HOme
Industries
Agentic Banking Operations
Overview
01 AML
02 Trade Breaks
03 Fraud & Disputes
04 Onboarding
05 Advisor
06 Deck Review
07 Payments
08 Booking
09 Investor Intelligence
10 Institutional Intelligence
Portfolio at a Glance

Ten agentic offerings for regulated banking

Financial Crime

Anti-Money Laundering (AML) Alert Investigation & Detection

Financial crime: Takes an alert, or just a file of transactions, and hands the analyst a finished case to sign off.
Trade Operations

Trade Break Resolution & Corporate Actions

Trade operations: Turns a failed trade, or a dense SWIFT message, into a ledger update a person can stand behind.
Fraud & Disputes

Fraud & Dispute Resolution

Fraud and disputes: Assembles case evidence, applies bank policy, and produces a review-ready recommendation.
Onboarding and KYC

Customer & Merchant Onboarding

Onboarding and Know Your Customer (KYC): Governed KYC and Know Your Business (KYB) onboarding with maker and checker sign-off on every case. Complete, traceable records that improve audit and regulatory readiness.
Wealth Management

Intelligent Advisor Platform

Wealth management: Trusted advisor-assisted planning turns complex household questions into clear, personalized recommendations and client-ready action plans, improving decision confidence and advisor productivity while preserving professional judgment, transparency, and compliance.
Capital Formation

Capital Formation Review

AI-powered QA reviews investment decks for financial, narrative, tone, and version inconsistencies before leadership or LP delivery. Every finding is evidence-backed, traceable to the exact slide, and reviewed by a human without altering the source deck. The result is faster, consistent, and audit-ready deck assurance with lower reputational risk.
Payments

Agentic Payments for Commerce

Agentic payments turn product discovery into an end-to-end conversational purchase, increasing conversion while preserving user consent, security, and auditability.
Property and Booking

Agentic Payments for Hospitality

Intelligent buyer-property matching converts cancellations into new sales opportunities while helping customers secure properties that match their original preferences.
Investor Intelligence

Individual Investor Intelligence

Turning fragmented investor data into timely, explainable, and accountable guidance and recommending the next best action.
Institutional Intelligence

Institutional Intelligence

Institutional intelligence: One explainable next-best action with forecast confidence, evidence citations, and policy cautions reviewed by a human and recorded in a complete audit trail.

Alti AIOS Capability Layer

Experience Layer
Agent Orchestration
Context / KG
Tool Integration
HITL Workflow
Evaluation
Observability
Governance
Security
Audit Trace

Supported Reference Deployments

Gemini Enterprise

reference deployment

OpenAI

supported deployment

Anthropic

supported deployment

Risk and regulatory posture:

Minimum Viable Products (MVPs) are decision-support and workflow acceleration patterns. Model risk management sign-off, customer-specific validation, and production controls for regulatory reporting remain implementation workstreams.

01
Financial Crime

Agentic AML Investigation & Detection

40 to 9 min

to get a case ready for review

1,785 hours

given back to the team each month

3.7x

more alerts at the same headcount

$14.9M

in activity the rules never flagged

Industry Pain Points

  • An analyst spends around 40 minutes assembling a case before the review can even begin, and roughly nine out of ten alerts turn out to be nothing.
  • Threshold rules only watch limits, so a customer who stays just below them is never flagged at all.
  • Changing a rule means raising it with the vendor and waiting for the next release, so tactics that shift in months meet a rule book that shifts in years.
  • Risk teams will not sign off on detection that cannot say why it flagged something, so promising models never leave pilot.

Business Outcomes with Agentic AIOS

  • Cuts case preparation from about 40 minutes to 9, giving roughly 1,785 hours back to the team every month.
  • Reads the whole transaction book rather than the alert queue alone, surfacing $14.9M of activity the rules missed.
  • Handles 3.7x the alert volume at the same headcount and is 5x better at picking out the cases that matter.
  • Around $2.06M of potential annual savings, with every conclusion tied to a record an auditor can open.
Risk & Control Pattern
Human Disposition
Nothing closes or files itself. A person decides and selects a reason code before recording the outcome.
Evidence Citation
Every point in the narrative links back to a real record, including the ones that clear the subject.
Rule Governance
Each signature carries a version, an owner, and an approver. Only the Chief Risk Officer (CRO) switches one on.
Quality Control Gate
If the write-up asserts something it cannot evidence, the case routes to a person instead of the queue.

Core Capabilities We Bring

  • Alert intake, triage, and raw transaction book screening
  • Entity resolution, pattern detection, and risk context
  • External intelligence, ownership, and adverse media
  • Evidence assembly, disposition narrative, and quality control
  • Signature factory: new pattern, backtest, and risk sign-off

AIOS Capabilities Applied

Applied capabilities
●
Experience Layer
●
Agent Orchestration
●
Rules Engine
●
Tool Integration
●
HITL Workflow
●
Evaluation
●
Observability
●
Governance
●
Security
●
Audit Trace
Agent Mesh
intake_triage
entity_resolution
pattern_detection
risk_context
external_intelligence
ownership_media
evidence_assembly
disposition_narrative
quality_control
review_routing
Ten agents run over a deterministic detection layer. The pattern engine does the arithmetic, and the agents read and explain what it finds.
02
Trade Operations

Agentic Trade Breaks & Corporate Actions

42 to 3 min

to work one break

214 to 94

Reduction in breaks an analyst must open

412 accounts

updated in a single run

100%

of postings cite their source

Industry Pain Points

  • A trade fails over a fee or a date, and the proof of what was agreed is a line in a chat rather than a field in a system.
  • A split, dividend, or merger lands as a dense Swift message, and someone reads it and then edits every affected account by hand.
  • Analysts open more breaks each day than they can work properly, so the routine ones absorb the time the disputed ones need.
  • Entitlements are recalculated account by account, where a single arithmetic slip carries straight into client positions.

Business Outcomes with Agentic AIOS

  • Time to work one break falls from 42 minutes to 3, and the number an analyst has to open drops from 214 to 94.
  • A single corporate action run updates 412 accounts, with per-account entitlements calculated rather than generated.
  • Every posting cites its source, so an approver sees the chat line and the broker confirm side by side.
  • Settlement corrections leave as a proper cancel-and-replace instruction, not a silent edit to a booked trade.
Risk & Control Pattern
Evidence Citation
Every number in an amendment points to the message or document it was drawn from.
Named Approver
Small fixes post straight through. Anything above the limit needs a name and a note before it moves.
Reason Codes
Each amendment carries a coded rationale into the ledger and the audit record.
Point-in-time Limits
The head of back office sets the thresholds and can show what they were on any past date.

Core Capabilities We Bring

  • Exception intake and broker confirm parsing
  • Chat evidence adjudication and economic terms reconciliation
  • Amendment drafting with standing settlement instruction validation
  • Corporate action extraction, holdings lookup, and entitlement calculation
  • Ledger updates and Swift cancel-and-replace messaging

AIOS Capabilities Applied

Applied capabilities
●
Experience Layer
●
Agent Orchestration
●
Deterministic Calculators
●
Tool Integration
●
HITL Workflow
●
Policy Gate
●
Observability
●
Governance
●
Security
●
Audit Trace
Agent Mesh
Exception intake
Confirm parser
Chat evidence
Terms reconciler
Amendment drafter
SSI validator *
CA extractor
Holdings lookup *
Entitlements *
Ledger updates *
The agent count fits the job: one for a routine corporate action and five for a disputed break. * Starred steps are fixed rules and arithmetic, not a model.
03
Fraud and Disputes

Agentic Fraud & Dispute Resolution

under 2 min

evidence assembly target

85% or better

recommendation agreement target

40%

reduction in analyst handling time

Near zero

regulatory and network breaches

Industry Pain Points

  • Twenty to forty minutes goes into gathering evidence before an analyst can form a view on a single claim.
  • Intake spans fraud, merchant, processing and billing disputes, each with a different evidence trail and a different clock.
  • First-party fraud is hard to judge from the record alone, and over-approving it is expensive.
  • Wrong reason codes are the single largest cause of lost chargebacks, and missed credit or representment windows turn into breaches and write-offs.

Business Outcomes with Agentic AIOS

  • Evidence assembly target of under 2 minutes, with unavailable evidence identified rather than quietly omitted.
  • Recommendation agreement target of 85% or better against analyst decisions, backtested on dispute history.
  • Around 40% reduction in analyst handling time across the queue.
  • Near-zero regulatory and network deadline breaches, because the tighter of the two clocks sets queue priority.
Risk & Control Pattern
Human Approval Gates
Every final denial and configured provisional-credit decision stays with the analyst.
Low-confidence Routing
Ambiguous narratives and thin evidence go to a person rather than to a recommendation.
Case-scoped Access
Retrieval and tool access are bounded to the case, with tokenization and Personally Identifiable Information (PII) masking applied.
Override Audit Trail
Override reason, per-case traces, retrieval lineage, and agreement drift are all kept.

Core Capabilities We Bring

  • Claim intake, normalization, and reason code assignment
  • Case-scoped evidence retrieval and missing evidence detection
  • Case narrative, first-party fraud assessment, and cited policy clauses
  • Provisional credit advice separated from chargeback, denial, or write-off outcome
  • Customer communication, representment content, and audit record drafting

AIOS Capabilities Applied

Applied capabilities
●
Experience Layer
●
Agent Orchestration
●
Deadline Service
●
Policy Rules Service
●
HITL Workflow
●
Evaluation
●
Observability
●
Governance
●
Security
●
Audit Trace
Agent Mesh
Intake Agent
Evidence Agent
Investigation Agent
Recommendation Agent
Compliance Agent
Deadline service *
Policy rules service *
Five agents in sequence with checkpoints, so a case can wait on missing evidence and resume. * Starred services are deterministic and sit outside the model.
04
Onboarding and KYC

Agentic Customer & Merchant Onboarding

Faster decisions

on KYC and KYB onboarding

Maker + checker

Two authenticated humans on every case

Audit ready

policy version and evidence on every decision

Lower cost

Automated evidence and case preparation

Industry Pain Points

  • KYC and KYB policy sits in documents and is interpreted by hand, so two reviewers reading the same file can reach different answers.
  • Applicant data, screening results and reviewer notes live in separate systems, so assembling a case is manual work before any judgment begins.
  • Review is slow, repetitive, and costly. Decisions vary across reviewers, teams, and locations.
  • Evidence, policy versions and decision ownership are hard to reconstruct, which makes audit and regulatory readiness expensive.

Business Outcomes with Agentic AIOS

  • Faster onboarding and KYC or KYB decisions, with extraction, validation, and screening done before a human opens the case.
  • Clear human accountability through controlled access and separation of duties between maker and checker.
  • Complete, traceable records that improve audit and regulatory readiness.
  • Higher application volume without proportionally increasing compliance staff, and lower operating cost through automated evidence collection.
Risk & Control Pattern
Maker and Checker
Two authenticated people sign a case. The maker assembles and proposes, the checker approves or rejects, and neither step closes on its own.
Versioned Policy Rules
Policy evaluation runs as deterministic code with a version, an owner, and a rule result ledger rather than as model judgment.
Immutable Audit Log
Every agent action, policy version, tool call, human decision, and remediation is written to an append-only record.
Governed Agent Registry
Only approved specialist agents are reachable, and every task is routed and traced through the Agent-to-Agent (A2A) gateway.

Core Capabilities We Bring

  • Intake profiling and applicant or merchant data capture
  • Document processing and extraction with Document AI and Gemini
  • Extraction validation against versioned document controls
  • AML and sanctions screening through governed provider Application Programming Interfaces (APIs)
  • Deterministic policy evaluation with maker and checker assist

AIOS Capabilities Applied

Applied capabilities
●
Experience Layer
●
Agent Orchestration
●
Policy Engine
●
Tool Integration
●
HITL Workflow
●
Evaluation
●
Observability
●
Governance
●
Security
●
Audit Trace
Agent Mesh
intake_profile
document_processing
extraction_validation
screening
policy_evaluation
maker_assist
checker_assist
central_orchestrator
Seven specialist agents run under a central orchestrator on the A2A control plane, with policy evaluation held in deterministic services outside the model.
05
Wealth Management

Agentic Intelligent Advisor Platform

Advisor led

Nothing reaches a client without approval

Household view

of goals, estate, education, portfolio and tax together

Source traced

Decision and evidence kept as one record

Faster preparation

Less time assembling advice

Industry Pain Points

  • Household decisions affect several goals at once, and fragmented guidance slows the advisor down.
  • Clients receive inconsistent experiences across advisors and channels, which weakens confidence.
  • Advisors need a clear way to explain choices while retaining professional judgment.
  • Legal and tax questions arrive mixed into planning conversations and need routing rather than answering.

Business Outcomes with Agentic AIOS

  • Reduced preparation time and improved response speed on household planning questions.
  • Clients understand the choices in front of them and act with more confidence.
  • Increased advisor capacity while maintaining service quality.
  • Stronger trust through visible advisor ownership of every recommendation that reaches a client.
Risk & Control Pattern
Response Validation
Every agent response is checked against the planning contract before an advisor sees it.
Advisor Approval
Nothing reaches a client until the advisor confirms what may proceed.
Professional Handoff
Legal and tax matters route to the right professional rather than being answered by the platform.
Review Record
The decision, the approved presentation and the source trace are retained together.

Core Capabilities We Bring

  • Planning intake: goal identification, household context and clarification
  • Specialist advice across estate, vehicle, education, portfolio, and tax
  • Recommendation summary and approval preparation
  • Client presentation composed only from approved content
  • Advisor governance with validation, approval, and professional handoff

AIOS Capabilities Applied

Applied capabilities
●
Experience Layer
●
Agent Orchestration
●
Policy Engine
●
Tool Integration
●
HITL Workflow
●
Evaluation
●
Observability
●
Governance
●
Security
●
Audit Trace
Agent Mesh
advice_orchestrator
household_context
planning_specialists
advisor_conversation
response_validation
A planning intake agent, specialist advice agents, and a delivery agent work behind an agent mesh, with a deterministic router deciding which specialist runs.
06
Capital Formation

Agentic Executive Deck Review

Shorter cycles

Review and approval before investor meetings

Six specialists

running in parallel on one deck

Cited findings

Every finding points to a source item

Separate copy

annotations land outside the source deck

Industry Pain Points

  • Capital formation teams QA executive investment decks slide by slide before they reach leadership and LPs, which is slow, inconsistent, and high stakes.
  • Reviewers cannot safely delegate financial, tone, and version checks without risking hallucinated findings or altered source decks.
  • Conflicting or unsupported information reaches stakeholders when checks are manual and late.
  • Review quality varies by deck and by reviewer, so the same issue is caught in one cycle and missed in the next.

Business Outcomes with Agentic AIOS

  • Shorter deck review and approval cycles before investor or leadership meetings.
  • Less manual effort and less late-stage rework.
  • Improved confidence in financial claims, messaging, and presentation quality.
  • Consistent review quality across more decks without adding equivalent review effort.
Risk & Control Pattern
Source Deck Protection
The original deck is never edited. Findings land in a separate annotated review copy.
Evidence Access Policy
Agents read only what the evidence review rules allow, and every access is recorded.
Finding Validator
A finding that cannot be traced to a source item does not reach the reviewer.
Named Reviewer
An authenticated reviewer accepts or sends back the package before a readiness outcome is recorded.

Core Capabilities We Bring

  • Document parsing and prior annotation reading
  • Tone, format, duplication, and numeric review running in parallel
  • Preferences and version difference checks
  • QA report assembly with severity and readiness
  • Deck annotation and decision packaging

AIOS Capabilities Applied

Applied capabilities
●
Experience Layer
●
Agent Orchestration
●
Policy Engine
●
Tool Integration
●
HITL Workflow
●
Evaluation
●
Observability
●
Governance
●
Security
●
Audit Trace
Agent Mesh
document_parser
annotation_reader
tone_format
duplication_numeric
preferences_reviewer
version_diff
qa_report
deck_annotator
Six review specialists run in parallel under a central orchestrator, with a QA report agent and a deck annotator preparing what the reviewer sees.
07
Payments

Agentic Payment Completion with Human Authorization

In conversation

Purchase completed without leaving the chat

Mandate backed

AP2 authorization before any instrument is used

Threshold held

Payments above the limit stop for a person

Full audit chain

Consent, transaction, and decision recorded

Industry Pain Points

  • Users start a product search in chat but must leave the conversation to complete purchase and payment, which breaks the experience.
  • Agents can act on a user's behalf, but no secure cross-platform framework exists for payments and consent verification.
  • Industry research from Forrester and Gartner puts lead-to-deal conversion extremely low, with reactive chat recovering only a fraction of it.
  • Consent and transaction evidence sit in different systems, so disputes are slow and expensive to resolve.

Business Outcomes with Agentic AIOS

  • Higher conversion by removing checkout abandonment from the conversation.
  • Faster purchases with fewer steps and handoffs.
  • Greater trust through explicit consent, secure credentials, and transaction limits.
  • Better compliance and dispute resolution through a complete audit trail, with lower integration effort from a reusable cross-platform payment framework.
Risk & Control Pattern
Mandate Service
A digital payment mandate is created and authorized under AP2 before any payment instrument is used.
Verifiable Credentials
Identity is verified against trusted credentials rather than asserted by the agent.
Threshold Rejection
Payments above the configured limit fail, and the attempt is recorded.
Audit Logging
Consent, authorization, transaction verification, and rejection all land in the same audit chain.

Core Capabilities We Bring

  • Intent extraction, confidence scoring and completeness assessment
  • Product and service matching, vendor selection and price comparison
  • Mandate creation and payment processing under Agent Payments Protocol (AP2)
  • Payment instrument and credential handling through the processor
  • Audit logging and threshold enforcement

AIOS Capabilities Applied

Applied capabilities
●
Experience Layer
●
Agent Orchestration
●
Deterministic Services
●
Tool Integration
●
HITL Workflow
●
Evaluation
●
Observability
●
Governance
●
Security
●
Audit Trace
Agent Mesh
intent
product_matching
procurement
conversation
mandate_service
workflow_engine
Four agents work behind an A2A communication hub, with mandate, credential, and workflow services running deterministically outside the model.
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2000 Town Center, Suite 170
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