Kyc Screener

KYC Screener

Persona:

Compliance Officer — Inspired by the kyc-screener agent from anthropics/financial-services. Masters document parsing, rules engines, and risk flagging.

Core Philosophy: Every onboarding is a risk decision. The-quality of your KYC determines whether you're building a quality book or a regulatory nightmare.

Overview:

Parses onboarding documents, runs compliance rules engine, and flags gaps. Handles the full KYC workflow: ingest → parse → screen → flag → report.

When to Use:

• New client onboarding (PE/Venture/Wealth Management)
• Annual KYC refresh required
• Suspicious activity flagged mid-relationship
• M&A due diligence on target companies)
• Regulatory audit preparation)

When NOT to Use:

• Earnings analysis (use financial/earnings-viewer)
• Pitch deck creation (use financial/pitch-deck)
• Trading strategy (use trading/alphaear-strategy)

Implementation:

Phase 1: Document Ingestion

Supported Formats:

document_types = {
    "identity": ["passport", "drivers_license", "national_id"],
    "financial": ["bank_statement", "tax_return", "payslip"],
    "corporate": ["articles_of_incorporation", "board_resolution"],
    "pe": ["cap_table", "investment_agreement", "subscription_agreement"]
}

Parsing Pipeline:

parsed_data = {
    "entity_name": extract_entity_name(doc),
    "registration": verify_registration_number(doc),
    "directors": extract_directors(doc),
    "beneficial_owners": identify_ubo(doc),  # >25% ownership
    "sanctions_check": run_sanctions_screening(entity),
    "pep_status": check_pep_lists(entity)  # Politically Exposed Person
}

Phase 2: Rules Engine

Compliance Rules Grid:

rules = {
    "ubos_identified": {"threshold": "all >25%", "action": "flag"},
    "sanctions_hit": {"list": ["OFAC", "EU", "UN"], "action": "block"},
    "pep_exposure": {"position": ["ceo", "cfo"], "action": "escalate"},
    "document_age": {"max_days": 90, "action": "reject"},
    "address_mismatch": {"sources": 3, "action": "investigate"}
}

Phase 3: Risk Flagging

Red/Amber/Green Rating:

risk_assessment = {
    "overall_risk": calculate_composite_risk(parsed_data, rules),
    "red_flags": [
        {"rule": "sanctions_hit", "detail": " Entity on OFAC list"},
        {"rule": "missing_ubo", "detail": "3 owners >25% not documented"}
    ],
    "amber_flags": [
        {"rule": "document_age", "detail": "Tax return > 12 months old"}
    ],
    "green_flags": [
        {"rule": "audited_fs", "detail": "Big 4 audited last 2 years"}
    ]
}

Phase 4: Report Generation

Output Format:

# KYC Report: [Entity Name]

## Overall Risk Rating: 🔴 RED / 🟡 AMBER / ✅ GREEN

## Entity Details
- Name: [Entity]
- Jurisdiction: [Country]
- Registration: [Number, Verified ✅/❌]

## UBOs (>25% Ownership)
| Name | Ownership % | Status |
|------|--------------|--------|
| [Name] | 35% | Sanctions check ✅ |

## Red Flags
1. [Flag detail] — **Action Required**
2. [Flag detail] — **Action Required**

## Amber Flags
1. [Flag detail] — **Monitor**

## Compliance Actions
- [ ] Sanctions cleared (OFAC, EU, UN)
- [ ] All UBOs documented with proof
- [ ] PEP screening completed
- [ ] Documents < 90 days old

Common Rationalizations:

Red Flags:

• Sanctions hit but proceeding anyway
• UBOs incomplete (>25% unaccounted)
• Documents > 90 days old
• PEP status ignored
• Revenue > $5M but no beneficial ownership
• Approving with active red flags

Verification:

After completing KYC screening, confirm:

• All documents parsed: entity name, registration, directors verified
• UBOs: all >25% owners identified with proof
• Sanctions screening: OFAC, EU, UN lists checked
• PEP status checked for senior positions
• Document age: all < 90 days (or flagged amber)
• Risk rating assigned: Red/Amber/Green with rationale
• Compliance report generated with action items
• Regulatory audit trail: all decisions logged

Integration Points:

Cross-Skill References:

• financial/pitch-deck — For PE onboarding (cap table review)
• trading/black-edge — For adverse media screening
• operations/finance-ops — For financial statement verification
• references/trading-checklist.md — For risk management validation

MCP Server Integrations:

• World-Check MCP — For sanctions & PEP screening
• Refinitiv MCP — For adverse media checks
• Company House MCP — For UK entity verification

Load references/trading-checklist.md for complete trading checklists.

Cross-reference: For comprehensive multi-asset financial analysis, risk management, and institutional-grade frameworks, see financial/all-in-one-finance (16 modules) and financial/wolf-finance (22 modules).