Ramkumar Venkataraman
CTO & Co-Founder
34 articles
NYDFS Part 500 and the AI Cybersecurity Letter: What New York-Regulated Institutions Have to Build
New York's Part 500 is fully phased in and its October 2024 AI guidance tells covered entities how to apply it to AI risk. The controls that matter for an AI agent: phishing-resistant authentication, privileged access on the model store, AI vendor diligence, and data minimization.
AI Agents for BSA/AML: SAR Narratives, Transaction Monitoring Tuning, and the New Examiner Bar
How banks and credit unions can use AI agents inside BSA/AML programs — covering SAR narrative drafting, alert triage, transaction monitoring tuning, and the FinCEN and FFIEC controls examiners expect to see.
Third-Party Risk Management for AI Vendors: An Interagency TPRM Playbook for Banks
How banks should run TPRM for AI vendors under the 2023 interagency guidance (SR 23-4, OCC Bulletin 2023-17, FDIC FIL-29-2023) — covering the diligence pack, contract terms, ongoing monitoring, and concentration risk.
Model Risk Management for AI Agents: An SR 11-7 and NIST AI RMF Playbook
How banks and regulated lenders should govern AI agents under SR 11-7, OCC Bulletin 2011-12, and the NIST AI Risk Management Framework — covering inventory, validation, ongoing monitoring, and challenger models.
Preventing AI Hallucinations in Bank Customer Service: A Grounding and Citation Architecture
How regulated banks can architect AI agents that do not hallucinate — covering retrieval grounding, citation enforcement, confidence gating, and the eval harness needed to keep policy-true answers in production.
AI Claims Processing for Regulated Insurers: A Hands-On Field Guide
How regulated insurers can deploy policy-aware AI agents for FNOL, triage, documentation, fraud signaling, and subrogation — with audit trails and compliance guardrails.
From Bot to Banker: AI-to-Human Handoffs for Regulated Financial Institutions
How to build AI-to-human handoff experiences that are fast, compliant, and human-ready — for banks, lenders, servicers, credit unions, and insurers.
Building a Finance-Grade AI Assistant for Mortgage Loan Queries
How to build a policy-aware, multimodal AI assistant for mortgage queries — with consent handling, disclosure tracking, guideline-grounded answers, and audit-ready architecture.
From Dial Tone to Decision: A Hands-On Guide to Deploying Voice AI in Regulated Finance
A step-by-step guide to deploying voice AI agents in regulated finance — from pilot to production — covering disclosures, consent, PCI, audit trails, and integration with your LOS/CRM/CCaaS stack.
Voice AI for Loan Collections: A Hands-On Playbook for Regulated Lenders
A field guide covering architecture, modules, metrics, and rollout plans for deploying compliant voice AI in loan collections — built for banks, mortgage lenders, and credit unions.
A Practical Playbook to Deploy Voice AI for Debt Collection in Regulated Finance
How banks, non-bank lenders, mortgage servicers, and licensed collection agencies can deploy voice AI for collections — with FDCPA/Reg F compliance, QA coverage, and system integration.
The Real Math of Voice Automation: Legacy IVR vs. Voice AI Agents
A quantitative comparison of legacy IVR and voice AI agents in regulated finance — covering containment rates, cost per call, TCO, and break-even timelines.
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