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](references/jurisdictions/uk-pra.md)
- [EU / ECB / EBA / CRR](references/jurisdictions/eu-crr.md)
- [USA / Fed / OCC / FinCEN](references/jurisdictions/us-federal.md)
- [Australia / APRA / AUSTRAC](references/jurisdictions/australia-apra.md)
- [Singapore / MAS](references/jurisdictions/singapore-mas.md)
- [UAE / CBUAE](references/jurisdictions/uae-cbuae.md)
- [Pakistan / SBP](references/jurisdictions/pakistan-sbp.md)
- [GCC / SAMA / CBUAE / CBB / CBK / QCB](references/jurisdictions/gcc-gcc.md)
- [CECL / ASC 326 / US ECL comparison](references/jurisdictions/us-cecl.md)
- [Islamic banking / AAOIFI / riba / murabaha](references/jurisdictions/islamic-banking-interaction.md)
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.