Kanchi Dividend Review Monitor

Overview

Detect abnormal dividend-risk signals and route them into a human review queue. Treat automation as anomaly detection, not automated trade execution.

When to Use

Use this skill when the user needs:

• Daily/weekly/quarterly anomaly detection for dividend holdings.
• Forced review queueing for T1-T5 risk triggers.
• 8-K/governance keyword scans tied to portfolio tickers.
• Deterministic OK/WARN/REVIEW output before manual decision making.

Prerequisites

Provide normalized input JSON that follows:

• references/input-schema.md

If upstream data is unavailable, provide at least:

• ticker
• instrument_type
• dividend.latest_regular
• dividend.prior_regular

Non-Negotiable Rule

Never auto-sell based only on machine triggers. Always create WARN or REVIEW evidence for human confirmation first.

State Machine

• OK: no action.
• WARN: add to next check cycle and pause optional adds.
• REVIEW: immediate human review ticket + pause adds.

Use references/trigger-matrix.md for trigger thresholds and actions.

Flat-dividend cadence caveat

When T6 is driven only by freeze_flag / latest regular dividend equal to prior regular dividend, treat it as a WARN for cadence confirmation, not as proof of dividend deterioration. Many quarterly dividend payers repeat the same dividend for several quarters between annual raise cycles. In reports, phrase this as “confirm next dividend-growth cadence / pause optional adds until checked” and avoid implying a cut or broken thesis unless T1/T2/T3/T4/T5 evidence also supports escalation.

Monitoring Cadence

• Daily:
  • T1 dividend cut/suspension.
  • T4 SEC filing keyword scan (8-K oriented).
• Weekly:
  • T3 proxy credit stress checks.
• Quarterly:
  • T2 coverage deterioration and T5 structural decline scoring.

Workflow

1) Normalize input dataset