Missing requirements and issues - Bridge

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
`has_valid_national_id`	(individual, EEA) a valid national ID document has not been provided
`id_not_expired`	(individual, EEA) the government ID on file is expired; a valid, non-expired ID must be submitted
`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.
`nationalities`	(individual, EEA) the customer’s nationality or nationalities have not been provided
`ownership_structure_attestation`	(business) no one in `associated_persons` has provided`attested_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; individual, EEA) 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
`sole_proprietorship_too_many_ubos`	Sole proprietorship businesses must have exactly one beneficial owner
`sole_proprietorship_ubo_missing_ownership_or_control`	Sole proprietorship beneficial owner must have ownership and control
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

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