Sentient Banking Agent
New product line by Evolvus Solutions, designed to automate complex banking processes using intelligent AI agents that think, act, and learn within regulated financial environments.
PROOF OF CONCEPT
Data Architecture & Flow
Source Systems
- ✓ Finacle
- ✓ Calypso
- ✓ Way4
- ✓ Proxima
- ✓ Moody’s (ECL, RWA, FTP)
- ✓ OGL Sub Modules
- ✓ Hyperion TB / Oracle GL TB
ETL & Transactional Data
- ✓ Base tables with P&L transactional data
- ✓ Balance Sheet data from source systems
- ✓ Manual adjustment files
- ✓ PSM updates
Monthly CPR & Recon
- ✓ Summarized data with New CoA and PSM mapping
- ✓ Reconciliation data: 4-segment Old & New CoA
- ✓ Contains MEBS, Total Income, NII, NFI, FTP, Yield breakup
MS BI Reports
- ✓ Total Income by Gross NII, FTP, NFI
- ✓ MEBS & AVGBS / Net BS / IIS
- ✓ Specific provisions, ECL, RWA, RoRWA
- ✓ Gross & Net OS for Islamic banking
- ✓ New COA & Product Segment Matrix
AGENT CAPABILITIES
Reconciliation & Anomaly Detection
P&L Reconciliation Agent
Automate daily P&L reconciliation and deviation analysis.
Trigger: Run daily post-batch job for reconciliation
Monitor: Reconcile T1 (CPR Daily P&L) vs. Oracle GL P&L Journal Entry lines by source at the 4-segment COA level
Anomaly Detection: Identify variances, root cause and share details via email alert
Action: Email alert and raise ticket with production support for fix
Resolution: Track fix completion by production support by SLA
Balance Sheet Reconciliation Agent
Automate daily EOD balance reconciliation against GL Trial Balance.
Trigger: Run daily post-batch job for reconciliation
Monitor: Reconcile EOD Balances vs. GL TB at the 4-segment COA level
Anomaly Detection: Identify EOD balance differences based on threshold
Root Cause: Analyze difference by account, product, and COA levels
Action: Generate email alert and ticket for discrepancies
Resolution: Track fix completion by production support by SLA
DATA QUALITY & ENRICHMENT
Intelligent Data Quality Checks
Dummy CIF Monitoring
Proactively track and alert on un-identified/Dummy CIF P&L lines.
Monitor: Scan daily T1 P&L lines for Dummy CIF or blank CIF
Track: Track count and AED value of P&L transactions tagged to Dummy/Blank CIF by source system and product
Root Cause: Trace source system transactional fields to identify why CIF was not stamped during ODS process
Action: Alert Squad and C&IB biz. finance if volume exceeds acceptable threshold
RM Data Quality Check
Ensure complete and accurate RM assignment for valid customers.
Monitor: Scan daily T1 P&L lines where valid Customer CIF is present but RM ID or name is blank
Enrichment: Look up RM ID/Name using latest customer master data based on CIF
Root Cause: Track source system/products most frequently missing RM data
Action: Generate daily report/ticket detailing volume of valid CIFs with missing RM details by segment
ADVANCED MONITORING
Product Segmentation & FTP Monitoring
Product Segmentation Agent
Monitor the completeness of PSM tagging.
Monitor: Scan daily P&L and BS lines to ensure PSM and NEW PC/NEW RC values are correctly stamped
Anomaly Detection: Flag transactions where valid NEW RC/NEW PC is missing
Root Cause: Analyze frequency of missing NEW PC by original COA to pinpoint missing FDMEE mappings
Action: Notify FDMEE/Data Platform team with prioritized list of missing mappings
FTP Data Consistency Check
Monitor and validate the FTP percolation logic.
Monitor: Daily comparison of calculated FTP figures against percolation logic documentation
Verification: Check if last available loaded FTP rate from Moodys is correctly percolated
Root Cause: Identify new scenarios contributing to issues for FTP logic refinement
Action: Alert if difference between estimated and actual FTP values is significant