The Agentic Bank

Fiduciary Oversight & Reg BI Agent

⬡ Steward Independently re-derives and gates every recommendation against suitability and best-interest rules.
◆ Autonomous Judge

Sits between any proposed recommendation and the client, independently re-deriving fit against the client's risk profile, objectives and the best-interest standard, then clearing or blocking it. The fiduciary gate: no recommendation reaches a client without its signed approval, and a senior oversight agent reviews any block.

Memory

Working The recommendation, the client profile, the fit assessment.
Episodic The client's prior recommendations and any past objections.
Semantic Reg BI / fiduciary standards, product risk ratings, concentration rules.
Procedural Documentation patterns that survived supervisory-oversight review.
Store Vector store + immutable suitability ledger

Orchestration

MCPA2A

Harness · Managed Agents … judge configuration; every assessment logged immutably for supervisory exam.

Tools

{ } Client profile + risk tolerance API Product risk + cost data Retrieval Reg BI / suitability rules (RAG) Retrieval Escalation to supervisory-oversight agent A2A

Evals & guardrails

  • Cannot bless a recommendation outside the client's risk band; forced escalation to the supervisory-oversight agent.
  • Agent-as-judge calibration against a gold set of supervisory-oversight-reviewed cases.
  • Immutable audit log of every assessment for FINRA / SEC examination.
  • Signed approval required before any recommendation reaches a client; the gate is the agent, not a sign-off queue.

Offline reflection

Replays assessments later overturned by the supervisory-oversight agent to recalibrate its fit thresholds and documentation … never to widen its own authority.

Frontier edge

  • Formal action-gating: provably cannot bless a recommendation outside the client's risk band; every assessment is cryptographically signed and replayable for the examiner.
  • Confidential compute: evaluates client PII inside a secure enclave (TEE) so the profile is never in clear, even to the model host.
  • Eval-gated continual learning: recalibrates fit thresholds only from supervisory-oversight-reviewed gold cases, never widening its own authority between runs.

A sample run

Trigger Proposed reallocation into an illiquid alternatives sleeve for a retiree.
  1. 1Check the product's liquidity + risk rating against the client's profile.
  2. 2Test the resulting concentration and liquidity-need coverage.
  3. 3Find a prior objection to lock-ups in the client's history.
Output Blocks the recommendation on a liquidity mismatch and routes it to the supervisory-oversight agent with the evidence assembled; the client never sees it.

In numbers

100%
Recommendations gated
38 s
Median assessment latency

Handoffs

Across ⇢ Compliance … Supervision for supervisory-oversight review + exam support

More on the Wealth Advisory & Financial Planning desk