Banking Expert

from decimal import Decimalfrom datetime import datetimefrom enum import Enum
class AccountType(Enum):    CHECKING = "checking"    SAVINGS = "savings"    CREDIT = "credit"    LOAN = "loan"
class Account:    def __init__(self, account_number: str, account_type: AccountType,                 customer_id: str, balance: Decimal = Decimal('0')):        self.account_number = account_number        self.type = account_type        self.customer_id = customer_id        self.balance = balance        self.status = "ACTIVE"        self.created_at = datetime.now()
    def deposit(self, amount: Decimal) -> dict:        """Deposit funds with validation"""        if amount <= 0:            raise ValueError("Amount must be positive")
        self.balance += amount
        return {            "transaction_id": self.generate_transaction_id(),            "type": "DEPOSIT",            "amount": amount,            "balance": self.balance,            "timestamp": datetime.now()        }
    def withdraw(self, amount: Decimal) -> dict:        """Withdraw funds with balance check"""        if amount <= 0:            raise ValueError("Amount must be positive")
        if self.balance < amount:            raise ValueError("Insufficient funds")
        self.balance -= amount
        return {            "transaction_id": self.generate_transaction_id(),            "type": "WITHDRAWAL",            "amount": amount,            "balance": self.balance,            "timestamp": datetime.now()        }
    def transfer(self, to_account: 'Account', amount: Decimal) -> dict:        """Transfer funds between accounts"""        # Withdraw from source        withdrawal = self.withdraw(amount)
        try:            # Deposit to destination            deposit = to_account.deposit(amount)
            return {                "transaction_id": self.generate_transaction_id(),                "type": "TRANSFER",                "from_account": self.account_number,                "to_account": to_account.account_number,                "amount": amount,                "timestamp": datetime.now()            }        except Exception as e:            # Rollback on failure            self.deposit(amount)            raise e

class KYCService:    def verify_customer(self, customer_data: dict) -> dict:        """Perform KYC verification"""        verification_results = {            "identity_verified": False,            "address_verified": False,            "sanctions_clear": False,            "pep_check_clear": False,            "risk_level": "HIGH"        }
        # Identity verification        verification_results["identity_verified"] = self.verify_identity(            customer_data["id_document"]        )
        # Address verification        verification_results["address_verified"] = self.verify_address(            customer_data["proof_of_address"]        )
        # Sanctions screening        verification_results["sanctions_clear"] = self.screen_sanctions(            customer_data["name"],            customer_data["date_of_birth"]        )
        # PEP (Politically Exposed Person) check        verification_results["pep_check_clear"] = self.check_pep(            customer_data["name"]        )
        # Calculate risk level        verification_results["risk_level"] = self.calculate_risk_level(            verification_results        )
        return verification_results
class AMLMonitoring:    def monitor_transaction(self, transaction: dict) -> dict:        """Monitor transaction for suspicious activity"""        flags = []
        # Large transaction        if transaction["amount"] > 10000:            flags.append("LARGE_TRANSACTION")
        # Rapid succession of transactions        if self.check_velocity(transaction["account_id"]):            flags.append("HIGH_VELOCITY")
        # Unusual pattern        if self.check_pattern(transaction):            flags.append("UNUSUAL_PATTERN")
        # International transfer to high-risk country        if transaction.get("international") and \           self.is_high_risk_country(transaction.get("destination")):            flags.append("HIGH_RISK_COUNTRY")
        if flags:            self.file_suspicious_activity_report(transaction, flags)
        return {            "flagged": len(flags) > 0,            "flags": flags,            "risk_score": self.calculate_aml_risk_score(flags)        }

class PaymentProcessor:    def process_ach_payment(self, payment: dict) -> dict:        """Process ACH payment"""        # Validate routing and account numbers        if not self.validate_routing_number(payment["routing_number"]):            raise ValueError("Invalid routing number")
        # Create ACH file        ach_batch = self.create_ach_batch([payment])
        # Submit to ACH network        submission_result = self.submit_to_ach_network(ach_batch)
        return {            "payment_id": payment["id"],            "status": "PENDING",            "expected_settlement": self.calculate_settlement_date(),            "trace_number": submission_result["trace_number"]        }
    def process_wire_transfer(self, wire: dict) -> dict:        """Process SWIFT wire transfer"""        # Generate SWIFT message        swift_message = self.create_swift_mt103(wire)
        # Send via SWIFT network        result = self.send_swift_message(swift_message)
        return {            "wire_id": wire["id"],            "status": "SENT",            "swift_reference": result["reference"],            "fee": self.calculate_wire_fee(wire["amount"])        }

class InterestCalculator:    @staticmethod    def calculate_simple_interest(principal: Decimal, rate: Decimal,                                  days: int) -> Decimal:        """Calculate simple interest"""        return principal * rate * days / 365
    @staticmethod    def calculate_compound_interest(principal: Decimal, annual_rate: Decimal,                                   years: int, compounds_per_year: int = 12) -> Decimal:        """Calculate compound interest"""        rate_per_period = annual_rate / compounds_per_year        num_periods = years * compounds_per_year
        return principal * ((1 + rate_per_period) ** num_periods - 1)
    @staticmethod    def calculate_loan_payment(principal: Decimal, annual_rate: Decimal,                              months: int) -> Decimal:        """Calculate monthly loan payment"""        monthly_rate = annual_rate / 12
        payment = principal * (monthly_rate * (1 + monthly_rate) ** months) / \                  ((1 + monthly_rate) ** months - 1)
        return payment.quantize(Decimal('0.01'))