# Financial Profile Examples ## Financial Compliance Monitor[​](#financial-compliance-monitor "Direct link to Financial Compliance Monitor") A compliance agent for a universal financial institution that monitors **both banking activity** (wire and ACH transfers, deposits) **and brokerage activity** (securities trading) for AML, fraud, and regulatory compliance. It spans the deposit-taking and broker-dealer sides of the house: BSA/AML and GLBA on the banking side, FINRA, SEC, and MiFID II on the brokerage side. * YAML * JSON financial-compliance-agent.adl.yaml ``` $schema: https://adl-spec.org/0.3/schema.json adl_spec: 0.3.0 name: Financial Compliance Monitor description: Monitors both banking activity (wires, deposits) and brokerage activity (securities trading) across a universal financial institution for AML, fraud, and regulatory compliance. version: 1.0.0 profiles: - urn:adl:profile:financial:1.0 lifecycle: status: active effective_date: 2026-01-01T00:00:00Z provider: name: Meridian Financial Group url: https://meridian.example contact: compliance@meridian.example model: capabilities: - function_calling tools: - name: screen_wire_transfers description: Screen banking wire and ACH transfers for BSA/AML and sanctions risk parameters: type: object properties: account_id: type: string lookback_days: type: integer default: 30 required: - account_id read_only: true - name: surveil_trades description: Surveil securities trading activity for market manipulation and insider trading parameters: type: object properties: account_id: type: string instrument: type: string required: - account_id read_only: true - name: file_sar description: File a Suspicious Activity Report with FinCEN (covers both banking and brokerage activity) parameters: type: object properties: subject_ids: type: array items: type: string activity_type: type: string enum: - banking - securities narrative: type: string required: - subject_ids - narrative requires_confirmation: true permissions: network: allowed_hosts: - core-banking.meridian.example - market-surveillance.meridian.example - fincen.gov allowed_protocols: - https deny_private: true filesystem: allowed_paths: - path: /data/banking/** access: read - path: /data/trading/** access: read - path: /data/reports/** access: read_write security: authentication: type: mtls required: true encryption: in_transit: required: true min_version: "1.3" at_rest: required: true algorithm: AES-256-GCM data_classification: sensitivity: confidential categories: - pii - financial retention: min_days: 1825 handling: encryption_required: true logging_required: true financial: data_types: - transaction_data - nonpublic_personal_info - market_data - material_nonpublic_info pci_applicable: false financial_data_handling: pci_scope: in_scope: false data_residency: - jurisdiction: US regulation: GLBA - jurisdiction: EU regulation: MIFID_II transaction_controls: transaction_limits: max_single_amount: 10000000 currency: USD pre_execution_controls: enabled: true price_tolerance_pct: 2 requires_approval_above: 1000000 kill_switch: enabled: true trigger_conditions: - error_rate_threshold - anomaly_detection notification_targets: - compliance-team@meridian.example segregation_of_duties: enabled: true restricted_actions: - file_sar approval_role: Compliance Officer regulatory_scope: applicable_regulations: - GLBA - BSA_AML - BASEL_III - FINRA - SEC_REG - MIFID_II jurisdictions: - jurisdiction: US regulation: BSA_AML - jurisdiction: EU regulation: MIFID_II record_retention: min_retention_days: 1825 tamper_proof: true financial_risk_management: model_risk: tier: tier_2 validated_by: Model Risk Committee validated_at: 2025-12-15T00:00:00Z methodology: Champion-challenger with backtesting aml_controls: screening_required: true monitoring_level: real_time kyc_refresh_days: 365 operational_risk: category: high assessed_by: Operational Risk Committee assessed_at: 2025-12-15T00:00:00Z capital_reserve: true metadata: authors: - name: Meridian Compliance Team email: compliance@meridian.example license: Proprietary tags: - financial - banking - brokerage - aml - compliance ``` financial-compliance-agent.adl.json ``` { "$schema": "https://adl-spec.org/0.3/schema.json", "adl_spec": "0.3.0", "name": "Financial Compliance Monitor", "description": "Monitors both banking activity (wires, deposits) and brokerage activity (securities trading) across a universal financial institution for AML, fraud, and regulatory compliance.", "version": "1.0.0", "profiles": [ "urn:adl:profile:financial:1.0" ], "lifecycle": { "status": "active", "effective_date": "2026-01-01T00:00:00Z" }, "provider": { "name": "Meridian Financial Group", "url": "https://meridian.example", "contact": "compliance@meridian.example" }, "model": { "capabilities": [ "function_calling" ] }, "tools": [ { "name": "screen_wire_transfers", "description": "Screen banking wire and ACH transfers for BSA/AML and sanctions risk", "parameters": { "type": "object", "properties": { "account_id": { "type": "string" }, "lookback_days": { "type": "integer", "default": 30 } }, "required": [ "account_id" ] }, "read_only": true }, { "name": "surveil_trades", "description": "Surveil securities trading activity for market manipulation and insider trading", "parameters": { "type": "object", "properties": { "account_id": { "type": "string" }, "instrument": { "type": "string" } }, "required": [ "account_id" ] }, "read_only": true }, { "name": "file_sar", "description": "File a Suspicious Activity Report with FinCEN (covers both banking and brokerage activity)", "parameters": { "type": "object", "properties": { "subject_ids": { "type": "array", "items": { "type": "string" } }, "activity_type": { "type": "string", "enum": [ "banking", "securities" ] }, "narrative": { "type": "string" } }, "required": [ "subject_ids", "narrative" ] }, "requires_confirmation": true } ], "permissions": { "network": { "allowed_hosts": [ "core-banking.meridian.example", "market-surveillance.meridian.example", "fincen.gov" ], "allowed_protocols": [ "https" ], "deny_private": true }, "filesystem": { "allowed_paths": [ { "path": "/data/banking/**", "access": "read" }, { "path": "/data/trading/**", "access": "read" }, { "path": "/data/reports/**", "access": "read_write" } ] } }, "security": { "authentication": { "type": "mtls", "required": true }, "encryption": { "in_transit": { "required": true, "min_version": "1.3" }, "at_rest": { "required": true, "algorithm": "AES-256-GCM" } } }, "data_classification": { "sensitivity": "confidential", "categories": [ "pii", "financial" ], "retention": { "min_days": 1825 }, "handling": { "encryption_required": true, "logging_required": true }, "financial": { "data_types": [ "transaction_data", "nonpublic_personal_info", "market_data", "material_nonpublic_info" ], "pci_applicable": false } }, "financial_data_handling": { "pci_scope": { "in_scope": false }, "data_residency": [ { "jurisdiction": "US", "regulation": "GLBA" }, { "jurisdiction": "EU", "regulation": "MIFID_II" } ] }, "transaction_controls": { "transaction_limits": { "max_single_amount": 10000000, "currency": "USD" }, "pre_execution_controls": { "enabled": true, "price_tolerance_pct": 2, "requires_approval_above": 1000000 }, "kill_switch": { "enabled": true, "trigger_conditions": [ "error_rate_threshold", "anomaly_detection" ], "notification_targets": [ "compliance-team@meridian.example" ] }, "segregation_of_duties": { "enabled": true, "restricted_actions": [ "file_sar" ], "approval_role": "Compliance Officer" } }, "regulatory_scope": { "applicable_regulations": [ "GLBA", "BSA_AML", "BASEL_III", "FINRA", "SEC_REG", "MIFID_II" ], "jurisdictions": [ { "jurisdiction": "US", "regulation": "BSA_AML" }, { "jurisdiction": "EU", "regulation": "MIFID_II" } ], "record_retention": { "min_retention_days": 1825, "tamper_proof": true } }, "financial_risk_management": { "model_risk": { "tier": "tier_2", "validated_by": "Model Risk Committee", "validated_at": "2025-12-15T00:00:00Z", "methodology": "Champion-challenger with backtesting" }, "aml_controls": { "screening_required": true, "monitoring_level": "real_time", "kyc_refresh_days": 365 }, "operational_risk": { "category": "high", "assessed_by": "Operational Risk Committee", "assessed_at": "2025-12-15T00:00:00Z", "capital_reserve": true } }, "metadata": { "authors": [ { "name": "Meridian Compliance Team", "email": "compliance@meridian.example" } ], "license": "Proprietary", "tags": [ "financial", "banking", "brokerage", "aml", "compliance" ] } } ``` ### Both Sides of the House[​](#both-sides-of-the-house "Direct link to Both Sides of the House") | Banking | Brokerage | | --------------------------------------------- | ------------------------------------------- | | `screen_wire_transfers` tool (wire/ACH AML) | `surveil_trades` tool (market surveillance) | | `GLBA`, `BSA_AML`, `BASEL_III` regulations | `FINRA`, `SEC_REG`, `MIFID_II` regulations | | `nonpublic_personal_info`, `transaction_data` | `market_data`, `material_nonpublic_info` | | `transaction_limits` (wire ceilings) | `pre_execution_controls` (pre-trade checks) | `file_sar` and the AML controls in `financial_risk_management` apply across both — a single FinCEN SAR pipeline and shared KYC/monitoring cadence. ### Key Financial Fields[​](#key-financial-fields "Direct link to Key Financial Fields") | Field | Purpose | | ------------------------------- | ------------------------------------------------------------------------ | | `financial_data_handling` | PCI scope assessment and multi-jurisdiction data residency | | `transaction_controls` | Transaction limits, pre-trade checks, kill switch, segregation of duties | | `regulatory_scope` | Banking + brokerage regulations and record retention | | `financial_risk_management` | Model risk tier, AML controls, operational risk capital | | `data_classification.financial` | Banking and brokerage data types | ### Compliance Highlights[​](#compliance-highlights "Direct link to Compliance Highlights") * **Authentication**: Mutual TLS (mTLS) for all connections * **Encryption**: TLS 1.3 in transit, AES-256-GCM at rest * **Kill Switch**: Triggered on error rate threshold or anomaly detection (required under MiFID II) * **Segregation of Duties**: SAR filing requires Compliance Officer approval * **Record Retention**: 5-year minimum, tamper-proof storage * **AML**: Real-time monitoring across banking and brokerage, annual KYC refresh ## Composed with the Governance Profile[​](#composed-with-the-governance-profile "Direct link to Composed with the Governance Profile") The Financial Profile is designed to compose with the [Governance Profile](/profiles/governance/overview.md). The composite example below declares both `urn:adl:profile:governance:1.0` and `urn:adl:profile:financial:1.0`, adding the governance-required `autonomy` and `compliance_framework` members on top of the financial members above. * YAML * JSON composite/governance-financial-agent.adl.yaml ``` $schema: https://adl-spec.org/0.3/schema.json adl_spec: 0.3.0 name: Financial Compliance Monitor description: Monitors both banking activity (wires, deposits) and brokerage activity (securities trading) across a universal financial institution for AML, fraud, and regulatory compliance. version: 1.0.0 profiles: - urn:adl:profile:governance:1.0 - urn:adl:profile:financial:1.0 lifecycle: status: active effective_date: 2026-01-01T00:00:00Z provider: name: Meridian Financial Group url: https://meridian.example contact: compliance@meridian.example model: capabilities: - function_calling tools: - name: screen_wire_transfers description: Screen banking wire and ACH transfers for BSA/AML and sanctions risk parameters: type: object properties: account_id: type: string lookback_days: type: integer default: 30 required: - account_id read_only: true - name: surveil_trades description: Surveil securities trading activity for market manipulation and insider trading parameters: type: object properties: account_id: type: string instrument: type: string required: - account_id read_only: true - name: file_sar description: File a Suspicious Activity Report with FinCEN (covers both banking and brokerage activity) parameters: type: object properties: subject_ids: type: array items: type: string activity_type: type: string enum: - banking - securities narrative: type: string required: - subject_ids - narrative requires_confirmation: true permissions: network: allowed_hosts: - core-banking.meridian.example - market-surveillance.meridian.example - fincen.gov allowed_protocols: - https deny_private: true filesystem: allowed_paths: - path: /data/banking/** access: read - path: /data/trading/** access: read - path: /data/reports/** access: read_write security: authentication: type: mtls required: true encryption: in_transit: required: true min_version: "1.3" at_rest: required: true algorithm: AES-256-GCM data_classification: sensitivity: confidential categories: - pii - financial retention: min_days: 1825 handling: encryption_required: true logging_required: true financial: data_types: - transaction_data - nonpublic_personal_info - market_data - material_nonpublic_info pci_applicable: false financial_data_handling: pci_scope: in_scope: false data_residency: - jurisdiction: US regulation: GLBA - jurisdiction: EU regulation: MIFID_II transaction_controls: transaction_limits: max_single_amount: 10000000 currency: USD pre_execution_controls: enabled: true price_tolerance_pct: 2 requires_approval_above: 1000000 kill_switch: enabled: true trigger_conditions: - error_rate_threshold - anomaly_detection notification_targets: - compliance-team@meridian.example segregation_of_duties: enabled: true restricted_actions: - file_sar approval_role: Compliance Officer regulatory_scope: applicable_regulations: - GLBA - BSA_AML - BASEL_III - FINRA - SEC_REG - MIFID_II jurisdictions: - jurisdiction: US regulation: BSA_AML - jurisdiction: EU regulation: MIFID_II record_retention: min_retention_days: 1825 tamper_proof: true financial_risk_management: model_risk: tier: tier_2 validated_by: Model Risk Committee validated_at: 2025-12-15T00:00:00Z methodology: Champion-challenger with backtesting aml_controls: screening_required: true monitoring_level: real_time kyc_refresh_days: 365 operational_risk: category: high assessed_by: Operational Risk Committee assessed_at: 2025-12-15T00:00:00Z capital_reserve: true autonomy: tier: 1 basis: Supervised financial-crimes monitoring; all SAR filings require human confirmation. classified_by: Meridian Compliance Team classified_at: 2026-01-01T00:00:00Z compliance_framework: primary_framework: NIST_800_53 control_mappings: - framework: NIST control_id: AU-2 status: implemented - framework: NIST control_id: AC-5 status: implemented - framework: NIST control_id: SC-13 status: implemented metadata: authors: - name: Meridian Compliance Team email: compliance@meridian.example license: Proprietary tags: - financial - banking - brokerage - aml - compliance ``` composite/governance-financial-agent.adl.json ``` { "$schema": "https://adl-spec.org/0.3/schema.json", "adl_spec": "0.3.0", "name": "Financial Compliance Monitor", "description": "Monitors both banking activity (wires, deposits) and brokerage activity (securities trading) across a universal financial institution for AML, fraud, and regulatory compliance.", "version": "1.0.0", "profiles": [ "urn:adl:profile:governance:1.0", "urn:adl:profile:financial:1.0" ], "lifecycle": { "status": "active", "effective_date": "2026-01-01T00:00:00Z" }, "provider": { "name": "Meridian Financial Group", "url": "https://meridian.example", "contact": "compliance@meridian.example" }, "model": { "capabilities": [ "function_calling" ] }, "tools": [ { "name": "screen_wire_transfers", "description": "Screen banking wire and ACH transfers for BSA/AML and sanctions risk", "parameters": { "type": "object", "properties": { "account_id": { "type": "string" }, "lookback_days": { "type": "integer", "default": 30 } }, "required": [ "account_id" ] }, "read_only": true }, { "name": "surveil_trades", "description": "Surveil securities trading activity for market manipulation and insider trading", "parameters": { "type": "object", "properties": { "account_id": { "type": "string" }, "instrument": { "type": "string" } }, "required": [ "account_id" ] }, "read_only": true }, { "name": "file_sar", "description": "File a Suspicious Activity Report with FinCEN (covers both banking and brokerage activity)", "parameters": { "type": "object", "properties": { "subject_ids": { "type": "array", "items": { "type": "string" } }, "activity_type": { "type": "string", "enum": [ "banking", "securities" ] }, "narrative": { "type": "string" } }, "required": [ "subject_ids", "narrative" ] }, "requires_confirmation": true } ], "permissions": { "network": { "allowed_hosts": [ "core-banking.meridian.example", "market-surveillance.meridian.example", "fincen.gov" ], "allowed_protocols": [ "https" ], "deny_private": true }, "filesystem": { "allowed_paths": [ { "path": "/data/banking/**", "access": "read" }, { "path": "/data/trading/**", "access": "read" }, { "path": "/data/reports/**", "access": "read_write" } ] } }, "security": { "authentication": { "type": "mtls", "required": true }, "encryption": { "in_transit": { "required": true, "min_version": "1.3" }, "at_rest": { "required": true, "algorithm": "AES-256-GCM" } } }, "data_classification": { "sensitivity": "confidential", "categories": [ "pii", "financial" ], "retention": { "min_days": 1825 }, "handling": { "encryption_required": true, "logging_required": true }, "financial": { "data_types": [ "transaction_data", "nonpublic_personal_info", "market_data", "material_nonpublic_info" ], "pci_applicable": false } }, "financial_data_handling": { "pci_scope": { "in_scope": false }, "data_residency": [ { "jurisdiction": "US", "regulation": "GLBA" }, { "jurisdiction": "EU", "regulation": "MIFID_II" } ] }, "transaction_controls": { "transaction_limits": { "max_single_amount": 10000000, "currency": "USD" }, "pre_execution_controls": { "enabled": true, "price_tolerance_pct": 2, "requires_approval_above": 1000000 }, "kill_switch": { "enabled": true, "trigger_conditions": [ "error_rate_threshold", "anomaly_detection" ], "notification_targets": [ "compliance-team@meridian.example" ] }, "segregation_of_duties": { "enabled": true, "restricted_actions": [ "file_sar" ], "approval_role": "Compliance Officer" } }, "regulatory_scope": { "applicable_regulations": [ "GLBA", "BSA_AML", "BASEL_III", "FINRA", "SEC_REG", "MIFID_II" ], "jurisdictions": [ { "jurisdiction": "US", "regulation": "BSA_AML" }, { "jurisdiction": "EU", "regulation": "MIFID_II" } ], "record_retention": { "min_retention_days": 1825, "tamper_proof": true } }, "financial_risk_management": { "model_risk": { "tier": "tier_2", "validated_by": "Model Risk Committee", "validated_at": "2025-12-15T00:00:00Z", "methodology": "Champion-challenger with backtesting" }, "aml_controls": { "screening_required": true, "monitoring_level": "real_time", "kyc_refresh_days": 365 }, "operational_risk": { "category": "high", "assessed_by": "Operational Risk Committee", "assessed_at": "2025-12-15T00:00:00Z", "capital_reserve": true } }, "autonomy": { "tier": 1, "basis": "Supervised financial-crimes monitoring; all SAR filings require human confirmation.", "classified_by": "Meridian Compliance Team", "classified_at": "2026-01-01T00:00:00Z" }, "compliance_framework": { "primary_framework": "NIST_800_53", "control_mappings": [ { "framework": "NIST", "control_id": "AU-2", "status": "implemented" }, { "framework": "NIST", "control_id": "AC-5", "status": "implemented" }, { "framework": "NIST", "control_id": "SC-13", "status": "implemented" } ] }, "metadata": { "authors": [ { "name": "Meridian Compliance Team", "email": "compliance@meridian.example" } ], "license": "Proprietary", "tags": [ "financial", "banking", "brokerage", "aml", "compliance" ] } } ```