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name: background-check-summary language: en description: Summarizes raw background check data into structured executive reports with risk categorization (GREEN/YELLOW/RED). Use when processing criminal records, court filings, employment/education verification, sanctions screening, or adverse media for pre-employment screening, executive due diligence, or investment-grade investigations.

Background Check Summarization

Transforms raw background check data into a decision-ready summary with risk categorization and compliance flags. Output has three sections: executive summary, detailed findings, and methodology.

Quick Start

1. Identify subject (name, DOB, SSN last 4, search scope)
2. Categorize each check type as Pass / Flag / Pending
3. Assign overall status: GREEN, YELLOW, or RED
4. Surface top 2–3 findings and any compliance flags
5. Append methodology and coverage limitations

Output Structure

Executive Summary

• Subject: Full name, DOB, SSN (last 4), search scope
• Overall Status: GREEN (clear) / YELLOW (requires review) / RED (adverse findings)
• Category Table: Pass/Flag/Pending per check type
• Key Findings: 2–3 most significant items
• Compliance Flags: Jurisdiction-specific requirements

Detailed Findings

Present each category with findings or explicit "No records found":

Category	Key Data Points
Criminal Records (Fed/State/County)	Charges, disposition, date, jurisdiction, sentence
Sex Offender Registry	Status, jurisdiction
Civil Litigation	Case type, role, disposition, damages
Employment Verification	Title (claimed vs. verified), dates, departure reason
Education Verification	Degree (claimed vs. verified), institution, dates
Professional Licenses	Status, disciplinary actions
Sanctions/Watchlist	OFAC, BIS, state debarment
Adverse Media	Source, date, relevance assessment

Methodology & Limitations

State sources searched and gaps (jurisdictions not covered, sealed records, database lag).

Risk Categorization

Status	Criteria	Action
GREEN	No adverse records, all verifications confirmed	Proceed
YELLOW	Minor discrepancies, old/minor offenses, items needing context	Human review required
RED	Significant adverse findings, verification failures, recent serious offenses	Enhanced review / adverse action

Escalation Factors

• Criminal: Felony; violence/fraud/theft-related; recency (<7 yrs); position relevance; pending charges
• Employment: Title inflation; date gaps >3 months; overlapping employment; employer not found
• Education: Degree or institution mismatch; unaccredited institution

Compliance Checks

• FCRA: Adverse action requires pre-adverse notice, report copy, and Summary of Rights — always note this
• Ban-the-Box / Fair Chance: Flag jurisdictions restricting criminal history inquiries at specific hiring stages
• EEOC Guidance: Evaluate criminal history for nature of offense, time elapsed, and job-relatedness
• State lookback limits: Note applicable 7-year or other reportable-record limitations