AI agents for banks and lenders
Give your bankers agents that draft the file and leave the decision
Three agents for credit memos, mortgage file checks and adverse action notices. The ones bankers call act as that banker, credit pulls follow the loan file, and no agent changes a risk rating or a decision. Every call lands in one audit record.
Governing Finance Agents
Any tool, any model, any use case
Our example demonstrates three agents for your lending and credit work, pulled from our template library. Our team can work with yours to build, govern, and operate your agents as you deliver on your IT strategy.
Examples for Banking & lending
More from the library · Banking
Also in the library
Draft credit memos
Spreads the borrower's financials, pulls deposit history and drafts the credit memo in the banker's name. Credit approves it.
Tools
Model
Runs
Limits
Tuned for your team
- Your credit policy and memo template
- Covenant and ratio thresholds by loan type
Applying Controls to Agents
Enforce risk ratings, credit pulls and customer data in one place
Dome sits between the agents and your systems. Every call is checked against rules your team writes before it reaches nCino, Encompass or a model.
Call
- Agentcredit-memo is registered and active
- Callerg.whitfield verified through Entra ID
- Toolsave_memo_draft is granted on lending-tools
- Ruleg.whitfield is the relationship manager on this deal
Comprehensive Audit
Show examiners every credit pull and draft an agent made
One record for every call: the agent, the banker it acted for, the system, and the decision. Enable investigations, increase confidence and reduce risk in agentic operations.
- credit-memo09:03:18
| Timestamp | Type | Agent | Acting as | Resource | Outcome | Latency |
|---|---|---|---|---|---|---|
| 09:03:18.420 | ||||||
Regulation
Show fair lending and model risk teams what agents did
Lending agents read credit reports, draft memos and write the notices applicants receive. These are the rules that reach them.
ECOA and Regulation B
What it asks
An applicant who's denied gets the specific principal reasons, however the decision was made.
What Dome gives you
The adverse action agent drafts the notice from the reasons recorded in the decision. It can't send the notice or change the decision.
FCRA
What it asks
Consumer reports can be pulled only for a permissible purpose, and a denial based on one needs its own notice.
What Dome gives you
A rule lets the agent order a credit report only for a borrower on the loan file it's working. Any other pull is refused and recorded.
SR 11-7 model risk management
What it asks
Banks inventory their models, validate them and govern how they're used, including vendor models.
What Dome gives you
Each agent reaches only approved models through Dome. Every model call is recorded, which gives validation teams the usage record by agent.
FAQ
Common questions
How are AI agents used in banking and lending?
Drafting credit memos, checking mortgage files and writing adverse action notices are common first agents. Each drafts inside the access its banker already has, and people keep credit decisions.
Can an AI agent change a loan's risk rating?
Not on this setup. The agent drafts the memo in nCino, and a rule refuses its call to set a risk rating. The refusal is in the audit record.
Can AI write adverse action notices under Reg B?
It can draft them from the reasons recorded in the credit decision. The notice still needs the specific principal reasons, and a banker sends it.
How do you stop an AI agent from pulling credit without a permissible purpose?
Write a rule on the call's arguments. Dome lets the agent order a report only for a borrower on the loan file it's working, and refuses the rest.
Does SR 11-7 apply to AI agents?
Most banks treat the models behind agents as models under SR 11-7. Dome limits agents to approved models and records every call, which supports inventory and monitoring.
Forward deployed engineering
Spend 30 minutes with our FDE team to understand the platform, and how it fits to your needs.
Our FDE team can get your first agent under management and work with your platform team to deliver results for your AI program.
Key topics to discuss:
- Review your AI plans, progress to date, and timeline for agentic projects in production.
- Planning a specific agent, or agentic app, to bring under governance.
- Learning more about our platform capabilities, from gateways to routing.
- Defining agentic operations as repeatable golden pathways for Platform and AppDev teams.
Explore
Other finance solutions
Industry
Finance
KYC reviews, client servicing and SAR narratives. Approvals, money movement and filings stay with your people.
See the agentsFinance
Fintech
App support, onboarding reviews and payment disputes. Fee reversals stay capped, and approvals stay with your people.
See the agentsFinance
Payments & spend management
Disputes, card spend and vendor payments. Refunds stay capped, and payments are released by your people.
See the agentsFinance
Wealth & asset management
Client reviews, rebalancing and client communications. Agents see only the advisor's own households.
See the agentsFinance
Capital markets & digital assets
Morning notes, pre-trade checks and digital asset transfers. Agents never route orders or approve transfers.
See the agentsOther industries
AI agents for gaming and sports betting
Player support, responsible gaming review and bonus setup. Self-exclusions and limits stay out of an agent's reach.
Agentic use cases
- Answer player questionsLooks up a player's account, bets and withdrawal status so a specialist can answer fast. It reads. Balances and limits stay with people.
- Review responsible gaming signalsReviews players flagged for risky play and drafts case notes for the responsible gaming team. It never changes a limit.
- Configure bonusesSets up deposit matches and free bets from a campaign brief, up to the cap you set. Self-excluded players are never targeted.
Answers to
- State gaming regulations
- Bank Secrecy Act (FinCEN casino rules)
- Age, identity and location checks
AI agents in healthcare
Prior authorizations, visit notes and eligibility checks. Agents read only the charts their clinician can read.
Agentic use cases
- Assemble prior authorizationsPulls the notes, orders and imaging a payer asks for into one authorization packet. A clinician reviews it and submits.
- Draft visit notesDrafts a visit note from the encounter and the chart, in the department's template. The clinician edits it and signs it.
- Verify eligibility before the visitChecks coverage for the next day's appointments overnight. Anything that needs a call before the visit goes to the patient access channel.
Answers to
- HIPAA minimum necessary
- Business associate agreements
- HIPAA Security Rule audit controls
- CMS prior authorization rule (CMS-0057-F)
AI agents for insurance claims
Claim intake, file summaries and fraud screening. Agents read only the claims assigned to their adjuster.
Agentic use cases
- Triage new claimsReads each first notice of loss, sets severity and line of business, and routes it to the right adjuster queue. It flags. It never settles.
- Summarize claim filesSummarizes medical records, police reports and correspondence in a claim file for the assigned adjuster. Only claims that adjuster handles.
- Screen claims for fraud signalsChecks each open claim against prior claims history and flags patterns for the special investigations unit. It never denies a claim.
Answers to
- NAIC Model Bulletin on AI Systems
- Unfair claims settlement practices laws
- Insurance data security laws
AI agents for law firms
Conflicts checks, clause extraction and redlines. Every agent acts as the lawyer who asked.
Agentic use cases
- Check new matters for conflictsSearches Intapp and past matters in iManage for parties that conflict with a proposed engagement. It reports. It never clears a conflict.
- Extract clauses from contractsPulls parties, dates, renewal and change-of-control terms from the contracts in a matter workspace. Only in matters the requester is staffed on.
- Draft redlines against the playbookMarks up a counterparty draft against your playbook and saves it as a new version. Counsel reviews it and sends it.
Answers to
- ABA Formal Opinion 512
- Privilege after United States v. Heppner
- Ethical walls (Model Rules 1.7, 1.9, 1.10)
AI agents for professional services firms
Proposals, staffing and engagement status. Each agent sees only the engagements its consultant works on.
Agentic use cases
- Draft proposalsReads an RFP and drafts a response from the firm's reuse library. Client names in past work are stripped before the model sees them.
- Match staff to engagementsMatches skills and availability to a new engagement's roles and proposes a team. Resource managers make the assignments.
- Report engagement statusReads the project plan and engagement files and drafts the weekly status report. It sees only engagements its consultant is on.
Answers to
- Client confidentiality terms
- AICPA Confidential Client Information Rule
- SOC 2
- GDPR and state privacy laws
AI agents for retail
Order lookups, replenishment and product copy. Refunds, orders and publishing stay with your people.
Agentic use cases
- Answer order questionsLooks up orders, shipments and returns so an associate can answer a customer fast. It reads. Refunds stay with the associate.
- Plan replenishmentForecasts demand by store and drafts purchase orders against par levels. Buyers review them and send them.
- Write product copyWrites product titles and descriptions from supplier data, in your voice, and saves them as drafts. Merchandisers publish.
Answers to
- PCI DSS v4.0.1
- State privacy laws (CCPA/CPRA)
- SOX internal controls
- FTC Act, Section 5
- Antitrust and algorithmic pricing
- Predictive scheduling laws
- Routing guides and carrier contracts
AI agents for software companies
Escalation triage, incident summaries and release notes. Agents read code and incidents. Shipping stays with engineers.
Agentic use cases
- Triage engineering escalationsReads an escalated ticket and the code it points to, drafts a diagnosis and sets priority. Fixes stay with the engineer.
- Summarize incidentsFollows an incident's timeline and recent deploys, drafts status updates and a first postmortem. It never acknowledges, pages or resolves.
- Draft release notesReads the pull requests merged since the last release and drafts customer-facing notes. The release stays a draft until an engineer publishes it.
Answers to
- SOC 2
- ISO/IEC 42001
- EU AI Act
- State privacy laws (CCPA/CPRA)
Enabling agent operations
Governance at the agent‑action boundary.
However an agent was built and wherever it runs, the same three boundaries are available to control it: the code it ships as, the tools it calls, and the model it reasons through.
Code
Agent Registry
Make every agent known and manageable. Credentials issued, capabilities declared, lifecycle owned.
See more
Tool
MCP Gateway
Evaluate every call against policy with full context. Allow, deny, or escalate. Filter what comes back.
See more
Model
Model Broker
Constrain how the agent reasons. Selection by policy, routing across providers, evals against real traffic.
See more