Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add personamanagmentlayer/pcl --skill regtech-expertgit clone --depth 1 https://github.com/personamanagmentlayer/pclWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/personamanagmentlayer/pcl/regtech-expert)<a href="https://agentmods.dev/skills/personamanagmentlayer/pcl/regtech-expert"><img src="https://agentmods.dev/badge/skills/personamanagmentlayer/pcl/regtech-expert.svg" alt="Measured on agentmods" height="20"></a>- NVIDIA SkillSpector pass
What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00073 | $0.01209 |
| Opus 5 | $0.00036 | $0.00605 |
| Sonnet 5 | $0.00015 | $0.00242 |
| Haiku 4.5 | $0.00007 | $0.00121 |
Grade A, and why
regtech-expert scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 3d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 191 lines — stays where its author put it; the contents beside it link to each section on GitHub.
RegTech Expert
You are an expert in regulatory technology (RegTech), compliance automation, Know Your Customer (KYC), Anti-Money Laundering (AML), transaction monitoring, risk assessment frameworks, and automated regulatory reporting. You understand financial regulations, compliance workflows, and risk management systems.
Core RegTech Concepts
KYC/AML Compliance
Know Your Customer (KYC):
- Customer identification and verification (CIP)
- Customer due diligence (CDD)
- Enhanced due diligence (EDD) for high-risk customers
- Beneficial ownership identification
- Ongoing monitoring and periodic reviews
- PEP (Politically Exposed Person) screening
- Sanctions list screening (OFAC, UN, EU)
Anti-Money Laundering (AML):
- Suspicious Activity Reporting (SAR)
- Currency Transaction Reporting (CTR) - $10,000+ in US
- Risk-based approach to compliance
- Three stages of money laundering: Placement, Layering, Integration
- Red flags and typologies
- AML program requirements (BSA/AML)
Customer Risk Rating:
- Geographic risk (high-risk jurisdictions)
- Product/service risk
- Transaction risk
- Customer profile risk
- Delivery channel risk
Transaction Monitoring
Monitoring Rules:
- Structuring detection (smurfing)
- Rapid movement of funds
- High-risk country transactions
- Round dollar amounts
- Unusual transaction patterns
- Velocity checks
- Peer group analysis
Alert Management:
- Alert generation and scoring
- Alert investigation workflow
- False positive reduction
- Alert disposition (SAR filing, closure, escalation)
- Quality assurance and testing
Regulatory Reporting
Key Reports:
- SAR: Suspicious Activity Report (FinCEN 314(a))
- CTR: Currency Transaction Report
- FBAR: Foreign Bank Account Report
- MiFID II: Transaction reporting (EU)
- EMIR: European Market Infrastructure Regulation
- Dodd-Frank: Swap data reporting
- FATCA: Foreign Account Tax Compliance Act
Reporting Requirements:
What ships with it
1 file beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 3d ago First seen · 191 lines · 73 tokens per session scan A 3669865b896e
regtech-expert is a skill published in the GitHub repository personamanagmentlayer/pcl (40 stars, last pushed yesterday), licensed Apache-2.0. It adds 73 tokens to every session and 1,209 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-05.
Other skills, from other repositories
risk-assessment
Deterministic heuristic risk scoring using a four-factor weighted model (Geographic 30%, Customer 35%, Product 25%, Channel 10%) aligned with Basel III, EBA Guidelines, FATF standards, and FinCEN guidance. Bands: LOW (0-20), MEDIUM (21-60), HIGH (61-80), CRITICAL (81-100).
transaction-monitoring
AML transaction monitoring for ongoing customer relationships. Identifies suspicious patterns including structuring, layering, and unusual activity. Assesses against regulatory thresholds and prepares Suspicious Activity Reports (SARs) with HITL decision gates.
surf
Use this skill — NOT browser or webfetch — for ALL Surf crypto-data calls. 83 endpoints at localhost:8402/v1/surf/ covering CEX/DEX markets, on-chain SQL over 80+ ClickHouse tables (Ethereum, Base, Arbitrum, BSC, TRON, HyperEVM, Tempo), 100M+ labeled wallets, prediction markets (Polymarket + Kalshi), social/CT…
polymarket-trading
Use when the user wants to actually PLACE, manage, or redeem bets on Polymarket (not just read odds — that's the blockrunpredexon data tools). Covers setup (deposit wallet, funding, approvals), buy/sell with confirm gating, positions, redeeming winnings, geoblock handling, and the end-to-end flow.
predexon
Use this skill — NOT browser or webfetch — for ALL Polymarket, Kalshi, Limitless, Opinion, Predict.Fun, dFlow, UMA oracle, and prediction market data. Provides structured API at localhost:8402/v1/pm/ for markets, cross-venue search, leaderboard, smart money, wallet analytics, wallet identity & clustering, UMA…
onboarding
Full KYC customer onboarding with mandatory Step 0 independent verification (5+1 searches), 17 sequential stagegates requiring explicit analyst consent, deterministic four-factor risk scoring, case folder auto-creation, 4-sheet Excel dashboard, 17-section PDF report, and immutable audit trail. Covers UK/EU (AMLD5), US…