AI Agents

Context

Built for banking in the Commercial onboarding stack, this agent is used when opening business accounts for SMEs and corporates, or when remediating existing files. It focuses on establishing who ultimately owns or controls the customer entity so AML/KYC requirements are met before activation.

What it does

The agent reads the submitted corporate pack (e.g., registers, share certificates, organizational charts, articles, filings) and identifies shareholders and beneficial owners (UBOs) together with their ownership percentages and control markers. It traces direct and indirect holdings across intermediate entities, recognizes nominee or proxy patterns where disclosed, and compiles a structured ownership view with each element linked to its documentary evidence. Where the trail is incomplete, it flags precisely what is missing so the request for additional documents is targeted.

Core AI functions

Document type detection and OCR tuned for corporate registers and filings; entity extraction for people and legal entities with role/percentage capture; graph construction to represent direct and indirect ownership chains; normalization of names, identifiers, and share classes; and cross-document consistency checks (e.g., shareholder list vs. articles vs. certificates). Confidence scoring highlights low-certainty links and creates focused exceptions rather than blocking the entire case.

Problem solved

Establishing UBOs manually is slow and error-prone, especially when documents vary by jurisdiction or include multiple layers. Incomplete or inconsistent evidence drives repeated client outreach and late-stage escalations.

Business impact

Ownership and control are evidenced early and accurately, reducing back-and-forth and accelerating approvals. Files pass audit with clear lineage from each owner to the supporting page, and risk assessment starts from a reliable view of who controls the entity.

Integration and adjacent use cases.

Integration is light–moderate: ingest documents from portal/branch capture, email, or DMS; write the structured ownership graph and evidence links into your onboarding/orchestration layer and KYC record; no core changes required.

Common combinations in this stack include:

• Company identity extractor (to standardize base entity fields),

• Authorized signatory & empowerment validator (to confirm who can act on behalf of the entity),

• Business address & location verifier (to complete firm profile),

• Document cross-check agent (to reconcile names, IDs, and dates across files),

• Jurisdiction-specific KYC validator (to apply local thresholds and rules), and

• Document completeness & clarification agent (to request the exact missing items).