AI Agents

Context

Built for banking within the Corporate Account Opening stack and used by Corporate Onboarding and Documentation teams, this agent validates group signing rights and expiry before accounts and services go live. It’s triggered when a corporate or group entity provides board resolutions, mandates, and powers of attorney, and the bank needs a clear, policy-aligned answer to “who is actually allowed to sign, and until when?”.

What it does

The agent ingests the authority set for the relationship—board and shareholder resolutions, signature mandates, multi-POA documents, and related governance papers—and turns them into a structured view of signing rights. It identifies which roles and individuals can act (and whether they must sign singly or jointly), the scope of their authority across products and channels, and any monetary or temporal limits. It checks those rights against the bank’s mandate policies and detects expired, overlapping, or contradictory authorities, then highlights the gaps so onboarding teams can correct them before entitlements are set up. The result is a validated authority picture that can be reused across products instead of being reinterpreted from scratch.

Core AI functions

The core capability is policy validation. The agent converts semi-structured authority documents into a machine-readable model of roles, rights, limits, and expiry, then applies bank mandate rules to that model. Wherever the requested setup conflicts with policy or the documents themselves—for example, outdated resolutions or inconsistent signatory lists—it flags the issue with a concise explanation so humans can resolve it quickly.

Problem solved

Conflicting authorities are a classic source of friction and risk in corporate onboarding. Without a systematic validator, different teams interpret the same resolutions differently, expired or overlapping mandates slip through, and it becomes hard to show regulators or auditors why certain individuals were granted access. The agent replaces ad hoc, spreadsheet-based checks with a consistent way of testing authority against policy before accounts, channels, or POAs are activated.

Business impact

The business impact is a clean authority trail. The bank gains a clearer, documented rationale for each approved signatory setup, reducing the risk of unauthorised instructions and mandate-related findings in reviews. Onboarding becomes faster and more predictable because authority issues are caught and standardised early, not rediscovered later when treasury, FX, or other services are added to the relationship.

Integration and adjacent use cases

Integration complexity is medium: the agent needs access to the onboarding/KYC case, the corporate authority documents, and the mandate/entitlement layer where rights are configured, and it writes its structured authority model and validation outcomes back into the onboarding record.

Common combinations in this stack:

• Multi-Entity Legal Identity Extractor to extract and normalise legal data across group entities so authorities are tied to the right legal names and IDs;

• Ownership Structure & UBO Mapping to anchor authority decisions in a clear view of who ultimately owns and controls the entity;

• Compliance Risk Scanner & Jurisdiction Classifier to run PEP/sanctions checks and classify country risk on directors and signatories before finalising mandates;

• Group Document Consistency Cross-Check to detect timeline and naming inconsistencies across group documents that would undermine the authority set; and

• Corporate Onboarding Completeness Agent to act as the final completeness gate with smart prompts for missing apostilles, authority documents, or UBO evidence before the corporate relationship is approved.