Derived Attributes

56 attributes with inputs, calculations, units, and availability rules.

An attribute is available only when its required inputs, observation window, and coverage rules are satisfied. Preserve the definition version with each calculation.

Banking

total_inflows

Total posted account inflows over a covered interval.

Property	Definition
Attribute ID	A001
Required inputs	bank_transaction.amount, direction, status
Calculation	Sum absolute amounts where direction=inflow and status=posted.
Unit	currency
Window / as-of	30, 90 or 365 complete days
Availability rule	Require complete selected-account coverage; calculate per currency.
Interpretation / exclusions	Includes loans and transfers; not revenue.
Origin	AMLOK derived
Definition version	1.4.2

total_outflows

Total posted account outflows.

Property	Definition
Attribute ID	A002
Required inputs	bank_transaction.amount, direction, status
Calculation	Sum amounts where direction=outflow and status=posted.
Unit	currency
Window / as-of	30, 90 or 365 complete days
Availability rule	Same account set and currency.
Interpretation / exclusions	Exclude pending and removed versions.
Origin	AMLOK derived
Definition version	1.4.2

net_cash_flow

Difference between inflows and outflows.

Property	Definition
Attribute ID	A003
Required inputs	total_inflows; total_outflows
Calculation	total_inflows - total_outflows
Unit	currency
Window / as-of	Same complete interval
Availability rule	Both inputs available for identical scope.
Interpretation / exclusions	Internal transfers cancel only when both legs are covered.
Origin	AMLOK derived
Definition version	1.4.2

operating_inflows

Classified operating cash receipts.

Property	Definition
Attribute ID	A004
Required inputs	bank_transaction.category, amount, direction
Calculation	Sum posted inflows classified sales_receipt; exclude debt, capital and internal transfers.
Unit	currency
Window / as-of	Monthly / trailing 90 days
Availability rule	Classification method and unexplained fraction disclosed.
Interpretation / exclusions	Cash receipts are not accrual revenue.
Origin	AMLOK derived
Definition version	1.4.2

operating_outflows

Classified operating payments.

Property	Definition
Attribute ID	A005
Required inputs	bank_transaction.category, amount, direction
Calculation	Sum posted payroll, operating_expense and operating tax outflows; exclude financing principal, distributions and internal transfers.
Unit	currency
Window / as-of	Monthly / trailing 90 days
Availability rule	Versioned classification and tax policy required.
Interpretation / exclusions	Keep interest and capital spending policy explicit.
Origin	AMLOK derived
Definition version	1.4.2

operating_cash_surplus

Operating receipts less operating payments.

Property	Definition
Attribute ID	A006
Required inputs	operating_inflows; operating_outflows
Calculation	operating_inflows - operating_outflows
Unit	currency
Window / as-of	Same interval
Availability rule	Both classifications and scope available.
Interpretation / exclusions	Not EBITDA or full accounting cash-flow statement.
Origin	AMLOK derived
Definition version	1.4.2

average_daily_balance

Average observed end-of-day asset balance.

Property	Definition
Attribute ID	A007
Required inputs	account_balance.current, as_of, balance_basis
Calculation	Sum complete daily closing depository balances / number of covered days.
Unit	currency
Window / as-of	30 or 90 days
Availability rule	Full daily observations or explicitly validated reconstruction.
Interpretation / exclusions	Do not treat one current balance as historical daily balances.
Origin	AMLOK derived
Definition version	1.4.2

minimum_daily_balance

Lowest daily closing balance.

Property	Definition
Attribute ID	A008
Required inputs	Daily account_balance.current
Calculation	Minimum over covered daily balances.
Unit	currency
Window / as-of	30 or 90 days
Availability rule	Same requirements as average_daily_balance.
Interpretation / exclusions	Keep account set and trust exclusions fixed.
Origin	AMLOK derived
Definition version	1.4.2

negative_balance_days

Count of days with negative operating cash balance.

Property	Definition
Attribute ID	A009
Required inputs	Daily depository balance
Calculation	Count complete days with selected operating-account balance below zero.
Unit	days
Window / as-of	30 or 90 days
Availability rule	Daily balances required.
Interpretation / exclusions	Credit balances owed are not overdrafts.
Origin	AMLOK derived
Definition version	1.4.2

nsf_event_count

Explicit insufficient-funds events.

Property	Definition
Attribute ID	A010
Required inputs	bank_transaction source return/fee labels
Calculation	Count deduplicated, explicitly identified NSF return events; count fee-only evidence separately.
Unit	count
Window / as-of	90 days
Availability rule	Provider-coded return or reviewed fee mapping.
Interpretation / exclusions	Do not infer NSF from any low balance or any generic fee.
Origin	AMLOK derived
Definition version	1.4.2

cashflow_volatility

Variation in comparable monthly operating receipts.

Property	Definition
Attribute ID	A011
Required inputs	Monthly operating_inflows
Calculation	Population standard deviation of monthly operating inflows / positive monthly mean.
Unit	ratio
Window / as-of	6 complete months
Availability rule	At least 6 comparable complete months; mean must be positive.
Interpretation / exclusions	Seasonality and short history affect interpretation.
Origin	AMLOK derived
Definition version	1.4.2

operating_inflow_change

Change in operating receipts against prior comparable interval.

Property	Definition
Attribute ID	A012
Required inputs	Two comparable operating_inflows
Calculation	(current - previous) / previous where previous > 0.
Unit	fraction
Window / as-of	Current 30 days vs previous 30 days
Availability rule	Equal coverage, account set and classification version.
Interpretation / exclusions	Return unavailable for zero denominator; do not silently label growth zero.
Origin	AMLOK derived
Definition version	1.4.2

cash_runway_days

Days of cash at recent net operating burn.

Property	Definition
Attribute ID	A013
Required inputs	Unrestricted cash; operating cash surplus
Calculation	Unrestricted cash / positive daily operating burn; null if business is not burning cash.
Unit	days
Window / as-of	90-day burn; current cash
Availability rule	Fresh cash plus complete 90-day classified flows.
Interpretation / exclusions	Not applicable for nonnegative surplus; no infinite numeric output.
Origin	AMLOK derived
Definition version	1.4.2

debt_service_cash_paid

Cash payments classified as debt service.

Property	Definition
Attribute ID	A014
Required inputs	bank_transaction.category; repayment allocations
Calculation	Sum matched principal + interest payments, deduplicating ledger and bank evidence.
Unit	currency
Window / as-of	Trailing 90 days
Availability rule	Debt payment classification or servicing allocations.
Interpretation / exclusions	Do not count bank record and loan repayment twice.
Origin	AMLOK derived
Definition version	1.4.2

unclassified_flow_ratio

Share of cash movements without a usable category.

Property	Definition
Attribute ID	A015
Required inputs	Bank amounts and classifications
Calculation	Absolute unclassified posted flow / all absolute posted flow.
Unit	fraction
Window / as-of	Same measurement interval
Availability rule	Positive total flow; return null on no activity.
Interpretation / exclusions	A high value limits cash-flow metric reliability.
Origin	AMLOK derived
Definition version	1.4.2

Payments

processed_payment_volume

Gross successful captured payment volume.

Property	Definition
Attribute ID	A016
Required inputs	payment.captured_amount, captured_at, status
Calculation	Sum captured amounts once per payment, excluding test and failed events.
Unit	currency
Window / as-of	Calendar month
Availability rule	Complete payment feed and test flags where supported.
Interpretation / exclusions	Keep refunds separate; do not sum processor ledger duplicates.
Origin	AMLOK derived
Definition version	1.4.2

net_payout_volume

Cash settled by processors or marketplaces.

Property	Definition
Attribute ID	A017
Required inputs	payout.net, status, paid_at
Calculation	Sum net paid payouts.
Unit	currency
Window / as-of	Calendar month
Availability rule	Paid settlement records with consistent timing.
Interpretation / exclusions	Payout volume can lag order and payment activity.
Origin	AMLOK derived
Definition version	1.4.2

refund_rate

Refunded value relative to captured value in a specified event window.

Property	Definition
Attribute ID	A018
Required inputs	Refund amounts; captured payment amounts
Calculation	Completed refund amount in interval / captured amount in same interval.
Unit	fraction
Window / as-of	Calendar month
Availability rule	Positive denominator; same currency and merchant scope.
Interpretation / exclusions	Event-window ratio is not a cohort refund probability.
Origin	AMLOK derived
Definition version	1.4.2

chargeback_rate

Disputed value relative to captured value.

Property	Definition
Attribute ID	A019
Required inputs	dispute.amount, opened_at; payment captured amounts
Calculation	New dispute amount in interval / captured payment amount in interval.
Unit	fraction
Window / as-of	Calendar month
Availability rule	Positive denominator and full dispute entitlement.
Interpretation / exclusions	Disputes can refer to older sales; distinguish event vs cohort measures.
Origin	AMLOK derived
Definition version	1.4.2

processor_fee_ratio

Reported processor fees per captured payment volume.

Property	Definition
Attribute ID	A020
Required inputs	processor_transaction.fee; processed_payment_volume
Calculation	Fee amounts for the interval / captured volume for same interval.
Unit	fraction
Window / as-of	Calendar month
Availability rule	Exclude reserves and financing charges unless policy includes them.
Interpretation / exclusions	Source fee timing may differ from capture timing.
Origin	AMLOK derived
Definition version	1.4.2

payout_reconciliation_ratio

Share of payout amount matched to bank evidence.

Property	Definition
Attribute ID	A021
Required inputs	payout.net; reconciliation_status
Calculation	Absolute paid payout amount matched / absolute paid payout amount in eligible scope.
Unit	fraction
Window / as-of	Calendar month
Availability rule	Bank and payout currencies and dates aligned.
Interpretation / exclusions	Unmatched may reflect timing, not missing funds.
Origin	AMLOK derived
Definition version	1.4.2

Commerce

order_sales_total

Value of accepted non-test, non-cancelled orders.

Property	Definition
Attribute ID	A022
Required inputs	order.total, placed_at, status, is_test
Calculation	Sum original order totals for the defined accepted-order population.
Unit	currency
Window / as-of	Calendar month
Availability rule	Complete order feed; tax/shipping convention stated.
Interpretation / exclusions	Not accounting revenue and not received cash.
Origin	AMLOK derived
Definition version	1.4.2

order_count

Count of accepted non-test orders.

Property	Definition
Attribute ID	A023
Required inputs	order.id, status, placed_at, is_test
Calculation	Count distinct accepted order IDs.
Unit	count
Window / as-of	Calendar month
Availability rule	Deduplicate overlapping POS and online feeds.
Interpretation / exclusions	Cancellations and edits need explicit inclusion policy.
Origin	AMLOK derived
Definition version	1.4.2

average_order_value

Mean accepted order amount.

Property	Definition
Attribute ID	A024
Required inputs	order_sales_total; order_count
Calculation	order_sales_total / order_count.
Unit	currency per order
Window / as-of	Calendar month
Availability rule	Order count > 0.
Interpretation / exclusions	Do not mix shop and presentment currency.
Origin	AMLOK derived
Definition version	1.4.2

customer_concentration

Largest customer share of invoiced sales.

Property	Definition
Attribute ID	A025
Required inputs	invoice.total, counterparty_id, issued_on
Calculation	Largest customer invoiced net-of-credit sales / total invoiced net-of-credit sales.
Unit	fraction
Window / as-of	12 complete months
Availability rule	Resolved customer IDs and positive net sales.
Interpretation / exclusions	Use consistent tax exclusion and credit-note allocation.
Origin	AMLOK derived
Definition version	1.4.2

Accounting

revenue

Reported accounting revenue for the stated basis.

Property	Definition
Attribute ID	A026
Required inputs	statement_line amounts mapped to revenue
Calculation	Sum leaf revenue accounts under reviewed mapping; exclude duplicated subtotals.
Unit	currency
Window / as-of	Reporting period
Availability rule	Complete report, reporting currency and basis.
Interpretation / exclusions	Never substitute gross bank deposits.
Origin	AMLOK derived
Definition version	1.4.2

gross_profit

Revenue less cost of goods sold.

Property	Definition
Attribute ID	A027
Required inputs	revenue; mapped cost_of_goods_sold
Calculation	Revenue - positive cost of goods sold.
Unit	currency
Window / as-of	Reporting period
Availability rule	Reviewed source chart mapping.
Interpretation / exclusions	Do not add subtotal and component accounts together.
Origin	AMLOK derived
Definition version	1.4.2

gross_margin

Gross profit as a share of revenue.

Property	Definition
Attribute ID	A028
Required inputs	gross_profit; revenue
Calculation	gross_profit / revenue where revenue > 0.
Unit	fraction
Window / as-of	Reporting period
Availability rule	Same period and basis.
Interpretation / exclusions	Unavailable for nonpositive revenue.
Origin	AMLOK derived
Definition version	1.4.2

ebitda

Earnings before interest, tax, depreciation and amortization under stated method.

Property	Definition
Attribute ID	A029
Required inputs	Net income; interest expense; income tax; depreciation; amortization
Calculation	Net income + interest expense + income tax expense + depreciation + amortization, without duplicated add-backs.
Unit	currency
Window / as-of	12 months or supplied period
Availability rule	All components must be separately available.
Interpretation / exclusions	Label adjustments separately; do not infer unsupported add-backs.
Origin	AMLOK derived
Definition version	1.4.2

net_margin

Net accounting income as a share of revenue.

Property	Definition
Attribute ID	A030
Required inputs	Net income; revenue
Calculation	Net income / revenue where revenue > 0.
Unit	fraction
Window / as-of	Reporting period
Availability rule	Comparable statement and positive revenue.
Interpretation / exclusions	Do not mix consolidated income and single-entity revenue.
Origin	AMLOK derived
Definition version	1.4.2

current_ratio

Current assets relative to current liabilities.

Property	Definition
Attribute ID	A031
Required inputs	Mapped balance-sheet current assets/liabilities
Calculation	Current assets / current liabilities where liabilities > 0.
Unit	ratio
Window / as-of	Balance-sheet as-of date
Availability rule	Complete classified balance sheet.
Interpretation / exclusions	Zero liability denominator is not numeric infinity.
Origin	AMLOK derived
Definition version	1.4.2

quick_ratio

Liquid current assets relative to current liabilities.

Property	Definition
Attribute ID	A032
Required inputs	Cash; short-term liquid investments; net trade receivables; current liabilities
Calculation	(Cash + liquid short-term investments + net trade receivables) / current liabilities.
Unit	ratio
Window / as-of	Balance-sheet as-of date
Availability rule	Reviewed account mapping and positive denominator.
Interpretation / exclusions	Exclude inventory and prepaid expenses.
Origin	AMLOK derived
Definition version	1.4.2

working_capital

Current assets less current liabilities.

Property	Definition
Attribute ID	A033
Required inputs	Current assets; current liabilities
Calculation	Current assets - current liabilities.
Unit	currency
Window / as-of	Balance-sheet as-of date
Availability rule	Same entity and date.
Interpretation / exclusions	Restricted or trust assets must remain separately identifiable.
Origin	AMLOK derived
Definition version	1.4.2

debt_to_equity

Interest-bearing debt relative to book equity.

Property	Definition
Attribute ID	A034
Required inputs	Mapped interest-bearing debt; total equity
Calculation	Interest-bearing debt / total equity where equity > 0.
Unit	ratio
Window / as-of	Balance-sheet as-of date
Availability rule	Reviewed debt definition and positive equity.
Interpretation / exclusions	Negative equity is separately flagged, not converted to a normal ratio.
Origin	AMLOK derived
Definition version	1.4.2

receivables_overdue

Open receivables past contractual due dates.

Property	Definition
Attribute ID	A035
Required inputs	invoice.amount_due, due_on, status
Calculation	Sum positive outstanding invoices with due_on before as_of date.
Unit	currency
Window / as-of	As-of date
Availability rule	Complete open-invoice population and due dates.
Interpretation / exclusions	Source balance must be contemporaneous; missing due dates are separate.
Origin	AMLOK derived
Definition version	1.4.2

receivables_overdue_ratio

Overdue balance as a share of open receivables.

Property	Definition
Attribute ID	A036
Required inputs	receivables_overdue; all open receivables
Calculation	Overdue open balance / total positive open receivables.
Unit	fraction
Window / as-of	As-of date
Availability rule	Positive denominator and complete open ledger.
Interpretation / exclusions	Do not include void or fully credited invoices.
Origin	AMLOK derived
Definition version	1.4.2

receivables_aging

Receivable balances in defined overdue buckets.

Property	Definition
Attribute ID	A037
Required inputs	invoice.amount_due, due_on
Calculation	Sum by not_due, 1_30, 31_60, 61_90, 91_plus days overdue; produce separate keyed attributes.
Unit	currency
Window / as-of	As-of date
Availability rule	Complete dates and outstanding balances.
Interpretation / exclusions	Buckets use due date, not issue date.
Origin	AMLOK derived
Definition version	1.4.2

payables_overdue

Unpaid supplier bills beyond due date.

Property	Definition
Attribute ID	A038
Required inputs	bill.amount_due, due_on, status
Calculation	Sum positive outstanding bills with due_on before as_of.
Unit	currency
Window / as-of	As-of date
Availability rule	Complete open-bill population.
Interpretation / exclusions	Do not infer unpaid tax from all supplier arrears.
Origin	AMLOK derived
Definition version	1.4.2

days_sales_outstanding

Receivables collection estimate.

Property	Definition
Attribute ID	A039
Required inputs	Average net trade receivables; credit sales
Calculation	Average opening/closing net trade receivables / period credit sales × period days.
Unit	days
Window / as-of	Quarter or year
Availability rule	Both balance observations and credit-sales denominator.
Interpretation / exclusions	Total revenue is not an interchangeable substitute for credit sales.
Origin	AMLOK derived
Definition version	1.4.2

days_payable_outstanding

Supplier payment estimate.

Property	Definition
Attribute ID	A040
Required inputs	Average trade payables; credit purchases
Calculation	Average opening/closing trade payables / credit purchases × period days.
Unit	days
Window / as-of	Quarter or year
Availability rule	Both balance observations and purchase denominator.
Interpretation / exclusions	Do not silently replace purchases with COGS.
Origin	AMLOK derived
Definition version	1.4.2

Inventory

owned_inventory_value

Book value of borrower-owned stock.

Property	Definition
Attribute ID	A041
Required inputs	inventory_balance.carrying_value, ownership_type
Calculation	Sum owned stock value once by item, location, owner and observation.
Unit	currency
Window / as-of	As-of timestamp
Availability rule	Known ownership and costing basis.
Interpretation / exclusions	Exclude client stock in a third-party warehouse.
Origin	AMLOK derived
Definition version	1.4.2

inventory_turnover

Cost-based turnover for a reporting period.

Property	Definition
Attribute ID	A042
Required inputs	COGS; average owned inventory value
Calculation	Period COGS / mean opening and closing owned inventory value.
Unit	times per period
Window / as-of	Quarter or year
Availability rule	Positive inventory denominator and aligned cost basis.
Interpretation / exclusions	Not sales divided by stock units.
Origin	AMLOK derived
Definition version	1.4.2

days_inventory_outstanding

Days of inventory at the cost rate.

Property	Definition
Attribute ID	A043
Required inputs	Average inventory; COGS
Calculation	Average inventory / positive period COGS × period days.
Unit	days
Window / as-of	Quarter or year
Availability rule	Aligned owned inventory values and COGS.
Interpretation / exclusions	Unavailable when cost values or history are missing.
Origin	AMLOK derived
Definition version	1.4.2

inventory_aging_90_plus

Owned stock remaining more than 90 days after receipt.

Property	Definition
Attribute ID	A044
Required inputs	Lot-level remaining quantity; receipt dates; unit costs
Calculation	Value remaining from lots whose evidenced receipt date is more than 90 days before as_of.
Unit	currency
Window / as-of	As-of date
Availability rule	Lot/cost-flow tracking and receipt history.
Interpretation / exclusions	Current snapshot alone cannot establish age.
Origin	AMLOK derived
Definition version	1.4.2

cash_conversion_cycle

Inventory days plus collection days less payment days.

Property	Definition
Attribute ID	A045
Required inputs	DSO; DIO; DPO
Calculation	days_sales_outstanding + days_inventory_outstanding - days_payable_outstanding.
Unit	days
Window / as-of	Same reporting period
Availability rule	All three metrics defined on compatible period and population.
Interpretation / exclusions	Unavailable if any input is missing.
Origin	AMLOK derived
Definition version	1.4.2

Lending

dscr

Cash available for debt service relative to scheduled service.

Property	Definition
Attribute ID	A046
Required inputs	Policy-defined cash available; scheduled principal and interest
Calculation	Cash available for debt service / scheduled principal plus interest due for identical period.
Unit	ratio
Window / as-of	Trailing or forecast 12 months
Availability rule	Institution definition and full debt schedule required.
Interpretation / exclusions	If EBITDA is a proxy, label EBITDA DSCR explicitly; not actual cash DSCR.
Origin	AMLOK derived
Definition version	1.4.2

loan_to_value

Secured debt relative to supported collateral value.

Property	Definition
Attribute ID	A047
Required inputs	Relevant secured debt; collateral valuation
Calculation	Debt included under lender policy / eligible collateral valuation.
Unit	fraction
Window / as-of	Valuation as-of date
Availability rule	Current appraisal, liens and debt scope; positive value.
Interpretation / exclusions	Book inventory value is not an independent appraisal.
Origin	AMLOK derived
Definition version	1.4.2

facility_utilization

Drawn exposure as a share of the approved limit.

Property	Definition
Attribute ID	A048
Required inputs	credit_facility.drawn_amount, approved_limit
Calculation	Drawn amount / approved limit where limit > 0.
Unit	fraction
Window / as-of	As-of date
Availability rule	Same currency and facility.
Interpretation / exclusions	Can exceed 1; do not clamp away over-limit exposure.
Origin	AMLOK derived
Definition version	1.4.2

debt_to_income

Monthly contractual debt obligation relative to verified monthly gross income.

Property	Definition
Attribute ID	A049
Required inputs	Verified gross income; complete monthly debt schedule
Calculation	Monthly scheduled debt service / monthly gross income.
Unit	fraction
Window / as-of	Same monthly basis
Availability rule	Permitted consumer use, gross income and full debt scope.
Interpretation / exclusions	Net bank deposits are not verified gross income.
Origin	AMLOK derived
Definition version	1.4.2

portfolio_delinquency_ratio

Outstanding principal in loans above a chosen delinquency threshold.

Property	Definition
Attribute ID	A050
Required inputs	loan.outstanding_principal, days_past_due, as_of
Calculation	Principal of eligible loans with DPD >= specified threshold / total eligible outstanding principal.
Unit	fraction
Window / as-of	Single as-of date
Availability rule	Consistent DPD policy, currency and complete portfolio.
Interpretation / exclusions	Declare threshold such as 30; distinguish from borrower count ratio.
Origin	AMLOK derived
Definition version	1.4.2

borrowing_base

Eligible assets after contractual advance rates and reserves.

Property	Definition
Attribute ID	A051
Required inputs	Eligible receivables/inventory; contractual advance rates; reserves
Calculation	Sum eligible asset values × applicable rates - contractual reserves.
Unit	currency
Window / as-of	As-of date
Availability rule	Documented eligibility, ownership, concentration limits and covenants.
Interpretation / exclusions	No automatic credit-limit change; requires institutional decision.
Origin	AMLOK derived
Definition version	1.4.2

Liens

active_lien_count

Active filings within completed, reviewed search scope.

Property	Definition
Attribute ID	A052
Required inputs	lien.status, filing_number, jurisdiction, match_disposition
Calculation	Count unique active registry+filing records with accepted debtor matches.
Unit	count
Window / as-of	Search effective scope
Availability rule	Completed jurisdiction scope and match review.
Interpretation / exclusions	Zero results is not proof of no liens elsewhere.
Origin	AMLOK derived
Definition version	1.4.2

lien_expiry_days

Days to an explicitly reported lapse date.

Property	Definition
Attribute ID	A053
Required inputs	lien.lapse_on
Calculation	lapse_on - as_of_date in calendar days.
Unit	days
Window / as-of	Search as-of date
Availability rule	Known lapse date and current amendment chain.
Interpretation / exclusions	Do not mechanically add five years to all filings.
Origin	AMLOK derived
Definition version	1.4.2

Identity

business_age_months

Elapsed completed months since formation.

Property	Definition
Attribute ID	A054
Required inputs	business.incorporation_date
Calculation	Completed calendar months between formation and as_of date.
Unit	months
Window / as-of	As-of date
Availability rule	Verified formation date.
Interpretation / exclusions	Not the same as operating history or bank-account age.
Origin	AMLOK derived
Definition version	1.4.2

Risk

evidence_freshness_days

Age of the oldest required observation in an assessment.

Property	Definition
Attribute ID	A055
Required inputs	Required source observation timestamps
Calculation	Maximum(as_of_time - required observed_at) expressed in days.
Unit	days
Window / as-of	Assessment cutoff
Availability rule	Defined required-source manifest.
Interpretation / exclusions	Use source effective time separately when retrieval can return stale records.
Origin	AMLOK derived
Definition version	1.4.2

material_risk_change

Policy-defined change against the original assessment.

Property	Definition
Attribute ID	A056
Required inputs	Comparable risk snapshots and versioned monitor rules
Calculation	Evaluate each configured threshold on aligned attributes; return boolean with reasons.
Unit	boolean
Window / as-of	Baseline vs current
Availability rule	Comparable policy/model version or explicit migration.
Interpretation / exclusions	Do not treat missing refreshed evidence as improved risk.
Origin	AMLOK derived
Definition version	1.4.2