Fee Leakage Sentinel · Architecture

How it works

← Agent overview

Transactions scanned

2,84,600

nightly batch

Variances detected

142

52 under · 28 over

Total leakage

₹48.2L

cumulative today

Tickets raised

ServiceNow + Jira

Remediation rate

87%

avg detection 4.2h

Agent pipeline6 modules · 5 LLM decision points

🔄Nightly Batch ScanExtracts all fee postings and reversals from the previous business day across CBS and GL.

📋Product Master LoadLoads current tariff schedules, waiver policies, and tax rates from the product master.

⚙️Fee Rule MatchingResolves ambiguous product-to-tariff mappings and multi-condition rulesLLM

📐Variance DetectionComputes expected vs. actual fee and flags non-zero variances beyond threshold.

💰Impact EstimationEstimates downstream impact and determines materiality for audit escalationLLM

🎯Remediation RoutingRecommends remediation path based on root cause, urgency, and approval chainLLM

Leakage category distribution142 variances

Status breakdown142 total

Detected

Classified

Ticket Raised

Remediated

Closed

Case queue

10 cases

Case ID	Product	Fee Type	Expected	Actual	Variance	Category	Impact	Status	Root Cause
FL-30101	CA-PREM	Annual maintenance	₹2,500	₹1,500	-₹1,000	Under-Charge	₹1,000	Ticket Raised	Old tariff rate applied after product-master update
FL-30102	SA-BASIC	Non-maintenance balance	₹300	₹450	+₹150	Over-Charge	₹300	Remediated	Quarterly fee charged monthly due to frequency config error
FL-30103	HL-FLOAT	Processing fee	₹11,500	₹0	-₹11,500	Missed Billing	₹11,500	Detected	Disbursement event did not trigger fee posting in CBS
FL-30104	CA-CORP	Cash handling charge	₹8,200	₹0	-₹8,200	Unauthorized Waiver	₹8,200	Classified	Branch manager waiver without RO approval; override logged
FL-30105	FD-SR	Pre-closure penalty	₹14,200	₹12,800	-₹1,400	Incorrect Interest	₹1,400	Ticket Raised	Penalty calculated on residual tenor instead of original tenor
FL-30106	CA-PREM	Demand draft issuance	₹150	₹150	₹0	Tax Computation	₹810	Ticket Raised	GST charged at 12% instead of 18% across 30 DDs this quarter
FL-30107	OD-MSME	Renewal fee	₹5,000	₹0	-₹5,000	Missed Billing	₹5,000	Classified	OD renewal event not mapped in fee-rule engine
FL-30108	SA-SALARY	Debit card annual fee	₹0	₹500	+₹500	Over-Charge	₹500	Remediated	Salary account exempt from card fee but charged due to missing flag
FL-30109	PL-UNSEC	Late payment charge	₹1,200	₹900	-₹300	Under-Charge	₹300	Closed	Slab lookup used previous-year tariff table
FL-30110	CA-NRE	TDS on interest	₹0	₹1,840	+₹1,840	Tax Computation	₹1,840	Detected	NRE account incorrectly classified as NRO; TDS deducted on exempt income

LLM decision points5 points · Claude API

Fee Rule Matching

Resolves complex product-to-tariff mappings when multiple rules overlap or conditions are ambiguous

InputProduct code, transaction type, account flags, tariff schedule

OutputSelected tariff rule with confidence score and reasoning

Leakage Classification

Classifies the detected variance into one of six leakage categories based on pattern analysis

InputFee posting, expected amount, variance, account history, waiver logs

OutputCategory assignment with evidence chain

Impact Estimation

Estimates financial impact across all potentially affected accounts, including downstream tax effects

InputVariance details, product portfolio size, historical occurrence rate

OutputTotal estimated impact, materiality flag, affected account count

Root Cause Analysis

Traces the variance back to a system configuration, process, or human error

InputFee rule config, CBS posting logs, change history, waiver audit trail

OutputRoot cause narrative with system references

Remediation Recommendation

Recommends the optimal remediation path: auto-reversal, manual correction, rule update, or audit escalation

InputLeakage category, impact amount, root cause, approval thresholds

OutputRemediation action with ticket type and routing

Compliance guardrailsAll enforced · RBI + GST

✓

RBI Master Direction on Interest RateInterest rate and penal charge rules validated against RBI circular before every cycle

✓

Banking Codes & Standards BoardFee transparency checks — tariff displayed, changes communicated 30 days prior

✓

GST on Banking ServicesTax computation validated against current GST schedule; SAC code matching enforced

✓

Internal Audit RequirementsAll leakages above materiality threshold auto-escalated to internal audit team

✓

Customer Fairness — Over-charges reversed proactivelyOver-charge cases trigger auto-reversal workflow within 24 hours of detection

✓

Data Retention — 8 yearsAll fee audit trails, variance records, and remediation logs retained per RBI mandate

Connectors required9 integrations

Core Banking SystemFee postings, account details, transaction history, GL entries

JDBC / REST APIBidirectional

Data WarehouseHistorical fee data, trend analysis, model training datasets

JDBC / RESTWrite + Query

Product Master / Tariff EngineTariff schedules, fee rules, exemptions, product-account mapping

REST APIRead

Waiver Audit SystemWaiver logs, approval chains, override history, authority matrix

REST + EventRead

Ticketing SystemServiceNow / Jira — ticket creation, status tracking, SLA monitoring

REST APIBidirectional

Dashboard / BI ToolLeakage dashboards, trend charts, executive summary delivery

REST + WebSocketWrite

Notification ServiceEmail and SMS alerts for high-impact leakages and audit escalations

REST + SMTPWrite

Change Management SystemConfig change requests for tariff corrections and CBS rule updates

REST APIBidirectional

LLM APIClaude API — rule matching, classification, root cause analysis, remediation

HTTPSRequest/Response

End-to-end agent workflowFull orchestration pipeline

Scan → Remediation

Nightly batch reconciliation of fee, interest, and penalty computations against the product master — detecting under-charges, over-charges, missed billings, unauthorized waivers, incorrect interest, and tax errors with automated remediation routing.

Workflow execution sequence

Node types & classificationsStartLLM Decision PointDecision GateEscalationOutcomeHuman-in-the-LoopProvision / Protocol