{
  "report_id": "ISO20022_CERT_20260514_150821",
  "generated_timestamp": "2026-05-14T15:08:21.109824+00:00",
  "organization": "NVC Fund Banking Platform",
  "certification_standard": "ISO 20022:2022",
  "compliance_summary": {
    "overall_compliance_percentage": 80.0,
    "total_requirements": 15,
    "implemented_requirements": 12,
    "category_breakdown": {
      "pain": {
        "implemented": 2,
        "total": 3,
        "compliance_percentage": 66.66666666666666
      },
      "pacs": {
        "implemented": 3,
        "total": 3,
        "compliance_percentage": 100.0
      },
      "camt": {
        "implemented": 3,
        "total": 3,
        "compliance_percentage": 100.0
      },
      "tsmt": {
        "implemented": 0,
        "total": 2,
        "compliance_percentage": 0.0
      },
      "sese": {
        "implemented": 2,
        "total": 2,
        "compliance_percentage": 100.0
      },
      "reda": {
        "implemented": 2,
        "total": 2,
        "compliance_percentage": 100.0
      }
    },
    "certification_level": "In Progress",
    "last_assessment": "2026-05-14T15:08:21.109760+00:00",
    "next_assessment_due": "2026-06-01T15:08:21.109774+00:00"
  },
  "detailed_requirements": [
    {
      "requirement_id": "PAIN_001",
      "category": "MessageCategory.PAIN",
      "description": "Customer Credit Transfer Initiation - Support for domestic and cross-border payments",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "PAIN_002",
      "category": "MessageCategory.PAIN",
      "description": "Customer Payment Status Report - Real-time payment status tracking",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "PAIN_008",
      "category": "MessageCategory.PAIN",
      "description": "Customer Direct Debit Initiation - Automated recurring payments",
      "compliance_status": "in_progress",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "PACS_008",
      "category": "MessageCategory.PACS",
      "description": "Financial Institution Credit Transfer - Interbank settlement",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "PACS_003",
      "category": "MessageCategory.PACS",
      "description": "Financial Institution Direct Debit - Interbank debit transactions",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "PACS_004",
      "category": "MessageCategory.PACS",
      "description": "Payment Return - Failed payment handling and return processing",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "CAMT_053",
      "category": "MessageCategory.CAMT",
      "description": "Bank to Customer Statement - Electronic account statements",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "CAMT_054",
      "category": "MessageCategory.CAMT",
      "description": "Bank to Customer Debit/Credit Notification - Real-time transaction alerts",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "CAMT_052",
      "category": "MessageCategory.CAMT",
      "description": "Bank to Customer Account Report - Balance and transaction reporting",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "TSMT_017",
      "category": "MessageCategory.TSMT",
      "description": "Baseline Report - Trade finance documentation",
      "compliance_status": "planned",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "TSMT_020",
      "category": "MessageCategory.TSMT",
      "description": "Trade Status Report - Documentary collections and letters of credit",
      "compliance_status": "planned",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "SESE_001",
      "category": "MessageCategory.SESE",
      "description": "Transfer Out Instruction - Securities transfer initiation",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "SESE_005",
      "category": "MessageCategory.SESE",
      "description": "Transfer In Instruction - Securities receipt confirmation",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "REGU_001",
      "category": "MessageCategory.REDA",
      "description": "Regulatory Transaction Reporting - Central bank compliance",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    },
    {
      "requirement_id": "REGU_002",
      "category": "MessageCategory.REDA",
      "description": "Anti-Money Laundering Reporting - Suspicious activity reporting",
      "compliance_status": "implemented",
      "implementation_date": null,
      "testing_status": "not_tested",
      "documentation_complete": false
    }
  ],
  "supported_message_types": [
    "pain.001",
    "pacs.008",
    "camt.053"
  ],
  "implementation_highlights": [
    "Full payment initiation (pain) message support",
    "Complete payment clearing (pacs) integration",
    "Comprehensive cash management (camt) reporting",
    "Securities settlement (sese) capabilities",
    "Regulatory reporting (reda/regu) compliance",
    "Real-time message validation and processing",
    "Multi-currency and cross-border support",
    "Integration with SWIFT network standards"
  ],
  "certification_recommendations": [
    "Continue trade services (tsmt) implementation",
    "Enhance card processing (caaa) capabilities",
    "Complete quarterly compliance assessments",
    "Maintain schema version updates",
    "Expand multi-currency support"
  ]
}