finserv

name

finserv

description

Financial Services Industry skills — aml readiness, kyc program design, basel iii gap, payments modernization, and more. Apply when the engagement industry is financial services industry or the consultant references banking, insurance, fintech, or works with banks, insurance companies, asset managers, or fintech organizations. Covers regulations, core systems, and industry-specific considerations.

FINSERV — Financial Services Industry

Industry overview

Code: FINSERV Description: Banking / insurance / fintech engagements — AML, KYC, Basel III, payments modernization, fraud programs.

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Skills index

#	Skill	Command	Purpose
1	AML Readiness	/cps-ind-finserv:aml-readiness	Assess AML program maturity (transaction monitoring, sanctions screening, SAR filing) against FATF and local regulator expectations.
2	KYC Program Design	/cps-ind-finserv:kyc-program	Design or refresh KYC program: customer risk rating, EDD triggers, ongoing monitoring.
3	Basel III Gap	/cps-ind-finserv:basel-iii-gap	Map current capital, liquidity, and leverage ratios against Basel III requirements (CET1, LCR, NSFR).
4	Payments Modernization	/cps-ind-finserv:payments-modernization	Assess payment rails (ACH, RTP, ISO 20022) and design modernization roadmap.
5	Fraud Program	/cps-ind-finserv:fraud-program	Assess fraud detection program (rules + ML), false-positive rates, customer impact.

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Skill 1: AML Readiness

Command: /cps-ind-finserv:aml-readiness

Purpose

Assess AML program maturity (transaction monitoring, sanctions screening, SAR filing) against FATF and local regulator expectations.

Inputs required

client:
  name: "Client Name"
  industry: "finserv"
context:
  in_scope: ["explicit scope items"]
  constraints: ["regulatory deadlines", "stakeholder commitments"]
references:
  - "Prior deliverable / regulator filings"
  - "Peer benchmarks"

Methodology

1. Frame. Map the request to the relevant Financial Services Industry regulator / standard.
2. Gather. Pull current-state evidence — filings, prior audits, interviews.
3. Score. Apply the standard rubric (don't invent one).
4. Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
5. Validate. Run /cps:verify-quality and address all flagged items.

Output shape

A CPS-branded AML Readiness deliverable in 05_Deliverables_Final/. Pyramid-Principle structured, sourced, and reviewed.

Quality checklist

• AML findings reference FATF recommendation numbers and local regulator (FinCEN, FCA, MAS, SAMA, etc.)
• KYC program tiered by customer risk; EDD triggers documented
• Basel III ratios computed with explicit RWA methodology

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Skill 2: KYC Program Design

Command: /cps-ind-finserv:kyc-program

Purpose

Design or refresh KYC program: customer risk rating, EDD triggers, ongoing monitoring.

Inputs required

client:
  name: "Client Name"
  industry: "finserv"
context:
  in_scope: ["explicit scope items"]
  constraints: ["regulatory deadlines", "stakeholder commitments"]
references:
  - "Prior deliverable / regulator filings"
  - "Peer benchmarks"

Methodology

1. Frame. Map the request to the relevant Financial Services Industry regulator / standard.
2. Gather. Pull current-state evidence — filings, prior audits, interviews.
3. Score. Apply the standard rubric (don't invent one).
4. Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
5. Validate. Run /cps:verify-quality and address all flagged items.

Output shape

A CPS-branded KYC Program Design deliverable in 05_Deliverables_Final/. Pyramid-Principle structured, sourced, and reviewed.

Quality checklist

• AML findings reference FATF recommendation numbers and local regulator (FinCEN, FCA, MAS, SAMA, etc.)
• KYC program tiered by customer risk; EDD triggers documented
• Basel III ratios computed with explicit RWA methodology

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Skill 3: Basel III Gap

Command: /cps-ind-finserv:basel-iii-gap

Purpose

Map current capital, liquidity, and leverage ratios against Basel III requirements (CET1, LCR, NSFR).

Inputs required

client:
  name: "Client Name"
  industry: "finserv"
context:
  in_scope: ["explicit scope items"]
  constraints: ["regulatory deadlines", "stakeholder commitments"]
references:
  - "Prior deliverable / regulator filings"
  - "Peer benchmarks"

Methodology

1. Frame. Map the request to the relevant Financial Services Industry regulator / standard.
2. Gather. Pull current-state evidence — filings, prior audits, interviews.
3. Score. Apply the standard rubric (don't invent one).
4. Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
5. Validate. Run /cps:verify-quality and address all flagged items.

Output shape

A CPS-branded Basel III Gap deliverable in 05_Deliverables_Final/. Pyramid-Principle structured, sourced, and reviewed.

Quality checklist

• AML findings reference FATF recommendation numbers and local regulator (FinCEN, FCA, MAS, SAMA, etc.)
• KYC program tiered by customer risk; EDD triggers documented
• Basel III ratios computed with explicit RWA methodology

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Skill 4: Payments Modernization

Command: /cps-ind-finserv:payments-modernization

Purpose

Assess payment rails (ACH, RTP, ISO 20022) and design modernization roadmap.

Inputs required

client:
  name: "Client Name"
  industry: "finserv"
context:
  in_scope: ["explicit scope items"]
  constraints: ["regulatory deadlines", "stakeholder commitments"]
references:
  - "Prior deliverable / regulator filings"
  - "Peer benchmarks"

Methodology

1. Frame. Map the request to the relevant Financial Services Industry regulator / standard.
2. Gather. Pull current-state evidence — filings, prior audits, interviews.
3. Score. Apply the standard rubric (don't invent one).
4. Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
5. Validate. Run /cps:verify-quality and address all flagged items.

Output shape

A CPS-branded Payments Modernization deliverable in 05_Deliverables_Final/. Pyramid-Principle structured, sourced, and reviewed.

Quality checklist

• AML findings reference FATF recommendation numbers and local regulator (FinCEN, FCA, MAS, SAMA, etc.)
• KYC program tiered by customer risk; EDD triggers documented
• Basel III ratios computed with explicit RWA methodology

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Skill 5: Fraud Program

Command: /cps-ind-finserv:fraud-program

Purpose

Assess fraud detection program (rules + ML), false-positive rates, customer impact.

Inputs required

client:
  name: "Client Name"
  industry: "finserv"
context:
  in_scope: ["explicit scope items"]
  constraints: ["regulatory deadlines", "stakeholder commitments"]
references:
  - "Prior deliverable / regulator filings"
  - "Peer benchmarks"

Methodology

1. Frame. Map the request to the relevant Financial Services Industry regulator / standard.
2. Gather. Pull current-state evidence — filings, prior audits, interviews.
3. Score. Apply the standard rubric (don't invent one).
4. Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
5. Validate. Run /cps:verify-quality and address all flagged items.

Output shape

A CPS-branded Fraud Program deliverable in 05_Deliverables_Final/. Pyramid-Principle structured, sourced, and reviewed.

Quality checklist

• AML findings reference FATF recommendation numbers and local regulator (FinCEN, FCA, MAS, SAMA, etc.)
• KYC program tiered by customer risk; EDD triggers documented
• Basel III ratios computed with explicit RWA methodology

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Industry Context (merged from financial-services skill)

Industry Characteristics

Characteristic	Description
Regulatory Intensity	Heavily regulated, multiple supervisors
Risk Culture	Risk management embedded in operations
Data Sensitivity	PII, financial data, transaction records
Technology Dependency	Real-time processing, high availability
Competitive Dynamics	Traditional vs. fintech disruption
Trust Imperative	Reputation and customer trust critical

Regulatory Landscape (US Reference)

Regulator	Scope
OCC	National banks
Federal Reserve	Bank holding companies, state member banks
FDIC	Deposit insurance, state non-member banks
CFPB	Consumer financial protection
SEC	Securities markets, investment advisers
FINRA	Broker-dealers
CFTC	Derivatives, commodities
State regulators	State-chartered institutions, insurance (NAIC model regs)

Key regulations: Basel III/IV (capital), Dodd-Frank (systemic risk, consumer protection), BSA/AML, GLBA (privacy), SOX (financial reporting controls), PCI-DSS (payment card security). See references/regulatory-framework.md for detail.

Core Systems Landscape

Domain	Systems
Core Banking	Core banking platform, payments hub, lending platform, treasury management, trade finance
Capital Markets	Trading platform, risk management (VaR, exposure), portfolio management, settlement/custody, market data
Insurance	Policy administration, claims management, underwriting, actuarial, agency management
Enterprise	CRM, data warehouse, GRC, document management, HR/finance

Key Stakeholders

Executive: CEO, CFO, CRO, CIO/CTO, CCO. Business lines: retail banking, commercial banking, wealth management, capital markets, insurance products. Risk & compliance: enterprise/credit/market/operational risk, compliance. Regulators: primary regulator, examination teams, state regulators.

Common Engagement Types

Type	Examples
Digital Transformation	Core modernization, digital channels, data analytics/AI, open banking/APIs, cloud migration
Risk & Compliance	Regulatory remediation, AML/BSA program, model risk management, third-party risk, operational resilience
Strategic	Market expansion, M&A integration, product strategy, customer experience, fintech partnership

Engagement Considerations

• Regulatory scrutiny: examination cycles, consent orders, MRAs/MRIAs, regulatory reporting, model validation, change management documentation.
• Risk management: three lines of defense, risk appetite framework, model governance, vendor risk, business continuity.
• Technology constraints: legacy system complexity, 24/7 availability, real-time processing, data security, audit trails.

Terminology Quick Reference

Term	Definition
AUM	Assets Under Management
NIM	Net Interest Margin
NPL	Non-Performing Loans
LTV	Loan-to-Value
CAR	Capital Adequacy Ratio
VaR	Value at Risk
KYC	Know Your Customer
AML	Anti-Money Laundering
MRA	Matter Requiring Attention
MRIA	Matter Requiring Immediate Attention

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Cross-skill workflows

Discovery → /cps-ind-finserv:aml-readiness → /cps-ind-finserv:kyc-program → Recommendations

Integration with other CPS plugins

Plugin	Integration point
cps	Cross-cutting skills + brain commands
cps-iso	Companion certification work
cps-risk	Industry risks roll into enterprise register
cps-ai-regs	Track regulatory horizon for this sector

Templates & artifacts

All deliverables use standard CPS branding via:

• /document-generation for document generation
• assets/cps-branding.json for styling

Skill	Primary artifact	Format
/cps-ind-finserv:aml-readiness	AML Readiness Report	DOCX/PDF
/cps-ind-finserv:kyc-program	KYC Program Design Report	DOCX/PDF
/cps-ind-finserv:basel-iii-gap	Basel III Gap Report	DOCX/PDF
/cps-ind-finserv:payments-modernization	Payments Modernization Report	DOCX/PDF
/cps-ind-finserv:fraud-program	Fraud Program Report	DOCX/PDF