How do I install the Banking Global Router skill?

Run npx skillmds@latest add panaversity/banking-global-router in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.

Is Banking Global Router safe to use?

This skill has not completed SkillMD's automated safety review yet. SkillMD never runs a skill's scripts for you; review the SKILL.md before installing.

Which AI agents work with Banking Global Router?

This skill is tagged as working with Claude Code, Claude.ai, OpenAI Codex. SKILL.md is an open format, so most agents that read a skills directory can load it too.

Is Banking Global Router free to use?

Yes. Installing skills from SkillMD is free, and the skill stays under its author's original license.

Who published Banking Global Router?

panaversity (@panaversity) published this skill. Their other Agent Skills are listed on their SkillMD profile.

Banking Global Router by panaversity

Name: Banking Global Router
Author: panaversity

Banking Global Router

Routes banking regulatory queries to the correct product skill and jurisdiction overlay. Activate for any query involving IFRS 9, ECL, expected credit loss, Stage 1, Stage 2, Stage 3, SICR, PD, LGD, EAD, Basel III, Basel IV, CET1, RWA, capital ratio, LCR, NSFR, HQLA, ICAAP, stress test, AML, KYC, CDD, EDD, SAR, STR, sanctions, OFAC, HMT, PEP, FATF, reconciliation, nostro, suspense, FRTB, market risk RWA. Covers 7 jurisdictions across multiple regulatory regimes (PRA, ECB/EBA, Fed/OCC, APRA, MAS, CBUAE, SBP).

panaversity Updated Sep 17, 2026

File contents

PURPOSE

Top-level routing controller. Determines which domain SKILL.md and jurisdiction overlay to load before generating any banking regulatory output. Does NOT contain regulatory rules -- it routes to the files that do.

STEP 1 -- IDENTIFY JURISDICTION

Read query for: country, regulator name, or regulatory standard reference. If no jurisdiction identifiable: ASK before proceeding. NEVER default to any jurisdiction.

STEP 2 -- LOAD DOMAIN FILE

Query Terms	Load
IFRS 9, ECL, PD, LGD, EAD, impairment, provision	ifrs9-ecl
Stage 1/2/3, SICR, staging, DPD, covenant breach	ifrs9-staging
Macro overlay, PIT PD, scenarios, credit cycle	ifrs9-scenarios
IFRS 7 disclosure, ECL note, sensitivity analysis	ifrs9-disclosure
CET1, RWA, capital ratio, MDA, output floor, ICAAP	basel-capital
SA risk weight, credit RWA, CCF, standardised approach	basel-rwa-credit
FRTB, market risk RWA, trading book, SBM, DRC, IMA	basel-rwa-market
LCR, HQLA, liquidity coverage, run-off rate	liquidity-lcr
NSFR, stable funding, ASF, RSF	liquidity-nsfr
Stress test, capital depletion, ACS, DFAST, ICAAP	stress-testing
AML alert, typology, money laundering, structuring	aml-typologies
SAR, STR, suspicious activity report, NCA, FinCEN	aml-sar-drafting
CDD, EDD, KYC, source of wealth, PEP onboarding	aml-cdd-edd
Sanctions, OFAC, HMT, SDN, sanctioned entity	sanctions-screening
KYC risk rating, customer risk, risk classification	kyc-risk-rating
Nostro, suspense, GL recon, provision recon, settlement	bank-reconciliation
CECL, ASC 326, US ECL, current expected credit losses	us-cecl (comparison overlay)
Islamic banking, AAOIFI, FAS 30, riba, murabaha, ijara	islamic-banking-interaction

STEP 3 -- LOAD JURISDICTION OVERLAY

When a jurisdiction is identified, load the appropriate overlay:

UK / PRA / FCA
EU / ECB / EBA / CRR
USA / Fed / OCC / FinCEN
Australia / APRA / AUSTRAC
Singapore / MAS
UAE / CBUAE
Pakistan / SBP
GCC / SAMA / CBUAE / CBB / CBK / QCB
CECL / ASC 326 / US ECL comparison
Islamic banking / AAOIFI / riba / murabaha

STEP 4 -- MANDATORY OUTPUT HEADER

Every banking regulatory output must begin with: GOVERNING STANDARD: [e.g. IFRS 9 / Basel III SA -- UK PRA] DOMAIN: [e.g. IFRS 9 ECL -- Stage Assessment] JURISDICTION: [e.g. United Kingdom -- PRA Rulebook / UK CRR]

UNIVERSAL RULES

NEVER use incurred-loss thinking for IFRS 9 -- it is forward-looking
NEVER recognise Stage 3 interest on the gross carrying amount
NEVER confuse capital (Basel) with liquidity (LCR/NSFR)
NEVER file a SAR without specifying jurisdiction and receiving FIU
NEVER apply IFRS 9 to US banks -- they use CECL (ASC 326)
This agent executes, flags, escalates, documents. The professional judges.

---name: banking-global-routerdescription: Routes banking regulatory queries to the correct product skill and jurisdiction overlay. Activate for any query involving IFRS 9, ECL, expected credit loss, Stage 1, Stage 2, Stage 3, SICR, PD, LGD, EAD, Basel III, Basel IV, CET1, RWA, capital ratio, LCR, NSFR, HQLA, ICAAP, stress test, AML, KYC, CDD, EDD, SAR, STR, sanctions, OFAC, HMT, PEP, FATF, reconciliation, nostro, suspense, FRTB, market risk RWA. Covers 7 jurisdictions across multiple regulatory regimes (PRA, ECB/EBA, Fed/OCC, APRA, MAS, CBUAE, SBP).---## PURPOSETop-level routing controller. Determines which domain SKILL.md andjurisdiction overlay to load before generating any banking regulatory output.Does NOT contain regulatory rules -- it routes to the files that do.## STEP 1 -- IDENTIFY JURISDICTIONRead query for: country, regulator name, or regulatory standard reference.If no jurisdiction identifiable: ASK before proceeding.NEVER default to any jurisdiction.## STEP 2 -- LOAD DOMAIN FILE| Query Terms | Load || ------------------------------------------------------- | ---------------------------- || IFRS 9, ECL, PD, LGD, EAD, impairment, provision | ifrs9-ecl || Stage 1/2/3, SICR, staging, DPD, covenant breach | ifrs9-staging || Macro overlay, PIT PD, scenarios, credit cycle | ifrs9-scenarios || IFRS 7 disclosure, ECL note, sensitivity analysis | ifrs9-disclosure || CET1, RWA, capital ratio, MDA, output floor, ICAAP | basel-capital || SA risk weight, credit RWA, CCF, standardised approach | basel-rwa-credit || FRTB, market risk RWA, trading book, SBM, DRC, IMA | basel-rwa-market || LCR, HQLA, liquidity coverage, run-off rate | liquidity-lcr || NSFR, stable funding, ASF, RSF | liquidity-nsfr || Stress test, capital depletion, ACS, DFAST, ICAAP | stress-testing || AML alert, typology, money laundering, structuring | aml-typologies || SAR, STR, suspicious activity report, NCA, FinCEN | aml-sar-drafting || CDD, EDD, KYC, source of wealth, PEP onboarding | aml-cdd-edd || Sanctions, OFAC, HMT, SDN, sanctioned entity | sanctions-screening || KYC risk rating, customer risk, risk classification | kyc-risk-rating || Nostro, suspense, GL recon, provision recon, settlement | bank-reconciliation || CECL, ASC 326, US ECL, current expected credit losses | us-cecl (comparison overlay) || Islamic banking, AAOIFI, FAS 30, riba, murabaha, ijara | islamic-banking-interaction |## STEP 3 -- LOAD JURISDICTION OVERLAYWhen a jurisdiction is identified, load the appropriate overlay:- [UK / PRA / FCA](references/jurisdictions/uk-pra.md)- [EU / ECB / EBA / CRR](references/jurisdictions/eu-crr.md)- [USA / Fed / OCC / FinCEN](references/jurisdictions/us-federal.md)- [Australia / APRA / AUSTRAC](references/jurisdictions/australia-apra.md)- [Singapore / MAS](references/jurisdictions/singapore-mas.md)- [UAE / CBUAE](references/jurisdictions/uae-cbuae.md)- [Pakistan / SBP](references/jurisdictions/pakistan-sbp.md)- [GCC / SAMA / CBUAE / CBB / CBK / QCB](references/jurisdictions/gcc-gcc.md)- [CECL / ASC 326 / US ECL comparison](references/jurisdictions/us-cecl.md)- [Islamic banking / AAOIFI / riba / murabaha](references/jurisdictions/islamic-banking-interaction.md)## STEP 4 -- MANDATORY OUTPUT HEADEREvery banking regulatory output must begin with:GOVERNING STANDARD: [e.g. IFRS 9 / Basel III SA -- UK PRA]DOMAIN: [e.g. IFRS 9 ECL -- Stage Assessment]JURISDICTION: [e.g. United Kingdom -- PRA Rulebook / UK CRR]## UNIVERSAL RULES- NEVER use incurred-loss thinking for IFRS 9 -- it is forward-looking- NEVER recognise Stage 3 interest on the gross carrying amount- NEVER confuse capital (Basel) with liquidity (LCR/NSFR)- NEVER file a SAR without specifying jurisdiction and receiving FIU- NEVER apply IFRS 9 to US banks -- they use CECL (ASC 326)- This agent executes, flags, escalates, documents. The professional judges.

Frequently asked questions