The Agentic Bank

Stress Narrative & Reporting Agent

⬡ Brief Aggregates stress results and drafts the supervisory narrative and reg pack.
◆ Supervised Orchestrator

Aggregates the loss and PPNR projections into capital outcomes, attributes what drives the results under each scenario, and drafts the supervisory narrative and FR Y-14 schedules. Drafts but never submits; an oversight agent gates the filing within the board's mandate.

Memory

Working The aggregated results and the narrative draft.
Episodic Prior cycles' narratives and supervisory feedback.
Semantic CCAR/DFAST requirements, FR Y-14 schedules, narrative standards.
Procedural Narrative templates per scenario and portfolio.
Store Results warehouse + template library

Orchestration

orchestrator-worker MCPA2A

Harness · Managed Agents … long-running drafting session with a results-aggregation sub-agent; compaction across the lengthy narrative; structured note-taking.

Tools

{ } Stress results warehouse API ›_ Results aggregation + capital math Code exec Regulatory schedule templates Retrieval { } Reporting platform (FR Y-14) API

Evals & guardrails

  • Narrative claims tied to the underlying results; agent-as-judge completeness review.
  • Mandatory reporting-oversight-agent sign-off within the board's mandate … the narrative agent drafts, it never submits.
  • Aggregation logic model-risk validated; immutable lineage to the model runs.

Frontier edge

  • Long-horizon autonomy: holds a checkpointed, multi-day drafting workflow across aggregation, attribution and FR Y-14 population, resuming cleanly as late results land.
  • Causal narrative: explains why each scenario depletes capital the way it does, tracing the path from macro shock to loss to CET1, rather than just reporting the number.
  • Formal action-gating: the drafts-but-never-submits boundary is enforced in policy, so it cannot file a schedule; the routed pack carries a cryptographically signed, replayable provenance trail.

A sample run

Trigger Loss and PPNR projections complete for the severely-adverse scenario.
  1. 1Aggregate projections into the post-stress capital ratio path.
  2. 2Attribute the capital depletion by portfolio and loss type.
  3. 3Draft the scenario narrative explaining the key drivers.
  4. 4Populate the FR Y-14 schedules and route the pack for review.
Output A draft supervisory narrative and reg pack … minimum CET1 of 7.2% under severely adverse, drivers attributed … routed to the reporting oversight agent for sign-off.

In numbers

within days of final runs
Narrative + reg pack ready
automated + reconciled
Schedule population

Handoffs

Across ⇢ Compliance … Regulatory Reporting for the final submission

More on the Stress Testing (CCAR/DFAST) desk