Run AI on the data you can't send to AI

Payroll & benefits card funding reconciliation

Each funding file from an employer or agency matched to the money received and the card loads; short, late or duplicate funding chased before cardholders are affected.

1. Consolidate
2. Validate
3. Follow up

High riskValue highGuide

Supplier risk monitoring

Critical suppliers watched continuously for financial, cyber and news risk; alerts with evidence.

1. Monitor & alert
2. Research

Medium riskValue mediumGuide

Cardholder support (balance, card status, lost card)

Cardholders' questions answered from the system of record (balance, transactions, card status); lost or stolen cards locked on request, with anything unusual handed to a person.

1. Answer
2. Converse
3. Execute

High riskValue highGuide

Cash-back rewards offers & settlement

Which offers drive card use, by program and merchant; rewards calculated, settled with merchants and reconciled to what cardholders received.

1. Analyse history
2. Recommend & optimise
3. Consolidate

Medium riskValue mediumGuide

Technology & operations review

Back office, imaging, process flow, vendor contracts and disaster recovery reviewed; bottlenecks and risks found and the report drafted.

1. Intake & extract
2. Consolidate
3. Analyse history
4. Draft

Medium riskValue highGuide

Benefits disbursement checks

Each federal or state benefits disbursement file checked against eligibility and the prior cycle before cards are loaded; duplicates and outliers held for a person.

1. Validate
2. Monitor & alert

Medium riskValue highGuide

Card program onboarding

A new business, government or fintech card program set up: agreements, program details, KYB documents and sponsor-bank approvals collected, checked and chased until launch.

1. Intake & extract
2. Validate
3. Follow up

High riskValue highGuide

Training & certification tracking

Required training and licences tracked per person; reminders before they lapse.

1. Monitor & alert
2. Follow up

Medium riskValue mediumGuide

Access review certification

Who has access to what, compared with their role; managers asked to confirm or remove.

1. Consolidate
2. Validate
3. Follow up

Medium riskValue highGuide

Change-record reconciliation

Production changes reconciled with approved change records; unapproved changes listed.

1. Consolidate

Medium riskValue mediumGuide

Internet & electronic banking review

Online and mobile banking reviewed against policy: security, authentication, vendor support and consumer compliance, written up as findings with recommendations.

1. Intake & extract
2. Validate
3. Draft

Medium riskValue highGuide

Third-party due-diligence review

Vendor questionnaires and evidence reviewed against the bank's standard; gaps chased with the vendor.

1. Intake & extract
2. Validate
3. Follow up

Medium riskValue highGuide

Regulatory change monitoring

New rules and guidance watched; what changes for you summarised with the affected policies.

1. Monitor & alert
2. Research

Low riskValue mediumGuide

Policy Q&A with citations

Staff questions answered from internal policy and procedure, with the section cited.

1. Answer

Medium riskValue mediumGuide

KYC document review

Customer identity and business documents checked against the KYC standard; gaps chased.

1. Intake & extract
2. Validate
3. Follow up

High riskValue highGuide

Alert & case triage

Monitoring alerts enriched and prioritised; obvious false positives closed with a reason for review.

1. Analyse history
2. Route

High riskValue highGuide

SAR narrative drafting

Suspicious-activity narratives drafted from the case file for the investigator to edit and sign.

1. Consolidate
2. Draft

High riskValue mediumGuide

Dispute routing

Card and transfer disputes classified, routed and tracked against Reg E deadlines.

1. Intake & extract
2. Route
3. Follow up

High riskValue mediumGuide

Regulatory report reconciliation

Regulatory reports reconciled to the ledger and source systems before filing.

1. Consolidate
2. Validate

Medium riskValue mediumGuide

Issue closure validation

Evidence that an audit or exam issue is fixed checked before the issue is closed.

1. Validate

Low riskValue mediumGuide

Annual ACH audit

The bank's ACH evidence (policies, agreements, return rates, exposure limits, records) gathered and checked against the NACHA rules; gaps chased; the audit report drafted with each finding cited.

1. Intake & extract
2. Validate
3. Follow up
4. Draft

High riskValue highGuide

ACH originator agreement review

Each business customer's ACH origination agreement, exposure limit and SEC codes checked against the bank's policy; missing or expired agreements chased.

1. Intake & extract
2. Validate
3. Follow up

High riskValue highGuide

ACH risk assessment

Volumes, return rates, originator mix and third-party senders pulled together and the annual ACH risk assessment drafted for the board, with the risks ranked.

1. Consolidate
2. Analyse history
3. Draft

Medium riskValue highGuide

Sanctions screening review

ACH, wire and customer screening tested: lists current, matches handled, alerts cleared with a reason; findings drafted.

1. Consolidate
2. Validate
3. Draft

Medium riskValue highGuide

Regulatory exam preparation

The examiners' request list answered: documents found and checked, owners chased, open findings tracked to closure before the exam starts.

1. Intake & extract
2. Validate
3. Follow up

High riskValue highGuide

Card fraud & velocity monitoring

Card activity watched for velocity, geography and merchant patterns; likely fraud routed to an analyst with the evidence, the rest released.

1. Monitor & alert
2. Analyse history
3. Route

Medium riskValue highGuide

Sponsor-bank & program reporting

Program volumes, balances, complaints, disputes and compliance metrics rolled into the sponsor bank's monthly and quarterly reports, checked before they are sent.

1. Consolidate
2. Validate
3. Draft

Medium riskValue highGuide

Payment transaction monitoring

Transaction flows on the payment platforms watched for failures, latency and unusual patterns; clients and on-call engineers alerted.

1. Monitor & alert
2. Analyse history

Medium riskValue highGuide

Audit-readiness evidence

Evidence for ISO or customer audits gathered and checked against the standard; gaps chased.

1. Consolidate
2. Validate
3. Follow up

Medium riskValue mediumGuide

Security alert triage

Alerts from monitoring tools enriched, de-duplicated and ranked; the likely-real ones escalated with the evidence, the noise closed with a reason.

1. Intake & extract
2. Analyse history
3. Route

Medium riskValue highGuide

Security certification evidence (ISO 27001, PCI DSS)

Evidence for each control gathered from systems and owners, checked against the standard, and gaps chased before the auditor arrives.

1. Consolidate
2. Validate
3. Follow up

Medium riskValue highGuide