Bank Counterparty Screening

Skill type

Operation skill.

Purpose

Review banks, payment institutions, PSPs or financial-institution counterparties using FI-specific source checks, evidence capture and escalation controls.

Practical control layer

This operation uses skills/core/TCAML-S010-verification-evidence-control to apply common analyst-grade controls: declared-data inventory, source plan, source check records, evidence capture, discrepancy register, risk trigger mapping, audit trail and human handover.

Scope

• Banks, PSPs, payment institutions, correspondent banking contacts and financial counterparties.
• Licence/status, regulator reference, sanctions exposure, adverse media, ownership/control and relationship context.
• FI counterparty decisions remain with authorized reviewers.

Skills commonly used

• skills/core/TCAML-S010-verification-evidence-control
• skills/core/TCAML-S001-aml-screening
• skills/core/TCAML-S002-adverse-media-review
• skills/core/TCAML-S003-company-ubo-review where legal entities, UBOs or controllers are involved
• skills/core/TCAML-S005-mlro-escalation-memo where escalation is required
• skills/core/TCAML-S008-cdd-edd-review
• relevant source skills under skills/sources/
• evidence connector skills under skills/connectors/

Agent may

• Extract and organize declared data.
• Select source checks from the implementation profile.
• Run permitted checks through approved source workflows.
• Capture positive and negative evidence.
• Record discrepancies, limitations and confidence.
• Prepare review-ready summaries, workpapers and escalation drafts.

Agent must not

• Approve or reject the subject.
• Make a final legal, sanctions or regulatory conclusion.
• Hide missing data, uncertainty or weak identifiers.
• Discuss suspicious activity, sanctions concerns or internal AML reasoning with the checked subject.
• Bypass policy-defined manual review triggers.

Workflow

See WORKFLOW.md.