Customer onboarding with KYC/AML: from the receipt of the account opening request to document and biometric verification, beneficial owner identification, watchlist screening, AML risk profile assessment.
Banking & Financial Services
An AI agent squad for the banking and financial services industry.
Polyant is the framework for building AI agent squads inside the flows of a regulated European bank: structured customer onboarding with KYC/AML, pre-screening MiFID II before sending proposals, morning brief on corporate deals, automatic DORA reporting on operational incidents, central bank audit inspectable with a standard SQL client.
Polyant puts an AI agent squad to work on the operational flows of the regulated European bank:
- the opening of the customer relationship with coordinated KYC/AML (documents, beneficial owner verification, real-time watchlist screening), the MiFID II pre-check on the investment proposal before sending to the customer
- the automatic DORA reporting of operational incidents with a 4-hour / 72-hour / 1-month timer to the regulator, the morning brief on corporate deals above threshold
- the runtime audit registry queryable via standard SQL for central bank inspection, under the same configuration and the same audit registry
03 BANKING WORKFLOWS
Four typical contexts in a regulated bank.
The areas where the agent squad steps in to support the team.
Corporate banking pipeline: morning brief on deals above threshold, identification of deals at risk for prolonged silence, MiFID II check on investment proposals.
DORA regulatory reporting: automatic detection of operational incidents inside the DORA perimeter, classification under the delegated regulation, 4h/72h/1M timer activation, preparation of report templates for the national central bank.
Audit inspectable via SQL: every automatic runtime decision recorded in dedicated PostgreSQL tables, queryable by the compliance officer for central bank audits.
The agent squad is composed of vertical patterns calibrated to the regulated vocabulary of the industry and horizontal patterns (audit, compliance, escalation) that work under the same configuration and the same registry.
04 BANKING ONBOARDING SQUAD
Five coordinated agents for opening the banking relationship.
Opening a corporate banking relationship is not a single step. It is an end-to-end flow where each agent does its part and passes the work to the next, under the same configuration and the same audit registry.
01 AML
AML Screening Real-Time
Screening of the customer and initial transactions against commercial watchlists (World-Check, Dow Jones, ComplyAdvantage) and public ones (EU, UN, OFAC). Entry point of the Banking Onboarding compliance flow.
See the agent Customer Acme Capital S.p.A.
World-Check no match
Dow Jones no match
ComplyAdvantage no match
EU · UN · OFAC no match
Screening complete · audit recorded
02 AML
AML Screening Real-Time
Screening of customer and initial transactions against commercial watchlists (World-Check, Dow Jones, ComplyAdvantage) and public ones (EU, UN, OFAC).
See the agent Customer Acme Capital S.p.A.
World-Check no match
Dow Jones no match
ComplyAdvantage no match
EU · UN · OFAC no match
Screening complete · audit recorded
03 AUDIT
Audit Recorder
Immutable registry of all runtime decisions for central bank audits, with query via standard SQL.
See the agent fnol.receive 09:14:22 ALLOW
triage.classify 09:14:25 ALLOW
idd.check 09:14:31 WARN
liquidation.propose 09:15:02 ALLOW
SELECT * FROM audit_log WHERE claim_id = '2024-0847'
04 COMPLIANCE
Compliance Scan
Pre-screening of contractual documentation and initial communications with the customer before sending.
See the agent Proposal no. 2024-081 In review
Missing disclosure
MiFID II art. · regulated financial instrument
Alt. 1 …in compliance with MiFID II and applicable supervisory provisions.
Alt. 2 …with full disclosure attached to the offer document.
Audit trace recorded · 14:31
05 AUDIT
Audit Recorder
Records every step of the squad in the audit registry: rule triggered, data read, decision taken. The compliance officer queries the registry with a standard SQL client for central bank inspection.
See the agent fnol.receive 09:14:22 ALLOW
triage.classify 09:14:25 ALLOW
idd.check 09:14:31 WARN
liquidation.propose 09:15:02 ALLOW
SELECT * FROM audit_log WHERE claim_id = '2024-0847'
Need other agents for the bank? We build them together.
The five agents of the Banking Onboarding squad and the banking catalog are an example. Every bank has different core banking systems, different internal rules, different operational rhythms. The agents that truly serve get built inside the project, based on the work the bank's team does every day.
06 REGULATORY MAPPING
Where the agents meet the regulations.
Banking regulation is wide. Polyant does not promise full compliance: it states what the product does day to day to support the requirements the customer's team has to meet.
DORA
DORA, Digital Operational Resilience Act
Automatic detection of operational incidents, classification under the delegated regulation on DORA incidents, 4h/72h/1M timer, report templates for the national central bank. Agent: DORA Incident Reporter.
AI Act
AI Act: high-risk credit scoring systems
Credit scoring systems for consumer credit are high-risk: explainability (feature importance, counterfactual, reason codes), human oversight, EU registration, FRIA workflow. Agents: Explainable Credit Scoring, AI Act High-Risk Validator.
PSD2/PSD3
PSD2/PSD3, Open Banking and SCA Dynamic Linking
SCA Dynamic Linking for payments, Open Banking with data sharing to authorised TPPs, audit trail. Agents: KYC/AML (for SCA), Open Banking PSD2/PSD3 Coordinator.
MiFID II
MiFID II, suitability and target market
Suitability check on investment proposals against the customer profile, target market, concentration constraints. Agents: MiFID II Disclosure Gate, Wealth Copilot.
AML
Anti-money laundering and FIU reporting
Identity and beneficial owner verification, watchlist screening, continuous transaction monitoring, FIU reporting where required. Agents: KYC/AML, AML Screening Real-Time, Sanctions Watchlist Multi-Layer.
GDPR
GDPR and automated decisions
Every automatic decision on a natural person with significant effects is tracked in an audit registry inspectable via SQL. Agents: Audit Recorder, Policy Mapper.
Open transparency for the shared responsibility and AGPL detail →
Four questions from banking heads.
Exelab's information security management system is ISO 27001 certified, with coverage on the products built, including Polyant. On the technical perimeter of the product, the runtime audit registry records every system decision in PostgreSQL tables inspectable via standard SQL on the bank's database; the built-in controls (governance, PII detection, rate limit, tool audit) are part of the runtime in the managed profiles; for AI Act high-risk decisions, the agent produces structured reason codes; for DORA the 4h/72h/1M timer is activated automatically on the incident with classification under the delegated regulation. Exelab operates as an EU-headquartered vendor with legal seat in Rome, with active vendor qualification on banking procurement and institutional partnerships (HubSpot Elite Solutions Partner, Twilio Gold Partner). The full product trust picture lives at /transparency.
Core banking systems are very heterogeneous (Temenos T24, national consortium systems like Cabel and CSE, proprietary bank systems). The integration is delivered during the project by the Exelab team. Feasibility is assessed on the specific system during discovery.
The typical pattern is 12-18 weeks. The main factor is integration with core banking and with KYC providers (Onfido, Jumio, Veriff) plus commercial watchlists (World-Check, Dow Jones). The effective duration is defined in discovery on the real case.
Operational management of the agents stays with the bank's team, via graphical admin panel or directly in TypeScript. For those who want to delegate operational management too, Exelab provides managed in three profiles Core, Advanced, and Ultra. The detail is on /managed.
From a 30-minute conversation to the squad in production.
A 30-45 minute conversation to understand how Polyant for banking applies to the bank's case and how long it takes to bring the Banking Onboarding squad into production.