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Industries/Financial services/Banking

AI consulting for banks and lenders

Banking runs on documents that have to be right. Credit assessors read payslips, bank statements and valuations for every loan application. AML analysts open each alert the transaction monitoring system raises and write up why it was closed or reported. Regulatory returns are pulled from several systems and reconciled in spreadsheets, and every complaint runs on a deadline.

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Use cases
Credit file assembly, AML alert triage, Complaints handling, Regulatory reporting, Document search
Runs on
Your servers, on premises
Connects to
Ultradata, Data Action, Temenos, Infosys Finacle
Rules cited
05, each with its source
Decides
A person, every time

Use cases

All use cases →
01Credit file assemblyCredit assessorPayslips, Bank statements, Tax returns, Valuations, Borrower financials02AML alert triageAML analystMonitoring alerts, Customer history, Linked accounts, Past case notes03Complaints handlingComplaints officerPhone notes, Emails, Web forms, Branch logs, Policy documents, Past outcomes04Regulatory reportingRegulatory reporting analystCore banking, General ledger, Loan system, Claims system, Prior returns05Document searchRecords clerkPDFs, Scans, Email archives, Shared drives, SharePoint

Architecture

We build beside the software you already run

We build AI for banks, mutual banks, credit unions and non-bank lenders that takes the reading, sorting and drafting off those teams. The model runs on your own servers or in an Australian cloud region, and customer data does not leave the business. We do not replace your core banking or loan origination system. A person still makes every credit, AML and complaint decision.

  1. SourcesUltradata / Data Action / Temenos / Infosys Finacle / nCino
  2. Your serversCredit file assembly → AML alert triage → Complaints handling
  3. ReviewYour team
  4. OutputCredit files / Loan servicing / AML alert triage / Complaints / Regulatory reporting

The hours in banking go to work that repeats

  1. 01

    Credit files

    Payslips, bank statements, tax returns and valuations read by hand and checked against what the applicant declared.

  2. 02

    AML alerts

    Analysts pull the customer history and linked accounts for each transaction monitoring alert and write the case note from scratch.

  3. 03

    Regulatory reporting

    Figures for APRA returns pulled from core banking, the general ledger and the loan system, then reconciled in spreadsheets before each deadline.

  4. 04

    Complaints and hardship

    Complaints and hardship requests logged from phone, email and branch, tracked against their response deadline and answered one letter at a time.

Services

All seven services →
U2On-prem AI deploymentCustom GPU servers in your building or data centre, running open-weight models on bare metal, with every request logged in your environmentU6LLM integration and RAGAnswers from your own documents, each with its sourceU4Agents and workflow automationAgents that read, check and post work inside your systems of record, with a person where an error costs moneyU3Forward deployed engineersSenior engineers inside your team and your systems until the work is live and handed over

We take these jobs off your team

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Banking runs under its own rules

  1. 01

    Information security

    APRA Prudential Standard CPS 234 commenced on 1 July 2019 and applies to every APRA-regulated entity. A bank must notify APRA no later than 72 hours after it becomes aware of a material information security incident. A material control weakness that the bank cannot fix in time is notified within 10 business days. The standard also applies where a third party manages the information assets of the bank.

    Australian Prudential Regulation Authority ↗
  2. 02

    Operational risk and service providers

    The current version of APRA Prudential Standard CPS 230 commenced on 1 July 2026. A new or materially changed agreement with a provider that a critical operation relies on is notified to APRA within 20 business days. The bank submits its register of material service providers to APRA every year. Credit assessment and core technology services are on the list of services an ADI must class as material unless it can justify otherwise.

    Australian Prudential Regulation Authority ↗
  3. 03

    Suspicious matter reports

    A reporting entity must submit a suspicious matter report to AUSTRAC within 3 business days after the day it forms the suspicion. A suspicion that relates to terrorism financing is reported within 24 hours. The AUSTRAC guidance uses the example of a bank whose transaction monitoring system flags 12 cash deposits in a month from a single customer. Sharing the details of a report is a criminal offence if it could reasonably prejudice an investigation.

    AUSTRAC ↗
  4. 04

    Complaint deadlines

    ASIC Regulatory Guide 271 sets the internal dispute resolution standards for credit licensees and applies to complaints received from 5 October 2021. A standard complaint gets a response no later than 30 calendar days after it arrives. A credit complaint about a default notice or a hardship notice gets 21 calendar days, and the firm must record every complaint it receives.

    ASIC ↗
  5. 05

    Automated decisions

    Under the Privacy Act, a privacy policy must say when a computer program makes or informs decisions that significantly affect a person. The rule starts on 10 December 2026. The policy lists the kinds of personal information the program uses and the kinds of decisions it makes or supports. The obligation was added to APP 1 by the Privacy and Other Legislation Amendment Act 2024.

    Office of the Australian Information Commissioner ↗

Example engagements

Banking / Example

A private LLM inside a bank's network for its credit analysts

Questions

Where do the data and the model sit?

On your own servers or in an Australian cloud region that you control. Credit files, transaction data and AML case notes are not sent to a public AI service. We choose the model and the hosting with your technology and risk teams in discovery.

How does this fit CPS 234, CPS 230 and the Privacy Act?

We build inside the controls you already run for those rules. The system runs in your environment under your access controls and logging, and any outside provider goes through your service provider assessment. We document what the system reads, what it produces, where the data goes and which personal information it uses. Your risk team reviews that document before the system is live.

Does the AI make credit or AML decisions?

No. It reads the documents, pulls the history together and drafts the note. The credit assessor, the AML analyst or the complaints officer makes the decision and signs it off, as they do today.

Do we need to replace our core banking or loan origination system?

No. What we build reads from and writes back to the core banking, loan origination and CRM systems you already run. We will tell you in discovery if one of those systems is the actual constraint.

Where we do this work

Sydney / Melbourne / Brisbane / Perth / Adelaide / Gold Coast / Canberra / Newcastle / Hobart / Darwin

More in financial services

Finance / Insurance / Real estate / Accounting / Audit / Asset and wealth management / Payments and fintech

Before you call

Tell us where your hours go.

We map the work, size the hardware and price what is worth automating.

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