Built for banks, fintechs, asset managers, and broker-dealers
AI agents your compliance team will actually approve.
From KYC and AML to credit underwriting and payments, financial institutions are deploying agents across every critical workflow. Record governs every action with JIT credentials, three enforcement gates, and an immutable audit trail — built to satisfy examiner scrutiny before it happens.
Agents you can deploy today.
Every agent ships with Cedar policies pre-configured for financial services compliance requirements. Deploy in minutes, not quarters.
KYC / AML Investigation Agent
Gathers identity documents, runs real-time sanctions screening (OFAC, EU, UN), cross-references transaction patterns, and closes low-risk cases autonomously. Routes high-risk determinations and deepfake flags to compliance analysts via HITL before any SAR draft is prepared — ensuring compliance officer review before submission.
Trade Surveillance Agent
Monitors live trading activity for wash trades, front-running, layering, and spoofing patterns. Flags anomalies to compliance officers for review before escalating to regulators — directly addressing FINRA's supervisory expectation for "guardrails limiting agent behaviors."
Credit Underwriting Agent
Pulls bureau data, runs DTI/LTV calculations, stress-tests rate scenarios, and generates adverse action notices with documented reason codes — satisfying ECOA Regulation B and CFPB guidance (Circular 2022-03) that black-box AI denials are not compliant. Routes decisions outside policy to human underwriters.
Payment Operations Agent
Routes payments across ACH, RTP, wire, and card rails. Accesses cardholder data only within a PCI-scoped kernel sandbox — eBPF enforces network segmentation at the OS level, not just the application layer. HITL gates on payment triggers above configurable thresholds.
Regulatory Filing Agent
Compiles CTR, SAR, FR Y-9, and Form ADV data from production systems with JIT credentials that expire after each extraction. Routes draft filings to the responsible compliance officer for review before electronic BSA E-Filing System submission — filing authority is never delegated to the agent.
FINRA's 2026 Annual Regulatory Oversight Report identifies three supervisory expectations for firms deploying AI agents: monitoring system access and data handling, establishing human-in-the-loop oversight protocols, and implementing guardrails to limit agent authority under FINRA Rule 3110. The EU AI Act classifies credit scoring and lending AI as High-Risk with mandatory compliance by August 2026 — violations carry penalties up to €15M or 3% of global turnover. Deepfake identity fraud targeting KYC systems increased 1,740% in North America in 2025 alone. Most financial AI architectures were not built to address all three simultaneously. Record was.
Governance built for financial services.
FINRA Rule 3110 supervisory trail, automatic
FINRA's 2026 oversight report identifies system access monitoring, HITL protocols, and behavior guardrails as supervisory expectations for AI agent deployments under Rule 3110. Record's Context Graph captures every gate event, tool call, and credential lifecycle. The supervisory evidence your examiners will request is generated as a byproduct of running agents, not a separate compliance project.
JIT credentials — no agent holds standing access
Agents never hold persistent API keys to Bloomberg, core banking, custody systems, or payment processors. Credentials are minted per tool call with a configurable TTL and auto-revoked the moment the action completes. Eliminates the standing-access attack surface that regulators and your CISO flag in every AI architecture review.
Compliance officer review before every SAR submission
Best practice BSA compliance programs require compliance officer accountability for SAR filing decisions. Record's HITL gate enforces this review step structurally — the AML agent identifies suspicious activity and drafts the SAR, but submission requires explicit compliance officer confirmation with a timestamped audit trail, regardless of transaction volume or urgency.
EU AI Act High-Risk compliance before the deadline
Credit scoring, loan underwriting, and financial risk assessment are Annex III High-Risk AI systems under the EU AI Act — mandatory compliance by August 2, 2026. Violations of high-risk obligations carry penalties up to €15M or 3% of global turnover. Record's governance architecture provides the access controls, audit trails, and human oversight documentation the Act requires.
Three gates. Every action. Zero exceptions.
Every agent action passes through all three enforcement layers simultaneously — not just one. Here's what that means for financial services.
Cedar policy evaluates every tool call before execution — restricts trading agents to approved asset classes, requires HITL for positions above risk limits, routes SAR drafts to compliance officer review before filing, and blocks access to systems outside each agent's defined authority. Directly addresses FINRA's Rule 3110 supervisory expectation for "guardrails limiting agent scope."
All LLM traffic proxied through AI Gateway — prevents client PII and cardholder data from reaching external model providers without contractual data processing agreements. All agent-model interactions archived to satisfy MiFID II communication recordkeeping. CFPB-required adverse action reason codes generated at the gateway layer for every credit decision event.
eBPF sandbox intercepts every syscall, file I/O, and network connection at the kernel. Cardholder data cannot leave the PCI-scoped environment through any path. Agents cannot exfiltrate market data or client records through side channels that application-layer controls miss — satisfying SOX IT general controls and PCI DSS network segmentation requirements.
Ready to govern agents in Financial Services?
See how Record works for your team in a 30-minute demo.