Sanctions Screening & Compliance Analysis
Screen sanctions exposure and document AML/BSA compliance decisions
What You Can Do
You can conduct multi-source sanctions screening on customers, counterparties, and beneficial owners; assess regulatory risk for complex transaction scenarios; determine Enhanced Due Diligence (EDD) necessity; and document compliance findings with reasoning that withstands OFAC enforcement scrutiny. The skill integrates customer due diligence protocols, sanctions jurisdiction analysis, and transaction authorization logic to streamline BSA/AML decision-making.
Features
evaluate blocked parties, SDN list matches, and jurisdictional risk across customer portfolios
apply tiered due diligence (CDD/EDD) based on sanctions exposure and transaction flags
trace ownership structures and screen principals against sanctions lists
evaluate wire transfers, correspondent banking relationships, and cross-border flows for sanctions compliance
document screening decisions with risk reasoning and audit trails defensible under regulatory review
assess sectoral and comprehensive sanctions exposure by country and transaction type
structure documented responses to OFAC/FinCEN questions about specific screening determinations
evaluate sub-processors and correspondent banks for sanctions compliance obligations
Example Output
Customer Onboarding Screening Memo:
- Customer: Acme Trading Ltd, Dubai UAE
- Risk Factors: UAE residency, energy sector, wire transfer volume $2M+
- Screening Result: No SDN/blocked party match; UAE not comprehensively sanctioned
- Determination: CDD sufficient; no EDD required based on jurisdiction
- Documentation: Screening date, sources checked, risk assessment logic
Transaction Risk Assessment:
- Beneficiary: Company registered in Iran-adjacent jurisdiction
- Transaction: $500K wire transfer via correspondent bank
- Finding: Beneficial owner verification incomplete; potential sectoral sanctions exposure
- Recommendation: Enhanced beneficial ownership review; escalate for Legal review before authorization
Compliance Memo — High-Risk Relationship:
- Party: Individual with name similarity to sanctioned entity
- Analysis: Fuzzy match investigation; birth date/nationality eliminate false positive
- Conclusion: Cleared for continued banking relationship with documented false positive reasoning
What's Included
- SKILL.md instruction file: systematic sanctions screening and compliance analysis framework
- Customer Risk Assessment Template: tiered screening checklist (CDD/EDD triggers, beneficial ownership verification)
- Transaction Authorization Checklist: wire transfer, correspondent banking, and cross-border flow screening criteria
- Compliance Memorandum Framework: documented decision template with risk reasoning and audit trail
- OFAC Regulatory Response Template: structured format for responding to FinCEN/OFAC inquiries with defensible documentation
Who It's For
- BSA/AML Officers — conducting daily sanctions screening and compliance determinations
- Compliance Managers — overseeing transaction monitoring and sanctions risk frameworks
- Correspondent Banking Teams — evaluating international counterparty sanctions exposure
- Customer Onboarding Specialists — applying risk-based due diligence during account opening
- Regulatory Response Teams — documenting compliance decisions for OFAC/FinCEN examination
Best For
- Initial customer sanctions screening and beneficial ownership verification
- High-risk transaction flag assessment and authorization decisions
- Enhanced Due Diligence (EDD) determination and jurisdiction risk analysis
- Compliance memoranda and audit trail documentation for regulatory examination
- Regulatory inquiry responses with defensible compliance reasoning
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