AI Agents

Context

Built for banking in the financial crime risk assessment / AML KYC stack, this agent runs in ongoing surveillance for retail and commercial accounts. Typical scenarios include daily monitoring of current accounts and cards, periodic KYC refresh where behavior informs risk, and triage when investigators need clear, behavior-led reasons to review a customer.

What it does

The agent analyzes recent account activity to identify risky transactional behavior with an explainable rationale. It tracks changes in cash deposits and withdrawals, velocity and value bursts, new or atypical counterparties, geography and channel shifts, and sequences that align with known abuse patterns. When thresholds are met, it issues a risk signal with a concise reason summary and links to the underlying transactions, so investigators can see what changed and why it matters without reconstructing the trail.

Core AI functions

Per-customer baselining and peer cohorting establish what “normal” looks like; anomaly detection surfaces sustained or sudden deviations; engineered features capture velocity, amount distribution, cash intensity, counterparty mix, geography, and channel usage; and policy overlays convert findings into human-readable reason codes (for example, sub-threshold cash structuring patterns or rapid proliferation of new payees). Scores and thresholds are calibrated to your queues.

Problem solved

Static rules fire generic alerts and miss context, forcing teams to sift through noise and manually rebuild patterns. This agent consolidates meaningful behavior change into a single, explainable signal that points investigators to the right customers first.

Business impact

Reviews become more targeted, emerging risks surface earlier, and every case begins with defensible rationale. Productivity improves, false positives are reduced, and evidence is easier to audit—supporting AML outcomes while focusing effort where it counts.

Integration and adjacent use cases

Integration is moderate: the agent reads transactional feeds and basic customer profiles from your warehouse or streaming bus and writes risk signals, scores, and reasons into your surveillance or case-management system; no core replacement is required.

Common combinations in this stack:

• KYC periodic review validator (to ensure refresh packs reflect current risk),

• Regulatory rule compliance & filing (to enforce required steps when risk crosses policy thresholds), and

• SAR draft generator (to accelerate mandated summaries when filing is required).