Fintech: Merchant Underwriting Review with Codex: SKILL.md Template
A production playbook for merchant underwriting review in fintech operations using Codex: skill.md template, run-scoped inputs, logs, typed results, and artifacts.
Audience: Fintech risk teams underwriting merchants
The problem
Fintech risk teams underwriting merchants need merchant underwriting review to run repeatedly against applications, bank statements, websites, KYC docs, and risk policies. In fintech operations, the pain is not one good answer; it is repeatability, auditability, exception handling, and evidence that survives handoff.
Implementation path
Put the operating procedure in SKILL.md, keep examples beside the skill, attach applications, bank statements, websites, KYC docs, and risk policies per run, and let Argo turn the folder into a repeatable Codex execution.
Tradeoffs and failure modes
A skill folder is less flexible than an open chat, but it gives the product a versioned workflow that can be tested and rolled back. For merchant underwriting review, the practical test is whether a second run can be debugged, retried, and consumed by a product without reading the raw agent transcript.
SKILL.md starter
# SKILL.md
You run merchant underwriting review using Codex.
Read only /skill/.argo/inputs.
Write artifacts to /skill/output/artifacts.
Return argo.result.v1 with body.type = "fintech_underwriting_review".
Run this on Argo