BorrowerGraph / MemberGraph — Household-and-member entity for mortgage origination and retention.
Renewal-at-risk to outbound offer in under 90 seconds. → UC01
→ UC01Industry / Financial Services
AI-native finance. Built for the operators, not the slide.
The mid-size bank, credit union, RIA, broker-dealer, asset manager, and carrier are in the most punishing regulatory and competitive window in a generation. They don't have a Tier-1's budget. They have the same expectations. We engineer the operating models that close that gap.
What we are working on in banking.
Four banking substrates carry the work. Each has a copilot layer that turns the substrate into a daily operator surface.
SMB Entity Hub / Business Member Hub + Credit Memo Copilot / Member Business Credit Copilot
SMB auto-adjudication from 20–40% baseline into Tier-1 ranges. Continuous covenant monitoring replaces quarterly review.
→ UC02EvidenceGraph + Auditor Copilot, Shadow Audit Agent, Examiner Copilot, Supervisory Committee Copilot
Continuous controls. A six-week evidence pull becomes a three-hour exhaustive review.
→ UC03DecisionFabric + library of decision agents
Deposit pricing, lead allocation, segment P&L variance, retention triage, ALCO inputs. The BI stack becomes the forensic tool. The decision layer takes the front seat.
→ UC04Adjacent FS plays.
The same substrate pattern lifts cleanly into:
Wealth management
Suitability Copilot (Reg BI), Marketing Review Copilot (Rule 206(4)-1). Books-and-records as a live artifact, not a quarterly clean-up.
Capital markets / asset management
Surveillance Copilot (MAR, spoofing, layering investigations), CommsEvidence Copilot (SEC 17a-4, off-channel comms).
Insurance
InsuranceModelCard Copilot (NAIC AI Bulletin, NY DFS, Colorado SB 21-169), ClaimsDecision Copilot (adverse-decision rationale, market conduct evidence).
Open note
Wealth, capital markets, and insurance are currently positioned as future expansion opportunities. Do not associate with any specific client until proof exists.