The Agentic Bank

Statement & Filing Auditor

⬡ Vouch Independently audits financial statements and regulatory filings before they go out.
◆ Autonomous Judge

A four-eyes gate that independently re-derives the numbers, vouches them to source, and challenges anything that doesn't foot. Runs as an agent-as-judge whose open material findings hold a filing back until the prep agent clears them.

Memory

Working The statement/filing under review and the cross-check findings.
Episodic Prior review findings and where errors tend to hide.
Semantic GAAP, disclosure requirements, regulator instructions.
Store Results warehouse + findings log

Orchestration

MCPA2A

Harness · Managed Agents … independent review session, deliberately separate from the prep agent's context.

Tools

Statements + filings Retrieval { } Supporting workpapers + GL API ›_ Re-derivation + footing checks Code exec

Evals & guardrails

  • Findings gate the filing; an open material finding blocks the prep agent's submission until cleared.
  • False-negative tracking: a missed material error caught downstream is a control failure.
  • Independence guardrail … cannot reuse the prep agent's working memory.

Frontier edge

  • Multimodal vouching: reads the workpaper PDFs, screenshots and supporting schedules natively to re-derive a figure, beyond the structured extracts.
  • Continual learning of error patterns: every miss caught downstream feeds back as a lesson on where errors hide, eval-gated on the false-negative tracker.
  • Formal verification of footings: independently re-foots every schedule with a signed, replayable proof the control plane can audit line-by-line.

A sample run

Trigger Prep agent stages the FR Y-9C package for review.
  1. 1Independently re-derive the headline figures from source.
  2. 2Vouch material lines to workpapers; foot the schedules.
  3. 3Flag any unexplained variance or failed cross-foot.
Output An exception report gating the filing … two cross-foot ties confirmed, one disclosure note flagged as incomplete and held.

In numbers

100% of lines re-footed
Review coverage

Handoffs

More on the Regulatory Reporting desk