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Financial Services · Recommendation autonomy
Compliance Monitoring
An agent that monitors transactions and communications for compliance risk, prioritising cases for the surveillance team.
32 HAL Score / 40 Governed
Workflow
- 1 Agent ingests transactions and communications
- 2 Agent scores cases against risk indicators
- 3 Agent prioritises and explains each alert
- 4 Surveillance analyst investigates
- 5 Outcomes feed back to tune the model
Governance design
- ✓No authority to clear or close alerts. Prioritisation only.
- ✓Every score is explainable with contributing factors.
- ✓Immutable record of all alerts, including those dismissed.
- ✓Monitoring watches for alert-fatigue and suppression patterns.
Escalation paths
- ↗High-severity pattern → senior surveillance, same day.
- ↗Model confidence collapse → owner alerted to investigate drift.
- ↗Repeated near-misses on a counterparty → escalated review.
Ownership model
Head of Surveillance, with the model owner as deputy.
Lessons learned
- Keeping "close the alert" as a human-only action protected the integrity of the audit trail.
- Logging dismissed alerts was essential. The regulator asked about the ones that were not actioned.