From KYC to credit decisioning — AI that understands financial regulation, not just financial data. The banking ontology encodes the entities, workflows, and regulatory vocabulary your teams already work in.
The model was never the hard part. Encoding the workflow, the regulation, and the review step a human still has to sign — that is the hard part.
38 banking agent definitions across retail, commercial, investment, and risk/compliance. Part of 26 industry modules (2 runtime-wired today) with 700+ AI agents.
AML/BSA programs absorb most of an analyst team’s capacity on transaction monitoring, SAR filings, and CDD reviews. Every false positive alert burns time. Every missed alert burns trust.
Compliance load grows with transaction volume, and the volume does not compress on its own.
Customer onboarding should take hours. Instead, it takes days or weeks. Manual identity verification, document review, and risk assessment create bottlenecks that frustrate customers and delay revenue.
Most of the review work is still done by hand, and the cost per file climbs with the risk tier.
Credit risk, market risk, and operational risk are managed in silos. When stress testing season arrives, a cross-functional team leaves its regular work for weeks because the evidence is scattered across systems that were never meant to reconcile.
Regulatory findings on stress testing range from fines to growth restrictions.
Compliance officers, risk analysts, and credit underwriters command premium salaries. Hiring is slow. Training takes months. Turnover disrupts institutional knowledge.
Experienced AML analysts are both scarce and expensive, and one is never enough.
Scoped deliverable
We map one high-value banking workflow together — typically AML monitoring, KYC onboarding, or credit assessment — and walk through how an agent would be configured against that workflow definition.
Scoped after discovery
Expand from one workflow to several. The CFO agent covers capital planning while the AML agent covers transaction monitoring. Scope and sequence are agreed after the workshop, against what you actually saw.
Scoped per deliverable
The full banking module, scoped across functions rather than a single workflow.
Two of the 38 agent definitions in the banking module
The Capital Steward
I help you... Run financial planning, capital optimization, and regulatory stress testing against the scenarios and parameters the module already models.
What stays with your team
Scenario construction, capital assumptions, and the final submission stay with your CFO and model-risk function. The agent assembles the pack and documents its reasoning. It does not sign.
The Compliance Guardian
I help you... Monitor transactions, prepare SAR packages, and run KYC/CDD against the BSA, OFAC, and FinCEN rule structures modelled in the module’s reference ontology.
What stays with your team
Alert disposition, the decision to file a SAR, and every escalation remain with your BSA officer. The agent gathers the evidence and drafts the narrative. A human decides and files.
Other definitions in the module include Head of Credit Risk, Head of Retail, Chief Credit Officer, Head of Treasury Services, Head of Payments, and Head of Digital.
FAOSX prices a deliverable, never consumed time.
| Area | What the agents do |
|---|---|
| AML/BSA Compliance | Transaction monitoring against BSA and OFAC rule structures, with contextual risk scoring and a written rationale attached to every alert |
| KYC Onboarding | Document verification, identity matching, and risk-tier assessment, with the approval step routed to a named human reviewer |
| Stress Testing | Scenario analysis across the parameters a CCAR/DFAST submission requires, assembled into a pack your model-risk function can review |
| Loan Origination | Credit file assembly, document extraction, and policy checks against your own underwriting criteria |
| Evidence and records | Records the inputs each agent consumed, the rule structure it matched and the rationale it wrote, so a reviewer can follow the reasoning |
| Operational Load | High-volume, repetitive compliance tasks handled end to end, with exceptions escalated to analysts rather than buried |
FAOSX makes no certification or regulatory-compliance representation — your own control framework governs any deployment.
Orchestration, governance, and a banking ontology in one platform — rather than three separate procurements that never quite meet in the middle.
The Vietnam edition of the banking module carries the local market structure, processes, products and terminology as reference ontology. It is one of 26 industry modules (2 runtime-wired today); the banking module is packaged, not yet runtime-wired.
Book a Discovery Workshop. We map one banking workflow, walk through how an agent would be configured against it, and you decide what happens next.