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Customer Refresh Skill - v1.0.0

客户信息更新 Skill - v1.0.0

Periodic customer review with independent re-verification to maintain ongoing due diligence compliance and detect material changes.
通过独立重新验证进行定期客户审核，以维持持续尽职调查合规性并发现重大变化。

Overview

概述

Refresh is mandatory continuing monitoring required under AMLD5 (UK/EU), FinCEN CDD Rule (US), and MENA regional regulations. This skill re-runs the Step 0 onboarding verification framework to establish whether material changes have occurred and risk profile remains appropriate.
Key Principle: Refresh detects what changed, not what was previously found.
客户信息更新是英国/欧盟AMLD5、美国FinCEN CDD规则以及中东和北非（MENA）地区监管要求下的强制性持续监控工作。本Skill会重新运行初始入职验证框架（Step 0），以确认是否发生重大变化以及风险状况是否仍然合适。
核心原则： 客户信息更新旨在检测发生的变化，而非重复之前已发现的内容。

Why Refresh Matters

客户信息更新的重要性

Regulatory frameworks across all jurisdictions mandate ongoing monitoring because:
  1. Risk Emergence: Beneficial ownership, regulatory status, and threat profiles evolve. A low-risk business can pivot to high-risk sectors; transparent ownership can become hidden.
  2. Sanction Exposure: Designation lists update monthly. Customers or their beneficial owners may become PEPs, fall under sanctions, or face criminal charges.
  3. Adverse Media Detection: News of regulatory enforcement, criminal convictions, or corruption allegations may not appear during onboarding but emerge later.
  4. Beneficial Ownership Verification: AMLD5 and FinCEN BOI Rule require periodic confirmation that beneficial ownership information remains accurate and complete.
所有司法管辖区的监管框架都要求持续监控，原因如下：
  1. 风险浮现： 实益所有权、监管状态和威胁状况会不断演变。低风险企业可能转向高风险领域；透明的所有权结构可能变得隐蔽。
  2. 制裁暴露： 制裁名单每月更新。客户或其实益所有人可能成为政治公众人物（PEP）、被列入制裁名单或面临刑事指控。
  3. 负面媒体检测： 监管执法、刑事定罪或腐败指控的新闻可能在入职阶段未出现，但在后续浮现。
  4. 实益所有权验证： AMLD5和FinCEN BOI规则要求定期确认实益所有权信息的准确性和完整性。

Refresh Intervals by Risk Category

按风险类别划分的更新间隔

See detailed regulatory requirements:
  • UK/EU: regulations-uk-eu.md
  • MENA: regulations-mena.md
  • US: regulations-us.md
Quick Reference:
  • HIGH: Annual (all regions)
  • MEDIUM: 24 months (UK/EU), 6 months (MENA)
  • LOW: 36 months (UK/EU), 12 months (MENA/US)
查看详细监管要求：
  • 英国/欧盟： regulations-uk-eu.md
  • 中东和北非（MENA）： regulations-mena.md
  • 美国： regulations-us.md
快速参考：
  • 高风险：每年一次（所有地区）
  • 中风险：24个月（英国/欧盟），6个月（MENA）
  • 低风险：36个月（英国/欧盟），12个月（MENA/美国）

Refresh Triggers

更新触发因素

See complete trigger library: refresh-triggers.md
Types of Triggers:
  • Time-based: Scheduled per risk category
  • Risk-based: Customer risk score change, business model shift, regulatory classification change
  • Event-based: Sanctions alert, adverse media, regulatory enforcement, MLRO escalation closure
查看完整触发因素库：refresh-triggers.md
触发因素类型：
  • 基于时间： 根据风险类别定期安排
  • 基于风险： 客户风险评分变化、业务模式转变、监管分类变更
  • 基于事件： 制裁警报、负面媒体报道、监管执法、MLRO升级结案

Step-by-Step Refresh Procedure

分步更新流程

Step 1: Initiate Refresh [HITL Checkpoint]

步骤1：启动更新 [人工检查节点]

Analyst Actions:
  1. Open customer profile and verify last refresh date vs. risk category
  2. Confirm trigger: Time-based, risk-based, or event-based (document in case file)
  3. Export original onboarding report to compare findings
  4. Review original 5 searches performed at Step 0 onboarding:
    • Search 1: Google/LinkedIn/Business Registry (public profile, business interests)
    • Search 2: Sanctions/Regulatory (OFAC/PEP databases, regulatory records)
    • Search 3: Adverse Media (news, adverse events, regulatory actions)
    • Search 4: Corporate Records (ownership structure, filings, director changes)
    • Search 5: Financial Risk (credit reports, industry risk indicators, market data)
Manager Checkpoint:
  • Confirm refresh is timely (not premature, not overdue)
  • Verify trigger is documented and justified
  • Approve proceeding to Step 2
分析师操作：
  1. 打开客户档案，验证上次更新日期与风险类别是否匹配
  2. 确认触发因素：基于时间、基于风险或基于事件（记录在案件文件中）
  3. 导出初始入职报告以对比结果
  4. 回顾初始入职Step 0执行的5项搜索：
    • 搜索1：谷歌/领英/商业注册机构（公开资料、业务兴趣）
    • 搜索2：制裁/监管数据库（OFAC/PEP数据库、监管记录）
    • 搜索3：负面媒体（新闻、负面事件、监管行动）
    • 搜索4：企业记录（所有权结构、备案文件、董事变更）
    • 搜索5：财务风险（信用报告、行业风险指标、市场数据）
经理检查节点：
  • 确认更新时机恰当（未提前、未逾期）
  • 验证触发因素已记录并合理
  • 批准进入步骤2

Step 2: Re-Run 5 Independent Searches [HITL Checkpoint]

步骤2：重新执行5项独立搜索 [人工检查节点]

Repeat exact searches from onboarding to establish fresh baseline.
Search 1: Public Profile & Business Interests
  • Google search: Customer name + company name
  • LinkedIn profile review
  • Company registry filings (Companies House UK, SEC Edgar US, local registries)
  • Business database review (Bloomberg, Crunchbase, business.gov.uk)
  • Compare to original: New directorships? Business pivots? Changed sectors?
Search 2: Sanctions & Regulatory Databases
  • OFAC SDN List (US)
  • EU Sanctions Lists
  • UK Office of Financial Sanctions Implementation (OFSI)
  • UN Consolidated Sanctions List
  • INTERPOL Red/Yellow Notices
  • Compare to original: Any new matches? Designations on family members?
Search 3: Adverse Media Review
  • Google News search (5-year lookback)
  • Reuters/Bloomberg news terminals
  • Adverse media monitoring service (LexisNexis, World-Check, Refinitiv)
  • Regulatory enforcement databases
  • Criminal record databases (jurisdiction-specific)
  • Compare to original: New media coverage? Regulatory actions? Criminal charges?
Search 4: Corporate Structure & Beneficial Ownership
  • Company registry beneficial ownership filings
  • Corporate structure diagrams (if available from data providers)
  • Director and shareholder searches
  • Related entity searches (common shareholders, directors)
  • Ownership chain verification
  • Compare to original: New beneficial owners? Changes in shareholder structure? Hidden beneficial ownership patterns?
Search 5: Financial Risk Indicators
  • Credit report review (if available and permitted)
  • Financial viability indicators (industry reports, market data)
  • Industry risk assessment (sector risk changes?)
  • Geographic risk mapping (new operations in high-risk jurisdictions?)
  • Transaction pattern baseline (if monitoring data available)
Analyst Documentation:
  • Record all 5 searches with dates, platforms used, search terms
  • Screenshot or document key findings
  • Note "No new findings" vs. "New findings" for each search
Manager Checkpoint:
  • Confirm all 5 searches were completed
  • Verify search methodology matches original onboarding
  • Approve moving to Step 3 (change comparison)
重复入职时的完全相同搜索，建立新的基准。
搜索1：公开资料与业务兴趣
  • 谷歌搜索：客户姓名 + 公司名称
  • 领英资料审核
  • 公司注册备案文件（英国Companies House、美国SEC Edgar、当地注册机构）
  • 商业数据库审核（Bloomberg、Crunchbase、business.gov.uk）
  • 与初始结果对比： 是否有新的董事职位？业务转型？行业变更？
搜索2：制裁与监管数据库
  • 美国OFAC特别指定国民名单（SDN List）
  • 欧盟制裁名单
  • 英国金融制裁实施办公室（OFSI）
  • 联合国综合制裁名单
  • 国际刑警组织红色/黄色通报
  • 与初始结果对比： 是否有新匹配？家庭成员被列入制裁名单？
搜索3：负面媒体审核
  • 谷歌新闻搜索（回溯5年）
  • 路透社/Bloomberg新闻终端
  • 负面媒体监控服务（LexisNexis、World-Check、Refinitiv）
  • 监管执法数据库
  • 刑事记录数据库（司法管辖区特定）
  • 与初始结果对比： 是否有新的媒体报道？监管行动？刑事指控？
搜索4：企业结构与实益所有权
  • 公司注册机构的实益所有权备案文件
  • 企业结构图（若数据提供商有提供）
  • 董事和股东搜索
  • 关联实体搜索（共同股东、董事）
  • 所有权链验证
  • 与初始结果对比： 是否有新的实益所有人？股东结构变更？隐藏的实益所有权模式？
搜索5：财务风险指标
  • 信用报告审核（若可获取且允许）
  • 财务可行性指标（行业报告、市场数据）
  • 行业风险评估（行业风险是否变化？）
  • 地域风险映射（是否在高风险司法管辖区开展新业务？）
  • 交易模式基准（若有监控数据）
分析师文档记录：
  • 记录所有5项搜索的日期、使用平台、搜索关键词
  • 截图或记录关键发现
  • 标注每项搜索“无新发现”或“有新发现”
经理检查节点：
  • 确认所有5项搜索已完成
  • 验证搜索方法与初始入职一致
  • 批准进入步骤3（变化对比）

Step 3: Identify Material Changes [HITL Checkpoint]

步骤3：识别重大变化 [人工检查节点]

Compare refresh findings to original onboarding findings.
Material Changes (Automatic Escalation):
  1. Beneficial Ownership Changes
    • New beneficial owner with 25%+ stake
    • Beneficial owner departure (25%+ stakeholder)
    • Evidence of beneficial ownership concealment
    • Change to nominee or trust ownership structure
    • Action: ESCALATE to Manager + MLRO
  2. Business Structure Changes
    • Corporate restructuring (merger, acquisition, restructure)
    • Business sector pivot to high-risk sector (crypto, gambling, trade finance, weapons)
    • Loss of regulatory status or license
    • Action: ESCALATE to Manager + MLRO
  3. Regulatory Changes
    • Customer becomes regulated entity (escalate for new due diligence)
    • Customer loses regulatory authorization
    • Regulatory enforcement action against customer or principals
    • Action: ESCALATE to Manager + MLRO
  4. Sanctions & Adverse Media Changes
    • Sanctions designation (any customer or beneficial owner)
    • Adverse media: regulatory enforcement, criminal conviction, corruption allegation
    • INTERPOL or criminal investigation listing
    • Action: IMMEDIATE ESCALATION (same-day MLRO notification)
Non-Material Changes (Risk Assessment Update):
  • Address change within expected geographic scope
  • Standard corporate governance changes (board rotation, officer changes)
  • Business expansion within same risk sector
  • Beneficial ownership updates confirming prior findings
Analyst Documentation:
  • List all findings (new and unchanged)
  • Flag each finding as "Material Change" or "Update"
  • For material changes: document source, date discovered, risk implication
  • For updates: brief note confirming prior findings still valid
Manager Checkpoint:
  • Confirm change classifications (material vs. non-material)
  • Verify material changes are documented with source evidence
  • Determine escalation path (Manager review, MLRO notification, immediate quarantine)
将更新结果与初始入职结果进行对比。
重大变化（自动升级）：
  1. 实益所有权变更
    • 持有25%以上股权的新实益所有人
    • 持有25%以上股权的实益所有人离职
    • 存在实益所有权隐瞒的证据
    • nominee或信托所有权结构变更
    • 行动： 升级至经理 + MLRO
  2. 业务结构变更
    • 企业重组（合并、收购、重组）
    • 业务转向高风险领域（加密货币、赌博、贸易融资、武器）
    • 失去监管资质或许可证
    • 行动： 升级至经理 + MLRO
  3. 监管状态变更
    • 客户成为受监管实体（需升级进行新的尽职调查）
    • 客户失去监管授权
    • 针对客户或负责人的监管执法行动
    • 行动： 升级至经理 + MLRO
  4. 制裁与负面媒体变更
    • 被列入制裁名单（任何客户或实益所有人）
    • 负面媒体：监管执法、刑事定罪、腐败指控
    • 国际刑警组织或刑事调查名单
    • 行动： 立即升级（当日通知MLRO）
非重大变化（风险评估更新）：
  • 在预期地理范围内变更地址
  • 标准公司治理变更（董事会换届、管理人员变更）
  • 同一风险领域内的业务扩张
  • 确认初始结果有效的实益所有权更新
分析师文档记录：
  • 列出所有发现（新发现和未变更内容）
  • 将每项发现标记为“重大变化”或“更新”
  • 对于重大变化：记录来源、发现日期、风险影响
  • 对于更新：简要说明初始结果仍然有效
经理检查节点：
  • 确认变化分类（重大vs非重大）
  • 验证重大变化已附有来源证据记录
  • 确定升级路径（经理审核、MLRO通知、立即隔离）

Step 4: Risk Re-Assessment [HITL Checkpoint]

步骤4：风险重新评估 [人工检查节点]

Update customer risk category based on refresh findings.
Risk Categories:
  • HIGH: PEPs, beneficial owners of complex structures, high-value customers, high-risk sectors, frequent transactions to high-risk jurisdictions, family of sanctions targets
  • MEDIUM: Established businesses in moderate-risk sectors, some international activity, standard corporate governance
  • LOW: EU regulated entities, transparent ownership, narrow scope of business, domestic focus, established markets
Reassessment Decision Tree:
  1. Were any MATERIAL CHANGES found? → ESCALATE (see Step 3)
  2. Do new findings increase risk? → Upgrade risk category or maintain current level
  3. Do any findings decrease risk? → Consider downgrade (documented justification)
  4. No material changes found → Confirm existing risk category with brief note
Documentation:
  • Current risk category (HIGH, MEDIUM, LOW)
  • Reassessed risk category (if changed)
  • Justification for any risk category change
  • Next refresh date per new risk category
Manager Checkpoint:
  • Review risk assessment rationale
  • Confirm risk category is appropriate for findings
  • Approve risk decision and next refresh schedule
根据更新结果更新客户风险类别。
风险类别：
  • 高风险： 政治公众人物（PEP）、复杂结构的实益所有人、高价值客户、高风险领域、频繁与高风险司法管辖区交易、制裁目标的亲属
  • 中风险： 成熟的中等风险领域企业、部分国际业务、标准公司治理
  • 低风险： 欧盟受监管实体、透明所有权、业务范围狭窄、聚焦国内、成熟市场
重新评估决策树：
  1. 是否发现任何重大变化？ → 升级（见步骤3）
  2. 新发现是否增加风险？ → 升级风险类别或维持当前级别
  3. 是否有发现降低风险？ → 考虑降级（需记录理由）
  4. 未发现重大变化 → 确认现有风险类别并简要说明
文档记录：
  • 当前风险类别（高、中、低）
  • 重新评估后的风险类别（若有变更）
  • 任何风险类别变更的理由
  • 根据新风险类别确定的下一次更新日期
经理检查节点：
  • 审核风险评估理由
  • 确认风险类别与发现结果匹配
  • 批准风险决策和下一次更新计划

Step 5: Material Change Escalation (If Applicable)

步骤5：重大变化升级（如适用）

When to Escalate:
All material changes from Step 3 require escalation. Route to:
  • Manager: For review and oversight (all escalations)
  • MLRO (Money Laundering Reporting Officer): For determination of SAR-reportability (US) or regulatory reporting (UK/EU/MENA)
Escalation Urgency:
  • IMMEDIATE (same-day): Sanctions designation, criminal charges, evidence of beneficial ownership concealment
  • PRIORITY (24-48 hours): New beneficial owners, business pivots to high-risk sectors, regulatory enforcement actions
  • STANDARD (1 week): Material ownership changes, loss of regulatory authorization, substantial adverse media
Manager Actions:
  1. Review refresh findings and material change determination
  2. Assess customer account risk and transaction history
  3. Determine if SAR/suspicious activity reporting required
  4. Decision: Escalate to MLRO, escalate to compliance team for investigation, or route to specialized unit
MLRO Actions:
  1. Evaluate suspicious activity pattern (if Manager refers)
  2. Determine regulatory reporting obligation
  3. Determine account actions: monitoring enhancement, transaction review, account closure review
  4. Document decision and rationale in case file
Post-Escalation:
  • Account placed on enhanced monitoring pending resolution
  • Next refresh scheduled after escalation resolved and account decision made
升级时机：
步骤3中的所有重大变化都需要升级。上报至：
  • 经理： 进行审核和监督（所有升级）
  • MLRO（反洗钱报告官）： 确定是否需要提交可疑活动报告（SAR，美国）或监管报告（英国/欧盟/MENA）
升级优先级：
  • 立即（当日）： 被列入制裁名单、刑事指控、存在实益所有权隐瞒的证据
  • 优先（24-48小时）： 新实益所有人、业务转向高风险领域、监管执法行动
  • 标准（1周）： 重大所有权变更、失去监管授权、严重负面媒体报道
经理操作：
  1. 审核更新结果和重大变化判定
  2. 评估客户账户风险和交易历史
  3. 确定是否需要提交可疑活动报告（SAR）
  4. 决策：升级至MLRO、升级至合规团队进行调查或转至专门部门
MLRO操作：
  1. 评估可疑活动模式（若经理提交）
  2. 确定监管报告义务
  3. 确定账户行动：加强监控、交易审核、账户关闭审核
  4. 在案件文件中记录决策和理由
升级后：
  • 账户在解决前被置于加强监控状态
  • 升级解决并做出账户决策后安排下一次更新

Step 6: Generate Output & Schedule Next Refresh

步骤6：生成输出并安排下一次更新

Output Template: Use locked template from OUTPUT_TEMPLATES/refresh-report.md
Refresh Report Contains:
  • Refresh initiation date and trigger
  • Summary of 5 searches conducted (platforms, dates)
  • Key findings from each search (new and unchanged)
  • Comparison table: Original onboarding vs. refresh findings
  • Material change determination (yes/no, what changed)
  • Risk category re-assessment with justification
  • Escalation decision and routing (if applicable)
  • Manager sign-off with name, date
  • MLRO referral summary (if escalated)
  • Next refresh date scheduled
Case File Updates:
  • Attach refresh report to customer case file
  • Link to original onboarding findings for comparison
  • Update customer profile with new information (address, beneficial owners, regulatory status)
  • Update risk category and next refresh date in system
Schedule Next Refresh:
  • HIGH risk: 12 months from refresh date
  • MEDIUM risk: 24 months from refresh date (36 months for HIGH if reassessed to MEDIUM)
  • LOW risk: 36 months from refresh date
  • Set system reminder for 30 days before due date
Manager Final Checkpoint:
  • Refresh report complete and accurate
  • Case file updated with findings
  • Next refresh date scheduled appropriately
  • Escalations routed correctly (if applicable)
  • Archive refresh documentation per retention requirements
输出模板： 使用OUTPUT_TEMPLATES/refresh-report.md中的锁定模板
更新报告包含：
  • 更新启动日期和触发因素
  • 所执行5项搜索的摘要（平台、日期）
  • 每项搜索的关键发现（新发现和未变更内容）
  • 对比表：初始入职vs更新结果
  • 重大变化判定（是/否，具体变化内容）
  • 附有理由的风险类别重新评估
  • 升级决策和上报路径（如适用）
  • 经理签字（姓名、日期）
  • MLRO转介摘要（如已升级）
  • 已安排的下一次更新日期
案件文件更新：
  • 将更新报告附加至客户案件文件
  • 链接至初始入职结果以便对比
  • 用新信息更新客户档案（地址、实益所有人、监管状态）
  • 在系统中更新风险类别和下一次更新日期
安排下一次更新：
  • 高风险：自更新日期起12个月
  • 中风险：自更新日期起24个月（若从高风险重新评估为中风险则为36个月）
  • 低风险：自更新日期起36个月
  • 设置系统提醒，在到期前30天触发
经理最终检查节点：
  • 更新报告完整准确
  • 案件文件已更新发现结果
  • 下一次更新日期安排恰当
  • 升级已正确上报（如适用）
  • 根据留存要求归档更新文档

Material Change Examples

重大变化示例

Scenario 1: Business Pivot (Material Change)

场景1：业务转型（重大变化）

Original: Business consulting firm, LOW risk, 3-year refresh cycle Refresh finds: Company now offers crypto trading services and investment management Analysis: Business pivoted to high-risk sector (crypto) without prior disclosure Action: ESCALATE - Material change, risk reassessment required (likely HIGH)
初始状态： 商业咨询公司，低风险，3年更新周期 更新发现： 公司现在提供加密货币交易服务和投资管理 分析： 业务未提前披露即转向高风险领域（加密货币） 行动： 升级 - 重大变化，需重新评估风险（可能变为高风险）

Scenario 2: Beneficial Owner Change (Material Change)

场景2：实益所有人变更（重大变化）

Original: Family-owned business, clear beneficial ownership, MEDIUM risk Refresh finds: New beneficial owner acquired 30% stake via offshore entity, beneficial ownership structure now opaque Analysis: Beneficial ownership changed materially, transparency decreased Action: ESCALATE - Investigate new beneficial owner, determine if concealment patterns present
初始状态： 家族企业，实益所有权清晰，中风险 更新发现： 新实益所有人通过离岸实体获得30%股权，实益所有权结构现在不透明 分析： 实益所有权发生重大变化，透明度降低 行动： 升级 - 调查新实益所有人，确定是否存在隐瞒模式

Scenario 3: Regulatory Action (Material Change)

场景3：监管行动（重大变化）

Original: Financial services firm with valid licenses, MEDIUM risk Refresh finds: Regulatory authority issued enforcement action for compliance failures; CEO charged with fraud (media alert) Analysis: Regulatory status changed; principals now under criminal investigation Action: IMMEDIATE ESCALATION - Contact MLRO for SAR evaluation and account disposition
初始状态： 持有有效许可证的金融服务公司，中风险 更新发现： 监管机构因合规问题发布执法行动；CEO被指控欺诈（媒体警报） 分析： 监管状态变更；负责人现在处于刑事调查中 行动： 立即升级 - 联系MLRO进行SAR评估和账户处置

Scenario 4: No Material Changes (Update Only)

场景4：无重大变化（仅更新）

Original: E-commerce business, transparent ownership, MEDIUM risk Refresh finds: Address moved within same city; new CFO on board; annual revenue growth documented Analysis: No material changes to beneficial ownership, business model, or regulatory status; governance updates are normal Action: CONFIRM risk category, document findings, schedule next refresh per 24-month interval
初始状态： 电子商务企业，所有权透明，中风险 更新发现： 地址迁至同一城市；新任CFO上任；记录了年收入增长 分析： 实益所有权、业务模式或监管状态无重大变化；治理更新属于正常情况 行动： 确认风险类别，记录发现结果，按24个月间隔安排下一次更新

Regional Compliance Notes

区域合规说明

Refresh requirements vary by jurisdiction. See detailed guidance:
  • UK/EU: regulations-uk-eu.md - AMLD5 compliance, annual HIGH risk
  • MENA: regulations-mena.md - Enhanced QUARTERLY for HIGH risk per UACB/SAMA
  • US: regulations-us.md - FinCEN CDD rule, annual HIGH risk
Multi-Jurisdictional Customers: Apply most stringent requirement. If customer operates in both UK and US, use annual refresh interval (both jurisdictions require annual for HIGH risk).
更新要求因司法管辖区而异。查看详细指南：
  • 英国/欧盟： regulations-uk-eu.md - AMLD5合规，高风险客户每年更新
  • 中东和北非（MENA）： regulations-mena.md - 根据UACB/SAMA要求，高风险客户需每季度加强更新
  • 美国： regulations-us.md - FinCEN CDD规则，高风险客户每年更新
跨司法管辖区客户： 适用最严格的要求。若客户同时在英国和美国运营，采用每年更新间隔（两个司法管辖区均要求高风险客户每年更新）。

Locked Output Template

锁定输出模板

Use: 
/OUTPUT_TEMPLATES/refresh-report.md
Ensures consistent documentation and audit trail compliance.
Version: 1.0.0 Last Updated: 2026-02-12 Author: Vyayasan Regulated: AMLD5 (UK/EU), FinCEN CDD Rule (US), UACB/SAMA (MENA)
MCP Integration: Uses same ~~browser, ~~excel, ~~pdf connectors as onboarding workflow. See 
CONNECTORS.md
.
使用：
/OUTPUT_TEMPLATES/refresh-report.md
确保文档记录一致并符合审计追踪合规要求。
版本： 1.0.0 最后更新： 2026-02-12 作者： Vyayasan 适用监管： AMLD5（英国/欧盟）、FinCEN CDD Rule（美国）、UACB/SAMA（MENA）
MCP集成： 使用与入职工作流相同的~~browser、~~excel、~~pdf连接器。详见
CONNECTORS.md
。