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ONBOARDING SKILL.md - Complete Implementation

ONBOARDING SKILL.md - 完整实现

Author: Vyayasan Version: 1.0.0 Status: Production Ready - Final Locked Version
作者： Vyayasan 版本： 1.0.0 状态： 生产就绪 - 最终锁定版本

SKILL OVERVIEW

SKILL 概述

This SKILL defines the complete KYC onboarding workflow with mandatory Step 0 independent verification, case folder auto-creation, and locked template enforcement.
Trigger: 
/kyc-analyst:onboard [Customer Name] [Country]
Stagegate Enforcement: This skill enforces 17 mandatory stagegates with explicit analyst consent at each gate. See 
commands/onboard.md
for the full stagegate specification.
MCP Integration: Uses ~~browser (Claude in Chrome) for web research, ~~excel (openpyxl) for dashboards, ~~pdf (fpdf2) for reports. See 
CONNECTORS.md
for full connector reference.
此 SKILL 定义完整的 KYC 客户准入工作流，强制执行 Step 0 独立核验、案件文件夹自动创建以及锁定模板。
触发命令： 
/kyc-analyst:onboard [Customer Name] [Country]
Stagegate 强制执行： 此 SKILL 强制实施 17 个必需的 stagegate，且每个阶段均需获得分析员明确同意。完整的 stagegate 规范见 
commands/onboard.md
。
MCP 集成： 使用 ~~browser (Claude in Chrome) 进行网络调研，使用 ~~excel (openpyxl) 生成仪表板，使用 ~~pdf (fpdf2) 生成报告。完整的连接器参考见 
CONNECTORS.md
。

STEP 0: MANDATORY INDEPENDENT VERIFICATION

STEP 0：强制独立核验

Why Step 0 is Mandatory

为什么 Step 0 是强制要求

Regulatory Requirement: AMLD5 Article 10(a) and UK MLR 2017 Regulation 19 require independent verification using "reliable, independent source documents, data or information."
Analyst Compliance Duty: Analyst must verify customer declarations independently. Cannot rely solely on what customer claims - must verify through independent sources.
This Skill Enforces: No proceeding to traditional onboarding until Step 0 is complete and clear.
监管要求： AMLD5 第 10(a) 条和 UK MLR 2017 第 19 条要求使用“可靠、独立的来源文件、数据或信息”进行独立核验。
分析员合规职责： 分析员必须独立核验客户声明。不得仅依赖客户的陈述，必须通过独立来源进行核验。
此 SKILL 强制要求： 在 Step 0 完成且结果明确之前，不得进入传统客户准入流程。

Step 0 Process Flow

Step 0 流程

COMMAND INVOKED
    ↓
CREATE CASE FOLDER (KYC-[DATE]-[TYPE]-[NAME]-[SEQ])
    ↓
BEGIN STEP 0 - INDEPENDENT VERIFICATION
    ↓
SEARCH 1: Adverse Media ─→ DOCUMENT FINDINGS
SEARCH 2: Directorships ─→ DOCUMENT FINDINGS
SEARCH 3: PEP Status ────→ DOCUMENT FINDINGS
SEARCH 4: Professional Background → DOCUMENT FINDINGS
SEARCH 5: Sanctions/Crime ──→ DOCUMENT FINDINGS
    ↓
ANALYSIS & DECISION
    ↓
All Clear? → YES → Proceed to Step 1
    ↓ NO (DISCREPANCIES FOUND)
ESCALATE → Manager Review Required
COMMAND INVOKED
    ↓
CREATE CASE FOLDER (KYC-[DATE]-[TYPE]-[NAME]-[SEQ])
    ↓
BEGIN STEP 0 - INDEPENDENT VERIFICATION
    ↓
SEARCH 1: Adverse Media ─→ DOCUMENT FINDINGS
SEARCH 2: Directorships ─→ DOCUMENT FINDINGS
SEARCH 3: PEP Status ────→ DOCUMENT FINDINGS
SEARCH 4: Professional Background → DOCUMENT FINDINGS
SEARCH 5: Sanctions/Crime ──→ DOCUMENT FINDINGS
    ↓
ANALYSIS & DECISION
    ↓
All Clear? → YES → Proceed to Step 1
    ↓ NO (DISCREPANCIES FOUND)
ESCALATE → Manager Review Required

Five Mandatory Searches - Detailed

五项强制搜索详解

SEARCH 1: ADVERSE MEDIA & NEWS

SEARCH 1：负面新闻

Objective: Identify any negative news, criminal records, regulatory violations, financial crime
Search Strategy:
Sources:
- Google News: "[Customer Name]" crime/fraud/scandal
- BBC News: "[Customer Name]" conviction
- Reuters: "[Customer Name]" regulatory action
- Companies House: Search for insolvency notices
- FCA Register: Check for regulatory action
- UK Media Index: General news scan
What to Document:
  • Criminal records (yes/no)
  • Regulatory violations (yes/no)
  • Financial crime (yes/no)
  • Bankruptcy/insolvency (yes/no)
  • Adverse media (yes/no)
Decision Rule:
  • All CLEAR → Continue to next search
  • Any FINDINGS → Document, assess severity
目标： 识别任何负面新闻、刑事记录、监管违规或金融犯罪活动
搜索策略：
Sources:
- Google News: "[Customer Name]" crime/fraud/scandal
- BBC News: "[Customer Name]" conviction
- Reuters: "[Customer Name]" regulatory action
- Companies House: Search for insolvency notices
- FCA Register: Check for regulatory action
- UK Media Index: General news scan
需要记录的内容：
  • 刑事记录（是/否）
  • 监管违规（是/否）
  • 金融犯罪（是/否）
  • 破产/资不抵债（是/否）
  • 负面新闻（是/否）
决策规则：
  • 全部无发现 → 继续下一项搜索
  • 发现任何问题 → 记录并评估严重程度

SEARCH 2: COMPANY DIRECTORSHIPS

SEARCH 2：公司董事任职

Objective: Identify ALL company involvement, directorships, beneficial ownership
Search Strategy:
Sources:
- Companies House: Direct officer search for [Customer Name]
- Companies House: Company search for any businesses
- Business registries: Director and shareholder registrations
- Corporate databases: Cross-verification
What to Document:
  • Company name
  • Position (director, shareholder, officer)
  • Status (active/dormant)
  • Appointment date
  • Any conflicts or patterns
  • Shell company assessment
Critical Findings - Escalate If:
  • Multiple undisclosed directorships
  • Director at company customer also works for
  • Shell company patterns
  • Beneficial ownership unclear
目标： 识别所有公司关联、董事任职和受益所有权情况
搜索策略：
Sources:
- Companies House: Direct officer search for [Customer Name]
- Companies House: Company search for any businesses
- Business registries: Director and shareholder registrations
- Corporate databases: Cross-verification
需要记录的内容：
  • 公司名称
  • 职位（董事、股东、高管）
  • 状态（在营/休眠）
  • 任命日期
  • 任何冲突或异常模式
  • 空壳公司评估
严重发现——出现以下情况时升级上报：
  • 多项未披露的董事任职
  • 客户公司董事同时在另一家公司任职
  • 存在空壳公司模式
  • 受益所有权不明确

SEARCH 3: PEP STATUS (Politically Exposed Person)

SEARCH 3：PEP 身份（政治公众人物）

Objective: Identify political exposure requiring Enhanced Due Diligence
Search Strategy:
Sources:
- UK Government PEP Database
- Electoral Commission (candidacy/office)
- International PEP Lists
- Government employee records
What to Document:
  • Current political positions (yes/no)
  • Previous political positions (yes/no)
  • Family member PEP status (yes/no)
  • Close associates with political exposure (yes/no)
Decision Rule:
  • PEP identified → Triggers EDD
  • Family PEP identified → Document relationship
  • Clear → Continue
目标： 识别需要接受增强型尽职调查的政治关联情况
搜索策略：
Sources:
- UK Government PEP Database
- Electoral Commission (candidacy/office)
- International PEP Lists
- Government employee records
需要记录的内容：
  • 当前政治职务（是/否）
  • 过往政治职务（是/否）
  • 家庭成员 PEP 身份（是/否）
  • 具有政治关联风险的密切关联人（是/否）
决策规则：
  • 识别为 PEP → 触发 EDD
  • 识别为家庭成员 PEP → 记录关系
  • 未发现异常 → 继续

SEARCH 4: PROFESSIONAL BACKGROUND

SEARCH 4：职业背景

Objective: Verify occupation claims independently
Search Strategy:
Sources:
- LinkedIn: Employment history, current roles
- Company websites: Staff directory, team pages
- Business registry: Company ownership, director roles
- News: Business announcements, funding rounds
What to Document:
  • Current employment (company, position, title)
  • Employment status (employed/self-employed/director)
  • Business activities claimed vs. verified
  • Professional credentials
  • Income sources identified
Critical Discrepancies - Escalate If:
  • Declared self-employed but employed elsewhere
  • Undisclosed business roles or directorships
  • Business claims cannot be verified
  • Source of funds misrepresented
  • Pattern of non-disclosure evident
目标： 独立核验客户的职业声明
搜索策略：
Sources:
- LinkedIn: Employment history, current roles
- Company websites: Staff directory, team pages
- Business registry: Company ownership, director roles
- News: Business announcements, funding rounds
需要记录的内容：
  • 当前就业情况（公司、职位、头衔）
  • 就业状态（受雇/自雇/董事）
  • 已声明与已核验的商业活动
  • 职业资质
  • 已识别的收入来源
严重差异——出现以下情况时升级上报：
  • 声明为自雇，但实际受雇于其他机构
  • 存在未披露的商业角色或董事任职
  • 商业声明无法核验
  • 错误陈述资金来源
  • 存在明显的隐瞒模式

SEARCH 5: SANCTIONS & FINANCIAL CRIME

SEARCH 5：制裁与金融犯罪

Objective: Confirm no sanctions matches or financial crime involvement
Search Strategy:
Sources:
- OFAC Specially Designated Nationals List
- EU Consolidated Sanctions List
- UK Sanctions Regime
- UN Security Council Consolidated List
- Interpol Database
What to Document:
  • OFAC match (yes/no)
  • EU sanctions (yes/no)
  • UK sanctions (yes/no)
  • UN sanctions (yes/no)
  • Criminal convictions (yes/no)
  • Interpol notices (yes/no)
Decision Rule:
  • Any match → IMMEDIATE ESCALATION
  • All clear → Continue
目标： 确认不存在制裁名单匹配或金融犯罪关联
搜索策略：
Sources:
- OFAC Specially Designated Nationals List
- EU Consolidated Sanctions List
- UK Sanctions Regime
- UN Security Council Consolidated List
- Interpol Database
需要记录的内容：
  • OFAC 匹配（是/否）
  • EU 制裁（是/否）
  • UK 制裁（是/否）
  • UN 制裁（是/否）
  • 刑事定罪（是/否）
  • Interpol 通报（是/否）
决策规则：
  • 任何匹配 → 立即升级上报
  • 全部无发现 → 继续

Step 0 Report Template

Step 0 报告模板

File Created: 
STEP_0_VERIFICATION_REPORT.md
(LOCKED TEMPLATE)
Required Sections:
markdown
undefined
创建的文件： 
STEP_0_VERIFICATION_REPORT.md
（锁定模板）
必需章节：
markdown
undefined

STEP 0 VERIFICATION REPORT

STEP 0 VERIFICATION REPORT

Search 1: Adverse Media

Search 1: Adverse Media

[Findings documented]
[Findings documented]

Search 2: Directorships

Search 2: Directorships

[All companies listed with details]
[All companies listed with details]

Search 3: PEP Status

Search 3: PEP Status

[PEP assessment]
[PEP assessment]

Search 4: Professional Background

Search 4: Professional Background

[Occupation and business verification]
[Occupation and business verification]

Search 5: Sanctions & Crime

Search 5: Sanctions & Crime

[Sanctions screening results]
[Sanctions screening results]

DECISION GATE ANALYSIS

DECISION GATE ANALYSIS

[Summary of findings]
[Summary of findings]

Material Misrepresentation Assessment

Material Misrepresentation Assessment

[If discrepancies found]
[If discrepancies found]

Step 0 Decision: [PROCEED / ESCALATE]

Step 0 Decision: [PROCEED / ESCALATE]

[Decision logic]
[Decision logic]

Certification

Certification

[Analyst sign-off]
undefined
[Analyst sign-off]
undefined

Step 0 Decision Gate

Step 0 决策门

PROCEED Criteria (All Required):
  • ✓ All five searches completed
  • ✓ No material discrepancies found
  • ✓ Declarations verified or clarified
  • ✓ No escalation triggers
  • ✓ Step 0 Report signed off
ESCALATE Criteria (Any Found):
  • ✗ Material misrepresentation identified
  • ✗ Multiple undisclosed directorships
  • ✗ Sanctions match found
  • ✗ Financial crime indication
  • ✗ PEP status requiring EDD
  • ✗ Source of funds misrepresented
  • ✗ Pattern of intentional non-disclosure
PROCEED 条件（必须全部满足）：
  • ✓ 五项搜索均已完成
  • ✓ 未发现重大差异
  • ✓ 客户声明已核验或得到澄清
  • ✓ 未触发任何升级条件
  • ✓ Step 0 报告已签署
ESCALATE 条件（发现任意一项即适用）：
  • ✗ 识别到重大虚假陈述
  • ✗ 多项未披露的董事任职
  • ✗ 发现制裁名单匹配
  • ✗ 存在金融犯罪迹象
  • ✗ PEP 身份需要接受 EDD
  • ✗ 错误陈述资金来源
  • ✗ 存在故意隐瞒模式

Step 0 Escalation Routing

Step 0 升级上报路径

Material Findings Escalate To:
  1. Primary: Compliance Manager (case assessment)
  2. Secondary: MLRO (if money laundering concern)
Information to Include:
  • Customer name and ID
  • Critical findings summary
  • Regulatory basis for escalation
  • Recommended actions
  • Supporting evidence
Manager Decision Options:
  1. Proceed with EDD (Enhanced Due Diligence)
  2. Contact customer for clarification
  3. Decline relationship
  4. Refer for SAR consideration
重大发现升级至：
  1. 主要接收人： 合规经理（案件评估）
  2. 次要接收人： MLRO（如涉及洗钱担忧）
需包含的信息：
  • 客户姓名和 ID
  • 关键发现摘要
  • 升级上报的监管依据
  • 建议措施
  • 支持性证据
经理决策选项：
  1. 接受 EDD（增强型尽职调查）后继续
  2. 联系客户进行澄清
  3. 拒绝建立关系
  4. 提交 SAR 审议

STEP 1: TRADITIONAL ONBOARDING (Post-Step 0)

STEP 1：传统客户准入（Step 0 完成后）

Proceeds Only If: Step 0 is complete and clear (or escalation resolved)
仅在以下情况下继续： Step 0 已完成且结果明确（或升级事项已解决）

Collection Phase

信息收集阶段

Gather required information:
  • Full personal identification (passport, ID)
  • Current address verification
  • Employment/business details
  • Source of funds documentation
  • Beneficial ownership (if applicable)
  • PEP disclosure
  • Sanctions screening confirmation
收集必需信息：
  • 完整个人身份信息（护照、身份证件）
  • 当前地址核验
  • 就业/业务详情
  • 资金来源证明文件
  • 受益所有权（如适用）
  • PEP 披露
  • 制裁筛查确认

Documentation Phase

文档编制阶段

Create case documents:
  • Customer profile
  • Risk assessment
  • Due diligence summary
  • Evidence file
创建案件文档：
  • 客户档案
  • 风险评估
  • 尽职调查摘要
  • 证据文件

Approval Phase

审批阶段

  • Compliance manager review
  • MLRO sign-off (if required)
  • Final approval decision
  • 合规经理审查
  • MLRO 签署（如需要）
  • 最终审批决定

CASE FOLDER AUTO-CREATION

案件文件夹自动创建

Naming Convention

命名规范

KYC-[YYYYMMDD]-[TYPE_CODE]-[CUSTOMER_NAME]-[SEQUENCE]
Components:
  • YYYYMMDD: Application date
  • TYPE_CODE: ONB (onboarding), SCR (screening), REF (refresh), RAS (risk), AML (monitoring)
  • CUSTOMER_NAME: Last name (max 20 chars)
  • SEQUENCE: 001, 002, 003, etc. (handles multiple applications same date)
Example: 
KYC-20260202-ONB-SMITH-001
KYC-[YYYYMMDD]-[TYPE_CODE]-[CUSTOMER_NAME]-[SEQUENCE]
组成部分：
  • YYYYMMDD： 申请日期
  • TYPE_CODE： ONB（onboarding，入驻）、SCR（screening，筛查）、REF（refresh，更新）、RAS（risk，风险）、AML（monitoring，监测）
  • CUSTOMER_NAME： 姓氏（最多 20 个字符）
  • SEQUENCE： 001、002、003 等（用于处理同一天提交的多份申请）
示例： 
KYC-20260202-ONB-SMITH-001

Automatic Folder Structure

自动文件夹结构

Plugin creates (automatically):
001_CASE_METADATA/
├── CASE_METADATA.md (LOCKED TEMPLATE)

002_STEP_0_VERIFICATION/
├── STEP_0_VERIFICATION_REPORT.md (LOCKED TEMPLATE)
├── 001_Adverse_Media/
│   └── Search_1_Findings.md
├── 002_Directorships/
│   └── Search_2_Findings.md
├── 003_PEP_Status/
│   └── Search_3_Findings.md
├── 004_Professional_Background/
│   └── Search_4_Findings.md
└── 005_Sanctions_Crime/
    └── Search_5_Findings.md

003_EVIDENCE/
├── Identification documents
├── Address verification
├── Employment confirmation
└── Source of funds documentation

004_AUDIT_TRAIL/
├── AUDIT_TRAIL.md (LOCKED TEMPLATE)

005_ESCALATIONS/
├── ESCALATION_BRIEF.md (if applicable)
└── Manager Decision.md (if applicable)

006_COMMUNICATIONS/
├── Customer correspondence
└── Customer clarification requests

KYC_[CustomerName]_Findings_Report.xlsx
├── Executive Summary sheet
├── Step 0 Results sheet
├── Discrepancies sheet
└── Risk Assessment sheet
插件自动创建：
001_CASE_METADATA/
├── CASE_METADATA.md (LOCKED TEMPLATE)

002_STEP_0_VERIFICATION/
├── STEP_0_VERIFICATION_REPORT.md (LOCKED TEMPLATE)
├── 001_Adverse_Media/
│   └── Search_1_Findings.md
├── 002_Directorships/
│   └── Search_2_Findings.md
├── 003_PEP_Status/
│   └── Search_3_Findings.md
├── 004_Professional_Background/
│   └── Search_4_Findings.md
└── 005_Sanctions_Crime/
    └── Search_5_Findings.md

003_EVIDENCE/
├── Identification documents
├── Address verification
├── Employment confirmation
└── Source of funds documentation

004_AUDIT_TRAIL/
├── AUDIT_TRAIL.md (LOCKED TEMPLATE)

005_ESCALATIONS/
├── ESCALATION_BRIEF.md (if applicable)
└── Manager Decision.md (if applicable)

006_COMMUNICATIONS/
├── Customer correspondence
└── Customer clarification requests

KYC_[CustomerName]_Findings_Report.xlsx
├── Executive Summary sheet
├── Step 0 Results sheet
├── Discrepancies sheet
└── Risk Assessment sheet

LOCKED TEMPLATES - IMMUTABLE FORMAT

锁定模板——不可变格式

Template 1: CASE_METADATA.md

模板 1：CASE_METADATA.md

Purpose: Single source of truth for case identification
Structure (Locked):
markdown
undefined
用途： 案件识别的唯一事实来源
结构（锁定）：
markdown
undefined

CASE METADATA - LOCKED TEMPLATE

CASE METADATA - LOCKED TEMPLATE

CASE IDENTIFICATION

CASE IDENTIFICATION

Case ID, Type, Customer, Application Date, Analyst
Case ID, Type, Customer, Application Date, Analyst

CUSTOMER DETAILS

CUSTOMER DETAILS

Name, Email, Nationality, Residence, DOB, Passport
Name, Email, Nationality, Residence, DOB, Passport

DECLARED BUSINESS PROFILE

DECLARED BUSINESS PROFILE

[Customer's declared information]
[Customer's declared information]

CASE STATUS TIMELINE

CASE STATUS TIMELINE

[Chronological updates with dates]
[Chronological updates with dates]

CASE STATUS

CASE STATUS

[Current status]
[Current status]

RISK ASSESSMENT

RISK ASSESSMENT

[Geographic %, Customer %, Product %, Channel %]
[Geographic %, Customer %, Product %, Channel %]

NEXT STEPS

NEXT STEPS

[Ordered action items]

**Modification Rule:** Sections locked, content within sections editable
[Ordered action items]

**修改规则：** 章节结构锁定，章节内内容可编辑

Template 2: STEP_0_VERIFICATION_REPORT.md

模板 2：STEP_0_VERIFICATION_REPORT.md

Purpose: Regulatory compliance evidence
Structure (Locked):
markdown
undefined
用途： 监管合规证据
结构（锁定）：
markdown
undefined

STEP 0 VERIFICATION REPORT - LOCKED TEMPLATE

STEP 0 VERIFICATION REPORT - LOCKED TEMPLATE

SEARCH 1-5 SECTIONS

SEARCH 1-5 SECTIONS

[Each with structured findings]
[Each with structured findings]

STEP 0 DECISION GATE ANALYSIS

STEP 0 DECISION GATE ANALYSIS

[Summary and decision logic]
[Summary and decision logic]

CERTIFICATION & SIGN-OFF

CERTIFICATION & SIGN-OFF

[Analyst certification]

**Modification Rule:** Format locked, findings editable
[Analyst certification]

**修改规则：** 格式锁定，发现内容可编辑

Template 3: AUDIT_TRAIL.md

模板 3：AUDIT_TRAIL.md

Purpose: Immutable chronological log
Structure (Fully Locked):
markdown
undefined
用途： 不可变时序日志
结构（完全锁定）：
markdown
undefined

AUDIT TRAIL - IMMUTABLE LOG

AUDIT TRAIL - IMMUTABLE LOG

CHRONOLOGICAL ACTION LOG

CHRONOLOGICAL ACTION LOG

[Timestamped table of all actions]
[Timestamped table of all actions]

FINDINGS SUMMARY

FINDINGS SUMMARY

[Summary of findings]
[Summary of findings]

REGULATORY COMPLIANCE NOTES

REGULATORY COMPLIANCE NOTES

[Compliance requirements met]

**Modification Rule:** Auto-generated, non-editable

---
[Compliance requirements met]

**修改规则：** 自动生成，不可编辑

---

EXCEL REPORT AUTO-GENERATION

Excel 报告自动生成

Plugin creates professional Excel report with:
Sheet 1: Executive Summary
  • Case ID, Customer, Date, Status
  • All five searches with results
  • Key findings
  • Decision: PROCEED or ESCALATE
Sheet 2: Step 0 Searches
  • Search 1-5 results in detail
  • Severity assessment
  • Sources documented
Sheet 3: Discrepancies (if any)
  • Declared vs. Actual comparison
  • Discrepancy analysis
  • Severity levels
Sheet 4: Risk Assessment
  • Geographic risk %
  • Customer risk %
  • Product risk %
  • Channel risk %
  • Overall risk level
插件自动创建专业 Excel 报告，包含：
工作表 1：Executive Summary
  • 案件 ID、客户、日期、状态
  • 五项搜索及其结果
  • 关键发现
  • 决定：PROCEED 或 ESCALATE
工作表 2：Step 0 Searches
  • 搜索 1-5 的详细结果
  • 严重程度评估
  • 已记录的来源
工作表 3：Discrepancies（如有）
  • 声明信息与实际情况对比
  • 差异分析
  • 严重程度等级
工作表 4：Risk Assessment
  • 地理风险 %
  • 客户风险 %
  • 产品风险 %
  • 渠道风险 %
  • 总体风险等级

QUALITY ASSURANCE CHECKPOINTS

质量保证检查点

Checkpoint 1: Step 0 Completeness

检查点 1：Step 0 完整性

  • All five searches documented
  • All findings entered with sources
  • Discrepancies identified
  • Decision gate applied
  • 五项搜索均已记录
  • 所有发现均已填写并附有来源
  • 已识别差异
  • 已执行决策门

Checkpoint 2: Documentation Accuracy

检查点 2：文档准确性

  • Case folder properly named
  • Locked templates enforced
  • Excel report generated
  • Audit trail created
  • 案件文件夹命名正确
  • 已强制执行锁定模板
  • 已生成 Excel 报告
  • 已创建审计追踪

Checkpoint 3: Regulatory Compliance

检查点 3：监管合规

  • AMLD5 Article 10 requirements met
  • UK MLR Regulation 19 compliance
  • FCA guidance followed
  • Independent sources used
  • 满足 AMLD5 第 10 条要求
  • 符合 UK MLR 第 19 条
  • 遵循 FCA 指引
  • 已使用独立来源

Checkpoint 4: Decision Logic

检查点 4：决策逻辑

  • PROCEED decision justified
  • ESCALATE decision documented
  • Manager escalation routed
  • Next steps clear
  • PROCEED 决定有充分依据
  • ESCALATE 决定已记录
  • 经理升级上报路径已执行
  • 后续步骤清晰明确

COMMON MISTAKES TO AVOID

常见错误及避免方法

❌ Mistake 1: Accepting customer declarations without independent verification ✓ Correct: Complete all five searches regardless of what customer says
❌ Mistake 2: Skipping Step 0 for "low-risk" customers ✓ Correct: Step 0 is mandatory for ALL customers
❌ Mistake 3: Using single search instead of five ✓ Correct: All five searches required; each adds unique information
❌ Mistake 4: Modifying locked template format ✓ Correct: Locked templates maintain consistency; modify content, not format
❌ Mistake 5: Proceeding with onboarding despite critical findings ✓ Correct: Escalate when discrepancies found; don't override decision gate
❌ 错误 1： 接受客户声明而未进行独立核验 ✓ 正确做法： 无论客户如何声明，均完成全部五项搜索
❌ 错误 2： 对“低风险”客户跳过 Step 0 ✓ 正确做法： Step 0 对所有客户均为强制要求
❌ 错误 3： 仅进行一次搜索而非五次搜索 ✓ 正确做法： 必须完成全部五项搜索；每项搜索都会提供独特信息
❌ 错误 4： 修改锁定模板的格式 ✓ 正确做法： 锁定模板用于保持一致性；应修改内容而非格式
❌ 错误 5： 存在严重发现时仍继续客户准入 ✓ 正确做法： 发现差异时升级上报，不得绕过决策门

WORKFLOW DECISION TREE

工作流决策树

START ONBOARDING
    ↓
CREATE CASE FOLDER
    ↓
BEGIN STEP 0
    ↓
    ┌─── SEARCH 1: ADVERSE MEDIA
    │         ↓
    │    Findings? → NO → Continue
    │         ↓ YES
    │    Document → Continue (to Search 2)
    │
    ├─── SEARCH 2: DIRECTORSHIPS
    │         ↓
    │    Findings? → NO → Continue
    │         ↓ YES
    │    Document → Continue (to Search 3)
    │
    ├─── SEARCH 3: PEP STATUS
    │         ↓
    │    PEP? → NO → Continue
    │       ↓ YES
    │    Document → Continue (to Search 4)
    │
    ├─── SEARCH 4: PROFESSIONAL BACKGROUND
    │         ↓
    │    Discrepancies? → NO → Continue
    │         ↓ YES
    │    Document → Continue (to Search 5)
    │
    └─── SEARCH 5: SANCTIONS/CRIME
             ↓
        Matches? → NO → STEP 0 COMPLETE
             ↓ YES
        IMMEDIATE ESCALATION
START ONBOARDING
    ↓
CREATE CASE FOLDER
    ↓
BEGIN STEP 0
    ↓
    ┌─── SEARCH 1: ADVERSE MEDIA
    │         ↓
    │    Findings? → NO → Continue
    │         ↓ YES
    │    Document → Continue (to Search 2)
    │
    ├─── SEARCH 2: DIRECTORSHIPS
    │         ↓
    │    Findings? → NO → Continue
    │         ↓ YES
    │    Document → Continue (to Search 3)
    │
    ├─── SEARCH 3: PEP STATUS
    │         ↓
    │    PEP? → NO → Continue
    │       ↓ YES
    │    Document → Continue (to Search 4)
    │
    ├─── SEARCH 4: PROFESSIONAL BACKGROUND
    │         ↓
    │    Discrepancies? → NO → Continue
    │         ↓ YES
    │    Document → Continue (to Search 5)
    │
    └─── SEARCH 5: SANCTIONS/CRIME
             ↓
        Matches? → NO → STEP 0 COMPLETE
             ↓ YES
        IMMEDIATE ESCALATION

STEP 0 ENFORCEMENT IN PLUGIN

插件中的 Step 0 强制执行

Built-In Gating:
Cannot proceed past Step 0 unless:
✓ All five searches completed
✓ Report generated and signed
✓ Decision documented
✓ Escalation (if needed) routed
This ensures:
  • No onboarding without independent verification
  • All findings captured and documented
  • Regulatory compliance automatic
  • Audit trail created
  • Manager review triggered for escalations
内置门控：
Cannot proceed past Step 0 unless:
✓ All five searches completed
✓ Report generated and signed
✓ Decision documented
✓ Escalation (if needed) routed
这确保：
  • 未经独立核验不得进入客户准入流程
  • 捕获并记录所有发现
  • 自动实现监管合规
  • 创建审计追踪
  • 对升级事项触发经理审查

SUMMARY: YOUR RESPONSIBILITIES

总结：你的职责

As Analyst:
  1. ✓ Execute each of five searches independently
  2. ✓ Document findings with sources
  3. ✓ Identify discrepancies
  4. ✓ Review Step 0 report
  5. ✓ Follow decision gate
  6. ✓ Escalate when required
As Manager:
  1. ✓ Review escalations
  2. ✓ Assess critical findings
  3. ✓ Make proceed/decline/EDD decision
  4. ✓ Document decision in case file
  5. ✓ Sign off completion
As Compliance:
  1. ✓ Audit case folders
  2. ✓ Verify locked templates maintained
  3. ✓ Review audit trails
  4. ✓ Spot-check findings accuracy
  5. ✓ Ensure regulatory compliance
Developed by: Vyayasan Version: 1.0.0 Date: 12 February 2026 Status: Production Ready - Final Locked Version
Stagegate Reference: See 
commands/onboard.md
for full 17-stagegate workflow specification. Connector Reference: See 
CONNECTORS.md
and 
MCP_INTEGRATION_GUIDE.md
for MCP tool integration.
作为分析员：
  1. ✓ 独立执行五项搜索
  2. ✓ 记录发现及其来源
  3. ✓ 识别差异
  4. ✓ 审查 Step 0 报告
  5. ✓ 遵循决策门
  6. ✓ 在需要时升级上报
作为经理：
  1. ✓ 审查升级事项
  2. ✓ 评估关键发现
  3. ✓ 作出继续/拒绝/EDD 决定
  4. ✓ 在案件文件中记录决定
  5. ✓ 签署完成确认
作为合规人员：
  1. ✓ 审计案件文件夹
  2. ✓ 验证锁定模板得到保留
  3. ✓ 审查审计追踪
  4. ✓ 抽查发现记录的准确性
  5. ✓ 确保符合监管要求
开发方： Vyayasan 版本： 1.0.0 日期： 2026 年 2 月 12 日 状态： 生产就绪 - 最终锁定版本
Stagegate 参考： 完整的 17-stagegate 工作流规范见 
commands/onboard.md
。 连接器参考： MCP 工具集成见 
CONNECTORS.md
和 
MCP_INTEGRATION_GUIDE.md
。