Agent Desk

KYCAML
All agent desksID: KYCAML · STAGE 2: SHIP
Compliance Operations·Principal Officer·7 Tools·6 Connectors

KYC & AML Monitor

Risk-based re-KYC scheduling, document validation, watchlist screening (UN/OFAC/MHA/PEP), transaction pattern analysis for AML red flags, SAR drafting and FIU-IND filing.

Operational ROI:1.2L re-KYC completed this quarter
Live · Human Sign-offStage: SHIP
Architecture deep-diveTrain agent
Daily VolumeToday
1,840
accounts screened handled
Audit Concurrence30 days
95.3%95.3%
Human-AI alignment rate
Capacity Returned7 days
290h
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
HitClearRe-KYC due listCBSCollect docsDIGILOCKERValidate + screenAI AGENTWatchlist hit?Compliance reviewKYC refreshed
TriggerSystem callAI Model stepDecision gateHuman sign-offResolvedEscalation
Autonomous DAG Pipeline
Audited Step-by-Step Pipeline Sequence
01
Re-KYC due listCollect docs
DigiLocker
02
Collect docsValidate + screen
AI Agent
03
Validate + screenWatchlist hit?
04
Watchlist hit?Compliance review
Hit
05
Watchlist hit?KYC refreshed
Clear
06
Compliance reviewKYC refreshed

Tools & Deterministic Capabilities

Every tool is sandbox-isolated and bound by audit policies
7 Registered Tools
Tool FunctionCapability & Operational MandateTarget ConnectorExecution Policy
generate_due_list()Generates risk-based re-KYC due list with customer prioritisationFFinacle CBSAuto-execute
validate_document()AI-validates identity documents (Aadhaar, PAN, Passport) for authenticityFFinacle CBSAuto-execute
screen_watchlist()Screens against UN, OFAC, MHA, and PEP watchlists with fuzzy matchingFFinacle CBSAuto-execute
analyse_patterns()Analyses 12-month transaction patterns for AML red flagsFFinacle CBSAuto-execute
draft_sar()Drafts SAR narrative in FIU-IND format with evidence citationsFFinacle CBSSign-off Bound
file_finnet()Files SAR/CTR via FINnet 2.0 to FIU-INDFFinacle CBSAuto-execute
sync_ckyc()Syncs updated KYC data to CKYC central registryFFinacle CBSAuto-execute

Connected Core Systems & APIs

Direct integrations providing live data and execution rails
6 Connected Rails
FCore banking (Finacle)
Connected

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

RESTRead
CKCKYC registry (CERSAI)
Connected

Central KYC search and download for onboarding and re-KYC.

CKYCRSearch
DLDigiLocker
Available

Issuer-verified PAN, Aadhaar XML and other documents with customer consent.

OAuthPull documents with consent
SNSanctions lists (UN, MHA, OFAC)
Connected

Consolidated sanctions and designated-person lists for screening.

DailyRead
FNFIU-IND FINnet 2.0
Planned

STR, CTR and CBWTR filing. The agent prepares XML; a person files.

PortalSubmit reports (human only)
VKVideo KYC (V-CIP)
Available

Schedule and retrieve RBI-compliant video KYC sessions.

RESTSchedule sessions

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
Not allowed

Model Evaluation & Gate Profile

2400 Benchmark Cases
95.3%
Precision Score94.1%
Misses / False PositivesZero tolerance passed
Production Gate PolicyZero missed watchlist hits

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.