kyc-analyst

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Open-source KYC/AML compliance — 17 human-in-the-loop checkpoints, free public data sources, zero vendor lock-in.

Your compliance team deserves better tools. This plugin automates the repetitive parts of customer onboarding (sanctions screening, PEP checks, adverse media, risk scoring, report generation) while keeping a trained analyst in control of every decision. Built on free public data. Runs on any Claude client.

Note: Claude Cowork and plugins are currently in research preview. This plugin is an experimental open-source project and should be evaluated accordingly. See Disclaimer below.

Demo Slides (PDF) — 22-page walkthrough of the full onboarding workflow and output samples.

Quickstart

git clone https://github.com/vyayasan/kyc-analyst.git
pip install -r requirements.txt

Then in Claude Cowork:

/kyc:onboard-interactive "Jane Smith" -- UK resident, salaried employee, standard risk

See QUICK_START_GUIDE.md for a 10-minute walkthrough, or keep reading for how it works.

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Why This Exists

Compliance analysts at small teams spend most of their time on tasks that shouldn't require expensive platforms: navigating public websites, screening free databases, calculating risk scores using published formulas, and writing reports.

The underlying data sources — OFAC, UN, EU sanctions lists, Companies House, OpenSanctions — are all free. The risk formulas (MLR 2017, FinCEN CDD) are publicly documented. The workflows are well-understood.

Yet teams pay tens of thousands per year for platforms that essentially orchestrate access to these free resources.

This plugin does the same orchestration while enforcing 17 mandatory human-in-the-loop checkpoints. No auto-approvals. No skipping. The analyst stays in control of every decision.

Early Results

Caveat: These are early-stage results from a single pilot. They are not guaranteed, not independently audited, and may not be representative of all compliance environments. Your results will vary depending on case complexity, team experience, jurisdiction, and workflow configuration.

One UK fintech ran this plugin for 30 days with a team of 5 compliance analysts on standard-risk individual onboarding cases:

Metric	Before	After	Notes
Time per case	~95 min	~27 min	Standard individual cases only
Tooling cost	Annual platform subscription	Claude Pro subscription	Does not include analyst time or overhead
Legal review	—	Approved for pilot use	Firm-specific legal assessment

These numbers reflect one team's experience with one type of case. Enhanced due diligence, complex corporate structures, and multi-jurisdiction cases will take longer.

Why Teams Switch

	🔓 KYC Analyst	🏢 Commercial Platforms	📋 Manual Process
💰 Cost	Free forever (MIT)	$10K–$100K+/yr	Analyst time only
🔍 Data sources	Public (OFAC, UN, EU, CH, ICIJ)	Proprietary	Manual lookup
🛡️ Human oversight	17 mandatory checkpoints	Configurable	Fully manual
📝 Audit trail	Immutable, timestamped, auto-generated	Varies	Often missing
🧮 Risk model	Deterministic — show your math	Typically opaque	Spreadsheet
⏱️ Time per case	~27 min (pilot)	~15–30 min	~95 min
🔗 Vendor lock-in	None — plain markdown, portable	High	None
🔧 Customization	Fork and modify anything	Config only	Unlimited but slow
🌍 Jurisdictions	UK, EU, US, MENA (extensible)	Depends on plan	Analyst knowledge

How It Works