#744 Implement lending pool compliance module for institutions FIXED

[onakijames-droid]

CLOSED #744 Implement lending pool compliance module for institutions

What Changed

• api/src/services/compliance.service.ts — Major overhaul: added AML risk assessment engine (scoring addresses 0–100 across six factors: sanctions, KYC status, jurisdiction risk, rapid movement, structuring, high-frequency/volume), regulatory limits enforcement (daily/weekly/max-single with per-jurisdiction overrides and non-KYC volume caps), runtime compliance configuration (ComplianceConfig), compliance dashboard (ComplianceDashboardData), enhanced audit trail with SHA-256 hash-chain integrity and verification, jurisdiction restriction management, and a reset() method for test isolation. Added new interfaces: AmlRiskAssessment, ComplianceConfig, ComplianceDashboardData. Extended ComplianceCheckResult with amlRiskScore and amlFlags. Extended ComplianceReport with kycVerifications, kycRevocations, amlAlerts, eventTypeBreakdown, and populated jurisdictionBreakdown.

• api/src/controllers/compliance.controller.ts — Added 15 new endpoint handlers: assessAmlRisk, getAmlRisk, listAmlAssessments, updateSarStatus, listKycVerifications, getConfig, updateConfig, setJurisdictionLimits, addRestrictedJurisdiction, removeRestrictedJurisdiction, getDashboard, checkRegulatoryLimits, verifyAuditTrailIntegrity, and enhanced checkSanctioned to include OFAC screening results.

• api/src/routes/v1/compliance/index.ts — Added 13 new routes: AML assess/get/list, SAR status update, KYC list, config get/update/jurisdiction-limits/restricted-jurisdictions (add/remove), dashboard, regulatory-limits check, and audit-trail verification.

• api/src/app.ts — Added import of compliance routes and mounted at /api/compliance for legacy route access alongside the existing /api/v1/compliance path.

• api/src/__tests__/compliance.service.test.ts (new) — 49 tests across 9 describe blocks covering: sanctions, KYC, AML risk assessment, transaction compliance, SAR, reporting, audit trail, configuration, dashboard, and regulatory limits.

• api/src/middleware/complianceEnforcement.ts (new) — Reusable Express middleware that enforces sanctions screening, KYC verification, jurisdiction restrictions, regulatory limits, and AML risk checks on any route. Configurable via options: requireKyc, checkAml, skipLimits.

• api/docs/COMPLIANCE_FEATURES.md (new) — Comprehensive documentation covering all compliance features, API endpoints, configuration reference, database schema, event types, and middleware usage.

Why

The codebase had a skeletal compliance module with basic KYC, sanctions, and SAR filing, but it was critically incomplete for institutional use:

• AML integration was missing — No risk scoring, no monitoring, no automated detection of suspicious patterns (structuring, rapid movement, high-risk jurisdictions).
• Regulatory limits were not enforced — TransactionLimits interface existed but was never used; withinLimits was hardcoded to true; geoRestricted was hardcoded to false.
• Compliance reporting was incomplete — jurisdictionBreakdown was always empty {}; no event-type breakdown; no KYC/AML-specific metrics.
• Audit trail had no integrity guarantees — Events were logged but could be tampered with undetected; no hash chain.
• No compliance configuration — All thresholds were hardcoded; no way to set jurisdiction-specific limits, restrict jurisdictions, or toggle features at runtime.
• No compliance dashboard — No aggregated view of compliance status, risk distribution, or flagged addresses.
• No compliance tests — Zero test coverage for the entire compliance module.
• No compliance documentation — No reference for API consumers or operators.
• Compliance routes not mounted in app.ts — The v1 compliance routes existed but were not accessible via the legacy /api/compliance path.

This PR resolves all of the above, delivering the full set of compliance features required by institutional users.

Testing

• Unit tests updated or added — 49 new tests in compliance.service.test.ts covering all compliance features
• Relevant local checks passed — All 545 tests pass (48 test suites); zero TypeScript errors in compliance files
• Manual verification completed when needed — Verified tsc --noEmit shows no new errors; verified Jest full suite passes

Related Issues

Closes #— (Institutional users need compliance features — KYC/AML integration, compliance reporting, regulatory limits, compliance audit trail, compliance configuration, compliance dashboard, compliance documentation)

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