Customer record

what is a customer record most of the time, if you want to offer a feature or service your customers through cross river, you must first create a customer record , sometimes called onboarding the customer a customer record is just that, a record of details of an individual or business this record includes customer communication details, tax information and other data the customer record is a primary source of information for creating a bank account, for example you can associate a customer with more than one bank account cross river also uses the customer record for the know your customer ( {{kyc}} ) and know your business ( {{kyb}} ) activities create/onboard a customer either docid\ q4 jm 3vhwwmddeezxewg or using docid\ ffhfeajqlbbvqme m5lwl i mportant some customer endpoints include a duediligence resource that may or may not be required when onboarding customers your assigned compliance liaison communicates requirements for any due diligence fields during your onboarding process due diligence fields also appear when you create a customer using cos explorer api examples the example below shows how to docid\ isgkj7nis9jhmyu3upubk for a personal customer onboard person request post /core/v1/cm/customers { "partnerid" "7cc038be fde9 4455 b27b 1497cf667362", "name" { "prefix" "mr ", "firstname" "john", "middlename" "robert", "lastname" "smith", "suffix" "jr ", "preferredname" "jim" }, "classification" "personal", "profile" { "rego" false, "citizenshipcountrycode" "us", "politicallyexposedperson" false, "enablebackupwithholding" false, "backupwithholdingpercent" 0, "taxidtype" "ssn", "taxid" "123456789", "birthdate" "1965 09 15", "riskrating" "low", "privacyoptout" true } } onboard a business customer such as corporation or llc using the same endpoint with slightly different attributes post /core/v1/cm/customers { "partnerid" "a24cba49 2bb6 431d a867 1de81d6e4127", "name" { "entityname" "acme co", }, "classification" "business", "profile" { "citizenshipcountrycode" "us", "enablebackupwithholding" false, "backupwithholdingpercent" 0, "taxidtype" "ein", "taxid" "123456789", "dateformed" "2019 09 10", "entitytype" "corporation", "riskrating" "low", "ownershiptype" "legalentity", "primaryownercustomerid" "f9321f7f 3712 46e1 b965 2b79ead64dc9", } } regardless of whether you are onboarding a personal or business customer, the primaryownercustomerid attribute must contain a customer id referencing a customer record of type personal so to onboard a business, you must first create a personal customer record for the primary owner of that business every customer has an identifying id in the system in {{guid}} format in cos explorer find this id at the end in the url of the customer details page /explorer2/core/cm/customers/details/ c3f1d6e8 3bca 48e5 9249 b30400b3ab47 when you create a customer using the api, this id is returned in the response use this id to find the customer in cos explorer, or to run api calls about this customer beneficial owners a beneficial owner is a person who owns 25% or more of a business for regulatory reasons, you need to docid\ eoh9pzyarqnyhe9mh979u resource in a business customer record for each beneficial owner of that business the ownercustomerid attribute references the personal customer record for each beneficial owner you usually add beneficial owner resources to the business customer record immediately after onboarding a business post /core/v1/cm/customers/{customerid}/beneficial owners { "ownercustomerid" "c1210a2d 932e 43ca be29 f358a4382385", "ownertitle" "president" } address the physical addresses associated with customer can be docid\ twpyip5zxe kjejqeuqfc post /core/v1/cm/customers/{customerid}/addresses { "isprimary" true, "status" "active", "classification" "residential", "addresstype" "home", "street1" "123 maple street", "street2" "apt 12", "street3" "", "city" "new york", "state" "ny", "postalcode" "10025", "countrycode" "us", } email addresses docid\ ghuobtasq0vflceawxpte contact information for customer post /core/v1/cm/customers/{customerid}/emails { "isprimary" true, "emailtype" "personal", "emailaddress" "john smith\@crossriver com" } phones docid 5bnwsnxsqtb gtuntlnpw contact information for customer post /core/v1/cm/customers/{customerid}/phones { "phonetype" "home", "isprimary" true, "phonenumber" "2015551234" } identifications identifications are used to track metadata for customer identifying documents such as driver's licenses and passports docid\ qjfgsujvfqoxcpjiqzlff can be used to add new id details post /core/v1/cm/customers/{customerid}/identifications { "isprimary" true, "idnumber" "dl123456789", "idtype" "driverslicense", "issueddate" "2018 08 30", "expdate" "2018 08 30", "verifieddate" "2018 08 30", "issuingauthority" "nj dmv", "issuingstateorprovince" "nj", "issuingcountrycode" "us", }