Industries/Community banks/KYC Agent
Business and municipal onboardingcommunity banks.
Municipal and Main Street LLC packs often disagree between resolutions and UBO forms; the agent graphs owners before your BSA officer takes the case. Analysts re-key UBO percentages from PDFs and run screening in a separate tool.
Scenarios in community banks
Recon breaks hide in wire and lockbox detail
A single transposed wire or misdated lockbox deposit can stall the CFO's sign-off when spreadsheets are the only trail. The KYC Agent parses packs, flags when resolutions name owners missing from UBO forms, and attaches screening results to the case.
Commercial onboarding packs are inconsistent
BSA officer or onboarding lead approves disposition — standard, EDD, or decline.
Business and municipal onboarding
The demo onboarding file for Halvorsen Trade Partners includes a UBO declaration listing Erik Halvorsen 40% and Ingrid Halvorsen 35%.
What the agent checks
- UBO percentage sum equals 100% (or documented unknown)
- Resolution signatories match director registry
- Hidden owner detection when cap table ⊃ UBO list
- Sanctions / PEP screening at institution threshold
- High-risk geography and industry policy gates
- Source-of-funds plausibility vs stated activity
How it works
- 1
Ingest the pack
Accept PDFs and pasted text from your trial upload or document repository. Classify document type and extract legal name, jurisdiction, and signatories.
- 2
Build the ownership graph
Parse UBO and cap-table statements into a graph. Flag when disclosed percentages do not sum to 100%, when a resolution names an owner missing from the UBO form, or when nested entities lack documentation.
- 3
Screen and score
Run sanctions, PEP, and adverse media checks at configured thresholds. Separate true matches from false positives with explainable match fields.
- 4
Apply policy
Map geography, industry, product type, and screening results to your risk rating model. Assign CDD or EDD paths and required evidence lists.
- 5
Route for decision
Present a disposition packet to onboarding or BSA — approve, request documents, or decline — with every check cited.
Questions
Does this replace our core banking system?
No. FinanceAI reads exports and APIs you authorize and returns proposed matches and journals for approval in your normal workflow.
Can we start with reconciliation only?
Yes. Many community bank pilots begin with one operating account and BAI2 ingest before expanding to KYC or close.
Does FinanceAI need live API access on day one?
No. Many pilots start with scheduled BAI2/MT940/CAMT.053 files and GL exports over SFTP. Read-only APIs come next once security review passes. The live demo uses the shared Aster Bank synthetic ledger.
What if Stellitron Intelligence is unavailable?
Every decision still runs through deterministic rules: amount matching, transposition checks, UBO percentage math, screening score thresholds, and flux materiality gates. Optional intelligence only improves extraction and narrative.