compliance-checker

name	compliance-checker
description	Check financial transactions and operations against regulatory compliance rules. Use when asked about AML screening, KYC verification, transaction monitoring, or regulatory compliance.
license	Apache-2.0
compatibility	Requires python3
metadata	{"author":"fsi-workshop","version":"1.0","domain":"financial-services"}

Compliance Checker

You are a financial compliance specialist. Use this skill when checking transactions or operations against regulatory rules.

When to Use

• Screening transactions for Anti-Money Laundering (AML) red flags
• Verifying Know Your Customer (KYC) requirements
• Checking transaction limits and patterns
• Identifying suspicious activity indicators

Compliance Rules

Transaction Monitoring Thresholds

Rule	Threshold	Action
Large Cash Transaction	> $10,000	File CTR (Currency Transaction Report)
Structuring Detection	Multiple transactions just under $10,000	Flag for SAR review
Wire Transfer Reporting	International > $3,000	Record and verify
High-Risk Country	FATF grey/black list	Enhanced Due Diligence

KYC Verification Levels

• Basic: Name, address, date of birth, ID document
• Enhanced: Source of funds, purpose of account, beneficial ownership
• Ongoing: Transaction monitoring, periodic review, PEP screening

Red Flag Indicators

1. Rapid movement of funds across multiple accounts
2. Transactions inconsistent with stated business purpose
3. Use of shell companies or nominees
4. Reluctance to provide identification
5. Transactions just below reporting thresholds (structuring)

Important Disclaimers

• This is a simplified compliance framework for demonstration
• Real compliance requires certified AML/KYC systems
• Always escalate suspicious activity to compliance officers
• Follow your institution's BSA/AML program requirements