Secure, compliant AI agents for retail banking, lending, fraud detection, and wealth management. Engineered to your core systems, not bolted on top of them.
Chatbots answer questions. They cannot resolve disputes, flag SARs, update credit records, or complete KYC workflows. Custom banking AI agents close that gap.
Handle linear scenarios but fail during complex multi-step exceptions.
Reason through exceptions using live data and escalation logic.
Horizontal tools lacking core system access or compliance knowledge.
Built natively with your APIs, data models, and regulations.
Most tools only surface info without completing actual transactions.
Execute controlled, immutable actions via scoped write access permissions.
Generic bots retrofit compliance after architecture is already finalized.
Compliance is integrated into data flows and audits from discovery.
The compliance requirements, system environments, and workflow complexity differ significantly across banking verticals. We scope agents to the vertical, not to a generic financial services template.
High-volume customer-facing workflows, onboarding, disputes, account management, and fraud, at consumer scale.
Complex multi-counterparty workflows, covenant monitoring, cash management automation, and credit facility tracking.
End-to-end loan origination agents covering application intake, document collection, underwriting, and decisioning.
Our zero-trust architecture ensures data privacy through mandatory tokenization, private infrastructure, and immutable logging.
Request a PoC ProposalSensitive customer data is masked before model processing and only de-tokenized at the final authorized output layer.
Agents operate within your private VPC or on-premise cluster to ensure no data ever transits public endpoints.
Write access is strictly scoped to specific functions with built-in validation, retry, and rollback safety protocols.
Every agent action and reasoning step is captured in WORM-compliant logs for complete regulatory and internal transparency.
We enable controlled write access so agents complete full workflows instead of just surfacing lookup information.
Request a PoC ProposalWe bridge AI agents to legacy systems, translating modern requests into existing SOAP/XML formats without overhauls.
Money movement triggers step-up authentication, separating read access from execution at the architectural level for safety.
Agents monitor transactions to proactively contact customers and execute blocks without requiring call center intervention.
Systems run within your VPC with immutable logging to meet GLBA, SOC2, and strict regulatory requirements.
We run stakeholder interviews, workflow audits, and system inventories at the same time. We leave with ranked automation targets, defined KPIs, and a clear map of what data each agent needs to read and write.
We audit data sources, map PII flows, document GLBA and BSA requirements, and build ingestion pipelines. Issues caught here take hours to resolve. The same issues caught during integration take weeks.
We design the architecture, select the right LLMs, and build RAG pipelines on your banking knowledge bases. Before any agent touches a live system, we test it against compliance edge cases and adversarial inputs.
We build and validate core banking and fraud API integrations in a controlled pilot. Production rollout is gated on pilot performance data, not a go-live date picked in advance.
Dashboards track decision accuracy, workflow throughput, and drift. When performance degrades, we catch it before it becomes a compliance issue. Monthly evals are part of the engagement.
Every agent is built for your workflows, your core system, and your compliance obligations. We start with your situation, not a template.
GLBA, BSA/AML, and OCC guidance are integrated into the architecture so compliance reviews behavior, not just existence.
Deployments across KYC, AML, and credit underwriting. Our engineers understand SAR requirements and regulatory edge cases.
Book a 45-minute call with a Folio3 banking AI architect. We'll review your workflow and compliance requirements and tell you exactly what's buildable, what it costs, and how fast you can ship.
Book a Discovery Call Now!
Portfolio monitoring, advisory brief generation, and client communication agents built to suitability and fiduciary standards.
Claims intake, eligibility verification, and policy servicing agents integrated with core insurance and banking platforms.
Agents connect across third-party data providers, payment rails, and ledger systems. Scoped to your stack, not a reference architecture.
Every engagement produces a production-ready agent: integration complete, compliance signed off, monitoring live. The PoC is a gate, not the deliverable.
Fill the form below or Contact us at +1 408 365-4638 / email us via contact@folio3.ai
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+1 408 365-4638
contact@folio3.ai
6701 Koll Center Parkway, #250 Pleasanton, CA 94566
