> ## Documentation Index > Fetch the complete documentation index at: https://docs.synctera.com/llms.txt > Use this file to discover all available pages before exploring further. # Enhanced Due Diligence > Enhanced due diligence (EDD) lets you submit additional information about high-risk customers, businesses, accounts, and transactions to support anti-money-laundering review and Customer Risk Rating. ## Overview Enhanced due diligence (EDD) is the process financial institutions use to check and monitor high-risk customers and unusual transactions for potential money-laundering activity. The information required varies by scenario, so Synctera's EDD API accepts a different set of fields for each type of resource. **An EDD submission** attaches extra information to an existing resource. Combined with the data gathered during KYC/KYB, it feeds Synctera's [Customer Risk Rating (CRR)](/v2/reference/listcrr) and supports responses to requests for information (RFIs). Key characteristics: * **Typed by resource** — each submission targets a `CUSTOMER`, `BUSINESS`, `ACCOUNT`, or `TRANSACTION`, and the accepted fields differ per type. * **Reason-driven** — the `reason` field (`CASE_REQUEST` or `STANDARD_SUBMISSION`) records why the EDD was created; a `CASE_REQUEST` also requires a `case_id`. * **CRR input** — customer and business EDD, together with KYC/KYB data, lets Synctera compute a Customer Risk Rating. * **Attachable** — supporting documents can be linked to an EDD using the [Documents API](/v2/reference/createdocument). ### When to submit EDD * **During onboarding** — submit additional information right after creating a customer or business. * **In response to an RFI** — answer a request for information on a KYC/KYB, account, or transaction case, referencing the `case_id`. * **Recurring updates** — periodically refresh a customer's or business's information. * **High CRR outcome** — when a customer or business is rated **High** by the CRR, EDD is required. ## Prerequisites This guide assumes you have: * Created a [personal customer](/v2/docs/create-a-personal-customer) or [business customer](/v2/docs/create-a-business) * An existing account or transaction (for account or transaction EDD) You should also be familiar with: * [Need to Know — Environments](/v2/reference/need-to-know#environments) * [Need to Know — Authentication](/v2/reference/need-to-know#authentication) ## The EDD object Every EDD submission shares a common set of fields; the remaining fields depend on `related_resource_type`. | Field | Description | | ----------------------- | --------------------------------------------------------------------------------- | | `related_resource_id` | **Required.** The `id` of the customer, business, account, or transaction. | | `related_resource_type` | **Required.** One of `CUSTOMER`, `BUSINESS`, `ACCOUNT`, `TRANSACTION`. | | `reason` | **Required.** Why the EDD was created: `CASE_REQUEST` or `STANDARD_SUBMISSION`. | | `case_id` | Required when `reason` is `CASE_REQUEST`; the case the submission responds to. | | `additional_questions` | Free-form question/answer pairs, each with a `section`, `question`, and `answer`. | Submit an EDD with [POST /v2/edd](/v2/reference/createedd). The sections below show the additional fields for each resource type. ## Submitting EDD ### Customer EDD Customer EDD submits additional information about a personal customer, either after creation or as a response to an RFI on a KYC case. Along with KYC data, it lets Synctera run a Customer Risk Rating. | Field | Description | | --------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------- | | `employment_type` | `CONTRACTOR`, `FULL_TIME`, `INTERN`, `PART_TIME`, `VOLUNTEER`, `TEMPORARY`, `RETIRED`, `STUDENT`, or `OTHER`. | | `income` | Employment income: `amount`, `currency`, `frequency`, and `source`. | | `occupation` | Free-text occupation (e.g. Product Manager). | | `occupation_industry` | Industry classification (e.g. `FINANCE_AND_INSURANCE`, `CONSTRUCTION`, `RETAIL_TRADE`). See the [API reference](/v2/reference/createedd) for the full enum. | | `residence_type` | `OWN`, `RENT`, or `OTHER`. | | `residential_expense` | Residential expenses: `amount`, `currency`, and `frequency`. | ```shell theme={"system"} curl \ -X POST \ -H "Authorization: Bearer $apikey" \ -H 'Content-Type: application/json' \ https://api.synctera.com/v2/edd \ --data-binary ' { "related_resource_id": "{PERSON_ID}", "related_resource_type": "CUSTOMER", "reason": "CASE_REQUEST", "case_id": "12345", "employment_type": "FULL_TIME", "occupation": "Investment Banker", "occupation_industry": "FINANCE_AND_INSURANCE", "residence_type": "RENT", "residential_expense": { "amount": 1000000, "currency": "USD", "frequency": "MONTHLY" }, "income": { "amount": 8000000, "currency": "USD", "frequency": "MONTHLY", "source": "EMPLOYMENT" }, "additional_questions": [ { "section": "income", "question": "How can you make so much money?", "answer": "Buy low, sell high" }, { "section": "occupation", "question": "If employed, how long have you held your current position?", "answer": "Since 2023-04-15" } ] }' ``` ### Business EDD Business EDD submits additional information about a business, either after creation or as a response to an RFI on a KYB case. Along with KYB data, it lets Synctera run a Customer Risk Rating. | Field | Description | | ---------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `country` | The business's headquarters country. | | `industry_type` | The business's industry (e.g. `MINING_QUARRYING_AND_OIL_AND_GAS_EXTRACTION`). See the [API reference](/v2/reference/createedd) for the full enum. | | `estimated_revenue` | Estimated revenue: `amount`, `currency`, and `frequency`. | | `specific_involvement` | A complete set of boolean declarations (e.g. `cannabis_industry`, `licensed_money_service_business`, `arms_defense_or_security`). All flags must be provided. | | `transaction_volume` | Expected transaction volume on (`on_synctera: true`) and off (`on_synctera: false`) the Synctera platform. | ```shell theme={"system"} curl \ -X POST \ -H "Authorization: Bearer $apikey" \ -H 'Content-Type: application/json' \ https://api.synctera.com/v2/edd \ --data-binary ' { "related_resource_id": "c10ec16e-9d92-49af-892d-0c3627e0926e", "related_resource_type": "BUSINESS", "reason": "STANDARD_SUBMISSION", "country": "NO", "industry_type": "MINING_QUARRYING_AND_OIL_AND_GAS_EXTRACTION", "specific_involvement": { "ngo_or_non_profit": false, "licensed_money_service_business": false, "cannabis_industry": false, "wellness_gift_cards_wholesaler": false, "law_firm_or_fiduciary": false, "arms_defense_or_security": false, "precious_metals_stones_or_jewellery": false, "embassies_or_consulates": false, "illegal_activities_prostitution_or_pirated_goods": false, "lotteries_crypto_currency_or_illegal_internet_gambling": false, "shell_banks_or_unlicensed_money_service_business": false }, "estimated_revenue": { "amount": 50000000, "currency": "USD", "frequency": "MONTHLY" }, "transaction_volume": [ { "on_synctera": true, "channel": "WIRES", "channel_coverage": "INTERNATIONAL", "currency": "USD", "transaction_count": 10, "amount": 8000000, "frequency": "MONTHLY" }, { "on_synctera": true, "channel": "ACH", "channel_coverage": "DOMESTIC", "currency": "USD", "transaction_count": 50, "amount": 1000000, "frequency": "MONTHLY" } ], "additional_questions": [ { "section": "business", "question": "Is the business involved in upstream or downstream?", "answer": "Upstream. We mainly provide geological and research services" }, { "section": "revenue", "question": "What are some of the main business expenses?", "answer": "Salaries, travel expenses, and research" } ] }' ``` ### Account EDD Account EDD submits additional information about an account, typically in response to an account under review or frozen. Beyond the common fields, it accepts `additional_questions`. ```shell theme={"system"} curl \ -X POST \ -H "Authorization: Bearer $apikey" \ -H 'Content-Type: application/json' \ https://api.synctera.com/v2/edd \ --data-binary ' { "related_resource_id": "c10ec16e-9d92-49af-892d-0c3627e0926e", "related_resource_type": "ACCOUNT", "reason": "CASE_REQUEST", "case_id": "12345", "additional_questions": [ { "section": "reason", "question": "Explain the reason for the high number of transactions with value more than $25,000.", "answer": "These were invoice payments." } ] }' ``` ### Transaction EDD Transaction EDD submits additional information about a specific transaction, typically in response to an RFI for a transaction in review. | Field | Description | | --------------------- | -------------------------------------------- | | `transaction_purpose` | The purpose of the transaction. | | `source_of_funds` | `INVESTMENT`, `SALARY`, `SALES`, or `OTHER`. | ```shell theme={"system"} curl \ -X POST \ -H "Authorization: Bearer $apikey" \ -H 'Content-Type: application/json' \ https://api.synctera.com/v2/edd \ --data-binary ' { "related_resource_id": "5c96bda6-60d9-4d6c-b05f-6ca4bcce79ce", "related_resource_type": "TRANSACTION", "reason": "CASE_REQUEST", "case_id": "12345", "source_of_funds": "OTHER", "transaction_purpose": "for tuition payment", "additional_questions": [ { "section": "Source of funds", "question": "Where did these funds originate from?", "answer": "A recent estate disbursement." }, { "section": "Transaction purpose", "question": "What was this payment for?", "answer": "Tuition fees at University of New York" } ] }' ``` ## Best practices When `reason` is `CASE_REQUEST`, always include the `case_id`. Omitting it means the submission cannot be tied back to the case that requested it. * **Submit the complete field set** — for business EDD, every `specific_involvement` flag must be provided, even when `false`. * **Attach supporting documents** — link source documents to the EDD with the [Documents API](/v2/reference/createdocument) rather than pasting them into answers. * **Keep information current** — submit recurring updates for higher-risk customers and businesses so the CRR reflects the latest data. * **Answer RFIs specifically** — use `additional_questions` to give clear, reviewable answers a compliance analyst can act on. ## Related guides Onboard a person before submitting customer EDD. Onboard a business before submitting business EDD. EDD complements the data collected during verification. ## API reference * [Create an EDD](/v2/reference/createedd) * [List EDDs](/v2/reference/listedd) * [Get an EDD](/v2/reference/getedd) * [Delete an EDD](/v2/reference/deleteedd) * [Create a document](/v2/reference/createdocument)