assess_industry_risk
Classify a business industry for AML risk, returning a risk tier (PROHIBITED, STATE_CONDITIONAL, ELEVATED, STANDARD) to determine compliance actions.
Instructions
Classify a business industry for AML risk. Returns one of PROHIBITED (hard gate — decision must be FAIL), STATE_CONDITIONAL (e.g. cannabis — legality depends on state, drive ESCALATE), ELEVATED (allowed with enhanced due diligence), or STANDARD. Call for every business applicant. Pass the state so cannabis can be resolved correctly.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| industry | Yes | Free-text industry description, e.g. 'firearms retailer'. | |
| naics | No | Optional NAICS code if known. | |
| state | No | US state of operation (2-letter), needed to resolve state-conditional industries. |