Customer Relationships

The customer_relationships entity links customers to accounts, defining ownership and access rights.

Overview

Customer relationships define:

• Account ownership (primary, joint, beneficial)
• Signing authority
• Percentage ownership
• Relationship types (owner, signer, beneficiary, trustee)

Entity Relationships

This is a many-to-many join between customers and accounts.

Key Fields

Field	Description	Example
customer_number	Customer identifier	C00012345
account_number	Account identifier	1234567890
rs_relationship_type	Standardized type	Primary Owner, Joint Owner
percent_ownership	Ownership % (0-100)	50.0
signer_flag	Signing authority	true

Relationship Types

Type	Description
Primary Owner	Main account holder
Owner	Legal owner
Joint Owner	Shared ownership
Beneficial Owner	Economic beneficiary
Controlling Owner	Controls legal entity
Authorized Signer	Can sign but may not own
Beneficiary	Named beneficiary
Trustee	Trust manager
Agent	Acts on behalf of owner

See Relationship Types for the complete list.

Required Fields

At minimum, include:

• customer_number - Customer reference
• account_number - Account reference
• rs_relationship_type - Type of relationship

Recommended:

• percent_ownership - For ownership percentages
• signer_flag - Whether party can sign
• date_opened - When relationship began

Common Patterns

Single Owner Account

One customer owns the account:

customer_number,account_number,rs_relationship_type,percent_ownership
C001,A001,Primary Owner,100

Joint Account

Multiple owners share the account:

customer_number,account_number,rs_relationship_type,percent_ownership
C001,A001,Primary Owner,50
C002,A001,Joint Owner,50

Business Account with Signers

Business entity owns, individuals can sign:

customer_number,account_number,rs_relationship_type,percent_ownership,signer_flag
B001,A001,Primary Owner,100,false
C001,A001,Authorized Signer,,true
C002,A001,Authorized Signer,,true

Trust Account

Trustee manages, beneficiary receives benefits:

customer_number,account_number,rs_relationship_type
C001,A001,Trustee
C002,A001,Beneficiary

CTR Aggregation

The ctr_aggregation field indicates whether transactions should aggregate for Currency Transaction Report purposes:

• Y - Include in CTR aggregation
• N - Exclude from CTR aggregation

This is important for joint accounts where multiple parties transact.

Best Practices

1. Complete ownership - Every account should have at least one owner relationship
2. Ownership percentages - Should sum to 100% for owned accounts
3. Signer authority - Mark all parties who can transact
4. Beneficial owners - Include for business accounts per FinCEN requirements
5. Keep current - Update when relationships change

Field Reference

See Customer Relationships Field Reference for the complete field list with types and descriptions.