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Case Study

Regional Bank

Compliance & AML

A $40B regional commercial bank was triaging 9,000+ AML alerts a week against a legacy rules engine with an 82% false-positive rate. AIOS encoded senior investigators' judgement and gave regulators an evidence-grade audit trail in the same deployment.

Regional Bank
Client
$40B regional commercial bank
Vertical
Regional Bank
Category
Compliance & AML
Timeframe
11 weeks to production

Impact

92%

False-positive reduction

6.5×

Analyst capacity unlocked

100%

Audit-trail coverage

Challenge

Forty analysts were triaging more than nine thousand alerts a week. Eighty-two percent were false positives. The team's most senior investigators carried the pattern recognition; their notes were in spreadsheets.

Regulators were tightening explainability requirements. The bank needed every decision — not just the audit-flagged ones — to be reviewable, time-stamped, and tied to the policy that authorized it.

Solution

AIOS Interviewer captured the senior investigators' triage logic in structured sessions. The Observer ran alongside live alert review to encode the exception handling that never made it into a runbook.

The cognitive core ran adaptive triage under a default-deny policy: every action was gated, every tool call scoped to a revocable identity, and every decision logged to an immutable audit ledger. The OCC audit closed without a finding.

Compliance got faster — and explainable in the same deployment.

Every action has a paper trail. Every decision is reviewable.

Chief Compliance Officer

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