Research into two-party agentic delivery
AML, KYC, investigation quality, escalation, and retained financial-crime workload.
AAO-084 / Economics and Value
Financial-crime managers should measure whether an outsourced agent reduces the total investigation burden or moves it to bank staff. The comparison must include returned cases, review quality, unresolved alerts, rework, and the evidence needed for an authorized decision.
AAO-052 / Assurance and Audit
Bank onboarding managers should preserve source evidence, uncertainty, and human correction when agents transfer KYC work to analysts. A completed summary is not sufficient if the analyst cannot establish which customer facts support the proposed decision.
AAO-043 / Assurance and Audit
Bank boards should require evidence that outsourced AML cases are resolved through supported judgment and authorized action. Faster closure is not a sufficient measure when source evidence, reasoning, human corrections, or escalation decisions cannot be reconstructed.