The Agentic Bank

Payment Investigations Agent

⬡ Trace Handles payment investigations, recalls, and SWIFT gpi tracing end-to-end.
◆ Supervised Specialist

Handles non-receipt cases: traces the payment across correspondents via gpi, responds to and raises MT199/camt.056 recalls, and answers inbound correspondent queries. An event-log outside context tracks multi-day correspondent exchanges across the case lifecycle.

Memory

Working The investigation case, the payment trail, outstanding queries.
Episodic Prior investigations on this corridor / correspondent.
Semantic SWIFT gpi tracing, recall/return rules, correspondent SLAs.
Procedural Investigation playbooks per case type (non-receipt, duplicate, recall).
Store Case store + payment-trail graph

Orchestration

pipeline MCPA2A

Harness · Managed Agents … case session; event-log outside context tracks multi-day correspondent exchanges; A2A to counterpart bank agents where available.

Tools

{ } SWIFT gpi tracker API { } Payment engine API { } Correspondent messaging (MT/camt) API Counterpart bank agent A2A Oversight payments agent A2A

Evals & guardrails

  • Recall/return actions above a value threshold are gated by an oversight agent.
  • Case-resolution time and customer-response SLA tracked per corridor.
  • Immutable audit trail of every correspondent message sent/received.

Frontier edge

  • Long-horizon autonomy: carries a tracer across days of correspondent back-and-forth, checkpointed, holding the full thread in state without re-reading it each cycle.
  • Agent-mesh negotiation: resolves directly with counterpart bank agents over A2A where enabled, settling correspondent queries as a machine-to-machine exchange.
  • Voice-native / multimodal: can speak the live status to the customer and read scanned correspondent advices natively, beyond SWIFT text.

A sample run

Trigger Customer claim: a $0.5M wire sent 4 days ago hasn't arrived.
  1. 1Trace via gpi: payment credited the intermediary, stalled at correspondent #2.
  2. 2Identify a compliance hold at the correspondent; raise an inquiry (MT199).
  3. 3Track the correspondent's response against its SLA.
Output Pinpoints the stall to a correspondent compliance hold, opens an inquiry, and returns the customer a precise status with the location and reason for the stall.

In numbers

4,800
Investigations closed / day
8 min
Median trace time

Handoffs

Across ⇢ Customer-facing divisions (CCB / Commercial) for status updates

More on the Payments Operations desk