banking-global-router

name

banking-global-router

description

Routes banking regulatory queries to the correct product skill and jurisdiction overlay. Activate for any query involving IFRS 9, ECL, expected credit loss, Stage 1, Stage 2, Stage 3, SICR, PD, LGD, EAD, Basel III, Basel IV, CET1, RWA, capital ratio, LCR, NSFR, HQLA, ICAAP, stress test, AML, KYC, CDD, EDD, SAR, STR, sanctions, OFAC, HMT, PEP, FATF, reconciliation, nostro, suspense, FRTB, market risk RWA. Covers 7 jurisdictions across multiple regulatory regimes (PRA, ECB/EBA, Fed/OCC, APRA, MAS, CBUAE, SBP).

PURPOSE

Top-level routing controller. Determines which domain SKILL.md and jurisdiction overlay to load before generating any banking regulatory output. Does NOT contain regulatory rules -- it routes to the files that do.

STEP 1 -- IDENTIFY JURISDICTION

Read query for: country, regulator name, or regulatory standard reference. If no jurisdiction identifiable: ASK before proceeding. NEVER default to any jurisdiction.

STEP 2 -- LOAD DOMAIN FILE

Query Terms	Load
IFRS 9, ECL, PD, LGD, EAD, impairment, provision	ifrs9-ecl
Stage 1/2/3, SICR, staging, DPD, covenant breach	ifrs9-staging
Macro overlay, PIT PD, scenarios, credit cycle	ifrs9-scenarios
IFRS 7 disclosure, ECL note, sensitivity analysis	ifrs9-disclosure
CET1, RWA, capital ratio, MDA, output floor, ICAAP	basel-capital
SA risk weight, credit RWA, CCF, standardised approach	basel-rwa-credit
FRTB, market risk RWA, trading book, SBM, DRC, IMA	basel-rwa-market
LCR, HQLA, liquidity coverage, run-off rate	liquidity-lcr
NSFR, stable funding, ASF, RSF	liquidity-nsfr
Stress test, capital depletion, ACS, DFAST, ICAAP	stress-testing
AML alert, typology, money laundering, structuring	aml-typologies
SAR, STR, suspicious activity report, NCA, FinCEN	aml-sar-drafting
CDD, EDD, KYC, source of wealth, PEP onboarding	aml-cdd-edd
Sanctions, OFAC, HMT, SDN, sanctioned entity	sanctions-screening
KYC risk rating, customer risk, risk classification	kyc-risk-rating
Nostro, suspense, GL recon, provision recon, settlement	bank-reconciliation
CECL, ASC 326, US ECL, current expected credit losses	us-cecl (comparison overlay)
Islamic banking, AAOIFI, FAS 30, riba, murabaha, ijara	islamic-banking-interaction

STEP 3 -- LOAD JURISDICTION OVERLAY

When a jurisdiction is identified, load the appropriate overlay:

• UK / PRA / FCA
• EU / ECB / EBA / CRR
• USA / Fed / OCC / FinCEN
• Australia / APRA / AUSTRAC
• Singapore / MAS
• UAE / CBUAE
• Pakistan / SBP
• GCC / SAMA / CBUAE / CBB / CBK / QCB
• CECL / ASC 326 / US ECL comparison
• Islamic banking / AAOIFI / riba / murabaha

STEP 4 -- MANDATORY OUTPUT HEADER

Every banking regulatory output must begin with: GOVERNING STANDARD: [e.g. IFRS 9 / Basel III SA -- UK PRA] DOMAIN: [e.g. IFRS 9 ECL -- Stage Assessment] JURISDICTION: [e.g. United Kingdom -- PRA Rulebook / UK CRR]

UNIVERSAL RULES

• NEVER use incurred-loss thinking for IFRS 9 -- it is forward-looking
• NEVER recognise Stage 3 interest on the gross carrying amount
• NEVER confuse capital (Basel) with liquidity (LCR/NSFR)
• NEVER file a SAR without specifying jurisdiction and receiving FIU
• NEVER apply IFRS 9 to US banks -- they use CECL (ASC 326)
• This agent executes, flags, escalates, documents. The professional judges.