KNOW YOUR CUSTOMER (KYC) - Genre Template

Style/formatting: Follow ~/.claude/skills/word-doc-generator/SKILL.md

Purpose

Streamlined due diligence for customer onboarding and ongoing monitoring. Focuses on identity verification, beneficial ownership, PEP/sanctions screening, and adverse media. Designed for compliance with AML/CFT regulations.

WHEN TO USE

• New customer onboarding
• Periodic KYC refresh/review
• Enhanced due diligence triggers
• Account opening procedures
• Counterparty verification

SOURCE INTELLIGENCE

See full details: sections/universal/RESEARCH_INTELLIGENCE.skill.md

KYC - Verification Limitations

KYC requires direct documentation from subject; OSINT provides corroboration only.

Cross-reference jurisdictions/[COUNTRY].skill.md for jurisdiction-specific limitations.

REPORT STRUCTURE

Required Sections (In Order)

1. Executive Summary → sections/universal/EXECUTIVE_SUMMARY.skill.md
2. Identity Verification → sections/company/COMPANY_OVERVIEW.skill.md
3. Ownership & Ultimate Beneficial Owner → sections/company/OWNERSHIP_SHAREHOLDERS.skill.md
4. PEP Status → sections/universal/PEP_STATUS.skill.md
5. Sanctions & Watchlists → sections/universal/SANCTIONS_WATCHLISTS.skill.md
6. Adverse Media → sections/universal/ADVERSE_MEDIA.skill.md
7. Research Limitations → sections/universal/RESEARCH_LIMITATIONS.skill.md

IDENTITY VERIFICATION TEMPLATE

## Identity Verification

### Entity Identification

| Field | Value |
|-------|-------|
| **Legal Name** | [FULL_LEGAL_NAME] |
| **Registration Number** | [NUMBER] |
| **Jurisdiction** | [COUNTRY] |
| **Date of Incorporation** | [DATE] |
| **Registered Address** | [ADDRESS] |
| **Trading Names** | [IF ANY] |

### Verification Sources

| Source | Status | Date Verified |
|--------|--------|---------------|
| Company Registry | [Verified/Unable to verify] | [DATE] |
| Regulatory Register | [Verified/N/A] | [DATE] |
| Website | [Verified/N/A] | [DATE] |

### Discrepancies Noted

[IF ANY:]
- [DISCREPANCY 1]
- [DISCREPANCY 2]

[IF NONE:]
No discrepancies identified between declared information and registry records.

UBO IDENTIFICATION TEMPLATE

## Ultimate Beneficial Ownership

### UBO Summary

| Name | Ownership % | Nationality | PEP Status | Verification |
|------|-------------|-------------|------------|--------------|
| **[NAME]** | [X]% | [COUNTRY] | [Yes/No] | [Registry/Declaration] |

### Ownership Chain

[DESCRIBE OWNERSHIP STRUCTURE - can be simple or include diagram reference]

**Direct Shareholders:**
1. [SHAREHOLDER 1] - [X]%
2. [SHAREHOLDER 2] - [X]%

**Ultimate Beneficial Owners (>25%):**
1. [UBO 1] - Controls [X]% via [CHAIN]

### Verification Status

- [ ] UBO declaration obtained
- [ ] Registry verification complete
- [ ] ID documents verified (if EDD)
- [ ] Source of wealth verified (if EDD)

RISK RATING TEMPLATE

## KYC Risk Assessment

### Risk Factors

| Factor | Rating | Notes |
|--------|--------|-------|
| **Country Risk** | [High/Medium/Low] | [JURISDICTION] |
| **Industry Risk** | [High/Medium/Low] | [SECTOR] |
| **Product Risk** | [High/Medium/Low] | [PRODUCTS/SERVICES] |
| **Channel Risk** | [High/Medium/Low] | [Non-face-to-face/etc.] |
| **PEP Exposure** | [Yes/No] | [DETAILS] |
| **Sanctions Exposure** | [Yes/No] | [DETAILS] |
| **Adverse Media** | [Yes/No] | [DETAILS] |

### Overall Risk Rating

**[HIGH / MEDIUM / LOW]**

[RATIONALE FOR RATING]

### Recommended Actions

- [ACTION 1]
- [ACTION 2]

STANDARD PHRASES

Clean customer:

KYC screening identified no adverse findings. The customer presents a [low/medium] risk profile based on the factors assessed.

PEP identified:

[NAME] is identified as a Politically Exposed Person ([CATEGORY]). Enhanced due diligence is recommended.

Adverse findings:

KYC screening identified matters requiring attention, including [BRIEF_LIST]. Enhanced due diligence is recommended before onboarding.

UBO not verified:

Ultimate beneficial ownership could not be fully verified from public sources. Additional documentation should be requested from the customer.

EDD TRIGGERS

Enhanced Due Diligence should be applied when:

• PEP or PEP-connected
• High-risk jurisdiction (FATF grey/black list)
• Complex ownership structure
• High-risk industry (crypto, gambling, weapons, etc.)
• Adverse media identified
• Sanctions near-match
• Unusual transaction patterns

DISCLAIMERS

See library/DISCLAIMERS.skill.md:

• KYC screening disclaimer
• Point-in-time limitation
• Public source reliance

TYPICAL DURATION

• Standard KYC: 1-2 business days
• Enhanced KYC: 3-5 business days