Home / Tuvel Agent Teams
Tuvel Agent Teams: 99 agents on 14 desks.
Installed in the console. Each agent reads documents and your knowledge base, drafts and proposes, and hands off to its team; your people decide.
How every agent works.
The same rules on every desk.
A level from the start
Bank agents start at level 1 or 2: they read, draft and propose.
Every action tagged
Each action an agent may take is tagged: it does it, proposes it, or leaves it to a person.
Banking guardrails
Decision boundaries, untrusted content, confidentiality, citations, escalation and logging, on every agent.
Teams with a lead
Each desk has a lead agent that hands work to specialists and checks what comes back.
Retail credit operations
Retail and MSME loan files, from application to disbursement.
- L1
Loan File Orchestrator
Runs each retail and MSME loan file from application to disbursement, and routes every decision to the right authority.
- L1
Document Intake and QC
Sorts and reads KYC, income, business and property documents, and drafts the list of what is missing.
- L1
Cash Flow and Statement Analyser
Reads statements, GST and tax returns, cross-checks income and flags risky patterns, with workings shown.
- L1
Credit Appraisal Note Drafter
Drafts the appraisal note from the file, the scorecard and the policy, with deviations listed.
- L1
Policy and Deviation Checker
Checks each proposal against credit policy and pricing, and names who may approve each deviation.
- L1
Legal and Technical Report Reviewer
Reads legal and valuation reports against the bank’s norms and drafts the queries that close each gap.
- L2
Sanction to Disbursement Tracker
Tracks conditions and documents after sanction and builds the pre-disbursement checklist.
- L1
Disbursal Execution Preparer
Prepares the disbursal instruction once a person has cleared every condition, and posts it only after the disbursement authority approves it on a card.
- L2
Post-disbursement Tracker
Tracks what a disbursed loan still owes, from deferred documents to insurance, and drafts the chasers.
- L1
Pre-approved Offer Builder
Turns eligible-customer lists into draft pre-approved offers, with consent and do-not-call checks.
Corporate and MSME credit
Corporate and mid-market credit files: memos, pricing, documents, early warning and workouts.
- L1
Credit File Orchestrator
Runs each corporate and mid-market credit file, from new limits and renewals to annual reviews.
- L1
Financial Spreading
Spreads financial statements into the bank’s template and computes the ratios, with formulas shown.
- L1
Borrower Research and News
Builds a cited borrower profile: group, promoters, filings, ratings and adverse news.
- L1
Corporate Credit Memo Drafter
Drafts the credit memo for working capital and term loans, with proposed terms marked for decision.
- L2
Covenant and Early Warning Monitor
Recomputes covenants and drawing power from periodic submissions and raises early-warning alerts.
- L1
MSME GST Limit Analyst
Sizes MSME working-capital limits from GST returns and bank statements, with the calculation shown.
- L1
Loan Document and Sanction Terms Checker
Checks loan and security documents against the sanction letter and lists every exception.
- L1
Credit Scenario and Pricing
Runs base and stress scenarios, scores the borrower on the bank’s own model and proposes risk-adjusted pricing, with every formula shown.
- L1
Sanction Letter and Agreement Drafter
Drafts the sanction letter and loan and security agreements from the bank’s templates, and flags each non-standard clause for legal.
- L2
Collateral Registration Tracker
Tracks the creation, registration and perfection of each security, and drafts the loan system update for a maker.
- L1
Early Warning Orchestrator
Combines covenant signals, account conduct, market data and news into one risk score per borrower, and proposes mitigation.
- L1
Corporate Workout Analyst
Sets out restructuring options for a stressed account within the bank’s policy, with recovery scenarios and draft amendments.
Wealth management
Research, mandates, portfolios and committee packs.
- L1
Wealth Intelligence
Entry point for wealth and research work; routes to specialists and stops at the suitability gate.
- L1
Mandate and Suitability
Builds the investor profile or mandate and checks each proposal against it.
- L1
Equity Research Analyst
Drafts cited company and sector research for an analyst and research compliance to release.
- L1
Fund and PMS Due Diligence
Produces due-diligence dossiers on mutual funds, ETFs and PMS strategies.
- L1
Portfolio Analytics and Risk
Explains returns, risk, concentration and overlap on one dated snapshot.
- L1
Portfolio Construction and Rebalancing
Drafts allocation and rebalancing options, net of cost and tax. Never places orders.
- L1
Quant Research and ML
Designs statistical studies with baselines and out-of-sample results, and states their limits.
- L1
Committee and Client Packs
Assembles committee memos and client review packs from approved work, with no new figures.
- L2
Research Watchlist and Fact-Check
Traces every figure to its source and watches approved theses for change.
Corporate treasury
Cash, forecasting, funding, FX and tax decision support for treasurers.
- L1
Treasury Intelligence
Entry point for treasury decision support; routes to the cash, funding, FX and tax specialists.
- L2
Cash Position and Reconciliation
Builds the consolidated cash position and raises reconciliation exceptions.
- L1
Cash-Flow Forecaster
Produces daily, 13-week and six-month cash forecasts, with base, downside and severe scenarios.
- L1
Working Capital and Payables
Ranks collection actions by cash effect and drafts the payables and statutory calendar.
- L1
Surplus Cash Investment Analyst
Evaluates only policy-permitted instruments and drafts an investment proposal.
- L1
GST and Statutory Cash Planner
Models GST and other statutory cash outflows, credits and refunds.
- L1
Debt and Covenant Analyst
Recomputes covenants, forecasts headroom and flags refinancing needs.
- L1
FX Exposure and Hedge Review
Maps currency exposures against the hedging policy and drafts a review.
- L1
CFO Plan and Board Memo
Assembles the CFO liquidity plan and the board treasury memo from approved work.
- L1
Treasury Opportunity Register
Keeps a net register of treasury savings and tracks what is realised.
- L1
Treasury Analytics and ML
Computes treasury KPIs, measures forecast quality and builds controlled models.
Corporate client coverage
Treasury conversations between relationship managers and corporate clients.
- L1
RM Coverage Orchestrator
Leads treasury work for relationship managers and routes every client recommendation for approval.
- L1
Client Cash Forecast and Liquidity
Builds a corporate client’s cash forecast from its accounts with the bank and data it shared.
- L1
Surplus Placement Proposal
Proposes where a client’s surplus could sit among the bank’s own products and published rates.
- L1
FX Exposure and Hedge Discussion
Maps a client’s currency exposure and drafts hedge discussion material.
- L1
Working Capital and SCF Proposal
Proposes working-capital and supply-chain finance structures from a client’s payment patterns.
- L1
Client Brief and Meeting Prep
Builds the relationship manager’s pre-meeting brief and drafts the follow-up note.
Compliance and financial crime
Circulars, returns, AI governance, AML and sanctions alerts.
- L1
Compliance Orchestrator
Routes compliance work, keeps the calendar of returns and reviews, and holds the gates to senior approvers.
- L2
AI Governance and Inventory
Keeps the register of the bank’s AI systems and agents, and drafts the AI committee pack.
- L2
Circular Tracker and Change Impact Mapper
Tracks new regulator circulars and maps each to the policies, products and controls it touches.
- L1
Regulatory Return Preparer
Prepares regulatory returns from source extracts, with validation checks and variances explained.
- L1
AML Alert Triage and STR Drafter
Gathers evidence on monitoring alerts and drafts the disposition, and the grounds when an analyst escalates.
- L1
Sanctions Alert Reviewer
Compares sanctions and PEP hits with the bank’s data and drafts the match analysis.
- L1
Dynamic Customer Risk Re-scoring
Recomputes a customer’s AML and KYC risk rating when an event arrives, shows which factors moved, and proposes the new rating.
Fraud, disputes and KYC
Fraud claims, card disputes, mule alerts and periodic KYC.
- L1
Fraud and Disputes Case Orchestrator
Walks investigators through each fraud, dispute and KYC case, and tracks the deadlines.
- L1
Card Dispute and Chargeback Preparer
Assembles card dispute files and drafts the chargeback or representment.
- L1
Fraud Claim Investigation Copilot
Builds the timeline of a customer’s fraud claim and drafts the investigation note.
- L1
Mule Account Alert Triage
Gathers the evidence on a suspected mule account and proposes one next step.
- L1
Fraud Classification File Preparer
Prepares the fraud classification file, from evidence to draft notices and orders.
- L2
Periodic KYC Refresh
Tracks customers due for a KYC update and prepares each update for a maker.
KYC and onboarding
Customer due diligence for individuals and businesses, from the first document to the KYC officer’s decision.
- L1
KYC Onboarding Orchestrator
Owns each KYC case: picks the identity route and onboarding mode the market’s rules allow, assigns the specialists and tracks the clocks.
- L1
Individual KYC Verifier
Checks an individual’s identity route, tax ID and onboarding mode against the market’s rules, recording each verification with its evidence.
- L1
Entity KYB Verifier
Checks a business against the document list for its type, verifies tax and registry records at source and lists the gaps.
- L1
Beneficial Ownership Tracer
Walks the ownership and control tree to the natural persons behind a business, and shows the tree and the arithmetic.
- L1
KYC Document and Evidence Checker
Records which source verified which field, with its reference and time, and flags signs of tampering.
- L1
Customer Risk and EDD Assessor
Proposes the initial risk tier by the bank’s method, applies enhanced due diligence triggers and builds the review queue.
- L2
CKYC and Customer ID Steward
Tracks registry uploads and updates as they fall due, and duplicate customer IDs, and prepares each record and merge for a maker.
Trade finance
Remittances, letters of credit, guarantees and export and import bills.
- L1
Trade Desk Orchestrator
Runs each trade case, from remittances to letters of credit, and routes it to a banker when it should.
- L2
EDPMS and IDPMS Reconciler
Matches outstanding export and import bills to payments and drafts the follow-ups.
- L1
Remittance and Trade Document Intake
Reads remittance requests and trade documents and checks each case is complete.
- L1
LC and BG Application Validator
Checks letter of credit and guarantee applications against limits, formats and ICC rules.
- L1
Trade Document Examiner
Examines documents presented under a letter of credit and lists each possible discrepancy.
- L1
Trade Sanctions and TBML Screener
Screens parties, vessels, ports, goods and pricing for sanctions and trade-based laundering flags.
Transaction banking operations
Corporate payments, reconciliation, onboarding and service.
- L1
Operations Request Router
Sorts corporate servicing emails and portal requests and dispatches the work.
- L1
Payment Repair
Investigates rejected, returned or held payments and proposes the repair, return or query.
- L2
Reconciliation and Exceptions
Matches collections and suspense items, explains each break and proposes the entries.
- L1
Corporate Onboarding and KYB
Assembles the KYB file for a corporate client and lists every gap.
- L1
Business Client Service Desk
Drafts answers to business clients’ questions on mandates, statements, limits and charges.
- L1
Daily Operations Analyst
Builds the daily operations report: volumes, service levels, backlog and root causes.
Retail service
Branch and contact-centre requests, answers and complaints.
- L1
Service Desk Orchestrator
Sends each service request to a specialist or a human queue and tracks it against service levels.
- L1
Staff Answer Desk
Answers staff questions on products, charges and processes from the bank’s own knowledge, with citations.
- L1
Call Summary and Wrap-up
Turns a call or chat into a short summary, a disposition code and follow-up tasks.
- L1
Servicing Request Preparer
Prepares servicing requests as maker entries, with the documents and checks each one needs.
- L2
Complaint Investigator and Letter Drafter
Investigates complaints, tracks escalation deadlines and drafts the resolution letter.
- L1
Branch and RM Advice Copilot
Prepares staff for a needs-based customer conversation, matched to live products only.
Retail collections
Overdue accounts, contact plans, hardship and conduct.
- L1
Collections Desk Orchestrator
Segments overdue accounts, plans contact and assigns each to a bot channel or a human collector.
- L1
Contact Plan and Script Writer
Drafts call scripts and messages in the customer’s language, from the bank’s approved library.
- L1
Hardship and Restructuring Preparer
Sets out the options the bank’s policy allows a borrower in hardship, with their cost.
- L2
Collections Conduct QA
Reviews call and message transcripts against the code of conduct and raises each finding.
- L1
Legal Notice and Recovery File Preparer
Prepares late-stage recovery files and notice drafts from the bank’s approved formats.
Legal and bids
Contracts reviewed against the bank’s legal playbook, and responses to requests for proposal.
- L1
Legal Contract Analyst
Reads custody, vendor, outsourcing and other commercial contracts, checks each clause against the bank’s playbook and lists every deviation for counsel.
- L1
RFP Response Drafter
Drafts RFP responses from the bank’s catalogue, past proposals and approved answers, and routes each section for approval.
Personal finance
The specialists behind the customer advisor.
- L1
Personal Finance Intelligence
Entry point for a customer’s money questions from the app; routes to the specialists.
- L1
Budgeting Coach
Finds what drives an overspend and proposes a budget for the customer to confirm.
- L1
Goals and SIP Planner
Turns a goal into a monthly saving or SIP plan. Proposes only.
- L1
Tax-Saving Advisor
Compares tax regimes on the customer’s own figures and lists unused deductions.
- L1
Insurance Gap Check
Works out the life and health cover gap, and the policy features to look for.
- L1
Loan and EMI Optimiser
Proposes a repayment order, and whether prepaying or a balance transfer pays after fees.
Build your own agents.
Your team can build its own agents in the console, in plain English, under the same controls as every other agent. Available now
Describe it in plain English
In the console, say what the agent is for: the desk, the work, what it reads and what it may do.
The builder asks
Where the description leaves a gap, such as who approves or which system holds the data, the builder asks.
A draft agent
It drafts the agent: role, instructions, starting level, approvers and the tools it needs.
Only the listed tools
The agent is granted only the tools listed for it. A new tool grant waits for an admin.
Sandbox, staging, live
Automated checks run before each step, and only a bank admin puts the agent live.
Questions.
How many agents are in Tuvel Agent Teams?
99 staff agents across 14 desks, from retail and corporate credit to collections, fraud and disputes, KYC and onboarding, compliance, trade, treasury, wealth, service, and legal and bids. They are installed in the console.
What can a staff agent do on its own?
Bank agents start at level 1 or 2: they read documents and your knowledge base, draft and propose. Each action an agent may take is tagged: it does it, proposes it, or leaves it to a person.
Who makes the decisions?
Your people. Sanctions, approvals, payments, filings and anything a customer sees are a person’s decision, approved with one button on a card in the desk’s room.
Can we start with one desk?
Yes. A pilot usually starts with one desk, such as a lending desk or a disputes queue, over six to eight weeks.
Can we build our own agents?
Yes. Describe the agent in plain English in the console. The builder asks what it needs, drafts the agent and grants only the tools listed for it, and the agent moves from sandbox to staging to live with automated checks before each step. Only a bank admin puts it live.
See the agents on your desk.
We show the desk you choose, its lead agent and its specialists, working in a room.
Or write to demo@tuvel.co.