FCC Engine room · 5 desks · 10 agents

Financial Crime & Fraud

The bank's immune system, running as a fleet of agents.

Fraud, anti-money-laundering, KYC, sanctions and transaction monitoring, run as a coordinated agent fleet that triages alerts, screens payments, investigates cases, and files regulatory reports.

How it runs

An always-on swarm triages every alert in seconds, clears the noise with documented rationale, assembles investigation packets, drafts regulatory filings, and routes the ambiguous to senior and oversight agents that adjudicate the judgement calls … the control plane audits the whole flow.

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Transaction Monitoring

2 agents

Surveils every transaction against rules + ML models, generates and triages alerts for potential money laundering.

Workflow · Alert generation → triage → enrichment → disposition (close / escalate) → case creation. The triage agent runs the full loop continuously.

Alert Triage Agent

Disposition of transaction-monitoring alerts at scale.

Reads each alert, pulls the customer and counterparty context, applies the typology playbook, and dispositions noise alerts with a written rationale built for regulatory review. Escalates the ambiguous remainder to the investigation agent with the enrichment already attached.

Scenario Tuning Agent

Tunes monitoring thresholds and scenarios to cut alert noise.

Watches alert outcomes and proposes threshold and scenario changes, each backtested against historical data. Every change ships with an audit trail and a model-governance memo, and gates on the model-risk agent before go-live.

Sanctions Screening

2 agents

Screens customers, counterparties and payments against OFAC/UN/EU lists and PEP databases; dispositions name-match hits.

Workflow · Real-time payment + customer screening → fuzzy name match → hit review → true-match block / false-positive release. False-positive rates of 98%+ are normal.

Sanctions Disposition Agent

Clears or blocks sanctions name-match hits in real time.

Sits on the global payment rails and resolves fuzzy name matches against the sanctioned entity on date of birth, geography, and known aliases, releasing legitimate matches while holding genuine targets. The autonomy threshold is deliberately high, and true-match candidates gate on the oversight agent.

List Intelligence Agent

Keeps sanctions, PEP and watchlist data current and normalized.

Ingests every list update the moment it drops, reconciles aliases and weak transliterations, and pushes a clean, versioned watchlist downstream to the screening agents.

KYC / CDD / EDD

2 agents

Verifies who customers are at onboarding and keeps that picture current … identity, beneficial ownership, risk rating, periodic refresh.

Workflow · CIP identity verification → document collection → beneficial-ownership unwrap → risk rating → periodic refresh.

Onboarding Diligence Agent

Runs customer due diligence end-to-end at onboarding.

Collects and reads the documents, verifies identity, unwraps the ownership structure until it reaches the beneficial owners, screens every party, and assembles a risk-rated CDD file in a single continuous run, flagging the structures that are deliberately opaque.

Perpetual KYC Agent

Continuous, event-driven KYC refresh per customer.

Watches for the events that change risk … ownership changes, adverse media, behavioural shifts … and refreshes only what moved, customer by customer. Runs as always-on monitors per customer cohort rather than on a calendar cycle.

Fraud Detection

2 agents

Real-time defence against card, payment, scam and account-takeover fraud, plus dispute and chargeback handling.

Workflow · Real-time scoring → step-up / block → customer contact → dispute intake → chargeback adjudication → recovery.

Real-Time Fraud Agent

Scores and intervenes on transactions in-flight.

Sits on the authorization path and decides, in milliseconds, whether to approve, step-up, or block, balancing fraud loss against false declines of legitimate spend. Emits a plain-language rationale for every block, retained for audit.

Dispute & Chargeback Agent

Handles dispute intake through chargeback adjudication.

Takes the customer's dispute, gathers the evidence, applies the network rules (Visa/Mastercard reason codes), and files or defends the chargeback. Emits a plain-language resolution back to the customer.

Investigations & SAR Filing

2 agents

Deep-dive investigations on escalated cases and the drafting + filing of Suspicious Activity Reports and CTRs with FinCEN.

Workflow · Case intake → investigation → narrative drafting → QA → FinCEN e-filing → case disposition.

Investigation Agent

Builds the full investigation packet on escalated cases.

Pulls every thread on an escalated case … transaction flows, the entity network, adverse media, prior alerts … and assembles a coherent narrative of what happened and why it's suspicious. Spawns parallel sub-agents that fan out across every thread and merge into one link-analysis.

SAR Drafting & Filing Agent

Drafts the regulatory narrative and files with FinCEN.

Turns the investigation packet into a compliant SAR narrative (the who, what, when, where, why, how), runs it through a compliance-judge agent, and e-files with FinCEN. The judge agent signs off before any filing commits, and a deadline guardrail tracks the 30-day clock.