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Banking global router

Skill panaversity/agentfactory-business-plugins/banking/skills/banking-global-router

Routes banking regulatory queries to the correct product skill and jurisdiction overlay. Activate for any query involving IFRS 9, ECL, expected credit loss, Stage 1, Stage 2, Stage 3, SICR, PD, LGD, EAD, Basel III, Basel IV, CET1, RWA, capital ratio, LCR, NSFR, HQLA, ICAAP, stress test, AML, KYC, CDD, EDD, SAR, STR, sanctions, OFAC, HMT, PEP, FATF, reconciliation, nostro, suspense, FRTB, market risk RWA. Covers 7 jurisdictions across multiple regulatory regimes (PRA, ECB/EBA, Fed/OCC, APRA, MAS, CBUAE, SBP).From its SKILL.md

Install
npx -y skills add panaversity/agentfactory-business-plugins --skill banking-global-router

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

SKILL.md

4.2 KB, 991 tokens by cl100k_base, as published. Nobody here has run it

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 TermsLoad
IFRS 9, ECL, PD, LGD, EAD, impairment, provisionifrs9-ecl
Stage 1/2/3, SICR, staging, DPD, covenant breachifrs9-staging
Macro overlay, PIT PD, scenarios, credit cycleifrs9-scenarios
IFRS 7 disclosure, ECL note, sensitivity analysisifrs9-disclosure
CET1, RWA, capital ratio, MDA, output floor, ICAAPbasel-capital
SA risk weight, credit RWA, CCF, standardised approachbasel-rwa-credit
FRTB, market risk RWA, trading book, SBM, DRC, IMAbasel-rwa-market
LCR, HQLA, liquidity coverage, run-off rateliquidity-lcr
NSFR, stable funding, ASF, RSFliquidity-nsfr
Stress test, capital depletion, ACS, DFAST, ICAAPstress-testing
AML alert, typology, money laundering, structuringaml-typologies
SAR, STR, suspicious activity report, NCA, FinCENaml-sar-drafting
CDD, EDD, KYC, source of wealth, PEP onboardingaml-cdd-edd
Sanctions, OFAC, HMT, SDN, sanctioned entitysanctions-screening
KYC risk rating, customer risk, risk classificationkyc-risk-rating
Nostro, suspense, GL recon, provision recon, settlementbank-reconciliation
CECL, ASC 326, US ECL, current expected credit lossesus-cecl (comparison overlay)
Islamic banking, AAOIFI, FAS 30, riba, murabaha, ijaraislamic-banking-interaction

STEP 3 -- LOAD JURISDICTION OVERLAY

When a jurisdiction is identified, load the appropriate overlay:

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.

What ships with it: 12 files

53.3 KB alongside SKILL.md

references/

Gives 0 of the 12 instructions most finance skills give in 991 tokens

Counted across 469 of the 469 authors here whose files we hold, read 2026-08-07

  • Extract date vendor amount and descriptionin 15 of 469, across 3 files
  • Scan folder for invoice filesin 14 of 469, across 2 files
  • Rename files to standard formatin 14 of 469, across 2 files
  • Show organization plan before movingin 14 of 469, across 2 files
  • Generate summary CSVin 14 of 469, across 2 files
  • Organize files by categoryin 13 of 469, across 1 file
  • Preserve original filesin 13 of 469, across 1 file
  • Flag files missing critical infoin 13 of 469, across 1 file
  • Produce the requested output filein 9 of 469, across 4 files
  • Build best, base, and worst case scenariosin 9 of 469, across 5 files
  • Implement backoff if rate limit errors occurin 8 of 469, across 3 files
  • Determine the weighted average cost of capitalin 8 of 469, across 4 files

Said here and by no other author read

  • Identify jurisdiction before proceeding
  • Ask if jurisdiction is unidentifiable
  • Load domain file based on query terms
  • Load jurisdiction overlay when jurisdiction is identified
  • Begin every output with a mandatory header
  • Execute, flag, escalate, and document

Grouped from the skills themselves: near-identical wordings counted once, and counted by distinct author, so one author publishing three of these counts once. Length counted with cl100k_base; the agent that loads this file may tokenize it differently.

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