SAR Filing Analysis & Compliance Assistant
Automate SAR review, compliance validation, and FinCEN filing readiness
What You Can Do
This skill systematically evaluates potential SAR transactions against FinCEN requirements, applies current AML guidance to determine filing necessity, validates documentation completeness, and surfaces high-risk patterns requiring escalation. You'll receive structured compliance assessments, gap identification reports, and filing readiness checklists that reduce review cycles and ensure consistent threshold application across your SAR portfolio.
Features
Evaluates whether activity meets the $5,000 SAR filing threshold and specified unlawful activity (SUA) criteria
Verifies SAR documentation against current FinCEN guidance and BSA/AML regulatory requirements
Flags missing information, incomplete narratives, or insufficient evidence before FinCEN submission
Provides go/no-go recommendations with decision rationale and supporting analysis
Analyzes whether multiple transactions should be grouped into a single SAR filing
Identifies suspicious cross-border activity, structuring indicators, and high-risk customer behavior patterns
Enables senior officers to review and validate SAR determinations prepared by junior compliance staff
Assesses whether to file SARs for closed accounts and dormant relationships
Example Output
SAR Filing Readiness Assessment:
✓ Transaction meets $5,000 threshold (flagged amount: $24,500) ✓ Activity consistent with specified unlawful activity criteria (potential structuring pattern identified) ✗ Documentation gap: Customer beneficial ownership information incomplete ✗ Documentation gap: Transaction purpose narrative lacks sufficient detail
Compliance Validation:
- FinCEN guidance alignment: Compliant with current SAR filing requirements
- Related transactions: 3 additional transactions identified for consolidation into single SAR
- High-risk patterns detected: 8 transactions over 6 months suggest intentional structuring
Recommendation: File SAR with documentation supplementation. Priority: Address beneficial ownership and narrative gaps before FinCEN submission (estimated 2-3 hours).
What's Included
- SKILL.md instruction file with SAR evaluation workflows:
- SAR Filing Readiness Checklist: step-by-step compliance validation framework
- FinCEN Threshold & SUA Reference Guide: current regulatory thresholds and unlawful activity definitions
- Documentation Gap Assessment Template: identifies missing information and remediation steps
- SAR Decision Rationale Framework: structured templates for documenting file/no-file determinations
Who It's For
- BSA/AML Compliance Officers managing SAR portfolios and FinCEN submissions
- AML Analysts conducting transaction reviews and suspicion evaluations
- Compliance Managers overseeing quality assurance of SAR documentation
- Compliance Training Coordinators using the skill to standardize SAR procedures
- Financial Institution Compliance Directors ensuring regulatory alignment across filing processes
Best For
- Pre-filing SAR documentation review and completeness validation
- Determining SAR filing necessity based on transaction thresholds and SUA criteria
- Quality assurance reviews of SAR filings prepared by junior compliance staff
- Consolidating related transactions into compliant multi-transaction SARs
- Documenting file/no-file decision rationale for regulatory examination readiness
You might also like
You can analyze entire Android Jetpack Compose codebases or specific modules to uncover architectural and performance issues. The skill scans your source code against four critical categories—performance, state management, side effects, and composable API quality—scoring each from 0–10 and delivering an evidence-based markdown report that prioritizes the most impactful fixes first.
by eternaljust
You can analyze stocks and portfolios for dividend quality, calculate sustainable yield targets, and develop personalized dividend strategies aligned with your income goals. The skill evaluates dividend safety metrics like payout ratios and growth history, then recommends optimal allocation strategies to maximize income while managing risk.
by eternaljust
You can conduct comprehensive wealth structure reviews that evaluate tax efficiency across jurisdictions, identify asset protection gaps, and align structures with succession and legacy objectives. The skill helps you map existing entity layers, spot redundancies, model optimization scenarios, and present data-driven recommendations that balance regulatory compliance with client risk tolerance and control preferences.
by eternaljust
This skill analyzes dividend stocks and constructs diversified dividend portfolios tailored to your investment goals and risk tolerance. You can evaluate individual dividend payers for yield, sustainability, and growth potential, then combine them into coherent strategies (value, growth, balanced) with specific allocation weights and rebalancing guidelines. The skill generates actionable recommendations backed by fundamental analysis and portfolio theory.
by eternaljust
Conduct thorough, documented customer risk assessments using structured compliance decision trees aligned with FinCEN, OFAC, and BSA standards. You'll evaluate customer information, identify regulatory red flags, determine appropriate risk classifications, and generate audit-ready documentation that demonstrates defensible decision-making during regulatory examinations. This skill accelerates due diligence while reducing compliance gaps and creating the paper trail regulators expect.
by eternaljust
You can rapidly process consumer loan applications by analyzing creditworthiness across multiple dimensions—debt ratios, credit patterns, employment stability, and compensating factors—while documenting decisions for audit trails and fair lending compliance. The skill identifies red flags, calculates risk scores, and produces underwriting summaries that justify approval or denial decisions to compliance teams and loan committees.
by eternaljust
You can upload loan packages—financial statements, appraisals, market data, and sponsor documentation—and Claude organizes this information into structured underwriting memos. The skill calculates key CRE metrics (DSCR, LTV, debt yield), evaluates sponsor capacity and property fundamentals, identifies risk factors across market, property, and structural dimensions, and delivers defensible credit recommendations with scenario analysis.
by eternaljust
You can conduct comprehensive documentation audits on jumbo mortgage files ($766,550+) to catch compliance issues, missing documentation, and investor-specific requirements before they derail closing. The skill maps file contents against jumbo-specific underwriting standards, flags high-risk gaps, and generates prioritized remediation plans with clear action items for processors and closers.
by eternaljust