AI Agents

Context

Designed for banking in the Commercial onboarding stack, this agent is used when SME and corporate customers span multiple countries or states, each with its own KYC thresholds, document types, and retention rules. It sits after core data is extracted and reconciled, ensuring the case aligns with local requirements before risk review and approval.

What it does

The agent applies the country- or state-specific KYC rule set to the case: it checks that required identity fields are present and correctly formatted, verifies that the right documents have been provided (and are in-date), confirms ownership/UBO thresholds and declarations for the jurisdiction, and validates any mandated statements or attestations. It then returns a clear pass/flag outcome per rule with links to the exact document and field used, and generates focused prompts for any missing or non-conformant item so the ask-back is precise.

Core AI functions

Document/type recognition and OCR tuned to common KYC proofs; field normalization for names, IDs, dates, and addresses; rule evaluation against a jurisdictional catalogue (thresholds, required proofs, expiry windows, wording requirements); exception generation with reason codes (e.g., “proof of address older than allowed window,” “UBO declaration missing at X% threshold”); and confidence scoring that routes only material gaps to human review. Version awareness keeps the rule set current as regulations change.

Problem solved

KYC failures often come from inconsistent application of local rules—wrong document type, outdated proof, or missing UBO evidence—leading to back-and-forth, late rework, and avoidable findings in audits.

Business impact

Cases move forward without last-mile surprises: policy compliance improves, exceptions drop, approvals arrive faster, and audit readiness strengthens thanks to clause-level evidence and explicit reason codes.

Integration and adjacent use cases

Integration is light–moderate: the agent reads the reconciled case record and documents from your onboarding/orchestration layer or DMS and writes rule outcomes, evidence links, and prompts back to the same flow—no changes to cores.

It is commonly paired with:

• Company identity extractor,

• Shareholder & beneficial ownership validator,

• Authorized signatory & empowerment validator,

• Business address & location verifier,

• Document cross-check agent, and

• Document completeness & clarification agent to ensure inputs are correct before jurisdictional checks run and to resolve any gaps immediately.