Relationship Types

Standardized relationship type codes used in the rs_relationship_type field.

Overview

RiskScout normalizes your institution's relationship codes to these standard categories. This enables consistent treatment of account ownership and signing authority.

Your original relationship code is preserved in relationship_type, while rs_relationship_type contains the mapped standard value.

Code Values

Code	Description
Primary Owner	Primary individual with ownership rights to the account
Owner	Has legal ownership rights to the account
Joint Owner	Shares ownership rights with at least one other individual
Beneficial Owner	Holds an economic interest but may not have control or management rights
Controlling Owner	Single individual with significant responsibility to control, manage, or direct the legal entity customer
Authorized Signer	Granted permission to sign transactions but may not have ownership rights
Administrator	Responsible for account management and administrative tasks
Guarantor	Guarantees payment or performance of the account or loan
Manager	Manages the account or entity but may not have ownership rights
Agent	Acts on behalf of the account owner, typically in limited capacity
Signator	Authorized to sign documents on behalf of the account holder
Officer	Holds a leadership or executive position within the account's entity
Insider	Has special access or influence due to position or relationship
Beneficiary	Designated to receive funds or benefits associated with the account
Trustee	Manages assets in a trust on behalf of the beneficiaries
Grantor	Creates and funds a trust, transferring ownership to the trustee
Alias	Alias for the account holder
Payable On Death	Automatically transfers to beneficiary upon death of all account owners

Usage Example

customer_number,account_number,relationship_type,rs_relationship_type,percent_ownership,signer_flag
C001,A001,01,Primary Owner,100,true
C002,A001,03,Authorized Signer,,true

Ownership Types

Individual Accounts

Scenario	Relationships
Single owner	Primary Owner (100%)
Joint account	Primary Owner + Joint Owner (split %)
POD designation	Owner + Payable On Death beneficiary

Business Accounts

Scenario	Relationships
LLC with signers	Primary Owner (entity) + Authorized Signer (individuals)
Beneficial owners	Primary Owner + Beneficial Owner (25%+ owners per FinCEN)
Control person	Controlling Owner (managing individual)

Trust Accounts

Scenario	Relationships
Revocable trust	Grantor + Trustee + Beneficiary
Irrevocable trust	Trustee + Beneficiary

Regulatory Considerations

FinCEN Beneficial Ownership (CDD Rule)

For legal entity customers, identify:

• Each individual with 25%+ ownership (Beneficial Owner)
• One individual with significant management responsibility (Controlling Owner)

CTR Aggregation

Relationship types affect CTR aggregation:

• Owners' transactions aggregate
• Authorized signers may or may not aggregate based on ctr_aggregation flag

Mapping Guidance

Your Code	Map To
Owner, Primary, Main	Primary Owner
Co-Owner, Joint, Secondary	Joint Owner
Signer, Auth Signer	Authorized Signer
Beneficial, BO, UBO	Beneficial Owner
Control Person	Controlling Owner
POD, TOD, Beneficiary	Beneficiary or Payable On Death
Trustee, Trust Officer	Trustee