Financial Services — Document Operations

Financial services AI without the captive offshore.

Document workflows for banks, credit unions, RIAs, and lenders — KYC, AML, mortgage ops, trade finance, UBO, credit memos, wealth onboarding, disclosure review — into Fenergo, Pega, NICE Actimize, Encompass, CreditLens, and Pershing.

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The Landscape

The Workflow Currently Routed to the Captive Offshore

Most banks, credit unions, RIAs, and lenders route KYC review, sanctions and PEP alert adjudication, SAR drafting prep, mortgage loan-file indexing, trade-finance document review, beneficial-ownership remediation, credit-memo drafting, wealth-onboarding, and disclosure document review to BPOs and captive offshore operations. Major firms: Genpact, WNS, Cognizant BPS, Accenture Operations, NIIT, EXL, Conduent, Infosys BPM, Tata Consultancy. Mortgage-specific shops include Sourcepoint, Visionet, and Indecomm. KYC reviewers in India and the Philippines cost $11–$18 per hour billed; US-based AML analysts run $35–$60 per hour. A single bank's KYC remediation project routinely runs $50M–$500M and takes 2–3 years. Templated, rules-driven document work with a regulatory floor (FFIEC, BSA, OFAC, CFPB, FinCEN, MISMO, UCP 600) and a defensibility floor on examiner reviews — that's the cell where AI workflows undercut the labor cost without changing the bank's compliance posture. Last Rev replaces the BPO line item, not your CLM, your loan-origination system, or your wealth platform.

Workflows

Pick the Workflow You Want to Replace

Each page below shows input, analysis, output, and the system of record we deliver into.

Workflow 01

KYC Document Review (CIP, CDD, EDD)

Identity verification, beneficial-ownership chain, sanctions and PEP adjudication, adverse-media review — into Fenergo, Pega, NICE Actimize, Quantexa, or your CLM platform.

Workflow 02

Sanctions & PEP Alert Adjudication

L1/L2 alert review on the 100K–1M alerts per month — name-similarity false positives parsed, audit-ready dispositions, SAR escalations.

Workflow 03

SAR Drafting & Filing

Suspicious Activity Report narratives drafted from escalated alerts and transaction history — FinCEN-ready, filed via E-Filing.

Workflow 04

Mortgage Loan File Indexing

200–400 page closed loan files classified per MISMO standards into Encompass, Black Knight Empower, DocVelocity, BlitzDocs.

Workflow 05

Trade Finance Document Review

Letters of credit, bills of lading, invoices, certificates of origin — UCP 600 compliance check and discrepancy-letter drafting.

Workflow 06

Beneficial Ownership Remediation

FinCEN CTA, BOI reports, and global UBO rules — ownership chain reconstruction across layered entities into the CLM.

Workflow 07

Credit Memo Drafting

Audited financials, tax returns, cash flow → Moody's CreditLens, nCino. Ratios, covenants, narrative drafted before the analyst's coffee.

Workflow 08

Wealth Management New-Account Onboarding

New-account application, W-9 / W-8BEN, advisory agreement, suitability — into Pershing, Schwab Advisor Center, Fidelity IWS, Envestnet.

Workflow 09

Disclosure Document Review

Reg Z, RESPA, TRID, Reg E review — APR-tolerance, fee-bucket, timing-rule compliance against the underlying contract and HMDA submissions.

Systems of Record

We Deliver Into the Platforms Your FS Teams Already Use

Fenergo Pega NICE Actimize Quantexa FircoSoft Refinitiv World-Check Encompass Black Knight Empower DocVelocity Moody's CreditLens nCino Pershing Schwab Advisor Center Fidelity IWS Envestnet

Common Questions

What Banks, Credit Unions & RIAs Ask Before Engaging

Those are the systems of record where compliance status, alerts, loan files, and credit memos live. The competitor on this page is the BPO labor sitting on top of those platforms — Genpact, WNS, Cognizant BPS, Accenture Operations, NIIT, EXL, Conduent, Infosys BPM running KYC review, alert adjudication, and document indexing at $11–$18 per hour offshore or $35–$60 per hour onshore for AML investigators. We undercut that BPO labor cost, integrate directly into your existing Fenergo / Actimize / Encompass / CreditLens / Pershing deployment, and deliver structured artifacts (KYC records, dispositioned alerts, indexed loan files, drafted SARs, populated credit memos) into the system of record.

Most banks and lenders keep the BPO arrangement in place during pilot and early production — we route exceptions, complex high-risk files, and any case that genuinely requires senior-analyst judgment to the team you already have. Volume to the BPO drops 60–85% on routine document workflow once cutover completes. You renegotiate at the next renewal from a much better position, or shift the relationship to higher-complexity work like complex AML investigations, restructurings, or specialized regulatory exam responses.

We don't make the SAR determination or the OFAC final-match call — those are regulator-required human decisions. We tag the alert or the file with the indicators and source evidence so your AML investigator or your sanctions specialist makes the call on a richer file than they get from BPO L1 today. The SAR filing itself happens through your in-house investigators on FinCEN's E-Filing system; we draft the narrative based on your bank's templates and the case evidence.

Yes — through the documented integration surface each platform supports. Fenergo via REST APIs; Pega via DCO and REST APIs; NICE Actimize via the Actimize Connect API; Encompass via the Encompass SDK; Black Knight Empower via published integration patterns; CreditLens via REST APIs; Pershing via NetX360 and NetXInvestor APIs; Schwab Advisor Center, Fidelity IWS, and Envestnet via their published APIs. Your IT and compliance teams review and approve service accounts. We do not require platform-side custom development.

A single workflow — KYC review, alert adjudication, mortgage indexing, credit memo drafting — typically runs a 6–8 week pilot on a constrained scope (one product line, one jurisdiction, one risk tier). Production cutover happens when the pilot meets your accuracy and SLA bar plus second-line-of-defense sign-off. Multi-workflow rollouts are phased; we do not try to replace your entire BPO stack in one go.

We benchmark against your current BPO unit cost — typically $11–$18 per hour offshore or $35–$60 per hour onshore translated into per-file or per-alert economics. Our target is 25–45% of that per-file cost at higher accuracy and faster cycle time. Pricing structures around volume tiers and outcome SLAs, not hourly billable rates.

Every extraction, finding, and routing decision is logged with the source document, model version, prompt, and confidence score. When OCC, FRB, FDIC, NCUA, CFPB, or FinCEN examiners request the basis for a determination, the audit log produces the chain of custody on demand. The bank or credit union remains the regulated entity making the determinations; we provide the structured evidence and the workflow infrastructure.

Two Ways to Start

Take the AI assessment if you want a structured read on where AI fits in your FS-document operations. Talk to us if you already know which workflow is bleeding the most BPO labor cost.

Self-serve · 8 minutes

Take the AI Assessment

A short structured assessment that maps your FS-document workflows to AI feasibility and ROI. You get a tailored read in your inbox — no sales call required to see it.

Talk to a specialist

Talk to a Financial Services AI Specialist

Tell us your top three workflows by labor cost, your CLM / LOS / wealth platform, and your current BPO arrangement. We'll come back with a per-file ROI model and a 6–8 week pilot plan in 5 business days.