📑 Module 6: Regulatory Compliance Report Generator

Create a folder called "compliance-report" in the current workspace. Inside it, create: 1. "regulatory_rules.json" — Compliance rules for 3 markets: Singapore (MAS): - Cash Transaction Report (CTR): transactions >= $20,000 SGD must be reported - Suspicious Transaction Report (STR): multiple transactions just below $20,000 from same customer (structuring) - Cross-border transfers > $5,000 require enhanced due diligence - PEP (Politically Exposed Person) screening required for accounts > $50,000 total volume Malaysia (BNM): - CTR threshold: RM 25,000 - Wire transfers > RM 10,000 require source of funds documentation - Dormant account reactivation requires re-KYC Indonesia (OJK): - CTR threshold: IDR 100,000,000 - E-wallet top-up limit: IDR 10,000,000/month for unverified accounts - Cross-border remittance reporting for all amounts 2. "compliance_transactions.csv" — 500 transactions across all 3 markets: Columns: txn_id, date, customer_id, customer_name, customer_type (individual/corporate), market, amount, currency, txn_type (payment/transfer/top-up/withdrawal), destination_country, is_cross_border, customer_total_volume_ytd, account_status, kyc_status, pep_flag Embed ~40 compliance findings: - 5 transactions above CTR thresholds - 3 structuring patterns (multiple transactions just below threshold) - 4 cross-border transfers missing enhanced due diligence - 2 PEP-flagged customers with high volume - 3 dormant account reactivations without re-KYC - 2 e-wallet top-ups exceeding monthly limits Make all data synthetic but realistic for Southeast Asian fintech operations.

You are a Regulatory Compliance Officer responsible for ensuring AnyCompany's payment operations comply with MAS (Singapore), BNM (Malaysia), and OJK (Indonesia) regulations. You understand CTR thresholds, structuring detection, and PEP screening requirements. Build a Python script called compliance_scanner.py in the compliance-report folder that: 1. Loads regulatory_rules.json and compliance_transactions.csv 2. For each transaction, checks all applicable rules for that market: - CTR threshold check - Structuring detection (3+ transactions within 20% below threshold from same customer in 7 days) - Cross-border enhanced due diligence check - PEP screening check - Market-specific rules (dormant accounts for MY, e-wallet limits for ID) 3. Assigns a finding severity: CRITICAL, HIGH, MEDIUM, LOW 4. For each finding, generates: - Rule reference (e.g., "MAS-CTR-001") - Description of the violation - Recommended action - Regulatory deadline for reporting (if applicable) 5. Prints a summary: - Total transactions scanned per market - Findings by severity and market - Top 5 most critical findings - Compliance score per market (% of transactions with no findings) Use pandas. Install automatically. Run the script.

Add an HTML report generator that creates compliance_report.html in the compliance-report folder: 1. Header: "AnyCompany Financial Group — Regulatory Compliance Report" with report period, generation date, and "CONFIDENTIAL" watermark 2. Executive Summary: - Overall compliance score (% clean transactions) - Total transactions scanned by market - Findings breakdown: CRITICAL (red), HIGH (orange), MEDIUM (yellow), LOW (blue) - Comparison bar chart: findings by market 3. Market-by-Market Sections (one for each: Singapore, Malaysia, Indonesia): - Market compliance score - Applicable regulations checked - Findings table: txn_id, date, customer, amount, rule_violated, severity, recommended_action - Highlight CRITICAL findings with red left border 4. Structuring Analysis Section: - Customers flagged for potential structuring - Transaction pattern visualization (timeline of amounts) 5. Remediation Tracker: - Table of all findings with columns: finding_id, severity, rule, status (Open), assigned_to (blank for manual assignment), due_date 6. Footer: "This report is generated for internal compliance purposes. Report ID: [auto-generated]" Professional theme: dark navy header, white content, green accents for passing indicators. Open in browser after generating.

Create three separate CSV files for regulatory submission: 1. sg_ctr_report.csv — All Singapore CTR-reportable transactions in MAS format 2. my_compliance_findings.csv — All Malaysia findings in BNM format 3. id_ojk_report.csv — All Indonesia findings in OJK format Also create a compliance_summary.csv with all findings across markets for the internal compliance team.