| 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.
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. |
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
- Frame. Map the request to the relevant Financial Services Industry regulator / standard.
- Gather. Pull current-state evidence — filings, prior audits, interviews.
- Score. Apply the standard rubric (don't invent one).
- Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
- 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
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
- Frame. Map the request to the relevant Financial Services Industry regulator / standard.
- Gather. Pull current-state evidence — filings, prior audits, interviews.
- Score. Apply the standard rubric (don't invent one).
- Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
- 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
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
- Frame. Map the request to the relevant Financial Services Industry regulator / standard.
- Gather. Pull current-state evidence — filings, prior audits, interviews.
- Score. Apply the standard rubric (don't invent one).
- Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
- 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
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
- Frame. Map the request to the relevant Financial Services Industry regulator / standard.
- Gather. Pull current-state evidence — filings, prior audits, interviews.
- Score. Apply the standard rubric (don't invent one).
- Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
- 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
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
- Frame. Map the request to the relevant Financial Services Industry regulator / standard.
- Gather. Pull current-state evidence — filings, prior audits, interviews.
- Score. Apply the standard rubric (don't invent one).
- Synthesize. Author deliverable with severity-ranked gaps + remediation plan.
- 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
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 |
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 generationassets/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 |
