A multi-agent investigator ingests onboarding documents, sanctions hits, transaction-monitoring alerts, adverse-media findings, and CRM context, drafts a structured investigation memo with citations, and presents it to a human investigator for sign-off. McKinsey reports 50%+ KYC cost reduction with multi-agent architectures versus traditional ML; productivity gains in the 200–2,000% range have been claimed by the consultancies, with the high end heavily caveated.
Buyer · Chief Compliance Officer + Head of Financial Crime + Operations COO. CIO co-signs the platform decision.
Provenance tiered explicitly. Audited > Operator-disclosed > Vendor-published. Treat all vendor-tier figures as directional.
Multi-step reasoning across narrative document evidence; tool use across sanctions, CRM, transaction-monitoring, and document stores; explicit reasoning trace for audit; adaptive to new red-flag patterns without retraining a classifier. RPA breaks the moment a document is renamed; classical ML cannot synthesize narrative evidence into a memo.
Explainability mandates from BCB, CNBV, SFC, OCC; evidence-retention requirements; vendor-management scrutiny under interagency model-risk guidance; integration into legacy CLM, sanctions-screening (Bridger, Refinitiv, Dow Jones), TM (Actimize, Mantas), and case-management tools (Pega, Appian).
CNBV Circular Única de Bancos plus the May 2024 Banorte cloud-AI precedent. SPEI fraud patterns are an obvious extension. Cross-border NAFTA-era correspondent flows raise additional scrutiny. Banorte, Santander México, Banamex, and BBVA México are the natural anchor candidates.
Each node maps to a regulatory anchor.
- 01Document ingestion (onboarding pack, KYC refresh, alert)
- 02Entity resolution + sanctions / adverse-media / PEP cross-check
- 03Evidence retrieval: RAG over policy + CRM + transaction history
- 04Reasoning agent drafts structured investigation memo
- 05Critic-validator agent challenges weak inferences
- 06Human investigator approves, escalates, or rejects
- 07Immutable audit log: every node mapped to a CNBV / BCB / OCC control
Not A robot lawyer. A chat surface. An agent that decides.
But A drafting partner and evidence-assembly layer. The investigator still signs, on record.
Early deployments fail when the agent is pointed at clean training data and lands in a real backlog of 90-day-old, noisy, multi-jurisdiction alerts. The fix is to align the evaluation set to the alert mix the bank actually runs, not the one it wishes it ran.
A working session, not a sales call.
Two hours with a partner. Your incumbent stack, your data posture, and the regulatory surface against a sovereign reference architecture for banking.
Request a working session →A working session, not a sales call.
Two hours with a partner. We map your AI spend, data exposure, and governance posture against a sovereign reference architecture. You leave with a memo. We leave with a decision.