The AI operations layer
for your institution.
Put a team of agents on youronboarding.
Rach.Dev runs KYC onboarding, identity verification, transaction support, AML and sanctions screening, and real-time fraud monitoring across the systems you already use — with a compliance officer in the loop on every regulated decision, and a full audit trail on every action.
What an agent team takes off your floor
Most of an institution's load isn't underwriting judgement — it's identity checks, document chasing, balance questions and alert triage. Here's where agents own the regulated busywork, mapped to how your institution actually runs.
The Front Door
Every application captured, qualified and routed — 24/7, in English or Spanish.
- Multi-channel intake (web, phone, SMS, in-branch)
- CIP data capture & document collection
- Application status, no drop-off at the hard part
Identity & KYC
Identity proofed and verified against your KYC and sanctions sources, edge cases routed.
- Document + selfie liveness via verification APIs
- OFAC / PEP / watchlist screening on every applicant
- Edge cases routed to a compliance officer
Transaction Support
Balances, transfers and payment troubleshooting — over your core banking, securely.
- Balance & transaction-history inquiries
- Transfers, payments & dispute intake
- Step-up verification before anything moves
AML & Sanctions
The full loop — screening, alert triage and SAR-ready packets, escalated the moment it trips.
- Sanctions / watchlist hits triaged with context
- Structuring & layering patterns flagged
- SAR / CTR packets staged for the BSA officer
Servicing & Coordination
Onboarding hand-offs, advisor scheduling and the follow-ups customers never get.
- Account funding, card issuance & welcome flows
- Advisor / banker scheduling and warm hand-offs
- Reminders & nudges (EN / ES)
Disputes & Recovery
Chargebacks, Reg E disputes and clean case files — the fastest relief for ops.
- Dispute intake with the right evidence captured
- Reg E / chargeback timelines tracked
- Provisional-credit packets staged for review
Back-Office & Compliance Ops
CDD refresh, audit prep and the regulatory paperwork no one wants to do.
- Periodic CDD / EDD refresh reminders & capture
- Exam & audit evidence assembled on demand
- Complaint logging & response tracking
Knowledge Layer
A role-aware assistant grounded only in your approved sources.
- Separate views for customer, banker, compliance
- Every answer cites its source
- Hard guardrails — never investment advice
Watch the team run a case
Pick a case and press play. Watch the agent team run it end to end — a compliance officer approves every regulated action.
Press Run the journey — or scroll in and watch it play automatically. Every clinical action waits for a clinician.
Seven specialists, one conductor
Each agent owns one job and hands the next a complete, structured context. Atlas routes the work, enforces the human-in-the-loop gates, and writes every action to an audit log.
Atlas is the orchestrator. It routes each case to the right specialist, carries shared customer context between them, pauses for compliance approval on every regulated action, and records a complete, timestamped audit trail.
Click Ava below — the full onboarding-to-servicing workflow plays out automatically.
Identity & KYC. Proofs identity, screens against OFAC, PEP and watchlists, and escalates any adverse hit straight to a compliance officer — never clearing a risky applicant on its own.
On any sanctions or adverse-media hit, Marcus stops and routes to a human — it never clears the case alone.
Compliance documentation. Assembles the KYC packet, drafts SAR/CTR narratives from the transaction record, and keeps every required disclosure attached — leaving the officer to decide, not assemble.
Draft only. A SAR or CTR is filed solely after a BSA officer reviews and signs.
Servicing & coordination. Stages accounts and funding, books banker and advisor hand-offs, applies restrictions after sign-off, and keeps customers on track with reminders and nudges.
Disputes & recovery. Intakes Reg E and chargeback disputes, captures the right evidence, tracks the regulatory clock, and stages provisional-credit packets — before anything is promised or paid.
The role-aware knowledge assistant. Answers customers, bankers and compliance staff from your approved sources only — every answer cited, and never personalized investment advice.
Iris informs. It never gives personalized investment advice, recommends securities, or overrides a licensed professional.
The Fraud / AML Sentinel. Always on, reading the live transaction stream across every account — flagging structuring, sanctions exposure and account takeover the moment it appears, and staging the response for the team.
Hope is advisory. It alerts and stages — a compliance officer or fraud analyst decides and acts. Every alert is logged with the signal that triggered it.
Ava captures patient intake by voice, then hands a structured summary to 6 downstream agents — triage, documentation, coordination, billing, knowledge and ICU monitoring — each acting on the shared context, with Atlas orchestrating and a clinician approving every clinical action.
Ava starts the workflow.One layer over the systems you already run
Rach.Dev sits on top of your core banking platform and existing tools — orchestrating agents, enforcing governance, and keeping a compliance officer in the loop. No rip-and-replace.
Every regulated action — account opening, restrictions, SAR/CTR filing, provisional credit — pauses for a compliance officer or analyst to approve. Agents draft and stage; people decide.
BSA/AML and SEC/FINRA-aligned controls, least-privilege access, and a complete, timestamped audit trail on every action and every data touch.
Atlas routes each case to the right specialist, carries shared context between agents, and coordinates hand-offs end to end.
Bidirectional connectors to your core banking platform, account-data aggregator, KYC/sanctions APIs and CRM over the standards your systems already speak.
A knowledge layer that knows its limits
Iris answers customers, bankers and compliance staff from your approved sources only. Every answer is cited — and an investment or suitability question is always handed to a licensed advisor, never answered.
Try a question
Hi, I'm Iris. Ask me about your account, a transaction or a dispute — I'll always cite my source.
A knowledge layer that knows its limits — questions and answers
- Why was my account application put on hold?
- Your application is in a standard identity-verification review — a routine step for every new account under our Customer Identification Program. A compliance specialist is reviewing the documents you uploaded and will follow up within one business day. You can check status anytime by replying here or signing in to online banking.
- ¿Por qué se congeló mi tarjeta y cómo recupero mi dinero?
- Congelamos su tarjeta temporalmente porque detectamos dos cargos inusuales en otro país en pocos minutos, lo que suele indicar fraude. Su responsabilidad por cargos no autorizados reportados a tiempo es limitada según la Regulación E. Ya abrimos una disputa y un analista revisará un crédito provisional; le enviaremos una tarjeta de reemplazo. Si no reconoce los cargos, confírmelo aquí.
- Should I move my savings into this fund — is it a good investment for me?
- That's a personalized investment question, so I won't advise on it myself — that requires a licensed professional. I've routed your question to a licensed financial advisor who can review your goals and suitability, and I can book a call. For general education, I can share our approved, non-advice materials with sources. This is information, not a recommendation.
Governance, not just guardrails
The controls that let a regulated institution actually deploy agents — enforced in the system, not promised on a slide.
Live audit log
A sample of what every action looks like on the record.
What changes when agents own the busywork
Directional outcomes our pilots target — validated on your own data, never assumed.
The problem, in numbers
- The IMF and FATF have long estimated that the amount of money laundered globally each year is on the order of 2–5% of global GDP — a scale that makes effective AML monitoring a strategic priority. — FATF / IMF, money-laundering scale estimate
- US consumers lost roughly $43 billion to identity fraud in 2023, underscoring the stakes for stronger onboarding and fraud controls. — Javelin Strategy & Research, 2024 Identity Fraud Study
- About 70% of financial institutions reported losing clients in the past year due to slow, inefficient onboarding and KYC processes — friction that automation directly targets. — Fenergo, KYC & onboarding trends survey (reported 2025)
Figures above are external benchmarks and pilot targets, not guarantees — we validate every number on your own data before you rely on it. Monitoring agents are advisory: they alert and stage, a compliance officer acts.
Start with one workflow. Prove it. Then scale.
We stand up a single workflow on your existing core banking stack, show the audit trail and the outcomes, and expand only once your team trusts it.
Pick the highest-pain workflow — KYC onboarding, transaction support or AML triage — and we map it to your systems.
Agents run on your core banking stack with a compliance officer in the loop and a full audit trail, in weeks not quarters.
Review the outcomes on your own data, then roll the agent team out workflow by workflow.