The Agentic Bank

Model Refresh Agent

⬡ Recalc Updates financial models the moment results and data drop.
◆ Autonomous Worker

When the company reports or the data prints, it pulls the numbers, refreshes the model, and surfaces what changed versus the prior estimates as a diff. It updates the model and hands the diff to the note-drafting agent, which carries the view forward; it does not publish.

Memory

Working The release, the prior model, the recomputed estimates + diff.
Episodic The company's reporting history and estimate accuracy.
Semantic Accounting conventions, the house model structure.
Store Model store + filings warehouse

Orchestration

pipeline MCP

Harness · Managed Agents … event-driven on data releases; sandboxed model execution.

Tools

{ } Filings + data-release feed API ›_ Model execution sandbox Code exec { } Estimates database API

Evals & guardrails

  • Extraction accuracy validated against the source filing; figures cite the line item.
  • Material estimate changes handed to the note-drafting agent, never published from the refresh itself.
  • Model-integrity check before the refresh is committed.

Frontier edge

  • Multimodal extraction: reads the filing's tables, footnotes and earnings-deck charts natively, not just the structured XBRL feed.
  • Proactive refresh: pre-stages the model the instant the release crosses the wire, so the drafting agent inherits an updated model not a deadline.
  • Causal reasoning: explains why an estimate moved (mix vs. one-off vs. guidance) in the diff, not just the delta.

In numbers

1,400
Models refreshed / season
< 4 min
Refresh latency post-release

Handoffs

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