Agent Desk

CHEQUE
All agent desksID: CHEQUE · STAGE 2: SHIP
Clearing Operations·Head, Clearing·6 Tools·6 Connectors

Cheque Bounce Handler

Real-time CTS bounce detection, return reason classification, LMS update with penal interest, NACH re-presentation with cooling-off logic, NI Act Section 138 notice triggers.

Operational ROI:4hr → 18min bounce processing
Live · Human Sign-offStage: SHIP
Architecture deep-diveTrain agent
Daily VolumeToday
326
returns processed handled
Audit Concurrence30 days
96.8%96.8%
Human-AI alignment rate
Capacity Returned7 days
94h
Staff hours freed this week
Sign-off QueueReal-time
0items
Queue clean · Zero SLA breach

How it works: Autonomous Execution Pipeline

6 nodes · 1 core banking connectors · 1 AI checkpoints
Deterministic DAG
Yes3+ bouncesCTS return fileCTSClassify returnAI AGENTLMS updateLMSRe-present?NACH queueLegal notice
TriggerSystem callAI Model stepDecision gateHuman sign-offResolvedEscalation
Autonomous DAG Pipeline
Audited Step-by-Step Pipeline Sequence
01
CTS return fileClassify return
AI Agent
02
Classify returnLMS update
LMS
03
LMS updateRe-present?
04
Re-present?NACH queue
Yes
05
Re-present?Legal notice
3+ bounces

Tools & Deterministic Capabilities

Every tool is sandbox-isolated and bound by audit policies
6 Registered Tools
Tool FunctionCapability & Operational MandateTarget ConnectorExecution Policy
parse_cts_return()Parses CTS return file to extract cheque details and return reason codesCTctsAuto-execute
classify_return()Classifies returns as financial, technical, or other with sub-categoriesCTctsAuto-execute
calculate_penal_interest()Calculates penal interest and bounce charges per product policyCTctsAuto-execute
update_lms()Updates LMS with bounced instalment, penal charges, and DPD impactCTctsAuto-execute
queue_nach_represent()Queues NACH re-presentation with cooling-off period complianceCTctsAuto-execute
generate_ni_notice()Generates NI Act Section 138 legal notice for serial defaultersCTctsAuto-execute

Connected Core Systems & APIs

Direct integrations providing live data and execution rails
4 Connected Rails
LLoan management system
Connected

Loan accounts, DPD buckets, EMI schedules and repayment history.

RESTRead
FCore banking (Finacle)
Connected

Customer, account, transaction and charge data. The system of record every agent reads.

RESTRead
NANACH / UPI Autopay mandates
Connected

Mandate status and presentation results for EMIs.

NPCIRead
CRCRM & complaints
Connected

Complaint intake and ticket updates, including RBI CMS references.

RESTRead

Autonomy & Permission Boundaries

RBI Compliant
Read DataAccess customer records, historical balances, and KYC documents
Autonomous
Draft DocumentsSynthesize STRs, sanction notes, customer replies, and audit memos
Autonomous
Propose DecisionsFormulate reversal proposals, credit approvals, and settlement offers
Autonomous
Execute on CoreMove funds, post GL entries, update CBS, and file statutory reports
Pilot only

Model Evaluation & Gate Profile

1840 Benchmark Cases
96.8%
Precision Score95.5%
Misses / False PositivesZero tolerance passed
Production Gate PolicyNo premature re-presentation

Multi-Dimensional Performance Benchmark

5-Axis Audited Evaluation
AccuracySpeedComplianceCoverageCost eff.

Pending Human Sign-offs

0 in Queue
✓ All recommendations signed. Desk queue is fully cleared.