Account Opening Compliance

If you're building or fixing account opening workflows at a brokerage or RIA, this walks you through embedding CIP/KYC verification, OFAC screening, beneficial ownership collection for entities, and risk-based approval routing directly into the onboarding flow. It covers the operational mechanics like handling inconclusive identity verification results, choosing between real-time database checks versus restricted accounts pending verification, and documenting everything for SEC or FINRA exams. Most useful when you're designing compliance gates for digital onboarding, remediating audit findings, or figuring out how account opening hands off to ongoing surveillance. The perspective is compliance operations, not legal theory.

skills.sh installs: 687
GitHub stars: 224
last updated: Aug 21, 2026

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Install

$ npx -y skills add joellewis/finance_skills --skill account-opening-compliance --agent claude-code

Installs into .claude/skills of the current project.

Files

Account Opening Compliance

Core Concepts

CIP Integration in Account Opening

The Customer Identification Program is the first compliance gate in any account opening workflow. Under USA PATRIOT Act Section 326 and its implementing regulations, a firm must verify the identity of each customer before or at the time of account opening. The account opening process must be designed so that no account becomes active until CIP is satisfied.

SKILL.md on GitHub

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