Transactions

The transactions entity contains all monetary activity across accounts.

Overview

Transactions include:

• Deposits and withdrawals
• Transfers (internal and external)
• Wire transfers (domestic and international)
• Card transactions (debit, credit, ATM)
• Checks and ACH
• Cash activity

Entity Relationships

Every transaction links to an account via account_number.

Key Fields

Field	Description	Example
account_number	Account identifier	1234567890
date	Transaction date	2024-01-15
amount	Amount in cents	50000 = $500.00
debit_credit	Direction	D (debit) or C (credit)
rs_transaction_type	Standardized type	Wire, ACH, Cash

Transaction Types

RiskScout standardizes transaction codes into categories for consistent monitoring:

Category	Description
Wire	Wire transfers
International Wire	Cross-border wire transfers
ACH	Automated clearing house
Check	Check transactions
Cash	Cash deposits/withdrawals
Debit Card	Debit card purchases
Internal Financial Institution Transfer	Internal transfers
External Financial Institution Transfer	External transfers

See Transaction Types for the complete list.

Amount Fields

Currency Values

All amounts are in cents. $500.00 = 50000

Field	Description
amount	Transaction amount
cash_in_amount	Cash portion deposited
cash_out_amount	Cash portion withdrawn

For split transactions, cash_in_amount + cash_out_amount may differ from amount.

Direction Indicator

Value	Meaning
D	Debit - money leaving the account
C	Credit - money entering the account

Wire Transfer Fields

For wire transfers, include:

Field	Description
wire_date	Wire execution date
receiver_name	Beneficiary name
receiver_address	Beneficiary address
receiver_financial_institution_name	Receiving bank
sender_name	Originator name
sender_address	Originator address
sender_financial_institution_name	Sending bank
international_flag	true for international

ACH Fields

For ACH transactions:

Field	Description
sec_code	SEC code (PPD, CCD, WEB, etc.)
company_name	Originator company
company_id	Company identifier
individual_name	Individual name
entry_class	Entry class code

Check Fields

For check transactions:

Field	Description
check_number	Check serial number

Cash Transaction Fields

For cash activity:

Field	Description
cash_in_amount	Cash deposited
cash_out_amount	Cash withdrawn
conductor_name	Person conducting transaction
conductor_id	Conductor identification
conductor_id_type	Type of ID presented

Required Fields

At minimum, include:

• account_number - Account reference
• date - Transaction date
• amount - Transaction amount
• debit_credit - Direction
• code or rs_transaction_type - Transaction type

Recommended:

• timestamp - Full datetime if available
• description - Transaction description
• Channel-specific fields (wire details, ACH info, etc.)

Best Practices

1. Daily submission - Transaction data should be submitted daily
2. Include all activity - Don't filter transactions; RiskScout handles relevance
3. Consistent coding - Map codes to rs_transaction_type values
4. Full wire details - Include complete originator/beneficiary info
5. Cash reporting - Include conductor info for teller transactions

Field Reference

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