Full KYC customer onboarding with mandatory Step 0 independent verification (5+1 searches), 17 sequential stagegates requiring explicit analyst consent, deterministic four-factor risk scoring, case folder auto-creation, 4-sheet Excel dashboard, 17-section PDF report, and immutable audit trail. Covers UK/EU (AMLD5), US (FinCEN CDD), and MENA jurisdictions.
From kyc-analystnpx claudepluginhub vyayasan/kyc-analystThis skill uses the workspace's default tool permissions.
Designs and optimizes AI agent action spaces, tool definitions, observation formats, error recovery, and context for higher task completion rates.
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.