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Banking operations automation for cards, lending and accounts

Disputes, limit reviews, credit file checks and account closures all run on written procedures. Verkflo turns them into agents that prepare each case and hand it to the analyst or underwriter who signs off.

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Works with

  • Core banking · via Custom REST
  • Card processor · via Custom REST
  • Loan origination · via Custom REST

and any system with an API via Custom REST

What Verkflo does in banking operations

Back-office teams spend much of the day assembling cases: pulling the transaction, the credit file, the application form and the account history into one place before anyone can decide. That assembly is the part a Verkflo agent does. It follows the steps of your procedure, applies your policy rules as CEL conditions and writes a summary for the person who owns the decision.

Core banking, card processing and loan origination systems connect through Custom REST when they expose an API. The agent reads the data the case needs, and the rules in your procedure choose what happens next.

Who does what in banking operations

  • The procedure

    Your operations procedures set the evidence a dispute needs, the limits your credit policy gives analysts, the documents a loan file must hold and the checks before an account closes.

  • What the agent does

    • Gathers the cardholder claim and transaction data for a dispute

    • Compares a credit application with the credit file and flags differences

    • Checks a loan application against your document checklist

    • Lists holds, open items and alerts before an account closes

  • What your team decides

    • Dispute outcomes and any credit to the cardholder under your policy

    • Limit increases outside the limits your policy sets for analysts

    • Credit decisions on a completed file

    • Whether an account closes and what the customer is told

Banking operations procedures you can run today

Card, lending and account work, each with example runs.

Complaints and closures across teams

Two procedures cut across departments. Complaints triage reads each complaint as it arrives, tags it with your categories and routes the sensitive ones to a named handler. Account closure review checks holds and open alerts first, so a closure waits while an alert on the account is still open.

Fintechs running similar work with a smaller team can start from fintech operations automation. Financial crime casework is on compliance operations automation.

Controls your auditors will ask about

These controls apply to each agent you build. Sample data

Banking operations questions

Can it connect to our core banking system?

If the system has an API, yes, through Custom REST. The credentials are stored as a vault reference, and each call is recorded against the run.

Does the agent approve credit or refund disputes?

Those decisions stay with your analysts and underwriters. The agent prepares the case, applies the limits in your policy and marks anything outside them for a person.

How do we roll out a change to a procedure?

Edit a draft, run the eval scenarios in the sandbox and publish when they pass. Earlier versions stay readable alongside the runs that used them.

Bring a back-office procedure

Pick a dispute, limit review or closure checklist and we'll show it running as an agent in a demo.

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