--- name: cross-lob-overlap-identifier description: "Analyzes a portfolio of concurrent regulatory initiatives to surface conflicts, overlaps, and coverage gaps across Lines of Business and jurisdictions, producing an overlap matrix, a conflict register, a gap inventory, and prioritized consolidation recommendations. Use when multiple regulatory programmes are running at once and you need to find where they collide, duplicate effort, or leave requirements uncovered across LOBs and legal entities." argument-hint: "[initiative-list] [lob-and-jurisdictions]" allowed-tools: ["Read"] --- # Cross-LOB Overlap Identifier ## Purpose Surface where concurrent regulatory initiatives collide, duplicate, or leave gaps across Lines of Business and jurisdictions — producing an overlap matrix, conflict register, gap inventory, and a ranked consolidation plan so a programme office can eliminate rework, resolve requirement conflicts, and evidence full coverage before an examiner does it for you. ## When to Use Invoke this skill when the user asks to: - Map overlaps and dependencies across multiple regulatory programmes running concurrently - Find where two or more initiatives touch the same LOB, system, control, or data source - Identify conflicting requirements between regulations across different jurisdictions - Detect coverage gaps where no initiative owns a regulatory obligation - Consolidate duplicated build or remediation effort across LOBs into shared workstreams - Prepare a cross-programme dependency view for a steering committee or regulator ## Inputs Required Before starting, collect: - **Initiative list**: Each regulatory programme in scope — name, driving regulation, and target milestone/deadline - **Lines of Business affected**: The LOBs each initiative touches (e.g., Retail, Wealth, Markets, Commercial, Treasury) - **Jurisdictions**: Legal entities and regulators in scope per initiative (e.g., UK/PRA, EU/ECB, US/OCC, APAC/MAS) - **Impacted domains per initiative**: Systems, data sources, controls, policies, or processes each initiative changes (as known) - **Ownership**: Who owns each initiative and each affected LOB — sponsor and delivery lead - **Known constraints**: Shared resources, frozen change windows, or platform dependencies - **Current status**: Delivery stage of each initiative (scoping / build / testing / live) If impacted-domain detail is incomplete for some initiatives, proceed on the information given and flag those initiatives as "low-confidence — requires domain mapping" in the output. ## Instructions ### Step 1: Normalize the Initiative Inventory Build a clean baseline before any comparison. - Restate each initiative as: **[Initiative] — [driving regulation] — [jurisdictions] — [LOBs] — [impacted domains] — [status] — [milestone]** - Standardize LOB and jurisdiction naming so the same entity is labeled identically across initiatives (inconsistent labels hide real overlaps) - Flag any initiative missing LOB, jurisdiction, or domain data as low-confidence - Note initiatives sharing a milestone window within 90 days — these carry the highest collision risk ### Step 2: Build the Overlap Matrix Construct an initiative-by-initiative grid to expose intersection points. - For every pair of initiatives, record shared dimensions across four axes: **LOB**, **Jurisdiction**, **System/Data**, **Control/Policy** - Score each pairing's overlap intensity: **None / Low (1 shared axis) / Medium (2 axes) / High (3+ axes)** - For every Medium and High pairing, name the specific shared object (e.g., "both change the same client-onboarding control in Wealth UK") - Highlight three-way-or-more clusters — where a single LOB, system, or control is touched by three or more initiatives simultaneously (these are the top rework and change-freeze risks) ### Step 3: Build the Conflict Register Distinguish overlap (shared surface) from conflict (incompatible demands on the same surface). Classify each conflict by type: - **Requirement conflict**: Two regulations mandate incompatible outcomes on the same object (e.g., data-retention minimum vs. data-minimization deletion) - **Sequencing conflict**: Initiative B depends on a change Initiative A hasn't delivered, or both must alter the same object in the same window - **Resource conflict**: Same platform, team, SME, or change window claimed by multiple initiatives concurrently - **Interpretation conflict**: Same obligation read differently across jurisdictions or LOBs, producing divergent builds For each conflict record: the conflicting initiatives, the specific object in contention, jurisdictions involved, severity (**Critical / High / Medium**), and a recommended resolution owner. ### Step 4: Build the Gap Inventory Find obligations that no initiative currently owns. - Cross-check each in-scope regulatory obligation against the initiative that should own it - Flag gaps of two types: **Coverage gap** (obligation with no owning initiative) and **Jurisdictional gap** (obligation covered in one entity but silently unaddressed in another that is equally in scope) - For each gap, state the exposed LOB(s), the jurisdiction, and the likely consequence if unaddressed (finding, breach, remediation) - Rank gaps by regulatory exposure severity and proximity of the relevant deadline ### Step 5: Prioritized Consolidation & Resolution Plan Turn findings into ranked action. Produce a ranked list of actions scored by **exposure severity × number of initiatives/LOBs affected × deadline proximity**. Each action states: 1. What to do (consolidate duplicated build / resolve a specific conflict / close a named gap / establish a shared workstream) 2. Which initiatives and LOBs it affects 3. The recommended owner (programme-level vs. LOB-level) 4. The decision required and by when Explicitly call out consolidation opportunities: where two or more initiatives building against the same object should be merged into a single shared workstream to remove duplicated effort. ## Output Format - **Structure**: Normalized inventory → Overlap matrix (table) → Conflict register (table) → Gap inventory (table) → Prioritized consolidation plan (ranked list) - **Length**: 1,000–1,400 words plus tables - **Format**: Structured document — tables for the matrix, register, and gap inventory; ranked numbered list for the action plan - **Sections**: Initiative Inventory → Overlap Matrix → Conflict Register → Gap Inventory → Prioritized Consolidation Plan - **Tone**: Programme director — precise, evidence-led, decision-forcing; every finding names the specific object in contention and a named owner, never a generic "review dependencies" ## Quality Checklist Before delivering output, verify: - [ ] Every initiative pairing has an overlap score (None/Low/Medium/High) — the matrix has no blank cells - [ ] Every Medium and High overlap names the specific shared object (control, system, data source, or policy) - [ ] Each conflict is classified by type (requirement / sequencing / resource / interpretation) and assigned a severity and resolution owner - [ ] The gap inventory distinguishes coverage gaps from jurisdictional gaps and names the exposed LOB and jurisdiction for each - [ ] Consolidation plan is ranked by exposure × breadth × deadline — not listed arbitrarily - [ ] Low-confidence initiatives (incomplete input data) are flagged, not silently treated as fully mapped ## Notes - The most dangerous findings are jurisdictional gaps — an obligation cleanly handled in the home entity but silently unaddressed in a subsidiary is the classic source of cross-border findings - Three-or-more-way clusters on a single control or system are where change-freeze collisions and rework concentrate; treat these as steering-committee escalations regardless of individual severity - Overlap is not automatically bad — a Medium overlap with aligned requirements is a consolidation opportunity, while a Low overlap with a requirement conflict is more urgent; score the conflict, not just the surface area - If two initiatives share a milestone within 90 days and a High overlap, surface the sequencing conflict first — it is the fastest path to a missed regulatory deadline --- ## How to use this skill This file is a Claude Code skill in [Anthropic's standard format](https://docs.anthropic.com/en/docs/claude-code/skills) — markdown with YAML frontmatter at the top. **Installing in Claude Code:** - `~/.claude/skills//SKILL.md` — auto-loads in every session anywhere on your machine (recommended for skills you'll use across multiple projects) - `/.claude/skills//SKILL.md` — auto-loads only when working in that project (recommended for project-specific skills) Restart Claude Code or open a new session to register. **Using in Claude.ai, ChatGPT, Gemini, or other AI tools:** 1. 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