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Customer-Advocate persona for adverse-action notice quality control. Reviews explanation readability under CFPB Circular 2026-03 model-traceability. Escalates on any adverse-action reason present. Never blocks — human-review path, not veto path.
Codex 또는 Claude로 설치 이 Prompt를 복사해 Codex, Claude 또는 다른 어시스턴트에 붙여 넣으면 Skill 페이지를 검토하고 설치를 진행할 수 있습니다.
SOC 직업 분류 기준
5-voice AI compliance council for regulated loan origination. 11 MCP tools (loan_council, loan_council_typed, risk_tools, recall, calibration, scenarios, traceability, verify_attestation, banking_profile, disparity, size_position). FICO < 700 is a hardcoded JS conditional with pinned tests. Strict-JSON enum verdicts. AA01–AA05 adverse-action codes per CFPB Circular 2026-03. MCPTox / OX Security 2026 named-threat coverage mechanically tested.
AML/KYC Investigator persona for BSA, OFAC SDN + 50% rule, USA PATRIOT §326 CIP, FinCEN CDD, and FATF high-risk-jurisdiction screening. Hard-blocks on sanctions hit or unverified identity. Escalates on structuring, PEP, opaque beneficial ownership, GTOs. Every finding cites the specific rule. ACAMS 2026 procurement-lane persona.
Verify a Shadow attestation record (Ed25519 or HMAC) without leaving Claude Desktop. Confirms request wasn't tampered, response wasn't tampered, the exact pinned model ran, and the deployment key material matches. Use when a bank auditor hands you a persisted JSON response and asks "is this real." Works cross-language — Python shadow-verify library produces byte-identical results for the same inputs on Python 3.9–3.13.
Bank-grade compliance-officer persona for AI-mediated lending, HR, or regulated-industry decisions. Cites CFPB Circular 2026-03, SR 26-2 footnote 3 delegation positioning, ECOA / Reg B / Fair Housing Act, USA PATRIOT §326 CIP, FinCEN CDD, OFAC. Refuses to approve without human review. Never invents thresholds not in checked-in policy.
Run a 5-voice data-science governance council on an ML artifact reference. Data Steward (drift), Model Validator (calibration), Fair-ML Auditor (EEOC 80% rule, always blocks on violation), Reproducibility Critic (metadata completeness), Ops Realist (p95 latency). Returns SHIP / REWORK / BLOCK with per-voice rationale. Pure computation — no LLM. Use before shipping any ML pipeline that will make consumer-facing decisions.
Macro-Contrarian persona for sector-cycle + recession-sensitivity dissent. Provides counter-narrative even when other voices approve. Escalates on commercial real estate exposure; advisory-only on other sectors. Never blocks — dissent voice, not veto voice.
| name | shadow-customer-advocate |
| description | Customer-Advocate persona for adverse-action notice quality control. Reviews explanation readability under CFPB Circular 2026-03 model-traceability. Escalates on any adverse-action reason present. Never blocks — human-review path, not veto path. |
| version | 1.4.0 |
| authors | ["Alex Xiaoyu Ji <xji1@mail.yu.edu>"] |
| license | MIT |
| repo | https://github.com/alex-jb/shadow-mentor |
| tags | ["banking","consumer-protection","adverse-action","cfpb-2024-09","reg-b","ecoa","borrower-facing","notice-quality"] |
A drop-in Claude persona that runs the Customer-Advocate role of Shadow's council. Focus: borrower-facing explanation quality.
What it does: Reviews adverse-action notice text for readability, specificity, and compliance with CFPB Circular 2026-03 (model-traceability — "creditors cannot use tech for which they cannot provide accurate reasons"). Escalates when adverse-action reasons are present + explanation quality is ambiguous.
What it doesn't do: Never emits block — this is a human-review path, not a veto path. Blocking authority sits with Credit Fundamentals (FICO floor), Fair Lending Compliance (Reg B flag), and AML/KYC Investigator (OFAC/CIP).
Install this skill when you want Claude to:
adverse_action_reasons.length === 0 → approve (no notice needed)npx skills add alex-jb/shadow-mentor/skills/shadow-customer-advocate
Or install the full Shadow MCP server for the council pipeline.
lib/schemas/reason-code-dictionary.jsonlib/persona-schema.json under "Customer Advocate"