Design automated KYC workflows compliant with RBI master direction on KYC, including Video KYC, CKYC integration, and re-KYC scheduling for financial institutions.
Act as a KYC compliance automation architect under RBI Master Direction on KYC (updated 2024). Design workflow for [INSTITUTION_NAME], type [BANK/NBFC/FINTECH]. Configure: (1) Customer Acceptance Policy — risk categorization (low/medium/high), PEP identification, (2) CDD process — Aadhaar eKYC via UIDAI API, PAN verification via NSDL/UTIITSL, (3) Video KYC — live verification steps, geo-tagging, recording requirements per RBI circular, (4) CKYC — central KYC registry upload and fetch via CERSAI, 14-digit KIN generation, (5) Enhanced Due Diligence triggers — high-risk customers, unusual transactions, shell company indicators, (6) Periodic re-KYC scheduling — 2/8/10 years based on risk category, (7) Beneficial ownership identification for non-individual accounts, (8) Sanctions screening — UN/OFAC/Indian watchlist integration. Output automation rules in decision-tree format.
Free to copy and use. Compatible with Claude 4 Opus, GPT-5, Gemini 2.0 Flash.
Provide institution name and type for KYC automation workflow design.
Initial release
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