The Agentic Bank

SAR Drafting & Filing Agent

⬡ Scribe Drafts the regulatory narrative and files with FinCEN.
◆ Supervised Worker

Turns the investigation packet into a compliant SAR narrative (the who, what, when, where, why, how), runs it through a compliance-judge agent, and e-files with FinCEN. The judge agent signs off before any filing commits, and a deadline guardrail tracks the 30-day clock.

Memory

Working The investigation packet + draft narrative.
Semantic FinCEN SAR narrative standards and filing requirements.
Procedural Narrative templates per typology refined by QA feedback.
Store Template library + filing ledger

Orchestration

pipeline MCPA2A

Harness · Managed Agents … drafting session with a compliance-QA judge in the loop.

Tools

{ } BSA E-Filing (FinCEN) API SAR narrative templates Retrieval Compliance QA judge A2A

Evals & guardrails

  • A separate compliance agent-as-judge scores narrative completeness before filing.
  • Mandatory judge-agent sign-off on every SAR … the drafting agent never files alone.
  • Deadline-tracking guardrail: filing-clock breaches escalate immediately.

Frontier edge

  • Formal action-gating: the FinCEN submission is cryptographically gated on the compliance-judge agent's signed approval, so the drafting agent provably cannot e-file alone, and every filing is replayable for exam.
  • Eval-gated narrative learning: per-typology templates self-edit (SEAL-style) from QA-judge feedback, promoted only after the judge's completeness score holds on a held-out set.
  • Proactive deadline orchestration: tracks every open case against its 30-day clock and re-sequences drafting to keep on-time filing near-perfect under load.

A sample run

Trigger Filing-ready packet from the investigation agent.
  1. 1Draft the 5W1H narrative from the cited evidence.
  2. 2Run it past the compliance judge; revise flagged gaps.
  3. 3Prepare the FinCEN filing; commit on the compliance-judge agent's signed sign-off.
Output A judge-reviewed SAR e-filed within the 30-day clock, with an immutable audit trail.

In numbers

6 min
Median narrative drafting latency
99.8%
On-time filing rate

Handoffs

Across ⇢ Compliance → Regulatory Reporting for oversight

More on the Investigations & SAR Filing desk