A top-10 retail bank was losing 30% of new account applicants during a KYC process that took 5-7 business days to complete. Customer documents were reviewed manually by a team of 120 analysts, each handling an average of 15 applications per day.

Identity verification required cross-referencing government ID databases, sanctions lists, and PEP registers across multiple systems. 18% of applications were flagged for re-review due to inconsistent data entry, and the bank faced $4.2M in annual fines for compliance gaps where checks were missed under workload pressure.

The bank needed an end-to-end solution that could onboard customers in minutes, not days, while strengthening compliance coverage to 100%.

The Solution

Autonomous agents that handle every step from document intake to account activation

Vijan.AI deployed 5 specialized agents orchestrated by Vijan.AI Forge. The Document Intake agent extracts data from passports, utility bills, and tax forms using OCR and NLP. The Identity Verifier autonomously calls government ID databases and biometric matching APIs. The Risk Scorer evaluates AML signals across transaction history and behavioral patterns. The Compliance agent checks global sanctions and PEP lists in real-time. Finally, the Welcome agent provisions accounts, sets up digital banking access, and sends personalized credentials, all without human intervention.

Autonomous Agents

How each agent reasons, decides, and acts

Step 1 · Verification

KYC Support Agent

Intelligent Identity Verification

Autonomously validates customer identity using multi-factor biometric checks, document authentication, and sanctions screening — replacing manual KYC review.

Input

Application form, government ID documents, selfie image

Output

Identity verification result with confidence score and risk flags

Calls ID verification API for document authenticity and tamper detection
Calls facial recognition tool to match selfie with government ID photo
Autonomous decision: approve, request re-upload, or escalate to manual review
Routes verified identities to Document Processing agent via orchestrator

Step 2 · Extraction

Document Processing Agent

Automated Document Processing

Extracts structured data from identity documents using OCR and validates against application fields autonomously.

Input

Verified identity documents, application data

Output

Structured customer profile with validated data fields

Calls OCR tool to extract text, addresses, dates from ID documents
Calls data validation tool to cross-check extracted fields against application
Autonomous decision: flag discrepancies or proceed with clean data
Routes validated customer profile to Account Inquiry agent

Step 3 · Product Match

Account Inquiry Agent

Intelligent Product Recommendation

Analyzes customer profile and account history to recommend optimal banking products and account types.

Input

Customer profile, product catalog, existing account check

Output

Recommended account type and product bundle

Calls account query tool to check for duplicate or existing accounts
Calls product matching tool to recommend accounts based on profile and preferences
Autonomous decision: suggest upgrades, bundles, or standard account
Routes product recommendations to Onboarding agent for account creation

Step 4 · Provisioning

Onboarding Agent

Automated Account Provisioning

Creates customer accounts, provisions digital banking access, and triggers welcome communications autonomously.

Input

Validated profile, product selection, compliance approval

Output

Active account with credentials and welcome email sent

Calls account creation tool to provision new accounts in core banking system
Calls email tool to send personalized welcome message with credentials
Autonomous decision: enable instant access or schedule delayed activation
Routes new account details to Compliance Monitor for final audit

Step 5 · Audit

Compliance Monitor

Real-Time Compliance Monitoring

Performs continuous AML screening, sanctions checks, and regulatory compliance validation on all new accounts.

Input

New account details, customer profile, transaction history

Output

Compliance status with audit trail and risk score

Calls AML screening tool for anti-money laundering checks
Calls sanctions check tool to validate against watchlists and PEP databases
Autonomous decision: approve account, flag for review, or suspend pending investigation
Routes compliance audit trail to data warehouse for regulatory reporting

Results

Measurable impact within 90 days of deployment

65%

Faster KYC Processing

Average onboarding time reduced from 5 days to under 4 hours. Most low-risk applications complete in under 30 minutes.

100%

Compliance Coverage

Every application checked against all required databases and sanctions lists. Zero compliance gaps since deployment.

30%

Higher Conversion

Application abandonment dropped from 30% to under 5% as customers no longer wait days for account activation.

$4.2M

Fines Eliminated

Zero regulatory fines since deployment. Full audit trail for every decision made by every agent.

Implementation

From pilot to production in 12 weeks

Week 1-4

Agent Design & Tool Integration

Defined agent capabilities, connected ML model, rules engine, graph DB, and chargeback API tools. Configured orchestrator routing logic.

Week 5-8

Shadow Mode & Autonomous Tuning

Agents ran in shadow mode on 10% of transactions. Tuned decision thresholds, tool call parameters, and feedback loop retraining frequency.

Week 9-12

Full Autonomous Deployment

Production rollout across all channels. Agents operating fully autonomously with human-in-the-loop for critical escalations only.

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