Banking Virtual Experts

Deep expertise for every desk. Apart, or as one.

Six domain experts across the bank, each a commercial-grade body of knowledge that answers in plain language, with citations and a verifiable record. Below is what each one actually knows, the questions it can answer, and how it works alongside your own policies and a banker's own files.

diamondWealth Management account_balance_walletRetail Banking corporate_fareCommercial Banking trending_upMarkets & Treasury verified_userRisk & Compliance settings_suggestOperations
Marketplace

A marketplace of branded expertise

Browse domain content packs authored by named authorities in each field, and subscribe to the ones you need. Each pack is published under its author's brand, curated and trust-scored, and kept current on a regular cadence.

All domainsFront officeRisk & controlOperations
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Published by a named wealth authority
Quarterly

Wealth Management

Investment, fiduciary, and wealth-planning expertise for advisers, planners, and relationship managers.

inventory_2Reference data · frameworks · playbooks · cases · templates
Details
Published by a named retail authority
Quarterly

Retail Banking

Products, lending, conduct, and fraud knowledge for branch and contact-centre teams.

inventory_2Reference data · frameworks · playbooks · cases · templates
Details
Published by a named commercial authority
Quarterly

Commercial Banking

Lending, credit, covenants, and trade-finance expertise for coverage and credit teams.

inventory_2Reference data · frameworks · playbooks · cases · templates
Details
Published by a named markets authority
Monthly

Markets & Treasury

Product, valuation, ALM, and market-conduct knowledge for the desks and treasury.

inventory_2Reference data · models · frameworks · cases · templates
Details
Published by a named risk authority
Event-driven

Risk & Compliance

Regulation, model risk, controls, and financial-crime knowledge for the three lines of defence.

inventory_2Crosswalks · models · frameworks · cases · templates
Details
Published by a named operations authority
Quarterly

Operations

Payments, reconciliation, settlement, and resilience knowledge for the operations floor.

inventory_2Schemas · frameworks · playbooks · cases · templates
Details

Each pack is the licensed backbone of an expert. Subscribe to one, several, or the whole suite; what you select composes into a single expert your people and systems can ask.

The experts

What each expert knows

Each is authored by domain practitioners, trust-scored, and shipped as dated releases. Each carries reference data, models, frameworks and crosswalks, cases, and templates for its field.

diamond
Wealth Management
Relationship managers, investment advisers, wealth planners
01
What it covers

Portfolio construction and allocation, structured-product evaluation, wealth and succession planning, fiduciary suitability, source of wealth and enhanced due diligence, cross-border tax and reporting, and the house view.

MPT / Black-LittermanFCNs & ELNsSEC Reg BIFINRA 2111MiFID IICRSFATCA
Questions it can answer
  • Is this 18-month FCN suitable for a moderate-risk client with a 3-year horizon?
  • How should I document source of wealth for this cross-border client?
  • What is our house view on rebalancing this allocation now?
Used by advisers, wealth operations, suitability and conductProof suitability rationale and a Validity Warrant on every answer
account_balance_wallet
Retail Banking
Branch, contact centre, personal bankers
02
What it covers

Consumer credit and underwriting, household cash-flow and income verification, scam and fraud detection, fair-dealing and vulnerable-customer conduct, and complaint and dispute resolution.

TDSR / DTI / LTVMAS Fair DealingFCA Consumer DutyCFPBAPP scam typologieschargebacks
Questions it can answer
  • Can I approve a $30,000 personal loan on a $4,000 monthly income?
  • Is this transfer an authorised push-payment scam?
  • What is a fair outcome for this fee complaint?
Used by branch and contact centre, product, conductProof affordability and conduct checks, warranted
corporate_fare
Commercial Banking
Coverage relationship managers, credit underwriting
03
What it covers

Statement analysis and leverage, cash-flow and debt-service stress, facility structuring and covenants, ultimate-beneficial-owner dissection and KYB, trade finance, and structured credit memos.

DSCR & covenantsEBITDA add-backsUCP 600ISBPLEI / KYBsector benchmarks
Questions it can answer
  • Does this borrower service its debt under a 200bps rate rise?
  • Who is the ultimate beneficial owner across these entities?
  • How do I resolve this letter-of-credit discrepancy under UCP 600?
Used by relationship managers, credit, portfolio monitoringProof covenant and sensitivity rationale, warranted
trending_up
Markets & Treasury
Markets sales and trading, ALM and treasury
04
What it covers

Product structure and valuation across asset classes, market-risk and value-at-risk modelling, asset-and-liability management and IRRBB, conduct surveillance, and pre-trade suitability.

ISDA / CSAMiFID II / MARBasel LCR / NSFRIRRBBVaRFTP
Questions it can answer
  • Can I show this leveraged structured note to this client?
  • What is the IRRBB impact of this funding shift?
  • Does this trading pattern look like spoofing or front-running?
Used by the desk, treasury, market riskProof appropriateness and limit checks, warranted
verified_user
Risk & Compliance
The three lines of defence: risk, compliance, internal audit
05
What it covers

Stress testing and macro modelling, model risk and AI validation, regulatory mapping and crosswalks, financial-crime screening and sanctions, and control performance and remediation.

SR 11-7EU AI ActNIST AI RMFOFAC / OFSICCAR / DFASTPEP screening
Questions it can answer
  • Which controls satisfy the new MAS notice on digital assets?
  • Does this model meet SR 11-7 before production sign-off?
  • Is this name a sanctions or PEP match, and what is the next step?
Used by risk, compliance, internal auditProof control crosswalk and test evidence, warranted
settings_suggest
Operations
Operations, reconciliations, client servicing
06
What it covers

Payment flow and message repair, clearing cutoffs and settlement finality, ledger break and suspense reconciliation, intraday liquidity, and operational resilience.

ISO 20022SWIFT / FedwireCHIPS / TARGET2camt.053 / pacs.008ISO 27001ISO 42001
Questions it can answer
  • Why did this cross-border payment reject?
  • How do I clear this suspense-ledger break?
  • Will this settlement make the TARGET2 cutoff?
Used by operations, reconciliations, client servicingProof repair traced to the schema, warranted
Your own knowledge

The licensed expert, your institution, and the banker, in one answer

A licensed expert is the backbone, not the whole. It blends with what your institution knows and what an individual is working on, into one governed answer where every fact is attributed to its source and trust tier.

workspace_premium

The licensed expert

The domain partner's authoritative content: frameworks, models, playbooks, and reference data, trust-scored and shipped as dated releases.

Licensed
apartment

Your institution's knowledge

Your credit policy, product shelf, house view, control register, and procedures, brought in once and governed for everyone.

Organisation
folder_shared

The banker's own files

A client file, a deal pack, a working note in a person's private vault, available only to them and never shared without consent.

Personal
Ask the Risk and Compliance expert whether a model can go live, and it answers from SR 11-7 in the licensed layer, checks it against your model risk policy, and reads the validation note in your vault, then issues one Validity Warrant over the whole. Where sources disagree, the more authoritative one wins, and the conflict is shown. When the partner publishes a new release, the licensed layer updates on its own, without disturbing your institutional or personal content.
One answer, three layers, attributed and warranted
Why subscribe

It keeps getting better, on its own.

A subscription is not a document you buy once. Practitioners keep it current, it stays defensible, and it recombines with your own knowledge automatically.

arrow_forwardTalk to us
  • history_edu
    Authored by practitioners

    The standards your field relies on, written by its recognised authorities, not scraped from the open web.

  • update
    Always current

    Re-curated and re-published on a cadence, so you never chase the latest notice or benchmark by hand.

  • verified_user
    Defensible by default

    Every source ranked by authority, every answer carrying a Validity Warrant.

  • merge
    Recombined automatically

    New releases blend in without disturbing your institutional knowledge or anyone's personal files.

  • groups
    One source across every desk

    Everyone draws on the same backbone, so guidance does not vary by who is asked.

  • history
    Pin, replay, roll back

    Dated, versioned releases, so you can reproduce any past answer exactly.

In every release

Value added, every quarter

account_treeFrameworks & crosswalks

Regulation and standards mapped to your controls and policies.

menu_bookCases & precedents

Worked examples, so the expert reasons from how real situations were handled.

datasetRefreshed reference data

Benchmarks, matrices, and registries kept live as the figures move.

descriptionPlaybooks & templates

New manuals, checklists, and clause libraries to apply directly.

notifications_activeRegulatory change tracking

What moved in your jurisdictions, and what it means for you.

model_trainingModel & methodology updates

Revised models, scoring, and validation as practice advances.

Cadence

Updated on a rhythm that fits the domain

Quarterly is the standard release. Faster or slower cadences are available where the field demands it, and source and news monitoring runs continuously underneath them all.

Continuous

Source and news monitoring, always on, surfacing what changed between releases.

Standard
Quarterly

A full, versioned content release every quarter. The right balance for most domains.

Monthly or event-driven

For fast-moving fields such as sanctions and regulatory notices, where waiting a quarter is too long.

Annual

For stable domains that change slowly, where a yearly release keeps the content honest without churn.

Apart or together

License what you need. Compose across the bank when you want.

Each expert is complete on its own. Licensed together, they answer one question that crosses domains, and every answer still shows which expert and which source it drew from.

filter_center_focusApart

Give each team the expert for its domain, on its own access and rules.

  • checkStand up the domain that matters most first, prove the value, then expand.
  • checkEach expert is focused, complete, and governed in isolation.
  • checkWealth for the advisers, Operations for the back office, each kept current on its own.

hubTogether

Compose several experts into one you can ask across the institution.

  • checkA wealth-suitability question that touches Risk and Compliance draws from both experts.
  • checkA trade-finance break draws on Commercial Banking and Operations at once.
  • checkEvery claim is attributed to its expert and source; conflicts resolve by trust tier.
Licensing

How it is licensed and used

On subscription, per expert, and built to grow with you.

workspace_premium

Subscribe to an expert

Each domain expert is licensed annually and includes its content and its assistant, re-curated and re-published on a regular cadence.

group_add

Add seats for your people and agents

A seat is one named person or one AI agent, each with a daily allowance for questions and for the proof it produces.

layers

Bring in your own knowledge bases

Add institutional bases and let each person keep a private vault, all under the same governance as the licensed expert.

hub

Compose the suite

License several experts and combine them into one cross-domain expert, with per-expert attribution preserved on every answer.

api

Reach it from your tools and agents

The same repository powers your applications and copilots through a secure API and an MCP server, under the same rules.

Pricing is tailored to your portfolio and scale. Talk to us for a quote.

Get started

Start with one expert. Grow into the suite.

Choose the domain that matters most today, blend it with your own knowledge, and compose the rest of the bank's experts when you are ready.