{
      "name": "aml-lookback-closure-cycle",
      "domain": "Financial Crime & KYC",
      "title": "AML Lookback Closure Cycle",
      "description": "Three-step closure cycle over a BSA/AML consent-order or self-identified lookback: the re-screened population, the resulting disposition sampling frame, and the caller's own per-sampled-item disposition records (filed/no-SAR/escalated, with rationale). Step 1 reconciles the re-screening extract's completeness against the declared population, excluding any period with no preserved list snapshot as unverifiable rather than screening it against today's list. Step 2 builds a deterministic disposition sampling frame and reviewer workload allocation over the verifiable population. Step 3 rolls up disposition-coverage against the sample frame's declared size, disposition-rationale-presence on every filed/no-SAR item, and a population-to-sample tie-out between steps 1 and 2's declared population sizes, into a closed §27.4 gate value. A hold or escalate outcome routes the cycle to the BSA Officer as reviewer before the lookback is treated as settled; a completed lookback, including an auto_pass rollup, still requires a separate §27 approval record naming the BSA Officer or designated compliance role as approver; automation never substitutes for that named sign-off. Customer id, alert id, and transaction reference are §25-salted throughout (sha256-salted@1 commitment strings only; no plaintext identifier ever enters the chain). This bundle is the institution's own evidence of its lookback closure basis, not a supervisory determination.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/aml-lookback-closure-cycle.html",
      "regulatory_refs": [
        "31 CFR 1020.210(b)(4) (BSA compliance program independent testing requirement)",
        "FFIEC BSA/AML Examination Manual (Independent Testing)"
      ],
      "steps": [
        {
          "tool_id": "art-470-lookback-completeness-reconciler",
          "handoff": "verifiable_source_count, verifiable_extract_count, and unverifiable_periods (excluded from re-screen scope) feed the disposition sampling frame's population definition; population size also feeds the rollup's population-to-sample tie-out"
        },
        {
          "tool_id": "art-471-disposition-sampling-frame",
          "handoff": "reviewer_workload allocation and the sample frame's declared population size feed the disposition rollup kernel, alongside the caller's per-sampled-item disposition records"
        },
        {
          "tool_id": "art-534-aml-lookback-disposition-rollup",
          "handoff": "Disposition-coverage, disposition-rationale-presence, and population-to-sample tie-out roll up into a closed §27.4 gate_policy value that closes the lookback's evidence bundle. Final stage.",
          "gate": {
            "input": "/decision/gate_policy",
            "rules": [
              {
                "op": "neq",
                "value": "auto_pass",
                "next": "end"
              }
            ],
            "default": "end",
            "gate_policy": "hold"
          }
        }
      ]
    }