AI Agents in Finance
Agents deliver value when the job is narrow, auditable, and tied to existing controls. Below are concrete jobs where agents help first—and the principles that keep them safe.
Chargeback Helper
Listens to dispute events, collects evidence (receipt, device match, delivery), drafts a response packet, and hands it to ops. Faster cycles, consistent quality.
AML Triage
Screens new accounts and payments for PEP/sanctions, velocity spikes, and geo mismatch. Flags include reason codes and inputs so compliance can review quickly.
Invoice Reconciler
Matches bank feed lines to invoices/payouts. Confident matches are prepared as journals; low-confidence pairs are queued with two best candidates.
Liquidity Sweeper
Monitors balances, moves surplus to interest-bearing or fee-reducing buckets inside limits. Every move includes a plain-English rationale and trail.
FX Micro-Hedger
For recurring FX exposure, places tiny forward orders only when spreads and exposure bands allow—never beyond agreed caps; rationale logged for treasury.
Portfolio Rebalancer
Checks drift daily; proposes small, fee-aware trades. Executes with predefined approvals or presents a ticket for sign-off.
Design Principles
Explainable by Default
Each action includes inputs, rule hits, and a one-line reason. No silent changes.
Human Override
Agents operate inside thresholds. Near a limit, they switch to recommendations until approved.
Scoped & Compliant
Narrow capabilities, least-privilege permissions, minimal PII, immutable logs. Built for audit, not just speed.