AML/KYC Customer Risk Assessment Framework
Evaluate customer risk profiles and SAR decisions using regulatory-aligned AML/KYC frameworks
What You Can Do
You can rapidly evaluate customer risk profiles against regulatory requirements by structuring complex customer data into actionable risk ratings. The framework guides you through multi-layered risk assessment—identity verification, source of funds analysis, transaction pattern evaluation, and jurisdictional exposure—producing compliance decisions that withstand regulatory examination and support defensible SAR escalation decisions.
Features
customer identity verification, source of funds analysis, transaction patterns, and jurisdictional exposure assessment
trace ownership chains for corporate and trust accounts with regulatory-compliant structure
detect politically exposed persons and negative news connections flagging elevated risk
identify suspicious activity indicators (structuring, rapid velocity, mismatched purpose) aligned with FinCEN typologies
document risk factors and thresholds to build defensible Suspicious Activity Report filing justification
frameworks aligned with FinCEN, OCC, and FDIC standards for compliance examiner confidence
evaluate third-party financial institution relationships and inherent risk factors
automatic risk elevation for sanctioned countries, shell company structures, and vulnerable sectors
Example Output
Example 1: New Account Onboarding Risk Assessment
Customer: Acme Trading LLC (new corporate account, $500K monthly expected volume)
Risk Rating: MEDIUM-HIGH ⚠️
- Identity verification: COMPLETE (EIN matched, registered agent confirmed)
- Beneficial ownership: PARTIAL (2 of 3 UBOs identified; one offshore entity requires additional CDD)
- Source of funds: UNCLEAR (stated purpose: import/export, but source documentation insufficient)
- Transaction indicators: Potential structuring risk (multiple deposits just below $10K threshold flagged)
- PEP screening: No direct hits; one beneficial owner has adverse media (import sanctions concern)
- Recommendation: ESCALATE for enhanced due diligence; request beneficial ownership chain and source of funds documentation before account activation
Example 2: Existing Customer SAR Decision
Customer: John Smith (12-year account holder, sudden activity change)
Risk Factors Documented:
- ✓ Funds received from 8 different countries in 2-week period
- ✓ Immediate wire transfers to high-risk jurisdiction (no business purpose identified)
- ✓ Customer refuses to clarify source of funds
- ✓ Transaction velocity: $2.3M in 30 days (vs. historical $50-100K)
- ✓ Beneficial ownership: Unable to verify; customer became evasive when questioned
Compliance Decision: FILE SAR 📋
- Threshold met: Suspicious activity indicators align with FinCEN structuring and layering typologies
- Documentation complete: 4-page risk assessment attached with transaction timeline and communication records
- Regulatory confidence: Defensible decision documented for examination purposes
What's Included
- SKILL.md: complete AML/KYC framework with assessment workflows and regulatory alignment guidance
- Customer Risk Assessment Template: structured intake form capturing identity, beneficial ownership, source of funds, and transaction analysis
- SAR Documentation Checklist: step-by-step SAR filing decision criteria with risk factor thresholds
- PEP Screening Worksheet: adverse media and sanctions screening assessment with escalation triggers
- High-Risk Jurisdiction & Industry Matrix: regulatory reference list for automatic risk elevation criteria
Who It's For
- Compliance Analysts — evaluating new account onboarding and customer due diligence decisions
- AML Officers — managing risk ratings and SAR filing decisions across the customer portfolio
- Relationship Managers — documenting KYC/CDD for high-value customers before transaction approval
- Internal Audit and Compliance Teams — preparing documentation for regulatory examinations and audits
- Correspondent Banking Teams — assessing third-party financial institution risk and ongoing monitoring requirements
Best For
- New customer KYC/CDD workups — comprehensive onboarding risk assessment for account activation
- Transaction monitoring escalations — investigating customers flagged by automated monitoring systems
- Beneficial ownership verification — mapping ownership chains for corporate, trust, and LLC structures
- SAR filing decisions — documenting suspicious activity indicators and regulatory filing justification
- PEP and adverse media screening — detecting politically exposed persons and negative news connections
You might also like
You can submit loan application materials—financial statements, credit reports, business plans, and collateral documentation—and receive a structured underwriting memorandum that assesses creditworthiness across institutional standards. Claude extracts key financial metrics, calculates debt service coverage ratios, identifies material risk factors, and documents lending recommendations with rationale suitable for credit committee review and regulatory examination.
by eternaljust
Conduct thorough, documented customer risk assessments using structured compliance decision trees aligned with FinCEN, OFAC, and BSA standards. You'll evaluate customer information, identify regulatory red flags, determine appropriate risk classifications, and generate audit-ready documentation that demonstrates defensible decision-making during regulatory examinations. This skill accelerates due diligence while reducing compliance gaps and creating the paper trail regulators expect.
by eternaljust
You can analyze transaction patterns across 90-180 day windows, calculate risk scores based on regulatory frameworks (FinCEN, OCC, Fed guidance), and detect behavioral anomalies that suggest structuring, layering, or placement activity. Claude generates defensible suspicious activity documentation and supports your SAR filing decisions with evidence-based contextual analysis rather than rule-matching alone.
by eternaljust
This skill guides you through SAR preparation with structured compliance validation, ensuring your filings meet FinCEN requirements and withstand regulatory examination. You'll validate mandatory fields, risk-score transactions against BSA/AML thresholds, document investigation procedures for audit defensibility, and cross-check against common rejection reasons that delay filing. The skill helps you align documentation across Operations, Risk, Compliance, and Legal teams to ensure timely, accurate SAR submission within the 30/60-day timeline.
by eternaljust
You can conduct multi-source sanctions screening on customers, counterparties, and beneficial owners; assess regulatory risk for complex transaction scenarios; determine Enhanced Due Diligence (EDD) necessity; and document compliance findings with reasoning that withstands OFAC enforcement scrutiny. The skill integrates customer due diligence protocols, sanctions jurisdiction analysis, and transaction authorization logic to streamline BSA/AML decision-making.
by eternaljust
Systematically identify chart patterns and validate them using technical confluence scoring. You get actionable trade setups with entry/exit levels and risk/reward analysis based on multiple indicator confirmation. Filter false signals and improve your trade quality by combining technical indicators in a disciplined framework.
by eternaljust
This skill enables you to conduct comprehensive AML/KYC risk assessments that move beyond checklist-based compliance toward intelligent risk evaluation. You'll analyze customer due diligence data, transaction patterns, and behavioral indicators to develop consistent, defensible risk ratings with clear regulatory justification. The skill structures your analysis to produce audit-ready documentation suitable for regulatory examination and SAR filing support.
by skyvern-ai
You can apply a structured risk assessment framework to transaction alerts, consistently scoring suspicious activity against regulatory expectations and internal thresholds. Claude helps you triage alerts efficiently, document decision rationale for examination readiness, and classify activity by risk level to prioritize investigations and determine SAR filing obligations while minimizing time spent on false positives.
by eternaljust