Custom AI Agents.
Deployed in weeks, not months.

How it works: Built on Microsoft's documented lending scenario for Copilot Studio. The agent extracts data from borrower-submitted documents, calculates financial ratios (debt-to-income, LTV), assesses credit ratings against your lending criteria, and drafts a structured credit memo. Your loan officer reviews the output and makes the final decision.

Data sources: Borrower documents (uploaded to SharePoint), credit bureau data, your institution's lending policies, Dataverse for structured loan records.

Who uses this: Mortgage companies and credit unions processing commercial or residential loans. Reduces credit memo preparation from hours to minutes while keeping the human officer in control of every lending decision.

How it works: Based on Microsoft's documented audit preparation scenario. The agent uses Copilot to research current regulatory requirements (BSA/AML, FFIEC, NCUA), generate compliance checklists tailored to your institution's size and charter, draft policy templates that align with examiner expectations, and simulate audit Q&A so your team can prepare responses in advance.

Data sources: Regulatory guidance documents, your institution's existing policies in SharePoint, previous exam findings, industry best practice frameworks.

Who uses this: Community banks, credit unions, and mortgage companies preparing for regulatory examinations. Especially valuable for institutions where compliance staff also handle other responsibilities.

How it works: Built on your internal knowledge base in SharePoint. Members or staff ask questions in natural language. The agent retrieves answers from your documented procedures, product guides, and FAQs. When it cannot answer confidently, it escalates to a human representative with full conversation context attached.

Data sources: SharePoint knowledge base, product documentation, rate sheets, branch hours and services, internal procedure manuals.

Who uses this: Credit unions and banks with member-facing digital channels. Mortgage servicers use a version of this for borrower inquiries about payment status, escrow, and payoff quotes.

How it works: This use case combines Copilot Chat with a custom Copilot Studio agent. Copilot Chat searches your SharePoint compliance libraries and summarizes existing control documentation. A Studio agent then maps what you have against your framework (NIST CSF 2.0, FFIEC CAT), flags gaps where documentation is missing or outdated, and generates a checklist of items to address before your exam.

Data sources: SharePoint compliance libraries, previous exam workpapers, policy documents, incident response logs, vendor risk assessments.

Who uses this: Credit unions preparing for NCUA exams, community banks facing OCC or state examiner reviews, and mortgage companies with state licensing audits. Especially valuable for institutions where one compliance officer handles multiple functions.

How it works: The agent indexes your policy manuals, employee handbooks, compliance procedures, and operational guides stored in SharePoint. When a branch manager asks "What is our process for handling a wire transfer over $10,000?", the agent returns the exact procedure with citations back to the source document and section number.

Data sources: SharePoint policy libraries, employee handbooks, compliance manuals, operational procedures, board-approved policies.

Who uses this: Every financial institution with documented procedures. Most valuable for institutions with 50+ employees across multiple branches where consistent policy application matters. Mortgage companies use it for processing guidelines and investor overlays.

How it works: Based on Microsoft's documented KYC scenario for Copilot Studio. During account opening, the agent collects customer information, generates reports on missing documentation, screens applicants against global sanction and watchlists (OFAC/SDN) and PEP databases, and drafts follow-up communications. Flagged cases route to a compliance officer with a summary for human review and decision.

Data sources: Account opening applications, customer-submitted documents, OFAC/SDN sanction lists, PEP databases, your institution's CIP requirements.

Who uses this: Banks and credit unions opening new accounts, and mortgage companies verifying borrower identity during the application process. The agent assists staff rather than replacing them. Every decision goes through a human officer.