Deploy AI Agents Safely in Fintech Operations
KYC agents, fraud detection agents, payment routing agents — your teams want to deploy them. Your compliance and risk teams need a governance framework first. NovoStrata is that framework.
Fintechs are among the fastest adopters of AI agents — and among the most exposed if those agents act without proper controls. Regulators and examiners increasingly scrutinize automated decision-making in customer onboarding, transaction monitoring, and fraud response. The NovoStrata Control Tower gives fintech compliance and risk teams the permissions, approvals, audit logs, and reporting they need to say yes to AI agent deployment with confidence.
Where We Move the Needle
Operational scenarios where our automation, tooling, and workflow design translate directly into measurable results.
KYC / KYB Onboarding Agents
AI agents that run identity verification, risk scoring, and document review — governed with data boundary controls so PII only flows where permitted, and adverse decisions route through human approval.
Fraud Detection Agents
Agents that analyze transactions, pattern-match against fraud models, and flag or freeze accounts — with a full audit trail of every decision, including the model inputs and outputs.
Payment Exception Agents
Agents that route, retry, and resolve failed payments — with approval gates on any action that changes a customer's funds state and immutable records for settlement disputes.
AML / BSA Compliance Agents
Transaction monitoring agents and SAR review agents with regulator-ready audit logs, human-in-the-loop approval on filings, and evidence packages formatted for FinCEN.
Credit Decision Agents
Underwriting and limit-change agents with explainability logs, adverse action documentation, and approval workflows that satisfy ECOA and fair lending requirements.
Support Automation Agents
Agents that read customer records and draft responses — with read-only permission controls, human review queues for account-changing actions, and full conversation audit logs.
Compliance, Operational & Business Risks
Purpose-built controls and audit-ready workflows that reduce exposure across the regulated parts of your operation.
Regulatory Examination of Automated Decisions
CFPB, OCC, and state regulators increasingly examine automated decision-making systems. Without audit logs and explainability, fintech AI deployments face examination findings and consent order risk.
Fair Lending and ECOA Exposure
AI agents making credit-related decisions must produce adverse action documentation and be auditable for disparate impact. NovoStrata captures the full decision chain.
Unauthorized Data Access by Agents
Agents with overly broad permissions can access customer PII beyond their scope. Data boundary controls enforce the principle of least privilege at the agent layer.
Account Action Without Human Oversight
Agents that freeze accounts, reverse transactions, or change limits without human approval create operational and regulatory risk. Approval gates enforce the right controls.
Concrete Deliverables
What your team walks away with after engagement. Every output is production-ready and tied to a measurable business outcome.
Agent Permission Policy Library
Pre-built permission policies for each agent type — KYC, fraud, AML — tailored to your data systems and regulatory obligations.
Regulator-Ready Audit Log
Immutable, exportable audit trail for every agent action — formatted for CFPB, OCC, or FinCEN examination requests.
Compliance Evidence Packages
Automated evidence packages mapped to FFIEC, BSA/AML, and fair lending frameworks — ready for your next examination.
Ready to modernize fintech & payments?
Let's scope an engagement tailored to your regulatory posture, systems, and growth plan.