Proof of Concept: Intelligent Execution Layer for Banking Compliance

From Manual Oversight to Agentic Execution: Modernizing AML & Fraud Operations with Regulatory Precision and Zero Core Disruption

Client Background

In this Proof of Concept (PoC), we profile a representative California-based community bank serving 20,000–30,000 account holders. Operating within a complex regulatory landscape (CCPA, CPRA, and Federal AML requirements), the institution manages core retail and commercial banking services across a regional branch footprint.

Business Challenge

The bank faced a "speed-to-safety" paradox: while transaction volumes and AI-enabled financial threats increased, compliance remained tethered to manual, sequential human reviews.

• Operational Bottlenecks: Prolonged AML/fraud qualification cycles slowed service delivery.
• Scaling Friction: A linear relationship between transaction volume and staffing costs threatened profitability.
• Audit Strain: Evidence trails relied on manual documentation, making regulatory examinations time-consuming and variable in quality.

The Solution

CodeNinja deployed a modular, Agentic AI Intelligent Execution Layer designed to sit above existing infrastructure. This non-disruptive system integrates via APIs with core banking platforms (SAP, ERPs) and transaction monitoring tools.

The solution utilizes Autonomous Qualification Agents to evaluate low-to-mid-risk cases in seconds. Built with a "Regulatory-First" design, it includes an Audit & Explainability Engine that automatically generates human-readable decision logs, ensuring every automated action is transparent and defensible to regulators.

Measurable Outcomes

The deployment methodology projects a 14-week path to full production, yielding significant operational gains:

• 33% Faster Qualification Cycles: Reducing average review times from 45+ minutes to under 30 minutes.
• High-Volume Automation: Shifting routine low/mid-risk cases to AI agents, allowing analysts to focus on high-value investigations.
• Audit Readiness Transformation: Reducing quarterly audit preparation time from weeks to just a few days through automated evidence logging.
• Decoupled Scaling: Breaking the link between transaction growth and hiring needs, enabling sustainable expansion without overhead spikes.

Download our PoC Framework to Discover How to Modernize Your Bank’s Compliance Without Disrupting Your Core Systems