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Banking Module Tutorial

Duration: 10 minutes | Difficulty: Beginner | Agents: 38

Learn how to use FAOS banking agents for credit analysis, AML compliance, loan processing, and portfolio risk management.

Prerequisites​

  • FAOS account with Banking module enabled
  • Basic familiarity with banking concepts

What You'll Learn​

  1. Credit risk analysis using the Credit Risk Analyst agent
  2. AML transaction screening with the Compliance Officer agent
  3. Multi-agent loan processing workflow
  4. Portfolio-level risk assessment with the Risk Manager agent

Regulatory Context​

All Banking module agents operate within regulatory frameworks:

  • BSA/AML — Bank Secrecy Act and Anti-Money Laundering compliance
  • SOX — Sarbanes-Oxley Act for financial reporting
  • Basel III — Capital adequacy and risk management standards
  • FDIC/OCC — Federal banking regulatory requirements
  • KYC — Know Your Customer verification protocols

Scenario 1: Credit Risk Analysis (3 min)​

Meet the Credit Risk Analyst​

The Credit Risk Analyst agent evaluates creditworthiness of loan applicants by analyzing financial statements, assessing industry risk, and generating risk-rated recommendations.

Sample Interaction​

You:

Analyze credit risk for a $500,000 commercial loan application
for ABC Manufacturing Inc. with the following data:
- Annual Revenue: $2.5M
- Years in Business: 8
- Credit Score: 720
- Existing Debt: $200K

Credit Risk Analyst:

Financial Analysis:

  • Revenue: $2.5M annual
  • Debt-to-Income Ratio: 35%
  • Credit Score: 720 (Good)
  • Years in Business: 8

Risk Assessment:

  • Industry Risk: Manufacturing — Moderate
  • Cash Flow Coverage: 1.8x (Adequate)
  • Collateral: Real estate valued at $600K

Recommendation: Approve with conditions

  • Interest Rate: Prime + 2.5%
  • Loan Term: 7 years
  • Condition: Quarterly financial reporting for first 2 years

Try It Yourself​

Navigate to the Banking Tutorial in the Customer Portal to interact with the Credit Risk Analyst using your own scenarios.

Scenario 2: AML Compliance Check (3 min)​

Meet the Compliance Officer​

The Compliance Officer agent screens transactions against BSA/AML rules, identifies suspicious activity patterns, and generates regulatory filing recommendations.

Sample Interaction​

You:

Screen this transaction for AML compliance:
- Transaction: Wire transfer $150,000
- From: John Smith (US)
- To: Unknown LLC (offshore jurisdiction)
- Purpose: "Investment"
- Frequency: 3rd large transfer this month

Compliance Officer:

BSA/AML Risk Flags:

  1. Multiple large transfers in short period (potential structuring)
  2. Offshore destination with opaque beneficiary
  3. Vague transaction purpose

Recommended Actions:

  • File Currency Transaction Report (CTR)
  • Escalate for SAR review
  • Place temporary hold pending enhanced due diligence

Scenario 3: Multi-Agent Loan Processing (2 min)​

This scenario demonstrates how multiple agents collaborate on a single loan application:

  1. Credit Risk Analyst evaluates borrower risk
  2. Compliance Officer verifies regulatory requirements
  3. Loan Officer makes the final underwriting decision

The Loan Officer orchestrates this workflow automatically, gathering inputs from each specialist before rendering a decision.

Scenario 4: Portfolio Risk Assessment (2 min)​

Meet the Risk Manager​

The Risk Manager agent provides portfolio-level analysis including sector concentration, stress testing, and Basel III capital adequacy assessment.

Sample Interaction​

You:

Assess risk for commercial loan portfolio:
- Total Portfolio: $50M across 120 loans
- Sector Concentration: 40% real estate, 25% manufacturing
- Average LTV: 72%
- 90+ Day Delinquency: 3.2%

Risk Manager:

Concentration Risk: Real estate at 40% exceeds 35% guideline

Stress Test (Moderate Recession):

  • Projected delinquency: 3.2% → 7.5%
  • Estimated losses: $1.8M (3.6%)

Recommendations:

  1. Reduce real estate concentration below 35%
  2. Increase loss reserves by $500K
  3. Enhanced monitoring for retail sector loans

Next Steps​

  • Interactive Tutorial: Open the Banking Tutorial in the Customer Portal for hands-on practice
  • Agent Discovery: Browse all 38 banking agents in the Agent Discovery page
  • Integration: Set up core banking system connectors
  • Community: Join the FAOS Banking community for best practices