Pension account identifiers

Name: Pension account identifiers
Creator: TestPattern Community
License: https://opensource.org/licenses/MIT

Detects pension, annuity and retirement income stream account identifiers: a labelled pension/annuity/policy/member number with a populated value, optionally with the account holder name or date of birth.

Type: regex
Engine: boost_regex
Confidence: medium
Confidence justification: Medium: pension and annuity account numbers are customer-defined with no public format, so the classifier anchors on a labelled account/member/policy number containing a digit (placeholder-guarded) near a pension phrase for 75, and adds a populated holder name or date of birth plus independent corroboration for 85. 85/75 are heuristic evidence tiers, not measured accuracy.
Detection quality: Topic false positive
Jurisdictions: global
Regulations: Superannuation Industry (Supervision) Act 1993 (Cth), Privacy Act 1988 (Cth), Information Privacy Act 2009 (Qld), GDPR
Frameworks: ISO 27001, ISO 27701
Data categories: financial, pii
Scope: wide
Risk rating: 4
Platform compatibility: Purview: Compatible, GCP DLP: Compatible, Macie: Compatible, Zscaler: Compatible, Palo Alto: Degraded, Netskope: Unsupported

Pattern

(?i)\b(?:pension\s+account\s+identifiers?|(?:pension|annuity|retirement\s+income|account[\s-]based\s+pension|income\s+stream)\s+(?:account|member(?:ship)?|policy|scheme|plan|reference)(?:\s+(?:number|no\.?|ID|identifier|reference))?|pension\s+(?:number|reference\s+number))\b

Corroborative evidence keywords

income stream, drawdown, nominated bank account, payment frequency, rollover, fund, annuity, preservation

Proximity: 300 characters

Should match

Account-based pension account details Member name: Avery Teston Date of birth: 14/03/1958 Pension account number: AP-7730412 Payment frequency: monthly to the nominated bank account. — 85: account-based pension details with member name, DOB, account number and payment frequency
Annuity policy number: ANN-0048812 Policyholder: Morgan Teston Income stream commenced 01/07/2024; annual drawdown confirmed. — 85: annuity policy number with policyholder and drawdown
Pension scheme reference: PSR-551902 Please quote this reference in all correspondence. — 75: pension scheme reference with populated value, no holder
pension account identifier — 65: bare phrase only - discovery tier

Should not match

Keep your pension account number safe and never share it. This fact sheet explains how to find your member number. — Consumer guidance - must stay at or below 65
Pension account number: __________ Member name: __________ Date of birth: __/__/____ — Blank form - must stay at or below 65
Pension account number: N/A Policyholder: TBC — Placeholder values - must stay at or below 65
unrelated generic text without domain phrases — No relevant topic phrases present

Known false positives

Policies, procedures, regulator guidance, fact sheets and training material that name the record type. Mitigation: Enforce tiers require populated fields; guidance has labels without values, and policy/guidance/training/media-release framing is excluded by the NOT-group.
Blank forms, templates and system configuration screens. Mitigation: Blank lines, bracket placeholders, XXX and n/a/tbc values are rejected by the placeholder guard; template/fixture words are excluded by template-exclusion.
Generic "account number" or "reference number" labels near an unrelated pension mention. Mitigation: The pension phrase must be within 300 characters and the value must contain a digit; 85 needs a populated holder and corroboration.
Overlap with superannuation identifiers (global-top500-096) and au-superannuation-fund-number. Mitigation: This pattern covers pension/annuity/income stream accounts; super fund identifiers (USI, fund ABN, SMSF ESA) are handled by global-top500-096.