CDD/EDD Risk Assessment Analyzer
Analyze customer profiles and ownership structures against AML red flags for risk scoring
What You Can Do
This skill enables you to conduct systematic Customer Due Diligence and Enhanced Due Diligence assessments by evaluating customer profiles, beneficial ownership transparency, transaction behavior, and regulatory red flags. You'll generate structured risk scores that support compliance documentation, identify UBO verification gaps, and escalate high-risk customer segments (PEPs, sanctioned jurisdictions, complex entities) with clear justification for relationship managers and compliance teams.
Features
evaluate demographic data, business type, and stated purpose against risk indicators
identify UBO verification gaps and flag opaque ownership structures requiring escalation
compare customer spending, fund sources, and transaction types against stated business profile
systematize screening against AML typologies, PEP indicators, and jurisdiction-based risks
produce standardized numerical and categorical risk ratings (low/medium/high/critical) with supporting rationale
highlight customers/entities linked to OFAC, EU sanctions, or other restricted geographies
identify missing KYC elements, attestations, or certifications needed for compliance files
generate structured narratives explaining why customers require enhanced due diligence review
Example Output
Example 1: New Account CDD Assessment
Customer: ABC Trading LLC, Delaware incorporation, stated purpose: import/export Risk Score: MEDIUM (6.5/10)
Findings:
- ✓ Clear beneficial ownership (single owner, US resident)
- ⚠ Jurisdiction concern: Recent transactions to Hong Kong and UAE
- ⚠ UBO verification: Self-certification only, no supporting docs
- ✓ Transaction patterns align with stated business
Recommendation: Approve with ongoing monitoring; request UBO documentation within 30 days.
Example 2: EDD Review - PEP Identified
Customer: Global Consulting Partners, beneficial owner flagged as politically exposed person (former minister) Risk Score: CRITICAL (9.2/10)
Findings:
- 🚩 PEP status: Former government official with ongoing political connections
- 🚩 Opaque structure: 3-layer holding company across 5 jurisdictions
- 🚩 High-risk geography: 40% of transactions to FATF grey-list countries
- ⚠ Wealth justification: Income sources not adequately documented
Recommendation: Escalate to Chief Compliance Officer; consider enhanced monitoring or account closure.
What's Included
- SKILL.md instruction file with core CDD/EDD framework and regulatory guardrails:
- Risk Scoring Matrix: standardized numeric and categorical rating system with red flag thresholds
- CDD Assessment Template: structured customer profile intake checklist (entity type, business, beneficial owners, transaction profile)
- EDD Escalation Checklist: PEP/sanction/jurisdiction/complexity triggers with documentation requirements
- Red Flag Reference Library: AML typologies, beneficial ownership opacity indicators, and transaction pattern anomalies by business type
Who It's For
- BSA/AML Officers — conducting initial and periodic due diligence assessments on customer accounts
- Compliance Managers — reviewing escalations and generating risk-based account decision documentation
- Relationship Managers — justifying account restrictions or enhanced monitoring to customers and executives
- Onboarding Specialists — systematizing KYC verification for new account opening workflows
- Internal Audit/Compliance Teams — evaluating CDD adequacy across portfolios and identifying documentation gaps
Best For
- New account CDD assessments for corporate and individual customers
- Enhanced Due Diligence reviews for high-risk customer segments (PEPs, high-net-worth individuals, complex entities)
- Beneficial ownership structure verification and UBO identification challenges
- Transaction pattern anomaly analysis against customer risk profile and stated business purpose
- Periodic risk review updates for existing high-risk accounts and relationship escalations
- Compliance documentation and justification for risk-based account decisions
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