rental income","claimed_amount":4000000.0,"currency":"TWD","timeframe":null,"source_excerpt":"Client: That's rental income... roughly NT$4,000,000.","rationale":"Client stated an approximate amount for rental income from a Taipei property.","confidence":0.8}]},"execution":{"provider":"orchestrate_native","model_id":"groq/openai/gpt-oss-120b","execution_id":"2ea57413-5d5a-4a99-9a1c-b87938b4c15f","is_mock":false}},"reviewed_context":{"reviewed_context_version":1,"case_id":"CASE-BBDC997E62DF","source_case_version":1,"source_transcript_version":1,"source_proposal_version":1,"reviewer_id":"adviser-demo","fact_decisions":[{"code":"INTERVIEW_SUMMARY","action":"accept","corrected_value":null,"comment":null}],"party_decisions":[{"party_id":"client_primary","action":"accept","corrected_display_name":null,"corrected_role":null,"comment":null},{"party_id":"entity_reported_1","action":"accept","corrected_display_name":null,"corrected_role":null,"comment":null},{"party_id":"trust_reported_1","action":"accept","corrected_display_name":null,"corrected_role":null,"comment":null},{"party_id":"holding_company_reported_1","action":"accept","corrected_display_name":null,"corrected_role":null,"comment":null}],"relationship_decisions":[{"from_party_id":"client_primary","to_party_id":"entity_reported_1","relationship_type":"reported_direct_ownership","action":"accept","corrected_relationship_type":null,"corrected_ownership_pct":null,"comment":null},{"from_party_id":"trust_reported_1","to_party_id":"entity_reported_1","relationship_type":"reported_indirect_ownership","action":"accept","corrected_relationship_type":null,"corrected_ownership_pct":null,"comment":null},{"from_party_id":"holding_company_reported_1","to_party_id":"entity_reported_1","relationship_type":"reported_indirect_ownership","action":"accept","corrected_relationship_type":null,"corrected_ownership_pct":null,"comment":null},{"from_party_id":"client_primary","to_party_id":"trust_reported_1","relationship_type":"unconfirmed_beneficial_link","action":"accept","corrected_relationship_type":null,"corrected_ownership_pct":null,"comment":null}],"sow_claim_decisions":[{"claim_id":"SOW_CLAIM_1","action":"accept","corrected_label":null,"corrected_amount":null,"corrected_currency":null,"comment":null},{"claim_id":"SOW_CLAIM_2","action":"accept","corrected_label":null,"corrected_amount":null,"corrected_currency":null,"comment":null},{"claim_id":"SOW_CLAIM_3","action":"accept","corrected_label":null,"corrected_amount":null,"corrected_currency":null,"comment":null}]},"onboarding_identity":{"identity_version":1,"case_id":"CASE-BBDC997E62DF","identity_id":"CASE-8F627936423C","client_party_id":"client_primary","display_name":"Lin Wei-Chen","role":"client","source_case_version":1,"source_transcript_version":1,"source_proposal_version":1,"source_reviewed_context_version":1},"ubo_assessment":{"artifact_version":1,"source_case_version":1,"source_reviewed_context_version":1,"source_proposal_version":1,"calculated_at":"2026-09-02T09:39:08.750221Z","status":"review_required","client_party_id":"client_primary","subject_party_id":"entity_reported_1","confirmed_pct":0.0,"potential_pct":12.0,"incomplete_path_count":1,"thresholds":{"disclosure_pct":10.0,"ubo_pct":25.0},"paths":[{"status":"inferred","pct":12.0,"route":"Lin Wei-Chen -> ABC Trading Co Ltd"},{"status":"inferred","pct":null,"route":"Lin Wei-Chen -> W.C. Lin Family Trust -> ABC Trading Co Ltd"}]},"ubo_evidence_requests":[],"ubo_evidence_documents":[],"ubo_evidence_assessments":[{"artifact_version":1,"case_id":"CASE-BBDC997E62DF","source_case_version":1,"source_reviewed_context_version":1,"source_proposal_version":1,"source_ubo_assessment_version":1,"edge_id":"ubo-edge-a160c6f09af17003","edge_label":"Lin Wei-Chen -> W.C. Lin Family Trust · 60% · ownership","source_party_id":"client_primary","target_party_id":"trust_reported_1","relationship_type":"ownership","ownership_pct":60.0,"asserted_relationships":[{"edge_id":"ubo-edge-a160c6f09af17003","source_party_id":"client_primary","target_party_id":"trust_reported_1","source_display_name":"Lin Wei-Chen","target_display_name":"W.C. Lin Family Trust","relationship_type":"ownership","ownership_pct":60.0,"assertion_text":"Lin Wei-Chen holds 60% of W.C. 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