KYC Completeness Validator

Overview

This skill systematically validates Know Your Customer (KYC) and Customer Due Diligence (CDD) documentation against regulatory requirements. It covers CIP (Customer Identification Program) under USA PATRIOT Act Section 326, the FinCEN CDD Rule (31 CFR 1010.230), Enhanced Due Diligence (EDD) for high-risk customers, and beneficial ownership certification. The output is a gap analysis with remediation priorities.

When to Use

• Validating new account onboarding packages for regulatory completeness
• Conducting periodic KYC refresh reviews (risk-based, typically 1-3 year cycle)
• Preparing for BSA/AML regulatory examinations
• Assessing CDD/EDD documentation for risk-rated customers
• Validating beneficial ownership certifications for legal entity customers
• Reviewing remediation queues during look-back exercises
• Supporting merger/acquisition due diligence on acquired customer portfolios

Required Inputs