{
  "composer_url": "https://ainumbers.co/chaingraph/chains/vendor-onboarding-ubo-screening-check.html",
  "description": "Screen a vendor's ultimate beneficial owners in four independent stages: first compute 25% UBO ownership from caller-supplied ownership structure under the FinCEN Customer Due Diligence rule (ART-268, bank KYB, not CTA/BOI beneficial ownership reporting and not the OFAC 50% rule); then screen caller-supplied persons against a caller-supplied private test list, never live sanctions data (ART-413, the screened list stays private); then assemble the screening evidence pack from caller-supplied run facts (ART-585); then a session receipt aggregating the run's execution hashes (CRY-05). All ownership, screening, and evidence facts are caller-supplied; findings are arithmetic findings, never compliance determinations. Federal only, not legal advice.",
  "domain": "Financial Crime & KYC",
  "name": "vendor-onboarding-ubo-screening-check",
  "regulatory_basis_decided_at": "2026-10-23",
  "regulatory_basis_decided_by": "CHAIN-COMPOSE-VOU-1",
  "regulatory_basis_status": "not_assessed",
  "regulatory_refs": [
    "31 CFR 1010.230 (FinCEN CDD Rule)"
  ],
  "sequence_not_statutory": true,
  "steps": [
    {
      "handoff": "Computes 25% ultimate beneficial owners from caller-supplied ownership structure under the FinCEN Customer Due Diligence rule (bank KYB; not CTA/BOI reporting, not the OFAC 50% rule)",
      "tool_id": "art-268-compute-cdd-ownership-25pct"
    },
    {
      "handoff": "Screens caller-supplied persons against a caller-supplied private test list (never live sanctions data; the screened list stays private)",
      "tool_id": "art-413-screen-sanctions-private"
    },
    {
      "handoff": "Assembles the sanctions screening evidence pack from caller-supplied run facts",
      "tool_id": "art-585-sanctions-screening-evidence-pack"
    },
    {
      "handoff": "Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)",
      "tool_id": "cry-05-agent-action-audit-trail-aggregator"
    }
  ],
  "title": "Vendor Onboarding UBO Screening Check"
}