{
  "tool_id": "art-258-parse-camt053-reconciliation",
  "note": "camt.053 bank statement reconciliation: balance equation, BkTxCd classification, structured-remittance match rate. ISO20022-BKTXCD-2023-03.",
  "vectors": [
    {
      "name": "clean_statement_100pct_match",
      "description": "Clean 2-transaction statement: OPBD=10000 + CRDT 2000 - DBIT 1500 = CLBD 10500, both structured, CLEAN.",
      "policy_parameters": {
        "opening_balance": 10000,
        "closing_balance": 10500,
        "day_count_convention": "ACT/360",
        "transactions": [
          {
            "amount": 2000,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "RCDT"
            },
            "remittance_info": {
              "structured": true,
              "end_to_end_id": "E2E-001"
            }
          },
          {
            "amount": 1500,
            "credit_debit_indicator": "DBIT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "ICDT"
            },
            "remittance_info": {
              "structured": true,
              "end_to_end_id": "E2E-002"
            }
          }
        ]
      },
      "output_payload": {
        "balance_equation_passes": true,
        "opening_balance": 10000,
        "calculated_closing": 10500,
        "closing_balance": 10500,
        "variance": 0,
        "credit_sum": 2000,
        "debit_sum": 1500,
        "total_transactions": 2,
        "structured_count": 2,
        "unstructured_count": 0,
        "match_rate_pct": 100,
        "tx_counts_by_bucket": {
          "CREDIT_RECEIVED": 1,
          "CREDIT_ISSUED": 1
        },
        "bucket_amounts": {
          "CREDIT_RECEIVED": 2000,
          "CREDIT_ISSUED": 1500
        },
        "reconciliation_status": "CLEAN",
        "day_count_convention": "ACT/360",
        "table_version": "ISO20022-BKTXCD-2023-03",
        "table_source": "ISO 20022 ExternalBankTransactionCode1Code registry 2023-03 release; CGI-MP camt.053 Usage Guide v5.0 2023",
        "regulatory_basis": "ISO 20022 camt.053 BkTxCd Domain/Family/SubFamily classification per ExternalBankTransactionCode1Code registry 2023-03; balance equation OPBD + Σ movements = CLBD per CGI-MP camt.053 Usage Guide v5.0. Use for automated corporate TMS reconciliation. NOT for reconcile_mpp_subscription (MPP settlement) or reconcile_emir_pairing (EMIR trade reports).",
        "pii_note": "ZERO PII: structural statement fields, amounts, and transaction codes only. No account holder, beneficiary, or personal data enters this kernel.",
        "not_legal_advice": "Not accounting, tax, or legal advice. Reconciliation output requires review by qualified finance staff before use in financial statements."
      },
      "golden_hash": "f40fb3dd0aa95e92a4b8199ee5168fbacc22a23b7a9f76161938e3c4a5cedf28"
    },
    {
      "name": "failed_balance_equation",
      "description": "Balance equation fails: OPBD 5000 + CRDT 1000 = 6000 but CLBD reported as 5999, variance -1, FAILED_BALANCE.",
      "policy_parameters": {
        "opening_balance": 5000,
        "closing_balance": 5999,
        "day_count_convention": "ACT/360",
        "transactions": [
          {
            "amount": 1000,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "RCDT"
            },
            "remittance_info": {
              "structured": false,
              "end_to_end_id": "NOTPROVIDED"
            }
          }
        ]
      },
      "output_payload": {
        "balance_equation_passes": false,
        "opening_balance": 5000,
        "calculated_closing": 6000,
        "closing_balance": 5999,
        "variance": -1,
        "credit_sum": 1000,
        "debit_sum": 0,
        "total_transactions": 1,
        "structured_count": 0,
        "unstructured_count": 1,
        "match_rate_pct": 0,
        "tx_counts_by_bucket": {
          "CREDIT_RECEIVED": 1
        },
        "bucket_amounts": {
          "CREDIT_RECEIVED": 1000
        },
        "reconciliation_status": "FAILED_BALANCE",
        "day_count_convention": "ACT/360",
        "table_version": "ISO20022-BKTXCD-2023-03",
        "table_source": "ISO 20022 ExternalBankTransactionCode1Code registry 2023-03 release; CGI-MP camt.053 Usage Guide v5.0 2023",
        "regulatory_basis": "ISO 20022 camt.053 BkTxCd Domain/Family/SubFamily classification per ExternalBankTransactionCode1Code registry 2023-03; balance equation OPBD + Σ movements = CLBD per CGI-MP camt.053 Usage Guide v5.0. Use for automated corporate TMS reconciliation. NOT for reconcile_mpp_subscription (MPP settlement) or reconcile_emir_pairing (EMIR trade reports).",
        "pii_note": "ZERO PII: structural statement fields, amounts, and transaction codes only. No account holder, beneficiary, or personal data enters this kernel.",
        "not_legal_advice": "Not accounting, tax, or legal advice. Reconciliation output requires review by qualified finance staff before use in financial statements."
      },
      "golden_hash": "b59bef6cc03821080b69020fedde38a3eda6ac86b1541a7ed9df391615b3006c"
    },
    {
      "name": "partial_match_rate_70pct",
      "description": "10-transaction statement with 7 structured / 3 unstructured → 70% match rate, balance passes, PARTIAL_MATCH.",
      "policy_parameters": {
        "opening_balance": 0,
        "closing_balance": 1000,
        "day_count_convention": "ACT/365",
        "transactions": [
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "RCDT"
            },
            "remittance_info": {
              "structured": true
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "RCDT"
            },
            "remittance_info": {
              "structured": true
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "RCDT"
            },
            "remittance_info": {
              "structured": true
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "BOOK"
            },
            "remittance_info": {
              "structured": true
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "BOOK"
            },
            "remittance_info": {
              "structured": true
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "FEES",
              "family": ""
            },
            "remittance_info": {
              "structured": true
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "CAMT",
              "family": ""
            },
            "remittance_info": {
              "structured": true
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "RCDT"
            },
            "remittance_info": {
              "structured": false,
              "end_to_end_id": "NOTPROVIDED"
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "PMNT",
              "family": "RCDT"
            },
            "remittance_info": {
              "structured": false,
              "end_to_end_id": "NOTPROVIDED"
            }
          },
          {
            "amount": 100,
            "credit_debit_indicator": "CRDT",
            "bk_tx_cd": {
              "domain": "LDAS",
              "family": ""
            },
            "remittance_info": {
              "structured": false,
              "end_to_end_id": "NOTPROVIDED"
            }
          }
        ]
      },
      "output_payload": {
        "balance_equation_passes": true,
        "opening_balance": 0,
        "calculated_closing": 1000,
        "closing_balance": 1000,
        "variance": 0,
        "credit_sum": 1000,
        "debit_sum": 0,
        "total_transactions": 10,
        "structured_count": 7,
        "unstructured_count": 3,
        "match_rate_pct": 70,
        "tx_counts_by_bucket": {
          "CREDIT_RECEIVED": 5,
          "BOOK_TRANSFER": 2,
          "BANK_CHARGES": 1,
          "CASH_MANAGEMENT": 1,
          "LOAN_DEPOSIT": 1
        },
        "bucket_amounts": {
          "CREDIT_RECEIVED": 500,
          "BOOK_TRANSFER": 200,
          "BANK_CHARGES": 100,
          "CASH_MANAGEMENT": 100,
          "LOAN_DEPOSIT": 100
        },
        "reconciliation_status": "PARTIAL_MATCH",
        "day_count_convention": "ACT/365",
        "table_version": "ISO20022-BKTXCD-2023-03",
        "table_source": "ISO 20022 ExternalBankTransactionCode1Code registry 2023-03 release; CGI-MP camt.053 Usage Guide v5.0 2023",
        "regulatory_basis": "ISO 20022 camt.053 BkTxCd Domain/Family/SubFamily classification per ExternalBankTransactionCode1Code registry 2023-03; balance equation OPBD + Σ movements = CLBD per CGI-MP camt.053 Usage Guide v5.0. Use for automated corporate TMS reconciliation. NOT for reconcile_mpp_subscription (MPP settlement) or reconcile_emir_pairing (EMIR trade reports).",
        "pii_note": "ZERO PII: structural statement fields, amounts, and transaction codes only. No account holder, beneficiary, or personal data enters this kernel.",
        "not_legal_advice": "Not accounting, tax, or legal advice. Reconciliation output requires review by qualified finance staff before use in financial statements."
      },
      "golden_hash": "659ff86aceb2da3755855e642a6ca1a05ac57baa56df152e4eccd4eec3fa2f92"
    }
  ]
}