/fsi-compliance-checker

name: fsi-compliance-checker
description: "Maps code, architecture, and infrastructure changes to specific control IDs in PCI-DSS v4.0 and MAS TRM (Singapore financial regulator), producing an audit-traceable findings report with per-control remediation."
category: security
risk: safe
source: community
source_repo: timwukp/agent-skills-best-practice
source_type: community
date_added: "2026-06-12"
author: timwukp
tags: [compliance, pci-dss, mas-trm, fintech, banking, security-review, audit, financial-services]
tools: [claude, cursor, gemini, codex, antigravity]
license: "MIT"
license_source: "https://github.com/timwukp/agent-skills-best-practice/blob/main/LICENSE"

FSI Compliance Checker

Overview

Maps a concrete change (code diff, architecture design, IaC, pipeline config) to the specific controls it touches in financial services compliance frameworks — PCI-DSS v4.0 for payment card data and MAS TRM for Singapore-regulated institutions — and reports gaps with actionable remediation. This is engineering-level compliance triage: it helps teams catch violations before audit, but it does not replace a qualified assessor (QSA) or the institution's compliance function. Say so in every report.

When to Use This Skill

• Use when a change touches payment card data (PAN, CVV, track data) and needs a PCI-DSS check
• Use when reviewing changes at a Singapore-regulated financial institution against MAS TRM expectations
• Use when someone asks "is this compliant", "does logging this violate PCI", or requests a banking-regulation review of a diff, design, or Terraform change
• Do NOT use for generic security review (no framework involved), GDPR/SOC2/HIPAA (out of bundled scope), or legal advice

How It Works

Step 1: Select the framework

Load only the reference file(s) the engagement needs:

| Situation | Load | |-----------|------| | Payment card data is stored, processed, or transmitted | [pci-dss.md](pci-dss.md) | | Singapore-regulated financial institution (bank, insurer, capital markets, major payment institution) | [mas-trm.md](mas-trm.md) | | Both apply (e.g. Singapore bank handling cards) | Both files | | Other jurisdictions/frameworks (SOX, GDPR, HKMA, APRA) | State they are out of scope; offer general secure-engineering review instead |

If the user hasn't said which applies, ask one question: what data does the change touch, and is the institution Singapore-regulated?

Step 2: Scope the change

Identify what the diff/design actually touches: data elements (card data? customer PII? credentials?), trust boundaries, environments (production? DR?), and third parties.

Step 3: Assess applicable controls

Select the applicable controls from the loaded reference file(s) — typically 5-15 controls, not the whole framework. List what you ruled out and why (one line each) so the scoping is auditable. Assess each as `Compliant` / `Gap` / `Needs evidence` (can't tell from the artifact — name the evidence required).

Step 4: Report

Every Gap gets: the control ID, what's wrong in this specific change, concrete remediation, and severity (Critical = violation involving live regulated data; High = control absent; Medium = control partial/undocumented).

# Compliance Review: [change title]
**Frameworks:** [PCI-DSS v4.0 / MAS TRM 2021] · **Date:** [YYYY-MM-DD]
**Scope:** [what was reviewed: files, design doc, pipeline]
> Engineering triage only — not a substitute for QSA assessment or the compliance function.

## Data & Boundary Analysis
- Data elements touched: [e.g. PAN (masked), customer NRIC, none]
- Environments/boundaries: [e.g. CDE-adjacent service, public API]

## Findings
| # | Control | Status | Severity | Finding | Remediation |
|---|---------|--------|----------|---------|-------------|
| 1 | [PCI 3.5.1] | Gap | Critical | [specific issue in this change] | [specific fix] |

## Ruled Out (not applicable)
- [Control area] — [one-line reason]

## Evidence Needed
- [Control]: [what artifact would demonstrate compliance]

Step 5: Offer story conversion

Offer to turn findings into backlog items with the control ID in each story for traceability.

Examples

Example 1: Logging review

**User**: "Is this PCI-DSS compliant: we log the full request body of card authorization calls for debugging?"

**Skill**: Loads pci-dss.md → Critical findings against 3.3.1 (CVV must never be stored post-authorization — logs are storage), 3.4.1 (PAN display masking), 3.5.1 (PAN unreadable at rest); remediation: remove the log line or apply a field-allowlist redaction filter; flags downstream log-pipeline scoping (10.3.x); QSA disclaimer included.

Example 2: Cloud migration

**User**: "Our Singapore bank is moving the customer notification service to a cloud region in another country. MAS TRM implications?"

**Skill**: Loads mas-trm.md → reviews against §11.5 (cloud: due diligence, data residency, exit strategy), flags the MAS Outsourcing Guidelines as a related instrument, asks what customer data the service touches before rating severity.

Common FSI Engineering Triggers

Changes that almost always have compliance impact — check proactively when they appear in a diff:

• Logging statements near payment or authentication flows (PAN/CVV must never be logged; MAS TRM requires security event logging — both directions matter)
• New data stores or caches receiving customer or card data (encryption at rest, retention, residency)
• Authentication/session changes (MFA requirements, session timeout, credential storage)
• New third-party SDKs or API integrations (outsourcing/vendor controls, data flows leaving the boundary)
• Infrastructure changes touching network segmentation, security groups, or public exposure
• CI/CD changes that alter who/what can deploy to production (change management, segregation of duties)

Guardrails

• Cite control IDs precisely (e.g. "PCI-DSS 8.3.6", "MAS TRM 9.1.1") so findings are traceable in audit tooling; the bundled referen