Sec 01 · OverviewManaged AI Agent Operations · Banking
Your banking AI agents,
run like production systems.
Nestack Agent Care operates the AI agents behind your customer service, lending and trade, financial-crime controls, and compliance. We watch every run, from loan applications to fraud-alert triage, so a wrongly cleared alert or a mishandled dispute is caught before it becomes regulatory or financial exposure.
- Failure modes catalogued
- 183
- Agent playbooks
- 22
- Enterprise critical SLA
- 30 min
- Continuous agent operations
- 24/7
PlaybooksSection 02
Pick your agent
Choose from 22 banking agent playbooks to see what each agent does, where it can fail, and how we keep it reliable, compliant, secure, and production-ready.
Answer balance, transaction, standing-order and card questions on your channels once the session is authenticated — complaints, fraud and vulnerability route to named staff, and the agent never moves money.
Open Customer-service & account-inquiry agents7 failure modes
Establish what an application is missing, pull income and obligations from the documents cited to source, and hand an underwriter a complete file — the credit decision and its reasons stay with a person.
Open Loan-application assistants7 failure modes
Gather the device, session, payee and pattern evidence behind a fraud alert, group related alerts into one case and order the queue — blocking, freezing and reporting stay with named fraud staff.
Open Fraud-alert triage agents7 failure modes
Classify a disputed transaction, separate a scheme chargeback from a statutory error claim, assemble the evidence each route needs and track the clocks — the decision and the credit stay with a dispute analyst.
Open Payment-dispute agents7 failure modes
Assemble what is known about an account in arrears, work out which forbearance options fit the circumstances and hand a collections officer a case — the arrangement and the contact stay with a person.
Open Collections & hardship copilots7 failure modes
Assemble the research behind a holding, a fund or a market question, prepare the client's position and draft the meeting material — the recommendation and the suitability assessment stay with a licensed adviser.
Open Wealth-advisory research copilots7 failure modes
Draft the credit memo — background, facility as proposed, spreads traced to their source statement, covenant history and the risks it can evidence — while a credit officer owns the rating and the case.
Open Credit-memo drafting agents7 failure modes
Check identity evidence, trace the ownership chain, assemble source-of-funds and rating inputs at onboarding and at refresh — with the rating, acceptance and any suspicion left to the officers who own them.
Open KYC onboarding & periodic-review agents7 failure modes
Assemble what a screening hit turns on — the matched list entry, the message as sent, the customer record and the ownership position — with clearing, holding and release left to a sanctions analyst.
Open Sanctions-alert adjudication agents7 failure modes
Examine a presentation against the credit's terms and the rules it names, cite each discrepancy to the document and field it came from — with compliance, refusal and waiver left to a named checker.
Open Trade-finance document-checking agents7 failure modes
Assemble a return with each figure traced to source, reconcile it to the last submission and to the ledger, then monitor thresholds across the book — filing and attestation stay with the reporting officer.
Open Regulatory-reporting & compliance-monitoring agents7 failure modes
Extract the clauses that matter from a negotiated agreement, compare each against your playbook and its fallbacks, and register the obligations — with the position, and any deviation, left to a named lawyer.
Open Contract-review & legal-workflow agents7 failure modes
Assemble the case behind an escalation, draft the Part V narrative and run the filing clock from a date a BSA officer entered — who alone determines that suspicion exists.
Open Suspicious-activity reporting agents7 failure modes
Track each regime's clock from the event that actually starts it, assemble the notification pack from one incident record, and hold it for the officer who determines and notifies.
Open Operational-resilience & incident-reporting agents7 failure modes
Reconcile every register field back to the system it came from, run the recording and submission clocks all year, and leave the certification with the representative who knows the data.
Open HMDA & lending-data-integrity agents7 failure modes
Assemble the support behind each allowance segment and qualitative factor, and keep the loan-review challenge record; management sets the estimate under the April 2023 policy statement, and the CEO and CFO certify it.
Open Allowance-governance & loan-review agents7 failure modes
Document the scenarios and thresholds the bank runs, assemble the above- and below-the-line testing behind a proposed change, and hold it for the named owner who approves what the bank stops looking at.
Open Transaction-monitoring tuning agents7 failure modes
No GENIUS Act obligation binds yet; the effective-date backstop is 18 January 2027. Build the reserve record and the examination pack now, because the CEO and CFO certify against whatever record exists then.
Open Stablecoin reserve-attestation agents7 failure modes
Assemble the programme evidence a board approves and a named independent tester opines on, reconcile the risk assessment to the controls, and track each order deliverable against the day count it carries.
Open AML programme-governance & testing agents7 failure modes
Maintain the DORA register of information across your EU/EEA entities, reconcile it against the contract, vendor and spend records as at the reference date, and hold the pack for the person who submits.
Open ICT third-party register & oversight agents7 failure modes
Reconcile ownership right and capacity coding across core, trust and partner ledgers, name the accounts whose coverage cannot be calculated from current records, and assemble what the officer's inquiry examines.
Open Deposit-insurance recordkeeping agents7 failure modes
Regulation X clocks are gated, not absolute. Track the acknowledgement, early-intervention and appeal windows and assemble the response pack; a named servicer employee decides, and a borrower can sue on the dates.
Open Mortgage-servicing compliance agents7 failure modes
Regulatory map
The rules your banking agents answer to
Every failure mode in the Banking playbook is mapped to the rule it could breach. These are the 16 regulatory areas we watch, each with its citation.
- 01Fair lending & adverse action (US)Regulation B 12 CFR 1002.4(a) · ECOA 15 U.S.C. 1691(d)(2) · Fair Housing Act 42 U.S.C. 3605(a)7 failure modes
- 02Payment disputes & consumer rights (US)EFTA 15 U.S.C. 1693f · FCBA 15 U.S.C. 1666 · FCRA 15 U.S.C. 1681s-29 failure modes
- 03UK payments, APP scams & fraud triagePSRs 2017 regs 71, 75(3), 76(2) · PSR APP scams reimbursement requirement · FCA PRIN 2A.99 failure modes
- 04BSA/AML: CIP, CDD & SAR filing (US)31 CFR 1020.220 · 31 CFR 1010.230 · 12 CFR 21.11(d)9 failure modes
- 05Sanctions & OFAC screening31 CFR 501.604(b) · OFAC 50 Percent Rule guidance (13 August 2014) · OFAC Framework for Compliance Commitments (2019)8 failure modes
- 06Privacy, information security & authenticationGLBA 15 U.S.C. 6801(b) and 6802(a) · APRA CPS 234 · FinCEN Alert FIN-2024-Alert0048 failure modes
Sec 03 · Procedures
Onboard → Observe → Respond → Improve → Verify
We instrument your agents, watch them around the clock, turn incidents into fixes, verify that improvements hold, and deliver a monthly audit-ready scorecard your board or regulator can read.
When an agent misbehaves, nobody improvises — the crew flies the procedure.
Agent incident response
Applies: SEV-1 / SEV-2 / SEV-3
DetectEP-1
An alert, failed evaluation, guardrail event or human reviewer identifies a risky session. The case is acknowledged according to the applicable response target.
ContainEP-2Memory item
For a SEV-1 incident, pause the affected workflow, restrict the risky tool or move the agent into an agreed safe mode before full diagnosis. Containment authority is established during onboarding.
DiagnoseEP-3
Correlate the goal, retrieval, plan, workflow, task, tool, LLM, evaluation and guardrail records; identify the affected slice, classify the failure mode, and locate the earliest critical decision that caused the issue.
RemediateEP-4
Apply the relevant runbook and correct the affected prompt, workflow, tool configuration, data source or guardrail. Link the change to the originating evidence and verify the affected slice through targeted output, step or trajectory evaluations before restoring autonomy.
NotifyEP-5
Notify the client according to the agreed communication target. SEV-1 updates include affected agents, impacted sessions, containment status, probable source and next action.
LearnEP-6
Complete the post-incident review within five business days. Close the incident only after the failure mode, corrective action and verification evidence are recorded, and the relevant evaluation case, guardrail or runbook has been updated.
Nestack Agent Care contains the immediate risk, identifies the failed operational layer, verifies the corrective action, and converts the incident into reusable evidence for future monitoring and evaluation.
AI Agent Care pricing, made simple
Per agent. Per month. Pay only for the AI agents actively running in production.
Agent Care
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