Background Check Summarization

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":

Methodology & Limitations

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

Risk Categorization

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