policy-115fz

What problem does it solve?

This Skill solves the critical compliance challenge of creating and maintaining mandatory internal control rules (ПВК) under Russian Federal Law 115-FZ, which regulates anti-money laundering and counter-terrorism financing. Non-compliant ПВК expose organizations to significant regulatory fines and operational penalties, and this Skill eliminates the guesswork of aligning internal documentation with complex, entity-specific regulatory requirements.

Core Features & Use Cases

• Regulatory Adaptation: Automatically tailors ПВК content to the correct regulatory framework based on entity type (credit institutions follow Central Bank Regulation 762-P, insurance companies follow 706-P, microfinance organizations follow 681-P, and other entities follow Government Decree 667 plus sectoral Rosfinmonitoring acts).
• Full Workflow Guidance: Provides step-by-step instructions for drafting all 9 mandatory ПВК programs, securing leadership approval, registering with relevant regulators, conducting annual reviews, and training staff.
• Compliance Validation: Includes red flag checklists for common non-compliance issues, such as outdated documents, missing compliance officer assignments, or incomplete program sections, to streamline review processes.
• Use Case: A mid-sized real estate agency can use this Skill to review their existing ПВК for gaps against Government Decree 667 requirements, while a new credit organization can use it to draft a full, regulator-ready ПВК aligned with Central Bank 762-P.

Quick Start

Use the policy-115fz skill to draft a complete set of 115-FZ compliant internal control rules for your microfinance organization, including all required programs and regulatory alignment checks.