AI agents for credit, fraud, and regulatory compliance, inside your perimeter.

The challenge

Business loan origination typically takes 2–4 weeks: document collection, financial spreading from tax returns and bank statements, credit memo drafting, manual review. Customers churn; pipeline is lost; relationship managers spend their time chasing paper instead of selling.

How Lunnoa solves it

AI agents collect documents via a borrower portal, auto-extract financial data from tax returns, management accounts, and bank statements, generate structured credit memos using your template and risk policy, and route them to credit analysts for review, with full citations back to source documents.

Outcomes

• Origination cycle cut from weeks to days
• 60% more applications processed per analyst
• Higher conversion: customers don't drop out of long intake flows
• Every decision fully auditable with source citations

The challenge

90%+ of fraud and AML alerts are false positives. Analysts spend their shifts clearing obvious non-issues, burn out, and genuine fraud slips through in the noise. Hiring more analysts is expensive and doesn't scale.

How Lunnoa solves it

AI agents pick up flagged transactions, cross-reference customer profiles, transaction history, device signals, and external data, and produce a structured evidence pack for each alert. Clear false positives are auto-closed with reasoning; genuine alerts are escalated with a full investigation starter.

Outcomes

• 60% reduction in false-positive workload
• Faster response to genuine fraud: minutes, not hours
• Consistent decisioning: no analyst-to-analyst variance
• Full evidence trail for every decision

The challenge

Quarterly regulatory reporting requires data from risk, treasury, credit, and ops systems, manually reconciled into templates, validated against rules that change every release, and signed off under severe time pressure. Errors are expensive; late filings even more so.

How Lunnoa solves it

Automated data collection from all underlying systems, validation agents that check against the current ruleset and flag inconsistencies, and templated report generation that produces audit-ready output for compliance sign-off.

Outcomes

• On-time filings every cycle
• Full audit trail from source system to filed report
• Regulatory updates absorbed by the platform, not your team
• Fewer late-night quarter-ends

The challenge

Wealth and private banking desks must clear each order against client risk profiles, investment mandates, restricted lists, and MiFID-style conduct rules before it hits the market. Checks span CRM, portfolio systems, and compliance tools; under volume, advisors escalate late exceptions and audit evidence lives in email.

How Lunnoa solves it

An AI agent ingests orders from your OMS or wealth platform, reads client suitability and mandate data, runs restricted-list and sanctions checks, and applies your pre-trade policy for advisory and discretionary books. Passes are logged with rationale; exceptions go to compliance or the relationship manager with a structured pack citing the rule, client record, and recommended action.

Outcomes

• Pre-trade compliance on every order without slowing the desk
• Consistent suitability and restriction checks across advisors
• Faster exception handling with full client and policy context
• Audit-ready trail from order intent to market release