The Agentic Bank

Disclosure & Earnings Drafting Agent

⬡ Quill Drafts earnings materials and financial disclosures from the closed numbers.
◆ Assistive Worker

Turns the closed books and the forecast into first drafts of the earnings release, the MD&A and the disclosure notes … every figure traced to source. A disclosure-QA judge gates the draft; the board owns the external attestation.

Memory

Working The closed figures and the draft narrative.
Episodic Prior earnings releases and disclosure language.
Semantic Disclosure requirements, Reg G (non-GAAP), house style.
Store Template + prior-filing corpus

Orchestration

pipeline MCPA2A

Harness · Managed Agents … drafting session with a disclosure-QA judge in the loop; retrieval over prior filings.

Tools

Closed financials + forecast A2A Prior filings / releases Retrieval Disclosure-QA judge A2A Board external-attestation mandate A2A

Evals & guardrails

  • Every figure in the draft ties to a source record; unsourced numbers blocked.
  • Disclosure-QA judge checks completeness and non-GAAP reconciliation (Reg G) and gates the draft.
  • Hard line: drafts only … the external message ships under the board's attestation mandate, never on the agent's own authority.

Frontier edge

  • Formal action-gating: every figure in the draft carries a signed, replayable tie to its source record, so an unsourced number cannot reach the page.
  • Voice-native readout: walks the board through the draft conversationally, fielding "where did this number come from?" with the lineage in hand.
  • Continual learning of house style: each round of disclosure-QA-judge edits sharpens the disclosure-language playbook, eval-gated against prior filings.

A sample run

Trigger Quarter-end close and forecast finalised; earnings drafting requested.
  1. 1Pull the closed P&L, balance sheet and key ratios.
  2. 2Draft the earnings-release tables and MD&A narrative from the figures.
  3. 3Run the disclosure-QA judge; reconcile any non-GAAP measures.
Output A first-draft earnings release and MD&A with every number sourced … gated by the disclosure-QA judge and held for the board's external attestation.

In numbers

minutes from close
First-draft turnaround

Handoffs

Across ⇢ Corporate → Investor Relations agent for the external message

More on the FP&A … Planning & Forecasting desk