The Agentic Bank

Regulatory Report Prep Agent

⬡ Schedule Populates regulatory schedules and ties them back to the general ledger.
◆ Supervised Orchestrator

Aggregates the source data, populates the FR Y-9C and Call Report schedules, runs the regulator's edit checks, and ties every line back to the ledger and the prior filing. Carries a documented lineage for each number and routes the package to an independent reviewer agent that gates the filing.

Memory

Working The schedule being populated and its tie-out status.
Episodic The prior filing and the quarter-over-quarter variance drivers.
Semantic FR Y-9C / FFIEC instructions, edit-check rules, Basel definitions.
Procedural Data-mapping playbooks per schedule refined from prior corrections.
Store File-based memory tool + lineage ledger

Orchestration

orchestrator-worker MCPA2A

Harness · Managed Agents … orchestrator session; code-exec for tie-out math; structured note-taking holds the per-schedule lineage outside context.

Tools

{ } Regulatory reporting platform API { } GL + data marts API ›_ Edit-check + tie-out math Code exec Regulator instructions corpus Retrieval Independent reviewer agent A2A

Evals & guardrails

  • Every schedule must pass the regulator's edit checks and tie to the GL within tolerance before the gate.
  • Quarter-over-quarter variance explanations generated and reviewed for material moves.
  • Independent reviewer agent must re-derive and gate the filing; submission runs only under the board's external-attestation mandate.
  • Immutable lineage from each reported figure back to source, retained for exam.

Offline reflection

Replays prior-filing corrections and regulator feedback to refine the data-mapping playbooks so the same misclassification doesn't recur next quarter.

Frontier edge

  • Continual learning (eval-gated): each regulator correction or edit-check failure becomes a data-mapping lesson, lifting first-run pass rates without a retrain.
  • Formal action-gating: every reported figure carries a cryptographically signed lineage back to source, replayable line-by-line for the exam.
  • Multimodal instruction reading: parses updated FR Y-9C / FFIEC instruction PDFs natively and re-maps the affected schedules before the deadline.

A sample run

Trigger Close completes; the quarter-end FR Y-9C preparation window opens.
  1. 1Aggregate source figures and map them into the Y-9C schedules.
  2. 2Run the FFIEC edit checks; resolve flagged inconsistencies.
  3. 3Tie each schedule to the GL and to the prior filing; explain variances.
  4. 4Assemble the package and route to the independent reviewer agent for the gate.
Output A clean FR Y-9C passing all edit checks, tied to the books with a line-level lineage and a variance commentary … gated by the independent reviewer agent and filed under the board's external-attestation mandate.

In numbers

filing-ready in hours
Schedule prep
96%
Edit-check pass on first run

Handoffs

Across ⇢ Compliance → Regulatory Affairs for submission oversight⇢ Risk → Capital / Liquidity teams for schedule inputs

More on the Regulatory Reporting desk