Compliance Checker

What this skill does

# Compliance Checker

Expert compliance assessment agent that evaluates regulatory compliance across business operations, identifies gaps, and provides remediation guidance. Specializes in financial regulations, tax compliance, employment law, data privacy, and industry-specific requirements.

This skill applies comprehensive compliance frameworks to help organizations identify risks, meet regulatory requirements, and prepare for audits. Perfect for startups scaling up, compliance reviews, and risk assessments.

**Disclaimer:** This skill provides general compliance guidance. Always consult qualified legal and compliance professionals for specific regulatory advice.

## Core Workflows

### Workflow 1: Business Compliance Assessment

**Objective:** Comprehensive compliance review for business operations

**Steps:**
1. **Business Profile Analysis**
   - Entity type (LLC, Corp, etc.)
   - Industry and sector
   - Geographic presence (states, countries)
   - Revenue and employee count
   - Business model (B2B, B2C)
   - Customer base characteristics

2. **Corporate Compliance Checklist**
   - **Entity Formation:**
     - [ ] Articles of incorporation/organization filed
     - [ ] Operating agreement or bylaws in place
     - [ ] EIN obtained from IRS
     - [ ] State registrations current

   - **Corporate Governance:**
     - [ ] Board meetings conducted (if applicable)
     - [ ] Meeting minutes maintained
     - [ ] Annual reports filed
     - [ ] Franchise tax paid
     - [ ] Registered agent current

   - **Foreign Qualification:**
     - [ ] Registered in states where "doing business"
     - [ ] Annual filings current in each state
     - [ ] State tax obligations met

3. **Financial Compliance Checklist**
   - **Tax Compliance:**
     - [ ] Federal income tax returns filed
     - [ ] State income tax returns filed
     - [ ] Sales tax collection and remittance
     - [ ] Payroll tax deposits and filings
     - [ ] 1099s and W-2s issued

   - **Accounting Standards:**
     - [ ] Appropriate accounting method (cash/accrual)
     - [ ] Revenue recognition compliant
     - [ ] Financial statements prepared
     - [ ] Audit requirements met (if applicable)

4. **Employment Compliance Checklist**
   - **Hiring:**
     - [ ] I-9 verification completed
     - [ ] E-Verify (if required)
     - [ ] Background check compliance
     - [ ] Employment agreements in place

   - **Compensation:**
     - [ ] Minimum wage compliance
     - [ ] Overtime pay compliance
     - [ ] Equal pay compliance
     - [ ] Worker classification correct

   - **Workplace:**
     - [ ] Anti-harassment policy
     - [ ] EEO compliance
     - [ ] OSHA requirements (if applicable)
     - [ ] Workers' compensation insurance
     - [ ] State-specific requirements

5. **Data and Privacy Compliance**
   - **Data Protection:**
     - [ ] Privacy policy published
     - [ ] Data collection disclosed
     - [ ] Cookie consent (if applicable)
     - [ ] CCPA compliance (CA)
     - [ ] GDPR compliance (EU)

   - **Data Security:**
     - [ ] Security measures documented
     - [ ] Breach notification procedures
     - [ ] Data retention policies
     - [ ] Vendor due diligence

6. **Compliance Gap Analysis**
   - Identify missing requirements
   - Prioritize by risk level
   - Create remediation timeline
   - Assign ownership

**Deliverable:** Comprehensive compliance assessment with gap analysis

### Workflow 2: Financial Regulations Compliance

**Objective:** Ensure compliance with financial regulatory requirements

**Steps:**
1. **Anti-Money Laundering (AML)**
   - **Bank Secrecy Act Requirements:**
     - [ ] Know Your Customer (KYC) procedures
     - [ ] Customer due diligence (CDD)
     - [ ] Enhanced due diligence (high-risk)
     - [ ] Suspicious Activity Reports (SARs)
     - [ ] Currency Transaction Reports (CTRs)

   - **OFAC Compliance:**
     - [ ] Sanctions screening
     - [ ] Blocked persons list checks
     - [ ] Country restrictions

2. **Payment Processing Compliance**
   - **PCI-DSS (Credit Cards):**
     - [ ] SAQ completed
     - [ ] Security requirements met
     - [ ] Quarterly vulnerability scans
     - [ ] Annual compliance validation

   - **Money Transmitter Licensing:**
     - [ ] State licensing (if applicable)
     - [ ] Federal registration (FinCEN)
     - [ ] Surety bond requirements

3. **Investment Regulations**
   - **Securities Compliance:**
     - [ ] Registration requirements
     - [ ] Exemptions utilized properly
     - [ ] Accredited investor verification
     - [ ] Blue sky compliance (state)

   - **Investment Advisor:**
     - [ ] SEC or state registration
     - [ ] Form ADV requirements
     - [ ] Fiduciary duty compliance

4. **Industry-Specific Financial Regulations**
   - Banking: Federal Reserve, FDIC, OCC
   - Insurance: State insurance commissions
   - Real Estate: RESPA, Fair Housing
   - Mortgage: TILA, RESPA, HMDA

**Deliverable:** Financial regulation compliance checklist

### Workflow 3: Employment Law Compliance

**Objective:** Ensure compliance with employment laws and regulations

**Steps:**
1. **Federal Employment Laws**
   - **Fair Labor Standards Act (FLSA):**
     - [ ] Minimum wage ($7.25 federal)
     - [ ] Overtime (1.5x after 40 hours)
     - [ ] Exempt vs non-exempt classification
     - [ ] Child labor restrictions
     - [ ] Record-keeping requirements

   - **Equal Employment Opportunity:**
     - [ ] Non-discrimination policies
     - [ ] Reasonable accommodations (ADA)
     - [ ] Religious accommodations
     - [ ] Age discrimination (40+)

   - **Family and Medical Leave (FMLA):**
     - [ ] 12 weeks unpaid leave
     - [ ] Eligibility criteria (50+ employees)
     - [ ] Job protection provisions

2. **State Employment Laws**
   - Higher minimum wages
   - Paid sick leave requirements
   - Paid family leave
   - At-will employment modifications
   - Non-compete restrictions
   - Ban-the-box laws
   - Salary history bans

3. **Worker Classification**
   - **Employee vs Contractor Tests:**
     - IRS 20-factor test
     - ABC test (California AB5)
     - Economic reality test

   - **Misclassification Risks:**
     - Back taxes and penalties
     - Benefits claims
     - Workers' comp liability
     - Unemployment insurance

4. **Payroll Compliance**
   - [ ] W-4 forms collected
   - [ ] Federal withholding correct
   - [ ] State withholding correct
   - [ ] FICA taxes withheld
   - [ ] Payroll tax deposits timely
   - [ ] Quarterly 941 filings
   - [ ] Year-end W-2s and W-3s

5. **Workplace Safety**
   - OSHA requirements
   - Safety training
   - Injury reporting
   - Hazard communication

**Deliverable:** Employment compliance audit with remediation plan

### Workflow 4: Data Privacy Compliance

**Objective:** Ensure compliance with data privacy regulations

**Steps:**
1. **Data Inventory**
   - What personal data is collected
   - How data is collected
   - Where data is stored
   - Who has access
   - How long data is retained
   - How data is shared/sold

2. **CCPA/CPRA Compliance (California)**
   - **Applicability Thresholds:**
     - $25M+ annual revenue, OR
     - 100K+ consumers/households, OR
     - 50%+ revenue from selling data

   - **Requirements:**
     - [ ] Privacy policy with required disclosures
     - [ ] "Do Not Sell My Info" link (if selling)
     - [ ] Consumer rights mechanisms
     - [ ] Service provider agreements
     - [ ] Training and record-keeping

3. **GDPR Compliance (EU)**
   - **Applicability:**
     - Processing EU resident data
     - Offering goods/services to EU
     - Monitoring EU individuals

   - **Requirements:**
     - [ ] Lawful basis for processing
     - [ ] Privacy notice requirements
     - [ ] Data subject rights mechanisms
     - [ ] Data Protection Officer (if required)
     - [ ] Data Processing Agreements
     - [ ] Cross-border transfer mechanisms
     - [ ] Breach notification (72 hours)

4. **Industry-Specific Privacy**
   - **HIPAA (Healthcare):**
     - [