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From kyc-analyst
Executes full KYC customer onboarding with mandatory Step 0 independent verification (5+1 searches), 17 stagegates, four-factor risk scoring, Excel dashboard, PDF report, and audit trail for UK/EU/US/MENA compliance.
npx claudepluginhub vyayasan/kyc-analystHow this skill is triggered — by the user, by Claude, or both
Slash command
/kyc-analyst:onboardingThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
**Author:** Vyayasan
Applies a firm's KYC/AML rules grid to parsed onboarding records: assigns risk rating, checks required documents, outputs rule outcomes with citations, and routes for escalation.
Designs end-to-end client onboarding workflows for wealth management: prospect intake, KYC/CIP verification, suitability questionnaires, e-signature, custodian API submission. For digital flows, compliance, NIGO reduction.
Activate for: CDD, EDD, customer due diligence, enhanced due diligence, simplified due diligence, KYC, know your customer, customer onboarding, source of wealth, source of funds, PEP, politically exposed person, beneficial ownership, UBO, corporate structure, ongoing monitoring. NOT for: personal finance advice or retail banking product recommendations, tax compliance or tax residency determinations, credit underwriting decisions.
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Author: Vyayasan Version: 1.0.0 Status: Production Ready - Final Locked Version
This SKILL defines the complete KYC onboarding workflow with mandatory Step 0 independent verification, case folder auto-creation, and locked template enforcement.
Trigger: /kyc-analyst:onboard [Customer Name] [Country]
Stagegate Enforcement: This skill enforces 17 mandatory stagegates with explicit analyst consent at each gate. See commands/onboard.md for the full stagegate specification.
MCP Integration: Uses ~~browser (Claude in Chrome) for web research, ~~excel (openpyxl) for dashboards, ~~pdf (fpdf2) for reports. See CONNECTORS.md for full connector reference.
Regulatory Requirement: AMLD5 Article 10(a) and UK MLR 2017 Regulation 19 require independent verification using "reliable, independent source documents, data or information."
Analyst Compliance Duty: Analyst must verify customer declarations independently. Cannot rely solely on what customer claims - must verify through independent sources.
This Skill Enforces: No proceeding to traditional onboarding until Step 0 is complete and clear.
COMMAND INVOKED
↓
CREATE CASE FOLDER (KYC-[DATE]-[TYPE]-[NAME]-[SEQ])
↓
BEGIN STEP 0 - INDEPENDENT VERIFICATION
↓
SEARCH 1: Adverse Media ─→ DOCUMENT FINDINGS
SEARCH 2: Directorships ─→ DOCUMENT FINDINGS
SEARCH 3: PEP Status ────→ DOCUMENT FINDINGS
SEARCH 4: Professional Background → DOCUMENT FINDINGS
SEARCH 5: Sanctions/Crime ──→ DOCUMENT FINDINGS
↓
ANALYSIS & DECISION
↓
All Clear? → YES → Proceed to Step 1
↓ NO (DISCREPANCIES FOUND)
ESCALATE → Manager Review Required
Objective: Identify any negative news, criminal records, regulatory violations, financial crime
Search Strategy:
Sources:
- Google News: "[Customer Name]" crime/fraud/scandal
- BBC News: "[Customer Name]" conviction
- Reuters: "[Customer Name]" regulatory action
- Companies House: Search for insolvency notices
- FCA Register: Check for regulatory action
- UK Media Index: General news scan
What to Document:
Decision Rule:
Objective: Identify ALL company involvement, directorships, beneficial ownership
Search Strategy:
Sources:
- Companies House: Direct officer search for [Customer Name]
- Companies House: Company search for any businesses
- Business registries: Director and shareholder registrations
- Corporate databases: Cross-verification
What to Document:
Critical Findings - Escalate If:
Objective: Identify political exposure requiring Enhanced Due Diligence
Search Strategy:
Sources:
- UK Government PEP Database
- Electoral Commission (candidacy/office)
- International PEP Lists
- Government employee records
What to Document:
Decision Rule:
Objective: Verify occupation claims independently
Search Strategy:
Sources:
- LinkedIn: Employment history, current roles
- Company websites: Staff directory, team pages
- Business registry: Company ownership, director roles
- News: Business announcements, funding rounds
What to Document:
Critical Discrepancies - Escalate If:
Objective: Confirm no sanctions matches or financial crime involvement
Search Strategy:
Sources:
- OFAC Specially Designated Nationals List
- EU Consolidated Sanctions List
- UK Sanctions Regime
- UN Security Council Consolidated List
- Interpol Database
What to Document:
Decision Rule:
File Created: STEP_0_VERIFICATION_REPORT.md (LOCKED TEMPLATE)
Required Sections:
# STEP 0 VERIFICATION REPORT
## Search 1: Adverse Media
[Findings documented]
## Search 2: Directorships
[All companies listed with details]
## Search 3: PEP Status
[PEP assessment]
## Search 4: Professional Background
[Occupation and business verification]
## Search 5: Sanctions & Crime
[Sanctions screening results]
## DECISION GATE ANALYSIS
[Summary of findings]
## Material Misrepresentation Assessment
[If discrepancies found]
## Step 0 Decision: [PROCEED / ESCALATE]
[Decision logic]
## Certification
[Analyst sign-off]
PROCEED Criteria (All Required):
ESCALATE Criteria (Any Found):
Material Findings Escalate To:
Information to Include:
Manager Decision Options:
Proceeds Only If: Step 0 is complete and clear (or escalation resolved)
Gather required information:
Create case documents:
KYC-[YYYYMMDD]-[TYPE_CODE]-[CUSTOMER_NAME]-[SEQUENCE]
Components:
Example: KYC-20260202-ONB-SMITH-001
Plugin creates (automatically):
001_CASE_METADATA/
├── CASE_METADATA.md (LOCKED TEMPLATE)
002_STEP_0_VERIFICATION/
├── STEP_0_VERIFICATION_REPORT.md (LOCKED TEMPLATE)
├── 001_Adverse_Media/
│ └── Search_1_Findings.md
├── 002_Directorships/
│ └── Search_2_Findings.md
├── 003_PEP_Status/
│ └── Search_3_Findings.md
├── 004_Professional_Background/
│ └── Search_4_Findings.md
└── 005_Sanctions_Crime/
└── Search_5_Findings.md
003_EVIDENCE/
├── Identification documents
├── Address verification
├── Employment confirmation
└── Source of funds documentation
004_AUDIT_TRAIL/
├── AUDIT_TRAIL.md (LOCKED TEMPLATE)
005_ESCALATIONS/
├── ESCALATION_BRIEF.md (if applicable)
└── Manager Decision.md (if applicable)
006_COMMUNICATIONS/
├── Customer correspondence
└── Customer clarification requests
KYC_[CustomerName]_Findings_Report.xlsx
├── Executive Summary sheet
├── Step 0 Results sheet
├── Discrepancies sheet
└── Risk Assessment sheet
Purpose: Single source of truth for case identification
Structure (Locked):
# CASE METADATA - LOCKED TEMPLATE
## CASE IDENTIFICATION
Case ID, Type, Customer, Application Date, Analyst
## CUSTOMER DETAILS
Name, Email, Nationality, Residence, DOB, Passport
## DECLARED BUSINESS PROFILE
[Customer's declared information]
## CASE STATUS TIMELINE
[Chronological updates with dates]
## CASE STATUS
[Current status]
## RISK ASSESSMENT
[Geographic %, Customer %, Product %, Channel %]
## NEXT STEPS
[Ordered action items]
Modification Rule: Sections locked, content within sections editable
Purpose: Regulatory compliance evidence
Structure (Locked):
# STEP 0 VERIFICATION REPORT - LOCKED TEMPLATE
## SEARCH 1-5 SECTIONS
[Each with structured findings]
## STEP 0 DECISION GATE ANALYSIS
[Summary and decision logic]
## CERTIFICATION & SIGN-OFF
[Analyst certification]
Modification Rule: Format locked, findings editable
Purpose: Immutable chronological log
Structure (Fully Locked):
# AUDIT TRAIL - IMMUTABLE LOG
## CHRONOLOGICAL ACTION LOG
[Timestamped table of all actions]
## FINDINGS SUMMARY
[Summary of findings]
## REGULATORY COMPLIANCE NOTES
[Compliance requirements met]
Modification Rule: Auto-generated, non-editable
Plugin creates professional Excel report with:
Sheet 1: Executive Summary
Sheet 2: Step 0 Searches
Sheet 3: Discrepancies (if any)
Sheet 4: Risk Assessment
❌ Mistake 1: Accepting customer declarations without independent verification ✓ Correct: Complete all five searches regardless of what customer says
❌ Mistake 2: Skipping Step 0 for "low-risk" customers ✓ Correct: Step 0 is mandatory for ALL customers
❌ Mistake 3: Using single search instead of five ✓ Correct: All five searches required; each adds unique information
❌ Mistake 4: Modifying locked template format ✓ Correct: Locked templates maintain consistency; modify content, not format
❌ Mistake 5: Proceeding with onboarding despite critical findings ✓ Correct: Escalate when discrepancies found; don't override decision gate
START ONBOARDING
↓
CREATE CASE FOLDER
↓
BEGIN STEP 0
↓
┌─── SEARCH 1: ADVERSE MEDIA
│ ↓
│ Findings? → NO → Continue
│ ↓ YES
│ Document → Continue (to Search 2)
│
├─── SEARCH 2: DIRECTORSHIPS
│ ↓
│ Findings? → NO → Continue
│ ↓ YES
│ Document → Continue (to Search 3)
│
├─── SEARCH 3: PEP STATUS
│ ↓
│ PEP? → NO → Continue
│ ↓ YES
│ Document → Continue (to Search 4)
│
├─── SEARCH 4: PROFESSIONAL BACKGROUND
│ ↓
│ Discrepancies? → NO → Continue
│ ↓ YES
│ Document → Continue (to Search 5)
│
└─── SEARCH 5: SANCTIONS/CRIME
↓
Matches? → NO → STEP 0 COMPLETE
↓ YES
IMMEDIATE ESCALATION
Built-In Gating:
Cannot proceed past Step 0 unless:
✓ All five searches completed
✓ Report generated and signed
✓ Decision documented
✓ Escalation (if needed) routed
This ensures:
As Analyst:
As Manager:
As Compliance:
Developed by: Vyayasan Version: 1.0.0 Date: 12 February 2026 Status: Production Ready - Final Locked Version
Stagegate Reference: See commands/onboard.md for full 17-stagegate workflow specification.
Connector Reference: See CONNECTORS.md and MCP_INTEGRATION_GUIDE.md for MCP tool integration.