Compliance Checker Expert compliance assessment agent that evaluates regulatory compliance across business operations, identifies gaps, and provides remediation guidance. Specializes in financial regulations, tax compliance, employment law, data privacy, and industry-specific requirements. This skill applies comprehensive compliance frameworks to help organizations identify risks, meet regulatory requirements, and prepare for audits. Perfect for startups scaling up, compliance reviews, and risk assessments. Disclaimer: This skill provides general compliance guidance. Always consult qualified legal and compliance professionals for specific regulatory advice. Core Workflows Workflow 1: Business Compliance Assessment Objective: Comprehensive compliance review for business operations Steps: Business Profile Analysis Entity type (LLC, Corp, etc.) Industry and sector Geographic presence (states, countries) Revenue and employee count Business model (B2B, B2C) Customer base characteristics Corporate Compliance Checklist Entity Formation: Articles of incorporation/organization filed Operating agreement or bylaws in place EIN obtained from IRS State registrations current Corporate Governance: Board meetings conducted (if applicable) Meeting minutes maintained Annual reports filed Franchise tax paid Registered agent current Foreign Qualification: Registered in states where "doing business" Annual filings current in each state State tax obligations met Financial Compliance Checklist Tax Compliance: Federal income tax returns filed State income tax returns filed Sales tax collection and remittance Payroll tax deposits and filings 1099s and W-2s issued Accounting Standards: Appropriate accounting method (cash/accrual) Revenue recognition compliant Financial statements prepared Audit requirements met (if applicable) Employment Compliance Checklist Hiring: I-9 verification completed E-Verify (if required) Background check compliance Employment agreements in place Compensation: Minimum wage compliance Overtime pay compliance Equal pay compliance Worker classification correct Workplace: Anti-harassment policy EEO compliance OSHA requirements (if applicable) Workers' compensation insurance State-specific requirements Data and Privacy Compliance Data Protection: Privacy policy published Data collection disclosed Cookie consent (if applicable) CCPA compliance (CA) GDPR compliance (EU) Data Security: Security measures documented Breach notification procedures Data retention policies Vendor due diligence Compliance Gap Analysis Identify missing requirements Prioritize by risk level Create remediation timeline Assign ownership Deliverable: Comprehensive compliance assessment with gap analysis Workflow 2: Financial Regulations Compliance Objective: Ensure compliance with financial regulatory requirements Steps: Anti-Money Laundering (AML) Bank Secrecy Act Requirements: Know Your Customer (KYC) procedures Customer due diligence (CDD) Enhanced due diligence (high-risk) Suspicious Activity Reports (SARs) Currency Transaction Reports (CTRs) OFAC Compliance: Sanctions screening Blocked persons list checks Country restrictions Payment Processing Compliance PCI-DSS (Credit Cards): SAQ completed Security requirements met Quarterly vulnerability scans Annual compliance validation Money Transmitter Licensing: State licensing (if applicable) Federal registration (FinCEN) Surety bond requirements Investment Regulations Securities Compliance: Registration requirements Exemptions utilized properly Accredited investor verification Blue sky compliance (state) Investment Advisor: SEC or state registration Form ADV requirements Fiduciary duty compliance Industry-Specific Financial Regulations Banking: Federal Reserve, FDIC, OCC Insurance: State insurance commissions Real Estate: RESPA, Fair Housing Mortgage: TILA, RESPA, HMDA Deliverable: Financial regulation compliance checklist Workflow 3: Employment Law Compliance Objective: Ensure compliance with employment laws and regulations Steps: Federal Employment Laws Fair Labor Standards Act (FLSA): Minimum wage ($7.25 federal) Overtime (1.5x after 40 hours) Exempt vs non-exempt classification Child labor restrictions Record-keeping requirements Equal Employment Opportunity: Non-discrimination policies Reasonable accommodations (ADA) Religious accommodations Age discrimination (40+) Family and Medical Leave (FMLA): 12 weeks unpaid leave Eligibility criteria (50+ employees) Job protection provisions State Employment Laws Higher minimum wages Paid sick leave requirements Paid family leave At-will employment modifications Non-compete restrictions Ban-the-box laws Salary history bans Worker Classification Employee vs Contractor Tests: IRS 20-factor test ABC test (California AB5) Economic reality test Misclassification Risks: Back taxes and penalties Benefits claims Workers' comp liability Unemployment insurance Payroll Compliance W-4 forms collected Federal withholding correct State withholding correct FICA taxes withheld Payroll tax deposits timely Quarterly 941 filings Year-end W-2s and W-3s Workplace Safety OSHA requirements Safety training Injury reporting Hazard communication Deliverable: Employment compliance audit with remediation plan Workflow 4: Data Privacy Compliance Objective: Ensure compliance with data privacy regulations Steps: Data Inventory What personal data is collected How data is collected Where data is stored Who has access How long data is retained How data is shared/sold CCPA/CPRA Compliance (California) Applicability Thresholds: $25M+ annual revenue, OR 100K+ consumers/households, OR 50%+ revenue from selling data Requirements: Privacy policy with required disclosures "Do Not Sell My Info" link (if selling) Consumer rights mechanisms Service provider agreements Training and record-keeping GDPR Compliance (EU) Applicability: Processing EU resident data Offering goods/services to EU Monitoring EU individuals Requirements: Lawful basis for processing Privacy notice requirements Data subject rights mechanisms Data Protection Officer (if required) Data Processing Agreements Cross-border transfer mechanisms Breach notification (72 hours) Industry-Specific Privacy HIPAA (Healthcare): Privacy Rule compliance Security Rule compliance Business Associate Agreements FERPA (Education): Student records protection Parent/student consent GLBA (Financial): Privacy notice requirements Safeguards Rule Pretexting protections Privacy Program Development Privacy policy drafting Cookie consent implementation Data subject request handling Vendor assessment process Incident response plan Deliverable: Data privacy compliance assessment with remediation roadmap Workflow 5: Audit Preparation Objective: Prepare for external compliance audit Steps: Audit Scope Definition Type of audit (financial, compliance, operational) Regulatory basis Time period covered Specific requirements Documentation Gathering Corporate Documents: Formation documents Governance documents Meeting minutes Ownership records Financial Documents: Financial statements Bank statements Tax returns Payroll records Operational Documents: Policies and procedures Contracts and agreements Licenses and permits Insurance certificates Internal Assessment Self-audit checklist Gap identification Pre-audit remediation Document organization Control Testing Review internal controls Test control effectiveness Document control weaknesses Implement improvements Audit Readiness Checklist All documents organized Key personnel briefed Questions anticipated Response team identified Timeline understood Workspace prepared Deliverable: Audit preparation package with documentation checklist Quick Reference Action Command/Trigger Business compliance "Check business compliance" Financial regulations "Review financial compliance" Employment law "Check employment compliance" Data privacy "Assess privacy compliance" Audit prep "Prepare for compliance audit" Gap analysis "Identify compliance gaps" Compliance Thresholds By Employee Count Threshold Requirements Triggered 1+ I-9, W-2, basic employment law 4+ EEO-1 reporting (with federal contracts) 11+ OSHA 300 logs 15+ Title VII, ADA, GINA 20+ ADEA, COBRA (state varies) 50+ FMLA, ACA employer mandate 100+ EEO-1 reporting, WARN Act By Revenue/Data Threshold Requirements $25M+ (CA) CCPA compliance 50K+ contacts Potential GDPR DPO PII collection Privacy policy required Payment processing PCI-DSS Compliance Calendar Template

Annual Compliance Calendar

Monthly

Payroll tax deposits

Sales tax remittance

Recurring filings

Quarterly

[ ] Q1: Quarterly payroll returns (941)

[ ] Q2: Quarterly payroll returns (941)

[ ] Q3: Quarterly payroll returns (941)

[ ] Q4: Quarterly payroll returns (941)

[ ] Estimated tax payments (if applicable)

Annual

[ ] Jan 31: W-2s and 1099s due

[ ] Mar 15: S-Corp/Partnership returns due

[ ] Apr 15: C-Corp returns due (calendar year)

[ ] Annual report filings (varies by state)

[ ] Franchise tax payments

[ ] Insurance renewals

[ ] Contract renewals

[ ] Policy reviews

State-Specific [Add state-specific deadlines] Best Practices Compliance Program Designate compliance officer Document policies and procedures Train employees regularly Monitor regulatory changes Conduct periodic assessments Record Keeping Maintain organized files Follow retention schedules Implement backup systems Control access appropriately Risk Management Identify compliance risks Prioritize by impact Implement controls Monitor effectiveness Report to leadership Integration with Other Skills Use with tax-strategist : Tax compliance alignment Use with contract-analyzer : Contract compliance review Use with financial-reporter : Regulatory reporting Use with accounts-reconciler : Financial audit support Use with billing-manager : Billing compliance Common Pitfalls to Avoid Assuming one-size-fits-all: State laws vary significantly Ignoring threshold triggers: Requirements change with growth Delayed compliance: Proactive is cheaper than reactive Poor documentation: If it's not documented, it didn't happen Overlooking updates: Regulations change frequently DIY complex matters: Know when to get professional help Compliance theater: Policies must be implemented, not just written Siloed compliance: Integrate across departments Disclaimer This skill provides general compliance information only. Regulations vary by jurisdiction and change frequently. Always: Consult qualified legal counsel for specific situations Verify current requirements with regulatory authorities Consider your complete business context Implement appropriate professional oversight