Agents are starting to repair payments, triage alerts and change credit limits. TraceMem checks each of their actions against your limits before it runs, and keeps the record a supervisor asks for: who it was for, which limit applied, and who approved it.
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The examiner’s binder
Release of a held payment, €240,000.00, by payment-repair-agent
Illustrative record. Names and figures are made up.
Wherever an agent works in the bank, the supervisor’s question is specific to that desk. The answer comes from the same place every time: the record.
Repairing rejected payments, investigating exceptions, releasing held payments, handling recalls.
“Who released this payment, and was it within their limit?”
The colleague the agent worked for, the limit version that applied, and the treasury approver above it. A retry after a timeout pays once.
Policy and ExceptionsTriaging monitoring alerts, assembling case files, drafting investigation narratives.
“Could anyone customer-facing have seen this case?”
Case data is granted only to agents whose declared purpose is investigation. A servicing agent has no route to it.
Governed Data AccessReviewing limit increases, hardship cases and repayment arrangements.
“Was this decision made solely by a machine?”
Where a person was asked, the record names them and what they answered. Where nobody was, it says that too.
Decision TraceHandling card disputes, complaints and account changes, in chat and in the back office.
“What did the model see about this customer?”
Account numbers, IBANs and card details were tokenized before the prompt left, and restored only for the roles that need them.
PII ProtectionSome of these already apply and some are still coming. None of them can be answered from a record that starts afterwards. An action your agents take today is on file only if something writes it down today.
Dates checked against each regulator’s own publication, September 2026. Not legal advice.
None of these involved an AI agent. Each was an automated system acting inside a financial firm, and each finding came down to a control that was not there before the action, or a record that was not kept after it.
In the first 45 minutes of trading, its router sent more than 4 million orders into the market while trying to fill 212 customer orders.
What it came down to
It did not have adequate safeguards to limit the risks of its access to the market.
For an agent, with TraceMem
Every agent action is checked against your policy before it runs.
Policy and Exceptions2022 · FCA and PRA, 2024
£61.6 million
One input error built a $444 billion basket. $1.4 billion of it was sold across European exchanges by an algorithm.
What it came down to
Hard limits that were missing, and alerts that could be overridden.
For an agent, with TraceMem
Above the limit, an agent cannot proceed. A named person decides.
Policy and Exceptions2012 to 2015 · AUSTRAC, court-approved 2018
A$700 million
Intelligent deposit machines failed to lodge 53,506 threshold transaction reports on time.
What it came down to
An automated channel rolled out without its risk assessed, and reports that were never made.
For an agent, with TraceMem
Every governed action leaves a record, and a control that is switched on but seeing nothing is flagged.
Decision TracePut in your own numbers. The actions your agents take before a governed path is in place can never be recorded afterwards.
21 working days a month. Your numbers stay in your browser.
In 6 months of waiting
100,800
Agent actions with no record of who they were for, which limit applied or who approved them.
Pick whichever is quickest for you. However you get in touch, a person replies. With our forward-deployed engineers, TraceMem can be running inside your network in days.
Talk to us now
45days, free
Free for 45 days on our Docker-based trial image, inside your own network. When you are ready, it upgrades to the full enterprise product.
Forward-deployed engineers, ours or our partners', can set it up in days and help you define policies and integrations. This may be charged separately.