AI Agents

Context

Built for banking within the Garnishment processing stack, this agent runs immediately after a served order is parsed and matched to the right customer/accounts, so only the attachable funds are frozen—on time, in the right amount, and with documented rationale.

What it does

The agent calculates the attachable balance per account at the point of service using product rules and applicable state/federal protections. It classifies recent inflows (e.g., identifiable benefit deposits, wages, government payments) and applies exemption/threshold logic, look-back windows, minimum-balance rules, prior/active order effects, and account-type constraints. It then places and schedules holds (amount, start, expiry/renewal) directly in the processing flow, supports partial freezes and staged releases, and records line-item provenance (transactions considered, protections applied, and the clause/rule that drove each decision).

Core AI functions

Rule evaluation over normalized balances and transactions; source classification of deposits to detect protected funds; snapshot and look-back computations per product/jurisdiction; conflict checks against existing orders; hold orchestration with timers and expiries; and reason-code generation that links each frozen dollar to the underlying entries and rules.

Problem solved

Over- or under-freezing is common with manual calculations—creating regulatory exposure, customer harm, appeals, and rework. Evidence is scattered and decisions are hard to audit.

Business impact

Accurate freezes, fewer reversals, cleaner audits. Holds reflect law and policy on the first pass, downstream remediation drops, cycle time shortens, and every action is defensible with click-through evidence.

Integration and adjacent use cases

Integration complexity: Low to medium. The agent reads balances and recent transactions from the core/ledger and writes hold instructions, expiries, and evidence back to the garnishment case—no core replacement required.

It is commonly paired in this stack with:

• Garnishment order extractor (to structure the order),

• Customer & account matcher (to finalize the in-scope accounts),

• Multi-order prioritization agent (to resolve precedence and stacking),

• Notification & communication generator (to produce customer/agency notices from the same facts), and

• Garnishment exception handler (to manage disputes, protected-fund claims, and corrections).