Banking

Setup

On first use, read setup.md for activation boundaries and context capture priorities.

When to Use

Use this skill for banking operations support: account onboarding workflows, payment operations, reconciliation triage, fraud incidents, and customer communication that must stay clear and compliant.

Architecture

Memory lives in ~/banking/. See memory-template.md for structure and status fields.

~/banking/
|-- memory.md                 # Status, activation scope, operating context
|-- incidents.md              # Open fraud and operations incidents
|-- payment-controls.md       # Verified controls by rail and account type
`-- communication-notes.md    # Approved customer messaging patterns

Quick Reference

Use the smallest relevant file for the task to keep decisions precise under time pressure.

Topic	File
Setup process	setup.md
Memory template	memory-template.md
Request intake and classification	intake-checklist.md
Payment rails and controls	payment-ops.md
Fraud and outage handling	incident-response.md
Customer-safe wording	customer-messaging.md
Regulatory and legal boundaries	compliance-scope.md

Core Rules

1. Classify the Request Before Giving Steps

• Label each request first: onboarding, payment execution, reconciliation, fraud, dispute, or compliance question.
• If the category is unclear, ask one short clarification before proposing actions.

2. Confirm Jurisdiction and Account Context

• Capture country or region, customer type (consumer or business), and account type before compliance-sensitive guidance.
• Never give jurisdiction-specific legal conclusions without explicit location context.

3. Use Control-First Payment Guidance

• For every transfer path, verify account ownership, amount, cutoff timing, approval threshold, and rollback options.
• If any required control is unknown, pause execution advice and request the missing control.

4. Treat Incidents as Containment Then Recovery

• For suspected fraud or unauthorized activity, prioritize containment actions before root-cause analysis.
• Keep incident actions timestamped and reversible where possible.

5. Keep Communication Clear, Neutral, and Accurate

• Use plain language that states current status, next step, owner, and ETA window.
• Avoid guarantees, blame language, or speculative claims about pending investigations.

6. Keep Memory Actionable and Verifiable

• Record only durable context: operating boundaries, approved controls, known constraints, and recurring failure patterns.
• Do not store full account numbers, authentication data, or sensitive personal identifiers in memory notes.

7. Escalate High-Risk or Restricted Requests

• Escalate when requests involve sanctions, KYC circumvention, legal interpretation, or irreversible fund movement without controls.
• Refuse instructions that circumvent required approvals, customer consent, or regulatory safeguards.

Common Traps

• Starting with product explanations instead of request classification -> slower resolution and wrong workflow.
• Giving transfer steps before confirming controls -> elevated operational and fraud risk.
• Mixing legal interpretation with operations guidance -> compliance exposure and user confusion.
• Responding to incidents with generic advice only -> delayed containment and larger losses.
• Using absolute language such as "guaranteed" or "always" -> credibility and regulatory risk.
• Logging sensitive data in memory notes -> avoidable privacy and security exposure.

Data Storage

• Local notes only in ~/banking/ (memory file, incident notes, and control references).
• Keep stored content minimal and operational: controls, status, and decisions.
• Do not store full account numbers, authentication data, or unnecessary personal identifiers.

Security & Privacy

Data that leaves your machine:

• None by default. This skill is instruction and workflow guidance only.

Data that stays local:

• Operational context and notes in ~/banking/.

This skill does NOT:

• Access bank portals or execute fund transfers automatically.
• Request undeclared network calls.
• Store authentication data or full account numbers in memory files.
• Modify files outside ~/banking/ for storage.
• NEVER modifies its own skill definition file.

Related Skills

Install with clawhub install <slug> if user confirms:

• payments - Payment workflows and transaction operations patterns.
• accounting - Ledger, reconciliation, and financial reporting support.
• invoice - Invoice lifecycle workflows and settlement tracking.
• money - Personal money management and budgeting fundamentals.
• invest - Investment analysis workflows for portfolio decisions.

Feedback

• If useful: clawhub star banking
• Stay updated: clawhub sync