AI Agents

Context

Built for banking within the Trade Finance Invoice Factoring stack and used by Trade Finance / Procurement teams, this agent focuses on a specific risk point: validating that the supplier behind a financed invoice is a real, permitted counterparty with a valid contract in place. It’s triggered when invoices are submitted for factoring and the bank needs comfort that it is not financing flows from shell, blocked, or otherwise non-acceptable suppliers.

What it does

The agent takes the supplier’s contract and identity pack—supplier master data, registry extracts, contracts or framework agreements, and internal vendor records—and checks that the supplier exists, is in good standing, and is permitted under your policies. It validates basic identity details (legal name, registration number, status), compares them against corporate registries and internal vendor lists, and confirms that an active contract or approved vendor relationship exists for the buyer–supplier pair. Where it detects red flags—dissolved or blocked entities, name mismatches, expired contracts, or suppliers not on the approved list—it flags the case so the invoice is not treated as business-as-usual collateral.

Core AI functions

The core capability is registry and contract checks: the agent reads supplier contracts and registry outputs, extracts legal identifiers and status, and reconciles them with internal vendor and sanction/blocked-party information. It turns what is often a manual, document-by-document verification into a structured, repeatable control over supplier identity and eligibility.

Problem solved

Without this agent, shell entities, blocked suppliers, or unapproved vendors can sit behind financed invoices because supplier checks are partial, manual, or assumed to have been handled upstream. That exposes the bank to AML, sanctions, and credit risk, and makes it harder to justify exposures when something goes wrong. The agent closes this gap by systematically validating supplier identity and contract status before factoring funds are advanced.

Business impact

The primary impact is lower supplier risk in the factoring book. By filtering out shell or blocked suppliers and enforcing “only contracted/approved vendors” at the point of financing, the bank improves the quality of its counterparties, reduces regulatory and reputational exposure, and strengthens its trade finance risk controls—without requiring every analyst to re-build the same checks manually.

Integration and adjacent use cases

Integration complexity is medium: the agent needs access to trade finance cases, supplier and vendor master data, corporate registry/identity sources, and contract repositories, then writes its validation status and findings back into the factoring workflow.

Common combinations in this stack:

• Invoice Eligibility Validator to confirm invoice authenticity and overall eligibility before supplier checks;

• Line-Item Subsidy Filter to apply program eligibility at invoice line level once the supplier is validated;

• Supporting Documents Completeness (Trade) to ensure purchase orders and delivery notes are present and correctly linked;

• Delivery Confirmation Verifier to confirm goods were actually delivered to the right buyer before funds are released; and

• Trade Finance Exception Handler to collect red flags from all these agents—invoice, documents, delivery, supplier—and route unclear or high-risk packs to specialists with a consolidated view of issues and suggested next steps.