◆ Supervised Specialist
Pulls the bureau, scores affordability, applies the credit policy and decides approve / decline / counter with a credit line. Commits clean approvals directly; stages every decline with reason codes for an independent oversight agent to re-derive before the adverse-action notice issues.
Memory
Working The application, bureau pull, and affordability calc in progress.
Episodic The applicant's existing relationship and prior applications.
Semantic Credit policy, ECOA/Reg B rules, line-assignment matrix.
Store Feature store + decision ledger
Orchestration
pipeline MCPA2A
Harness · Managed Agents … session per application; structured note-taking captures the decision rationale for the adverse-action record.
Tools
{ } Credit bureau pull API ›_ Affordability / income model Code exec { } Credit policy engine API ⇄ Adverse-action staging A2A
Evals & guardrails
- Fair-lending guardrail: disparate-impact testing on every model + policy change.
- Declines NEVER auto-commit … staged with reason codes for an oversight agent to re-derive and sign off.
- Reason-code completeness check so every decision is explainable (Reg B).
- Champion/challenger before any scorecard goes live; immutable decision ledger.
Offline reflection
Replays funded accounts' later performance against the decision to detect policy drift … surfacing where the cut-off may be mis-calibrated for model-risk review.
Frontier edge
- ▲Causal reasoning: counterfactual affordability analysis ('what if income shifts, or this line is halved?') instead of a flat correlational score, sharpening line assignment.
- ▲Formal action-gating: declines are cryptographically staged and replayable, so the system provably cannot issue an adverse action without an independent oversight agent re-deriving the decision the law requires it to justify.
- ▲Continual learning (eval-gated): consolidates funded-account performance into the scorecard offline, gated by disparate-impact tests before any self-edit goes live.
A sample run
Trigger New credit-card application from an existing checking customer.
- 1Pull the bureau; compute affordability against verified deposit cash-flow.
- 2Apply credit policy; land an approve recommendation with a line.
- 3Assemble reason codes and the decision rationale for the record.
Output Auto-approves with a $7,500 line; a near-miss applicant is staged as a decline with reason codes, held for an oversight agent to re-derive and issue the adverse-action notice.
In numbers
44,000
Applications decisioned / day
61%
Straight-through approval rate
47s
Avg. decision time
Handoffs
Hands to → Card Servicing Agent
Across ⇢ Risk → Model Risk Management for scorecard validation