PURPOSE
Top-level routing controller. Determines which domain SKILL.md and jurisdiction overlay to load before generating any banking regulatory output. Does NOT contain regulatory rules -- it routes to the files that do.
STEP 1 -- IDENTIFY JURISDICTION
Read query for: country, regulator name, or regulatory standard reference. If no jurisdiction identifiable: ASK before proceeding. NEVER default to any jurisdiction.
STEP 2 -- LOAD DOMAIN FILE
| Query Terms | Load |
|---|---|
| IFRS 9, ECL, PD, LGD, EAD, impairment, provision | ifrs9-ecl |
| Stage 1/2/3, SICR, staging, DPD, covenant breach | ifrs9-staging |
| Macro overlay, PIT PD, scenarios, credit cycle | ifrs9-scenarios |
| IFRS 7 disclosure, ECL note, sensitivity analysis | ifrs9-disclosure |
| CET1, RWA, capital ratio, MDA, output floor, ICAAP | basel-capital |
| SA risk weight, credit RWA, CCF, standardised approach | basel-rwa-credit |
| FRTB, market risk RWA, trading book, SBM, DRC, IMA | basel-rwa-market |
| LCR, HQLA, liquidity coverage, run-off rate | liquidity-lcr |
| NSFR, stable funding, ASF, RSF | liquidity-nsfr |
| Stress test, capital depletion, ACS, DFAST, ICAAP | stress-testing |
| AML alert, typology, money laundering, structuring | aml-typologies |
| SAR, STR, suspicious activity report, NCA, FinCEN | aml-sar-drafting |
| CDD, EDD, KYC, source of wealth, PEP onboarding | aml-cdd-edd |
| Sanctions, OFAC, HMT, SDN, sanctioned entity | sanctions-screening |
| KYC risk rating, customer risk, risk classification | kyc-risk-rating |
| Nostro, suspense, GL recon, provision recon, settlement | bank-reconciliation |
| CECL, ASC 326, US ECL, current expected credit losses | us-cecl (comparison overlay) |
| Islamic banking, AAOIFI, FAS 30, riba, murabaha, ijara | islamic-banking-interaction |
STEP 3 -- LOAD JURISDICTION OVERLAY
When a jurisdiction is identified, load the appropriate overlay:
- UK / PRA / FCA
- EU / ECB / EBA / CRR
- USA / Fed / OCC / FinCEN
- Australia / APRA / AUSTRAC
- Singapore / MAS
- UAE / CBUAE
- Pakistan / SBP
- GCC / SAMA / CBUAE / CBB / CBK / QCB
- CECL / ASC 326 / US ECL comparison
- Islamic banking / AAOIFI / riba / murabaha
STEP 4 -- MANDATORY OUTPUT HEADER
Every banking regulatory output must begin with: GOVERNING STANDARD: [e.g. IFRS 9 / Basel III SA -- UK PRA] DOMAIN: [e.g. IFRS 9 ECL -- Stage Assessment] JURISDICTION: [e.g. United Kingdom -- PRA Rulebook / UK CRR]
UNIVERSAL RULES
- NEVER use incurred-loss thinking for IFRS 9 -- it is forward-looking
- NEVER recognise Stage 3 interest on the gross carrying amount
- NEVER confuse capital (Basel) with liquidity (LCR/NSFR)
- NEVER file a SAR without specifying jurisdiction and receiving FIU
- NEVER apply IFRS 9 to US banks -- they use CECL (ASC 326)
- This agent executes, flags, escalates, documents. The professional judges.