Background Check Summarization
Transforms raw background check data into a decision-ready summary with risk categorization and compliance flags. Output has three sections: executive summary, detailed findings, and methodology.
Quick Start
- Identify subject (name, DOB, SSN last 4, search scope)
- Categorize each check type as Pass / Flag / Pending
- Assign overall status: GREEN, YELLOW, or RED
- Surface top 2–3 findings and any compliance flags
- Append methodology and coverage limitations
Output Structure
Executive Summary
- Subject: Full name, DOB, SSN (last 4), search scope
- Overall Status: GREEN (clear) / YELLOW (requires review) / RED (adverse findings)
- Category Table: Pass/Flag/Pending per check type
- Key Findings: 2–3 most significant items
- Compliance Flags: Jurisdiction-specific requirements
Detailed Findings
Present each category with findings or explicit "No records found":
| Category |
Key Data Points |
| Criminal Records (Fed/State/County) |
Charges, disposition, date, jurisdiction, sentence |
| Sex Offender Registry |
Status, jurisdiction |
| Civil Litigation |
Case type, role, disposition, damages |
| Employment Verification |
Title (claimed vs. verified), dates, departure reason |
| Education Verification |
Degree (claimed vs. verified), institution, dates |
| Professional Licenses |
Status, disciplinary actions |
| Sanctions/Watchlist |
OFAC, BIS, state debarment |
| Adverse Media |
Source, date, relevance assessment |
Methodology & Limitations
State sources searched and gaps (jurisdictions not covered, sealed records, database lag).
Risk Categorization
| Status |
Criteria |
Action |
| GREEN |
No adverse records, all verifications confirmed |
Proceed |
| YELLOW |
Minor discrepancies, old/minor offenses, items needing context |
Human review required |
| RED |
Significant adverse findings, verification failures, recent serious offenses |
Enhanced review / adverse action |
Escalation Factors
- Criminal: Felony; violence/fraud/theft-related; recency (<7 yrs); position relevance; pending charges
- Employment: Title inflation; date gaps >3 months; overlapping employment; employer not found
- Education: Degree or institution mismatch; unaccredited institution
Compliance Checks
- FCRA: Adverse action requires pre-adverse notice, report copy, and Summary of Rights — always note this
- Ban-the-Box / Fair Chance: Flag jurisdictions restricting criminal history inquiries at specific hiring stages
- EEOC Guidance: Evaluate criminal history for nature of offense, time elapsed, and job-relatedness
- State lookback limits: Note applicable 7-year or other reportable-record limitations
1---2name: background-check-summary3description: Summarizes raw background check data into structured executive reports with risk categorization (GREEN/YELLOW/RED). Use when processing criminal records, court filings, employment/education verification, sanctions screening, or adverse media for pre-employment screening, executive due diligence, or investment-grade investigations.4license: Apache-2.05---67# Background Check Summarization89Transforms raw background check data into a decision-ready summary with risk categorization and compliance flags. Output has three sections: executive summary, detailed findings, and methodology.1011## Quick Start12131. Identify subject (name, DOB, SSN last 4, search scope)142. Categorize each check type as Pass / Flag / Pending153. Assign overall status: GREEN, YELLOW, or RED164. Surface top 2–3 findings and any compliance flags175. Append methodology and coverage limitations1819## Output Structure2021### Executive Summary2223- **Subject**: Full name, DOB, SSN (last 4), search scope24- **Overall Status**: GREEN (clear) / YELLOW (requires review) / RED (adverse findings)25- **Category Table**: Pass/Flag/Pending per check type26- **Key Findings**: 2–3 most significant items27- **Compliance Flags**: Jurisdiction-specific requirements2829### Detailed Findings3031Present each category with findings or explicit "No records found":3233| Category | Key Data Points |34|----------|----------------|35| Criminal Records (Fed/State/County) | Charges, disposition, date, jurisdiction, sentence |36| Sex Offender Registry | Status, jurisdiction |37| Civil Litigation | Case type, role, disposition, damages |38| Employment Verification | Title (claimed vs. verified), dates, departure reason |39| Education Verification | Degree (claimed vs. verified), institution, dates |40| Professional Licenses | Status, disciplinary actions |41| Sanctions/Watchlist | OFAC, BIS, state debarment |42| Adverse Media | Source, date, relevance assessment |4344### Methodology & Limitations4546State sources searched and gaps (jurisdictions not covered, sealed records, database lag).4748## Risk Categorization4950| Status | Criteria | Action |51|--------|----------|--------|52| GREEN | No adverse records, all verifications confirmed | Proceed |53| YELLOW | Minor discrepancies, old/minor offenses, items needing context | Human review required |54| RED | Significant adverse findings, verification failures, recent serious offenses | Enhanced review / adverse action |5556### Escalation Factors5758- **Criminal**: Felony; violence/fraud/theft-related; recency (<7 yrs); position relevance; pending charges59- **Employment**: Title inflation; date gaps >3 months; overlapping employment; employer not found60- **Education**: Degree or institution mismatch; unaccredited institution6162## Compliance Checks6364- **FCRA**: Adverse action requires pre-adverse notice, report copy, and Summary of Rights — always note this65- **Ban-the-Box / Fair Chance**: Flag jurisdictions restricting criminal history inquiries at specific hiring stages66- **EEOC Guidance**: Evaluate criminal history for nature of offense, time elapsed, and job-relatedness67- **State lookback limits**: Note applicable 7-year or other reportable-record limitations
ThomasMoreAI