Balance Sheet Forecasting
Forecast deposits and funding, liquidity, credit losses, net interest income, loan demand and prepayment, and call and branch volumes on one shared foundation.
Generative AI turns filings, news and notes into model features, explains every change in plain language, and answers what-if questions with numbers that always come from the model.
Early Warning and Collections
Spot deteriorating borrowers earlier and give each late account the treatment most likely to work.
Early-warning models flag commercial borrowers trending toward downgrade. Roll-rate and cure models separate self-curers from accounts that need help now. Reads borrower news, filings and relationship notes for warning signs. Drafts outreach and summarizes each collector call for the next contact.
Attrition and Next Best Action
Spot customers likely to leave or move money, and give the banker the right offer and the right words.
Attrition models score runoff risk; propensity models rank the next product each customer needs; uplift models pick who will respond to an offer. Writes a one-page brief for the banker and drafts a personalized message in approved language, reviewed before it goes out.
Complaint Analytics
Classify every complaint, flag regulatory risk and find root causes across calls, chats and emails.
Models use the extracted topics and sentiment to predict escalation and attrition, so the right complaints are resolved first. Classifies each conversation by product, issue and severity, flags likely regulatory complaints, and summarizes themes and root causes every week.
Regulatory Change and Policy Q&A
Track new rules, map them to policies and controls, and let employees ask the policy library.
Agents compare each new rule to internal policies and controls and draft a gap analysis. A policy assistant answers staff questions, citing the exact passage. Answers come only from approved sources and say “I don’t know” when the library is silent. Compliance reviews every gap analysis.
Model Risk Management
Documentation and validation slow every model on its way to production.
AI drafts, tests and challenges. Automated challenger models and benchmark tests show where the production model underperforms, drifts or behaves unexpectedly. Drafts development documentation from code, data and test results to the bank’s SR 11-7 template. Checks submissions for gaps and inconsistent numbers.
Advisor Copilot
A copilot does the meeting preparation and the paperwork, so advisors spend the time with clients.
Flags households likely to move assets, portfolios that need a rebalance, and clients ready for a new product, so the brief leads with what matters. Prepares a one-page brief before each meeting: holdings, performance, life events, open items. Drafts commentary, CRM notes and follow-ups afterwards.
