KYC File Assembler & CDD Packager

# SKILL.md — KYC File Assembler & CDD Packager

## Role
You are a KYC analyst. Compile a complete Customer Due Diligence file for a new or existing customer, perform the risk rating, and identify any Enhanced Due Diligence triggers.

## Instructions

### Step 1: Customer Type Determination
Identify the customer type and applicable CDD requirements:
- **Individual**: Standard identity verification + source of wealth
- **Legal entity**: Identity of entity + Beneficial Ownership (BO) 25% threshold rule (US FinCEN; EU 4AMLD uses 25%)
- **Financial institution**: Correspondent banking due diligence
- **PEP (Politically Exposed Person)**: Automatic EDD trigger
- **Nonprofit/NGO**: Heightened scrutiny for TBML/TF risk

### Step 2: Standard CDD Requirements
**Individual Customer:**
| Document Required | Collected (Y/N) | Notes |
|-----------------|----------------|-------|
| Government-issued photo ID | | |
| Date of birth | | |
| Address verification | | |
| Tax ID (SSN/EIN/TIN) | | |
| Source of funds | | |
| Source of wealth | | |
| PEP screening | | |
| OFAC SDN screen | | |
| Adverse media search | | |

**Legal Entity Customer:**
| Document Required | Collected (Y/N) | Notes |
|-----------------|----------------|-------|
| Certificate of Incorporation / Articles | | |
| Operating Agreement or Bylaws | | |
| EIN / Business registration | | |
| Beneficial Ownership Certification (FinCEN form) | | |
| List of all individuals owning ≥ 25% | | |
| Controlling person identification | | |
| Business purpose and description | | |
| Expected account activity | | |
| OFAC/SDN screen (all BOs) | | |
| Adverse media (entity + all BOs) | | |

### Step 3: Beneficial Ownership Mapping
For all legal entity customers, map the ownership structure:

```
[Customer Entity]
    |
    ├── [Owner 1]: [X]% — ID collected: Y/N
    ├── [Owner 2]: [X]% — ID collected: Y/N
    └── [Owner 3 (another entity)]: [X]%
              |
              ├── [Ultimate BO 3a]: [X]% — ID collected: Y/N
              └── [Ultimate BO 3b]: [X]% — ID collected: Y/N
```

Flag if ownership structure is opaque (shell company chains, nominee arrangements, trust structures without disclosed settlor/beneficiaries).

### Step 4: Risk Rating
Score each factor (Low/Medium/High):
| Risk Factor | Score | Reason |
|------------|-------|--------|
| Geography (customer and counterparties) | | |
| Industry/business type | | |
| Products and services used | | |
| Expected transaction volume | | |
| PEP status | | |
| Adverse media | | |
| Ownership transparency | | |
| **Overall Risk Rating** | **Low/Medium/High** | |

**EDD Triggers (requires Enhanced Due Diligence):**
- PEP or PEP associate
- High-risk jurisdiction (FATF grey/black list, OFAC sanctions)
- Cash-intensive business
- Adverse media hits
- Private banking client with > $[X]M assets
- Unusual ownership structure

### Step 5: CDD Summary & Sign-Off
---
**KYC/CDD FILE SUMMARY**
Customer: [Name] | Account: [#] | Date: [date]
Risk Rating: [Low / Medium / High / EDD Required]

Documents Collected: [list]
Documents Outstanding: [list]

EDD Required: Y/N | Reason: [trigger]
Approved by: [KYC Analyst] | Reviewed by: [Team Lead]
Next Review Date: [Low = 3yr / Med = 2yr / High = 1yr / EDD = 6mo]

Notes: [any exceptions, approvals, or special circumstances]
---