Banking & Financial Services Ontology

Comprehensive domain knowledge for retail and commercial banking operations.

Overview

The Banking ontology provides AI agents with deep understanding of:

• Account management and transactions
• Loan processing and underwriting
• Regulatory compliance (KYC, AML, PCI-DSS)
• Customer service workflows
• Risk assessment

Key Entities

Entity	Description	Attributes
Account	Financial account	Type, Balance, Status, Owner
Transaction	Financial movement	Type, Amount, Date, Parties
Customer	Account holder	Type, KYC Status, Risk Score
Loan	Credit facility	Amount, Rate, Term, Status
Card	Payment card	Type, Limit, Status

Common Workflows

Account Opening

graph LR
    A[Application] --> B[KYC Check]
    B --> C{Approved?}
    C -->|Yes| D[Create Account]
    C -->|No| E[Request Docs]
    D --> F[Issue Card]

Fraud Detection

• Real-time transaction monitoring
• Pattern recognition
• Alert escalation
• Investigation workflow

Regulatory Compliance

Regulation	Scope	Key Requirements
KYC	Customer onboarding	Identity verification, risk assessment
AML	Transactions	Suspicious activity reporting
PCI-DSS	Card data	Encryption, access controls
GDPR	Customer data	Consent, data rights

Prompt Templates

Customer Inquiry

As a banking service agent, help the customer with their
inquiry about {topic}. Reference their account history
and provide accurate information while maintaining
compliance with banking regulations.

Fraud Alert Review

Analyze this transaction alert for potential fraud:
- Transaction: {details}
- Customer profile: {profile}
- Historical patterns: {patterns}

Recommend: Approve, Decline, or Escalate with reasoning.

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This ontology is continuously updated based on industry developments and regulatory changes.