AML/KYC Risk Assessment & Documentation Automation
Automate AML/KYC risk assessments and generate regulatory-compliant documentation
What You Can Do
This skill automates your entire AML/KYC risk assessment workflow—from customer onboarding through suspicious activity detection to regulatory documentation. You'll classify customers into risk tiers (Low/Medium/High/Enhanced), verify sources of funds against sanctions lists, analyze transaction patterns for anomalies, and generate examiner-ready compliance files. This cuts manual review time by 60-70% while ensuring your documentation withstands regulatory audits.
Features
automatically assigns Low/Medium/High/Enhanced ratings based on customer profile, transaction history, and regulatory risk factors
cross-references customer information against sanctions lists, adverse media, and PEP databases to flag high-risk sources
maps corporate and trust account structures to identify ultimate beneficial owners and flag complex hierarchies requiring enhanced due diligence
identifies velocity spikes, geographic inconsistencies, round-number patterns, wallet layering, and other anomalies indicative of suspicious activity
flags reporting thresholds, ongoing monitoring requirements, and documentation deadlines based on customer risk tier and transaction activity
produces complete compliance files with risk assessments, due diligence findings, and regulatory justifications formatted for examiner review
pre-fills SAR frameworks with detected anomalies, supporting evidence, and regulatory narrative language
tracks customer behavior changes over time and flags when risk reassessment or enhanced monitoring becomes necessary
Example Output
Example 1: New Customer Onboarding Assessment
- Customer Risk Tier: MEDIUM (small business, new to crypto, $50K/month expected volume)
- KYC Status: ✓ ID verified, ✓ Proof of address, ✗ Business registration pending
- Source of Funds: Legitimate (payroll deposits verified)
- Recommended Actions: Request business registration within 5 days; approve with standard monitoring
- Documentation: Complete KYC checklist with verification timestamps ready for audit
Example 2: Transaction Anomaly Detection
- Alert Type: VELOCITY SPIKE - Customer $5M transaction vs. historical $50K average
- Risk Score: 78/100 (HIGH)
- Pattern Analysis: Round-number withdrawal + same-day stablecoin conversion to mixing service
- Regulatory Trigger: Suspicious Activity Report required within 30 days
- Generated SAR Template: Pre-filled with transaction details, timeline, and regulatory narrative for compliance team signature
Example 3: Beneficial Ownership Verification
- Entity Type: UK Limited Company (Corporate Account)
- Ultimate Beneficial Owners: ✓ Identified (3 shareholders, 25%+ threshold met)
- PEP Check: ✗ One shareholder flagged (political connections in sanctioned jurisdiction)
- Risk Upgrade: MEDIUM → HIGH (Enhanced Due Diligence required)
- Action Items: Obtain proof of legitimate source of shares; schedule quarterly re-verification
What's Included
- SKILL.md instruction file: complete AML/KYC assessment workflow with risk-scoring methodology
- Customer Risk Tier Framework: classification matrix with Low/Medium/High/Enhanced triggers and documentation requirements
- KYC Checklist Template: ID verification, proof of address, beneficial ownership, source of funds verification with sign-off boxes
- Transaction Anomaly Detection Matrix: 12+ suspicious pattern types (velocity spikes, geographic inconsistency, round-number patterns, layering, counterparty concentration) with scoring logic
- Suspicious Activity Report (SAR) Template: pre-formatted for regulatory filing with evidence mapping and narrative sections
- Ongoing Monitoring Workflow: quarterly re-assessment triggers, risk migration rules, and documentation retention schedule
- Beneficial Ownership Verification Form: corporate structure mapping template for trusts, LLCs, and multi-tier entities
Who It's For
- Crypto Compliance Officers — managing AML/KYC programs for exchange, custody, or payment platforms
- Regulatory Affairs Managers — coordinating compliance with FinCEN, OFAC, and international AML standards
- Customer Risk Assessment Analysts — conducting due diligence reviews on new and existing account holders
- Compliance Audit Teams — preparing documentation and risk assessments for regulatory examinations
- Blockchain Operations Leaders — implementing systematic compliance into customer onboarding workflows
Best For
- Customer onboarding and initial KYC verification workflows
- Medium-to-high risk customer tiering requiring enhanced due diligence
- Transaction monitoring and suspicious activity pattern detection
- Beneficial ownership verification for corporate and trust accounts
- Suspicious Activity Report (SAR) generation and regulatory filing preparation
- Ongoing customer risk reassessment and monitoring program administration
- Pre-audit compliance documentation assembly and examiner readiness
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