AI Agents

Context

Built for banking within the Garnishment Processing stack and owned primarily by Ops / Servicing, this agent focuses on one thing: taking garnishment decisions and turning them into the right letters and notices for customers and authorities. It sits downstream of the decisioning agents and makes sure communication is fast, consistent, and traceable, instead of being written manually case by case.

What it does

The agent reads the garnishment case record—who the debtor is, what order applies, what amounts are being frozen or remitted, and what the current status is—and selects the appropriate template for that scenario. It then generates the actual letter or notice, filling in the amounts, dates, references and key explanations, and prepares it for the bank’s existing channels (print, email, secure inbox, etc.). Every generated communication is logged against the case so Servicing teams can see exactly what was sent and when, without hunting through shared drives or email threads.

Core AI functions

At its core, this agent does template generation: it maps structured garnishment data into approved communication templates, generates the text with the correct figures and references, and enforces standard wording and structure across all cases. Instead of Ops staff copy-pasting and editing old letters, the agent turns “case data + template” into a clean, ready-to-send document in one step.

Problem solved

Today, most garnishment communication is drafted manually, which creates manual drafting overhead on Servicing teams and leads to inconsistent wording, missing details, and version sprawl (“which letter did we use last time?”). That slows down responses to customers and authorities and makes it harder to reconstruct the communication trail when a case is disputed or audited. The agent removes that manual drafting work and replaces it with a standard, system-driven way of producing letters directly from the case data.

Business impact

The primary impact is speed and consistency: letters and notices go out faster because they are generated automatically, and they all follow the same approved structure and language. That cuts servicing time per case, reduces avoidable back-and-forth caused by unclear communication, and makes it easier for teams to work cases interchangeably because everyone sees the same style and level of detail in the letters attached to a file. It is especially valuable for Tier 1–2 banks with higher garnishment volumes and tighter expectations around response times.

Integration and adjacent use cases

Integration complexity is low: the agent needs access to the garnishment case data and to the bank’s communication templates, plus a way to hand off generated letters to existing outbound channels or a CCM system and log them back to the case.

Common combinations in this stack:

• Garnishment Order Extractor to ensure the initial order details and references are captured correctly and can be reused in letters;

• Customer & Account Matcher to guarantee that generated communications point to the right debtor and accounts;

• Funds Availability & Freezing Agent to supply the precise frozen amounts and key dates that must appear in customer and authority notices;

• Multi-Order Prioritization Agent to reflect which order is currently being served when multiple orders exist; and

• Garnishment Exception Handler to log and trigger tailored communications in disputed, incomplete, or non-standard cases, where the same template engine is used but with extra case logging and specialist review before sending.

Together, these agents create an end-to-end garnishment flow where decisions and communications are tightly linked and fully recorded.