GET /obp/v7.0.0/banks/BANK_ID/customers/CUSTOMER_ID/investigation-report

Get a Customer Investigation Report for fraud detection, AML (Anti-Money Laundering), and financial crime analysis.

This endpoint assembles a comprehensive data package for a customer in a single API call, designed for use by AI agents, compliance officers, and financial crime investigators.

Use Cases:

Fraud Detection - identify suspicious transaction patterns
AML / Anti-Money Laundering - trace fund flows and flag anomalies
KYC Enhanced Due Diligence - deep-dive into customer activity
Suspicious Activity Report (SAR) preparation
Financial crime investigation and evidence gathering

Data Returned:

Customer details (legal name, KYC status)
All accounts linked to the customer (with balances)
Transaction history for those accounts (within the specified date range)
Related customers (via customer links) — spouses, associates, business partners

Suspicious Patterns This Data Supports Detecting:

Money flowing through intermediary companies (A to B to C patterns)
Payments inconsistent with known income or salary
Transfers to related parties (spouses, associates) shortly after large inflows
Round-tripping — money returning to origin via indirect paths
Vague or generic transaction descriptions on large amounts
Structuring — multiple transactions just below reporting thresholds
Rapid movement of funds across accounts (layering)

Query Parameters:

from_date: Start date for transactions (ISO format, e.g. 1100-01-01T01:01:01.000Z). Defaults to 1 year ago.
to_date: End date for transactions (ISO format, e.g. 1100-01-01T01:01:01.000Z). Defaults to now.
limit: Maximum number of transactions per account (default 500).

Note: This endpoint is only available in mapped mode (connector=mapped). For other connector configurations, use the individual endpoints to retrieve customer, account, transaction, and customer link data separately.

Authentication is Required

User Authentication is Required. The User must be logged in. The Application must also be authenticated.

URL Parameters:

BANK_ID: gh.29.uk

CUSTOMER_ID: 7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh

{ "customer_id": "7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh", "legal_name": "John Doe", "bank_id": "gh.29.uk", "accounts": [ { "account_id": "8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0", "bank_id": "gh.29.uk", "currency": "EUR", "balance": "150000", "account_name": "Current Account", "account_type": "CURRENT", "transactions": [ { "transaction_id": "2fg8a7e4-6d02-40e3-a129-0b2bf89de8ub", "account_id": "8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0", "amount": "1250", "currency": "EUR", "transaction_type": "DEBIT", "description": "Payment for consulting services", "start_date": "1100-01-01T00:00:00Z", "finish_date": "1100-01-01T00:00:00Z", "counterparty_name": "ACME Corp", "counterparty_account": "DE89370400440532013000", "counterparty_bank_name": "Deutsche Bank" } ] } ], "related_customers": [ { "customer_link_id": "613c83ea-80f9-4560-8404-b9cd4ec42a7f", "other_customer_id": "7uy8a7e4-6d02-40e3-a129-0b2bf89de8uh", "other_bank_id": "gh.29.uk", "relationship": "spouse", "other_legal_name": "Jane Doe" } ], "from_date": "1100-01-01T00:00:00Z", "to_date": "1100-01-01T00:00:00Z", "data_source": "mapped_database" }