Missing Requirements and Issues

Missing requirements

As outlined here, when a customer has not fully met the requirements for an endorsement, the requirements object will include a list in the missing section that covers what needs to be provided. Requirements you may see missing are

Requirement	Description
address_of_incorporation	(business) registered_address has not been provided
address_of_operation	(business) physical_address has not been provided
address_of_residence	(individual, associated person) physical_address has not been provided
business_description	(business) business_description has not been provided
business_formation_document	(business) no document including business_formation as a purpose has been provided`
business_industry	(business) business_industry has not been provided
business_name	(business) business_legal_name has not been provided
business_ownership_document	(business) no document including ownership_information as a purpose has been provided
business_website	(business) primary_website has not been provided
control_person	(business) no one in associated_persons has has_control set to true
date_of_birth	(individual, associated person) birth_date has not been provided
email_address	email has not been provided
first_name	(individual, associated person) first_name has not been provided
has_base / has_sepa	indicates that another endorsement needs to be approved to unblock the current one; often one of multiple options that can be satisfied
is_dao	(business) is_dao has not been provided
last_name	(individual, associated person) last-name has not been provided
min_age_18/ min_age_60	(individual, associated person) have not been able to confirm a person meets age requirements; generally indicates that date_of_birth has not been provided
minimal_source_of_funds_data	(business) account_purpose and source_of_funds have not been supplied. This can be addressed by updating via the API, or by having the customer complete their persona hosted SOF workflow.
ownership_structure_attestation	(business) no one in associated_persons has providedattested_ownership_structure_at
persona_sanctions_screen	sanctions screening has not been performed; generally indicates that some necessary identifying information is missing
proof_of_address_document	(business) no document including proof_of_address as a purpose has been provided
proof_of_nature_of_business_document / proof_of_nature_of_business_document_in_persona	(business) no document including proof_of_nature_of_business as a purpose has been provided
source_of_funds_questionnaire	customer has been flagged as requiring SoF but has not submitted the full questionnaire
subdivision_not_ak_usa / subdivision_not_ny_usa	have not been able to confirm the location of the customer; generally indicates that the physical_address has not included a subdivision
tax_identification_number	no tax identification number suitable for the country of residence/operation has been provided
terms_of_service_v1 / terms_of_service_v2	(business, individual) customer has not accepted the minimum required version of Bridge's terms of service

Issues

If data has been submitted but encountered a problem during validation, the requirements section will include items in issues. Issues may see are

Issue Code	Description
Age-related Issues
beneficial_owner_too_young/customer_too_young	individual is under the minimum required age (18 years old); this can be amended if there was a typo in the birth date provided, but otherwise is a firm rejection
beneficial_owner_over_age / customer_over_age	individual exceeds maximum age; this generally indicates that additional information will be required
Compatibility Issues
developer_not_compatible	developer account is not compatible with the endorsement
customer_not_compatible	customer profile is not compatible with requirements
tax_identification_number_not_compatible	the format of the TIN did not pass validation or the type of TIN does not match the customer's geographic region
endorsement_not_available_in_customers_region	endorsement not available in customer's geographic region
Data Issues
residence_address_invalid_city	Residence address city is invalid
residence_address_invalid_address_line1	Residence address line 1 is invalid
residence_address_invalid_address_line2	Residence address line 2 is invalid
residence_address_invalid_postal_code	Residence address postal code is invalid
residence_address_invalid_subdivision_code	Residence address subdivision code is invalid
adverse_media_report_match	potential adverse media match found; customer will need a manual review
watchlist_report_match	potential sanctions watchlist match found; customer will need a manual review
Document Issues
business_formation_document_verification_failed	Business formation document verification failed
business_ownership_document_verification_failed	Business ownership document verification failed
government_id_verification_failed	government ID verification failed
funds_sourced_pension_or_retirement	funds sourced from pension/retirement (flagged)
high_expected_monthly_payments	high expected monthly payments (flagged)
high_risk_business_activities	customer engages in high-risk business activities
operates_in_prohibited_countries	customer operates in prohibited countries
poa_invalid_document_type	Proof of Address document type is not accepted
poa_manipulated	Proof of Address document appears to be manipulated
poa_name_mismatch	Proof of Address document name doesn't match customer name
poa_past_90_days	Proof of Address document is older than 90 days
poa_virtual_or_po_box	proof of Address is a virtual address or PO Box (not allowed)
proof_of_nature_of_business_document_verification_failed	Proof of nature of business document verification failed
suspicious_primary_purpose	primary purpose appears suspicious
suspicious_source_of_funds	source of funds appears suspicious
unemployed_using_salary	unemployed person claiming salary income (flagged)
Database Check Issues
business_lookup_no_match/ business_registry_no_match	found no matches in the business registry; customer will need a manual review
business_ein_no_match	EIN validation failed
business_website_failure	validation of the provided website failed; customer will need a manual review and may need to provide more information
database_check_failed_on_name_last	database check (looking up provided identifying information for a match with known indivudals) failed on last name
database_check_failed_on_social_security_number	database check failed on SSN
database_check_failed_on_tin_validation	database check failed on TIN validation
database_check_failed_on_house_number	database check failed on house number
database_check_failed_on_street_name	database check failed on street name
database_check_failed_on_street_type	database check failed on street type
database_check_failed_on_city	database check failed on city
database_check_failed_on_postal_code	database check failed on postal code
database_check_failed_on_subdivision	database check failed on subdivision
database_check_failed_on_country_code	database check failed on country code
Document Verification Issues
government_id_verification_failed	government ID verification failed
poa_failed	proof of Address verification failed
business_ownership_document_verification_failed	Business ownership document verification failed
business_formation_document_verification_failed	Business formation document verification failed
proof_of_nature_of_business_document_verification_failed	Proof of nature of business document verification failed
System Issues
blocklist_check_failed	identifying information provided is for a person that Bridge will not support
manual_review_rejected	manual review was rejected
pending_rfi	request for Information (RFI) is pending
Decline Reasons
rejected_due_to_unsupported_geo	rejected due to unsupported geography
rejected_due_to_unsupported_business_activities	rejected due to unsupported business activities
rejected_due_to_inaccurate_onboarding_details	rejected due to inaccurate onboarding details
rejected_due_to_unidentifiable_business_entity	rejected due to unidentifiable business entity