AI Agents

Context

Built for banking within the AML / KYC stack, this agent runs during onboarding, periodic refresh, and investigation workflows to ensure policy steps and regulatory filings are executed completely and on time. It sits after data and behavior checks so the case advances only when mandated requirements are satisfied and evidenced.

What it does

The agent evaluates the working KYC/AML file against your institution’s rule catalogue—refresh cadence, document and data requirements, screening and escalation steps, approvals, retention windows, and filing triggers—and returns a clear pass/flag outcome with rationale and evidence links. When thresholds or conditions are met, it assembles the required regulatory filing packet from approved templates and normalized case data, populates narratives with the validated facts, and routes the packet to the proper channel for submission/approval. It also tracks statutory timelines and acknowledgments, logs every action, and raises targeted prompts for any missing element so owners can close gaps quickly.

Core AI functions

Policy/rule evaluation over normalized identity, ownership, risk-rating, and activity signals; checklist generation with explicit reason codes; deadline and dependency tracking; template-driven document assembly that pulls only verified fields; cross-record consistency checks to prevent stale or conflicting data in filings; and full lineage from each statement in the packet back to its source page/record.

Problem solved

Regulatory steps are applied inconsistently, filings are assembled ad hoc, and evidence lives across systems—leading to late or incomplete submissions, rework, and audit findings.

Business impact

Reviews and filings become complete, timely, and defensible. Exceptions drop because ask-backs are specific, policy adherence is consistent across portfolios, and audit posture strengthens through end-to-end traceability of what was checked, filed, and when.

Integration and adjacent use cases

Integration complexity: Medium. The agent reads case data and verified artefacts from your AML/KYC workbench and DMS, writes pass/flag outcomes, checklists, and filing packets back to the same workflow, and records acknowledgments—no core replacements required.

It is commonly combined with:

• KYC periodic review validator (to confirm refresh scope and evidence),

• Transactional behavior risk analyzer and Behavioral risk scoring (to incorporate recent activity into rule outcomes), and

• SAR draft generator (to accelerate narrative preparation when a filing threshold is met).