AI Agents

Context

Built for banking within the Garnishment Processing stack and used mainly by Ops and Legal teams, this agent activates when a customer has more than one garnishment order in play—new, existing, or expired. Its job is orchestration: decide which orders take priority, in what sequence they should be served, and how to handle timing and expiry so execution is clean and consistent with law and policy.

What it does

The agent takes the structured garnishment orders already on file for a debtor—newly arrived, in-force, and recently expired—and arranges them according to the applicable priority rules (e.g., order type, jurisdictional hierarchy, effective date, expiry date, and internal bank policy). It checks for overlaps and conflicts between orders, identifies which ones should be served first and which should wait, and ensures that expired or fully satisfied orders are not allocated any further funds. The output is a clear, time-ordered execution plan for each customer: which order is active now, which ones are queued, and what happens when the current one is satisfied or expires. This plan is written back into the garnishment case so every handler sees the same sequence instead of recalculating it.

Core AI functions

The agent performs orchestration across orders: it ingests structured order data, applies priority and timing rules defined by Legal and Compliance, and resolves conflicts between overlapping or outdated instructions. It focuses on correctly and repeatably applying those rules to live garnishment cases, turning what is often a judgement call into a system-driven sequence that can be traced and audited.

Problem solved

Without this agent, overlapping and expired orders are managed manually—often via spreadsheets or local notes—which is exactly where mistakes creep in. An expired order may still receive funds, a lower-priority order may be served before a higher-priority one, or a satisfied order may not be closed out promptly. Each misstep creates legal exposure, rework, and customer disputes. The agent removes that uncertainty by turning “which order comes first, and until when?” into a consistent, rule-based decision.

Business impact

The primary benefit is clean execution: orders are served in the right sequence, expired or satisfied instructions stop consuming operational attention, and Legal has a defensible, repeatable chain of decisions for each customer. That reduces rework, internal escalations, and audit findings, while also lowering the risk of paying the wrong party at the wrong time. It is particularly valuable for Tier 1–2 banks that see higher volumes of complex, multi-order situations and more scrutiny from regulators and courts.

Integration and adjacent use cases

Integration complexity is low to medium: the agent needs access to the bank’s structured garnishment orders for a debtor, the rule repository that encodes priority and timing logic, and the garnishment case record where the execution plan is stored and maintained.

Common combinations in this stack:

• Garnishment Order Extractor to parse inbound court orders and turn them into structured records that can be prioritized;

• Customer & Account Matcher to ensure the right debtor and accounts are associated with each order before sequencing;

• Funds Availability & Freezing Agent to calculate the enforceable balance and apply freezes once the current priority order is known;

• Notification & Communication Generator to translate the execution plan and status into letters and notices for customers, employers, and authorities; and

• Garnishment Exception Handler to catch edge cases—such as conflicting instructions, non-supported jurisdictions, or disputed orders—and route them to specialists with the full, prioritized context attached.

Together, these agents form an end-to-end garnishment orchestration flow that runs on top of existing systems while keeping execution precise, auditable, and predictable.