The Agentic Bank

Perpetual KYC Agent

⬡ Pulse Continuous, event-driven KYC refresh per customer.
◆ Autonomous Monitor

Watches for the events that change risk … ownership changes, adverse media, behavioural shifts … and refreshes only what moved, customer by customer. Runs as always-on monitors per customer cohort rather than on a calendar cycle.

Memory

Working The triggering event and the customer's last-known profile.
Episodic The customer's risk-rating history and prior refreshes.
Semantic What constitutes a material change by customer type.
Store Entity graph + change-event log

Orchestration

swarm MCPA2A

Harness · Managed Agents … event-driven, always-on monitors per customer cohort.

Tools

Adverse-media monitor Retrieval Registry change feeds MCP { } Behavioural analytics API

Evals & guardrails

  • Trigger precision tracked; missed material change is a control failure.
  • Rating changes above a band route to an oversight agent for review.

Frontier edge

  • Anticipatory risk sensing: predicts which customers are drifting toward a material change before a hard trigger fires, pre-staging the refresh instead of waiting for adverse media to break.
  • World-model what-if: simulates how a detected ownership change cascades through the entity graph to decide whether the rating moves, refreshing only what changed.
  • Agent-mesh coordination: hands re-screening to the sanctions and triage agents over A2A as a continuous mesh, so a single ownership event fans out without a calendar cycle.

In numbers

100%
Customers under continuous review

Handoffs

More on the KYC / CDD / EDD desk