# AI Employees for Finance and Banking | Kognitos > Hire AI employees for finance and banking: 61 roles for AP, reconciliation, cash application, close and KYC. They follow your SOPs and show their work. Source: https://www.kognitos.com/ai-employees/ NewThe most advanced neurosymbolic AI employees # Hire AI employees that follow your SOPs and show their work. Kognitos AI employees for finance and banking are AI agents, each hired into a role with a job description, the SOPs to do it, and clear limits. No SOPs written down? Quill, our builder agent, discovers how the work is done in your systems and writes each SOP in plain English your auditor can read. That same English is what runs, the same way every time: deterministically, on our patented English-as-Code execution engine. When it's unsure, it asks a person. Meet the 61 roles See an SOP run 61roles to hire 515SOPs in the library 0steps invented at run time Same steps, every run Learns your tribal knowledge Every step in plain English Now hiring In short ## What is an AI employee? An AI employee is an AI agent hired into a specific finance or banking role, such as AP Specialist or Reconciliation Accountant, with a job description, written SOPs, and limits on what it can do without approval. Unlike AI agents that decide each step as they go, a Kognitos AI employee runs the same SOP steps every time, shows what it did, and asks a person when it's unsure. ## How is agentic AI used in finance? Agentic AI in finance takes on repeatable work like invoice processing, reconciliation, cash application and the month-end close. The risk is agents that decide each step as they go, which auditors won't accept in production. Kognitos AI employees run approved SOPs instead, and every run has a journal an auditor can read. Recognized by industry leaders 2026 Sample Vendor, Gartner® Hype Cycle™ for AI in Finance & Agentic AI #1 Overall and Exemplary Provider, 2026 ISG Buyers Guide for Automation Hot Tech 2026, HFS Research, for deterministic AI automation MIT Sloan Innovation Winner Most Innovative AI Product, 2026 theCUBEd Awards Gold Winner, Neuro-Symbolic AI Platform, 2026 Globee Awards Why AI pilots stall in the back office ## Other agents improvise. Auditors reject them in production. Most AI agents decide each step as they go. That's fine for drafting an email. It isn't fine for paying an invoice, closing the books or onboarding a customer, where you have to show why something happened and get the same answer tomorrow. ### A typical AI agent Decides each step at run time - 01Read the invoicemodel - 02Decide what to checkmodel - 03Skip the receipt check this timedrift - 04Post to the ERPmodel Same invoice, 8 runs (illustration) ### A Kognitos AI employee Runs the SOP you approved - 01Read the invoicestep 1 - 02Build the fingerprintstep 2 - 03Detect exact and fuzzy duplicatesstep 3 - 04Block, hold or releasestep 6 Same invoice, 8 runs 40% Of enterprises will demote or decommission autonomous AI agents by 2027, because governance gaps surface only after production incidents. Gartner prediction, May 2026 50% Of AI agent deployment failures by 2030 will come from too little governance enforced at run time. Gartner prediction, March 2026 15 Models tested across 18 months of releases. Accuracy rose, but reliability barely moved: the most accurate agents still gave different results from one run to the next. Rabanser, Kapoor et al., Towards a Science of AI Agent Reliability, 2026 How it works ## Hire it like a role. Supervise it like a team member. 01 · Hire ### Pick a role AP Specialist, Close Manager, KYC Analyst. Read its profile, including what it won't do and who it works with, and click Hire. 02 · Onboard ### Discover and build its SOPs Start from the library or from scratch. Quill, our builder agent, studies your systems and recent transactions, checks what it finds against your written policy, and drafts each SOP in plain English for you to approve. Cartographer maps your systems into the context graph it works from. 03 · Supervise ### Set what needs approval Choose, action by action, what it may do on its own and what needs a person first. Exceptions come to your team in plain English. 04 · Audit ### Read every run Each run has a journal: every step in English, every system call, every exception and who resolved it, and the exact SOP version that ran. The catalog ## 61 roles, ready to hire Every role runs a set of the 515 SOPs in the Kognitos library, split along separation-of-duties lines. Open one to see its SOPs and which are ready to run today. ReadySOPs that run from the library once your systems are connected To buildSOPs Quill drafts from the library and your team finishes Don't see the role? Quill builds it from how your team works today. English-as-Code ## Read the SOP. Then read exactly what it did. This is a real SOP from the Kognitos library, run by the AP Specialist. Quill compiles it once into code, and every step of the code maps back to its line of English. Hover a journal entry to see the step it came from, or a step to see what it did. Duplicate invoice detection · SOP · AP Specialistv4 · published by [AP lead] #### Overview Screens an incoming supplier invoice against the AP ledger and recent invoice history to catch duplicates before they reach payment. It fingerprints the invoice on its identifying fields, runs exact and fuzzy duplicate detection against invoices already captured and paid in the ERP, diagnoses why a flagged candidate is or isn't a true duplicate, recommends a disposition, writes the hold or block back to the ERP, and records an evidence trail of the decision. #### Inputs Input Type Default invoice file — company code text — lookback window decimal 365 days amount tolerance decimal 1% fuzzy match threshold decimal 85 auto-block confirmed duplicates text no exception routing text AP exceptions queue #### Steps - 1 Open a duplicate-screening case for the invoice. Create a tracked case for the invoice scoped to the company code, with its state set to SCREENING. - 2 Build the invoice fingerprint and pull the comparison set. Resolve the supplier to its ERP vendor code, normalize the invoice number, and retrieve every invoice for that vendor posted or paid within the lookback window. - 3 Detect exact and fuzzy duplicate candidates. Flag any invoice with the same vendor and normalized number. Score the rest on number, amount within the amount tolerance and date, and flag any at or above the fuzzy match threshold. - 4 Diagnose each flagged candidate. Compare field by field and check its payment status. Tell a true duplicate apart from recurring charges, partial billings and credit memos. - 5 Recommend a disposition. A true duplicate of a posted or paid invoice: block for payment, citing the original document number. - 6 Apply the disposition to the ERP and the case. If auto-block confirmed duplicates is yes, post the payment block; otherwise stage it for an approver. Route anything needing review to the exception routing queue. #### Outputs - A screening verdict with the match type and the original document number it duplicates. - A diagnosis and recommended disposition, with the reason. - A payment block posted to the invoice in the ERP, or a staged block for approval. - A screening report and a notification to the AP team. Run 18,204 · INV-20931 · Acme IndustrialCompleted · 38 s $48,212.50duplicate payment stopped. The same invoice was paid on Sept 28 as document 5105600112. - Opened case DUP-7781 company 1000 · state SCREENING step 1 - Fingerprint built, 214 invoices to compare vendor 100482 · ACME20931 · $48,212.50 · Sep 22 step 2 - 1 exact match found 5105600112 · same vendor + number · EXACT step 3 - Diagnosed TRUE_DUPLICATE amount, PO and lines identical · original paid Sep 28 step 4 - Recommended: block for payment cites original document 5105600112 step 5 - Auto-block is off: staged for approval approved by [J. Rivera] · 10:42 step 6 - Payment block posted, case confirmed erp.post_payment_block · email → AP team step 6 SOP v4 · compiled by Quill7 entries · 5 system calls recorded Same steps, every runCompiled once from the English. Nothing improvises at run time; changing the English publishes a new version. Every system call recordedThe inputs and outputs of each call to the ERP, email or a bank portal, kept with the run. An auditor can re-perform itPick any transaction and walk its journal, step by step, against the SOP version that was live at the time. Neurosymbolic by design ## The most advanced neurosymbolic AI employees They don't hallucinate when they execute a standard operating procedure. Here's exactly where the AI does its thinking, and where it doesn't. What is neurosymbolic AI?. Neural where it helps: understanding language, reading documents, writing SOPs and mapping your systems. Symbolic where it counts: executing SOPs and running checks. At build timeneural ### Quill discovers and writes the SOP QQuill, the Kognitos builder agent Describe the work, start from the library, or let Quill find it: it studies your systems and how recent transactions were handled. Then it writes the SOP in English, compiles it into code, and tests it on your real cases. CCartographer maps your systems into a context graph - You review the SOP and the graph before they're published. - Every change becomes a new version. At run timeneural + symbolic ### It chooses which SOP to run. The SOP runs deterministically. NeuralReads the request and picks one of its published SOPs, or routes it. SymbolicThe English-as-Code engine runs every step exactly as written. - It can only run SOPs you've published and turned on for it. - You decide which actions need approval first. Inside a stepneural, labelled ### It reads what people write Steps like reading an invoice PDF or a customer email use models. They're marked in the SOP, and their results are checked before the next step runs. - Low-confidence fields go to a person. - What it read is kept with the run. What it never does: add a step that isn't in your SOP. When a case doesn't fit, the run pauses and asks. Exceptions ## When it's unsure, it asks. Then it remembers, with your approval. It stops instead of guessing. The run pauses at the exact step, with the data in front of it, and explains the problem in plain English. Your team answers. Fix a value, answer a question, retry, skip or stop. The run continues from where it paused. Fixes are reviewed before they're reused. If the answer should apply next time, it becomes guidance, applied only after an approver signs it off. JR Hold it and email the buyer on the PO. Northline enters service receipts at month end, so this will keep happening. New guidance, pending approval: "For Northline service POs with no goods receipt before month end, hold the invoice and email the buyer." · Approver: [AP manager] Context graphs ## It learns what your systems don't know, and shows you what it learned. Every AI employee comes equipped with a Kognitos context graph, an industry-leading living map of your vendors, bills, payments and accounts, built by Cartographer from the apps you already use. It captures the tribal knowledge that never makes it into a system of record, so your AI employees gain autonomy over time while their operating behavior stays auditable and editable. AP and vendors · context graph · v12CBuilt by Cartographer from SAP, Ramp and Rillet Added by a personSame tax ID. "Supply" is the remit-to name Ramp uses for Acme.[M. Chen] · Oct 2 · merge · source systems unchanged Proposed by CartographerAmount, date and memo match INV-20931. Nothing in Ramp or Rillet links them.confidence 92% · pending review AcceptReject From your systemsAdded by a personProposed by Cartographer ### Tribal knowledge, captured Which two vendor records are one company, which payment settles which bill, which ERP field is simply wrong. People add it to the graph's knowledge layer with a reason; Cartographer proposes links it infers, with the evidence, and a person accepts or rejects each one. Your source systems are never changed. ### Every judgment call, on record When someone clears or confirms a finding, the decision trace keeps who, when and why, with the data as it was that day. When the same issue comes back, last time's reason is right beside it. Dismissed: possible duplicate vendor, Acme Industrial Supply"Same company, different remit-to name. Merged in the graph."[M. Chen] · Oct 2 · data as of Oct 2 · monitor v3 ### Behavior you can audit and edit Everything an AI employee has learned is a reviewable item: an approved piece of guidance, a knowledge-layer entry, a decision trace. Each one shows who added it and why, and any of it can be edited or retracted, with the change versioned. Explore Context Graphs Autonomy, earned ### Fewer runs need a person, because it keeps what your team teaches it. Every approved piece of guidance and every accepted fact in the graph is one less question next time. You decide when an action moves from "ask first" to "act", and that change is versioned too. Runs that needed a person, per 100 · AP Specialist · weeks 1–12 · illustrationguidance or knowledge approved How it compares ## Built for work you have to defend Kognitos AI employees Other AI agents Suite agents (ERP, CRM) RPA What runs Your SOP in English, compiled to code A model choosing each next step A model inside one vendor's system Scripts and selectors Same input, same steps Yes, deterministically Not guaranteed Not guaranteed Yes Who can read the logic Your controller and your auditor Engineers Admins Developers Audit record A journal of each step, mapped to the SOP Traces and tool logs Platform logs Run logs Unexpected cases Pause, ask a person, learn with approval Retries or a coded pause Hand off to a person Fail Tribal knowledge Captured in a context graph, with who added it and why Prompts and chat memory Inside one system Not captured Documents and browsers Built in, both run as code Build it yourself Inside the suite Separate products Who maintains it Your team, in English Your engineers The vendor or an SI An RPA team Patented ## Built on English-as-Code, which we invented Kognitos has been building software that runs plain English since 2020. Two US patents are granted, and more are pending. US 11,972,222 B2 · 2024 ### Natural language programming of a new function or skill Teach a running program a new skill in plain English, without restarting it. Read the patent ↗ US 12,561,133 B2 · 2026 ### Coding interactively without having to restart a procedure Undo a step in a running procedure and continue from there, using versioned memory. Read the patent ↗ 7 applications · pending ### Learning, replay and regression Learning from exceptions, editing a past run and resuming, checking new results against past runs, and building tests from history. Questions ## What finance and risk teams ask us What is an AI employee? An AI employee is an AI agent hired into a specific finance or banking role, such as AP Specialist or Reconciliation Accountant, with a job description, written SOPs, and limits on what it can do without approval. Unlike AI agents that decide each step as they go, a Kognitos AI employee runs the same SOP steps every time, shows what it did, and asks a person when it's unsure. How are AI employees different from AI agents for finance? Most AI agents for finance decide each step as they go, so the same invoice can be handled differently from one run to the next. An AI employee runs the SOP you approved, step by step, the same way every time. Every run has a journal: each step in English, every system call, and the exact SOP version that ran. When a case doesn't fit the SOP, it stops and asks a person instead of improvising. See how agentic AI platforms for finance compare. Which finance and banking processes can AI employees automate? Each role opens its profile, with its SOPs and what it won't do. Finance - AP and invoice processing: AP Specialist (see how to automate accounts payable and 3-way match automation) - Reconciliation: Reconciliation Accountant (see AI platforms for automated reconciliation and automated reconciliation software) - Cash application and collections: Cash Application Specialist (see AI tools for cash application) and Collections Specialist - Month-end close: Close Manager (see the zero-headcount close) - Intercompany: Intercompany Accountant (see intercompany reconciliation) - Treasury: Cash Manager - Tax: Tax Provision Accountant and Indirect Tax Analyst - Payroll: Payroll Specialist - Internal controls and SOX: Internal Controls Analyst (see SOX evidence collection) Banking - KYC and onboarding: KYC & Onboarding Analyst (see KYC automation and KYC and customer due diligence) - Loan processing: Loan Processor & Closer - Card disputes and chargebacks: Card Disputes Analyst - Payments: Payments Operations Specialist - Trade finance: Trade Finance Operations Specialist Banking SOPs are in the library and still to be built with your team. Is an AI employee replacing someone on my team? It takes on defined, repeatable work so your team has capacity for judgment calls, exceptions and analysis. Each role lists the people it works with, and people stay accountable for approvals. What if our SOPs aren't written down? Most teams' aren't, and you don't need to map them first. Quill, the Kognitos builder agent, investigates your connected systems: which tables and fields matter, how they relate, and how recent transactions were settled. It checks what it finds against your written policy, drafts the SOP in plain English, tests it on your real cases, and asks a specific question only when something essential is unclear. You approve the SOP before it runs, and exceptions keep teaching it after that. What does "neurosymbolic" mean here? Language models (the neural part) understand requests, read documents and help Quill write SOPs. The English-as-Code engine (the symbolic part) executes each SOP step exactly as written. The model chooses which SOP to run; it never decides what the SOP does. What does the context graph do for an AI employee? It gives the employee the business context its SOPs work on: your vendors, bills, payments and accounts, how they connect across systems, and what your team knows that the systems don't. When the employee learns something, it's proposed to the graph and a person accepts it, so what it knows is always reviewable. Every decision on a finding is kept with its reason and the data as it was that day. Learn about Context Graphs. Can it approve its own work or release a payment on its own? Roles are split along separation-of-duties lines, and you choose for each action whether it may act or must ask first. Payment release and journal approval stay with a person unless you decide otherwise. How do I audit what it did? Each run has a journal: the request, each step in English, the inputs and outputs of every system call, any exceptions and who resolved them, and the exact SOP version that ran. Which systems does it work with? ERPs, banks, document stores and collaboration tools through Kognitos integrations [list and count to confirm], plus browser automation for systems without an API. Your team can add integrations with the Kognitos Book Development Kit. Is my data safe? Kognitos is SOC 2 Type II and ISO 27001 certified and HIPAA compliant, runs on AWS with EU and APAC residency options, and doesn't train shared models on your data. ## Make your first hire. Start with one role. Quill discovers and builds its SOPs with your team, on your real cases. Book a demo Browse the roles Benchmarks and analyst figures are cited from public sources; customer metrics and logos will be added once approved. The run shown is illustrative. ## The roles 61 AI employee roles. "SOPs ready" counts the SOPs in the library that run today; the rest are still to build. ### Finance & Accounting #### Controllership - **Finance Master Data Specialist**: Keeps the chart of accounts, cost centers, entities and FX rate tables clean, governed and mapped. Also called: GL data steward, master data analyst. Won't: Post journals, change balances or release payments. (8 SOPs, 5 ready.) - **General Ledger Accountant**: Prepares manual, recurring, accrual and correcting journal entries and watches sub-ledger postings into the GL. Also called: Staff accountant, GL accountant. Won't: Approve its own journal entries. (7 SOPs, 7 ready.) - **Close Manager**: Runs the close calendar, approves journals, reviews the trial balance and flux, and locks the period. Also called: Accounting manager, assistant controller. Won't: Prepare the entries it approves. (9 SOPs, 8 ready.) - **Reconciliation Accountant**: Reconciles bank, sub-ledger, suspense and balance sheet accounts and certifies them each period. Also called: Account reconciliation analyst, senior accountant. Won't: Post corrections to the ledgers it reconciles. (6 SOPs, 6 ready.) - **Intercompany Accountant**: Records, matches and nets intercompany transactions and books transfer pricing true-ups. Also called: Intercompany analyst. Won't: Move settlement cash. (4 SOPs, 3 ready.) - **Consolidation Accountant**: Collects subsidiary results, translates currencies and runs eliminations to produce consolidated numbers. Also called: Consolidation & FX accountant, group reporting accountant. Won't: Change subsidiaries' books. (9 SOPs, 9 ready.) - **Fixed Asset Accountant**: Owns the asset register end to end: capitalization, depreciation, leases, CIP, impairment and disposals. Also called: Fixed asset & lease accountant. Won't: Count physical assets; custodians do that. (12 SOPs, 9 ready.) - **Cost Accountant**: Maintains cost allocations, overhead absorption and inventory valuation, and analyzes cost and spend. Also called: Inventory & cost accountant. Won't: Approve the postings its allocations produce. (4 SOPs, 4 ready.) - **Technical Accounting Manager**: Writes accounting policy and memos, and decides revenue, hedge, equity-method and purchase accounting. Also called: Accounting policy manager, revenue accountant. Won't: Post the entries its conclusions call for. (7 SOPs, 2 ready.) - **External Reporting Accountant**: Prepares financial statements, footnotes, SEC, statutory, regulatory and ESG filings from the locked ledger. Also called: SEC reporting manager, statutory reporting accountant. Won't: Post journals after the period is locked. (9 SOPs, 7 ready.) - **Internal Controls Analyst**: Tests controls, tracks deficiencies, monitors segregation of duties and supports internal and external audit. Also called: SOX analyst, audit liaison. Won't: Test a control it operates. (6 SOPs, 4 ready.) - **Finance Systems Analyst**: Maintains ERP and planning configuration, user access, interfaces, and reporting and planning templates. Also called: ERP / EPM administrator. Won't: Hold transactional access, or review the access it granted. (6 SOPs, 4 ready.) #### Procure-to-Pay - **Vendor Master Data Specialist**: Onboards and maintains suppliers, verifies bank details, screens for fraud and collects W-9/W-8 forms. Also called: Supplier onboarding specialist. Won't: Process invoices or release payments. (4 SOPs, 4 ready.) - **Procurement Specialist**: Turns approved requisitions into purchase orders, manages PO changes and captures goods receipts. Also called: Purchasing agent, buyer. Won't: Approve invoices or make payments. (4 SOPs, 3 ready.) - **AP Specialist**: Takes invoices from intake to approval: capture, extraction, coding, matching, exceptions and routing. Also called: AP clerk, invoice processor. Won't: Edit vendor details or release payments. (11 SOPs, 11 ready.) - **AP Analyst**: Clears GR/IR and accruals, reconciles vendor statements, and analyzes AP aging and DPO. Also called: AP accountant. Won't: Release payments. (4 SOPs, 4 ready.) - **AP Payments Specialist**: Builds payment runs, generates bank files, takes early-pay discounts and sends remittance advice. Also called: Disbursements specialist. Won't: Approve the invoices it pays, or change vendor bank details. (4 SOPs, 4 ready.) - **T&E Auditor**: Audits expense reports and receipts against policy and reconciles corporate card transactions. Also called: Expense report auditor. Won't: Pay out reimbursements. (3 SOPs, 3 ready.) #### Order-to-Cash - **Credit Analyst**: Onboards customers, scores credit applications, and sets and monitors credit limits. Also called: Credit manager. Won't: Work to sales or collection targets. (3 SOPs, 3 ready.) - **Order Management Specialist**: Validates sales orders, pricing and terms, and hands clean orders to fulfillment. Also called: Sales order administrator, order-to-cash specialist. Won't: Set customer credit limits. (3 SOPs, 3 ready.) - **Billing Specialist**: Issues invoices, runs recurring and usage billing, processes credit memos and sends e-invoices. Also called: Billing analyst, invoicing specialist. Won't: Apply cash or adjust AR balances. (4 SOPs, 4 ready.) - **Cash Application Specialist**: Ingests remittances, matches payments to invoices, and resolves unapplied and on-account cash. Also called: Cash applications analyst. Won't: Bill customers or adjust AR balances. (3 SOPs, 3 ready.) - **Collections Specialist**: Prioritizes past-due accounts, runs dunning, manages disputes and deductions, and tracks promises to pay. Also called: Collector, collections analyst. Won't: Approve write-offs or credit memos. (4 SOPs, 4 ready.) - **AR Analyst**: Estimates bad-debt allowances, analyzes AR aging and DSO, and feeds the cash forecast. Also called: AR accountant. Won't: Approve write-offs. (3 SOPs, 3 ready.) #### Treasury - **Cash Manager**: Positions cash daily, imports bank statements, runs sweeps, and forecasts short-term liquidity. Also called: Treasury analyst (cash & liquidity). Won't: Execute payments. (6 SOPs, 5 ready.) - **Treasury Operations Analyst**: Manages bank accounts and signatories, bank fees and connectivity, debt, investments and covenants. Also called: Treasury analyst, bank relations analyst. Won't: Execute payments. (6 SOPs, 2 ready.) - **Treasury Payments Specialist**: Executes treasury payments, settles intercompany netting, and screens payments for fraud and sanctions. Also called: Treasury operations specialist. Won't: Change bank mandates or signatories. (3 SOPs, 3 ready.) - **Treasury Risk Analyst**: Measures FX and interest-rate exposure, and executes and documents hedges within policy. Also called: FX & hedging analyst. Won't: Decide hedge accounting. (3 SOPs, 1 ready.) #### FP&A - **FP&A Analyst**: Builds budgets, rolling and driver-based forecasts, long-range scenarios and capital plans. Also called: Financial planning analyst, budget analyst. Won't: Write to actuals. (9 SOPs, 6 ready.) - **Business Performance Analyst**: Produces the management P&L, KPI dashboards and board pack, and explains variances and profitability. Also called: Management reporting analyst, finance business partner. Won't: Change the ledger. (8 SOPs, 7 ready.) #### Tax - **Tax Provision Accountant**: Calculates current and deferred tax, the effective tax rate and uncertain positions, and writes the tax footnote. Also called: Income tax accountant (ASC 740 / IAS 12). Won't: Review a provision against a return it prepared. (6 SOPs, 4 ready.) - **Direct Tax Analyst**: Prepares corporate income tax returns, estimated payments, tax data packages and transfer pricing files. Also called: Corporate income tax analyst, transfer pricing analyst. Won't: File a return without tax manager sign-off. (7 SOPs, 6 ready.) - **Indirect Tax Analyst**: Determines sales, use and VAT, prepares and files indirect tax returns, and manages exemption certificates. Also called: Sales & use / VAT / GST analyst. Won't: File a return without tax manager sign-off. (7 SOPs, 6 ready.) - **Tax Operations Analyst**: Runs the tax calendar, handles notices and audit data, and owns withholding and 1099/1042 reporting. Also called: Tax compliance coordinator, information reporting analyst. Won't: Release tax remittances. (7 SOPs, 6 ready.) #### Payroll - **Payroll Specialist**: Captures time and pay changes, calculates gross-to-net, payroll tax and garnishments, and issues payslips. Also called: Payroll administrator. Won't: Fund or release the pay run. (10 SOPs, 10 ready.) - **Payroll Accountant**: Funds and releases the pay run, remits payroll tax, posts payroll to the GL and reconciles it. Also called: Payroll analyst. Won't: Change pay data, or release a run it calculated. (6 SOPs, 6 ready.) ### Banking #### Retail & Deposits - **Retail Banking Associate**: Opens, closes and services retail current and savings accounts and handles cash withdrawals. Also called: New accounts representative, personal banker, teller. Won't: Open accounts for customers KYC hasn't cleared. (9 SOPs, 0 ready.) - **Deposit Operations Specialist**: Books deposits, accrues interest, and runs the term deposit lifecycle for retail and corporate customers. Also called: Deposit operations, term deposit operations. Won't: Act without a captured customer instruction. (27 SOPs, 0 ready.) #### Lending - **Consumer Loan Officer**: Takes and qualifies applications for mortgage, personal, renewal, merchandising and BNPL loans. Also called: Mortgage loan officer, consumer lender. Won't: Approve credit. (7 SOPs, 0 ready.) - **Consumer Credit Underwriter**: Underwrites mortgage, personal, renewal, merchandising and BNPL credit within policy. Also called: Mortgage underwriter, credit underwriter. Won't: Originate or sell the loans it decides. (5 SOPs, 0 ready.) - **Loan Processor & Closer**: Processes, closes and funds consumer loans: collateral, insurance, title, closing and disbursement. Also called: Mortgage processor, loan closer, funder. Won't: Close or fund a loan without credit approval. (15 SOPs, 0 ready.) - **Loan Servicing Specialist**: Collects instalments, books loan payments, handles payoffs and reports to investors. Also called: Loan operations specialist. Won't: Originate loans or change credit terms. (8 SOPs, 0 ready.) - **Commercial Credit Analyst**: Underwrites corporate, syndicated and trade finance credit and monitors borrower financials. Also called: Corporate credit underwriter. Won't: Bring in deals or manage the client relationship. (10 SOPs, 0 ready.) - **Commercial Loan Operations Specialist**: Closes, funds and services corporate and syndicated loans, including agency and participations. Also called: Loan agency officer, syndicated loan operations. Won't: Approve credit. (23 SOPs, 0 ready.) - **Debt Capital Markets Associate**: Structures syndications, securitizations and commercial paper, from mandate to distribution. Also called: Syndications / securitization associate. Won't: Approve credit. (10 SOPs, 0 ready.) #### Corporate Banking - **Corporate Account Services Specialist**: Opens, maintains, blocks and closes corporate current accounts, signatories and debit card services. Also called: Client service officer, corporate banking operations. Won't: Release payments. (23 SOPs, 0 ready.) - **Cash Management Services Specialist**: Sets up sweeps, notional pools, virtual accounts and corporate payroll services. Also called: Treasury management implementation specialist. Won't: Approve credit for intercompany loans or overdrafts. (20 SOPs, 0 ready.) - **Trade Finance Operations Specialist**: Issues and settles letters of credit and guarantees, checks shipping documents, and closes trade loans. Also called: Documentary credits / guarantees operations. Won't: Approve credit or go past approved limits. (21 SOPs, 0 ready.) #### Payments - **Payments Operations Specialist**: Executes credit transfers and SWIFT payments, handles request-to-pay, and runs standing orders. Also called: Wire / ACH operations, payments processor. Won't: Authorize its own payments above the second-line threshold. (20 SOPs, 0 ready.) - **Direct Debit Operations Specialist**: Processes direct debit collections, refunds and reversals, and maintains B2B and SEPA mandates. Also called: Mandate management, SEPA direct debit operations. Won't: Collect without a valid mandate. (23 SOPs, 0 ready.) #### Cards - **Card Services Specialist**: Sets up, activates, blocks, replaces and renews cards, and handles card billing and repayments. Also called: Card operations. Won't: Decide disputes or work collections. (10 SOPs, 0 ready.) - **Card Disputes Analyst**: Handles issuer and acquirer chargebacks, information requests, and non-chargeback card disputes. Also called: Chargeback analyst. Won't: Service the cards it rules on. (4 SOPs, 0 ready.) - **Card Collections Specialist**: Reviews card delinquency, works card collections, and reviews collection actions. Also called: Card collector, recoveries specialist. Won't: Approve write-offs. (3 SOPs, 0 ready.) #### Relationship & Sales - **Relationship Manager**: Plans client relationships, finds opportunities, and takes in loan, credit and pricing requests. Also called: Commercial banker, corporate RM. Won't: Approve credit or clear KYC. (11 SOPs, 0 ready.) - **KYC & Onboarding Analyst**: Verifies customers, runs CDD, KYC and other regulatory checks, and clears onboarding. Also called: Client onboarding analyst, CDD / AML analyst. Won't: Sell to the customers it clears. (9 SOPs, 0 ready.) - **Campaign Marketing Manager**: Plans and runs internal, external, retention and upsell campaigns and measures their performance. Also called: Bank marketing manager. Won't: Decide product eligibility. (9 SOPs, 0 ready.) - **Customer Insights Analyst**: Analyzes competitors, segments, product portfolios and behaviour models, and reports customer insights. Also called: Marketing analyst, segment analyst. Won't: Change customer data. (6 SOPs, 0 ready.) #### Channels & Service - **Customer Service Representative**: Opens relationship cases, handles product support and failed self-service, and updates eligibility. Also called: Contact center agent. Won't: Maintain accounts. (6 SOPs, 0 ready.) - **Channel Operations Manager**: Staffs the contact center, manages branch cash and ATMs, and reviews channel performance. Also called: Branch & contact center operations manager. Won't: Access customer accounts. (8 SOPs, 0 ready.) #### Wealth - **Wealth Advisor**: Builds investment plans, selects products, reviews performance and rebalances portfolios. Also called: Financial advisor, portfolio manager. Won't: Settle trades, or recommend outside a client's risk profile. (6 SOPs, 0 ready.) #### Product - **Banking Product Manager**: Designs, bundles, launches, changes and phases out banking products. Also called: Product & pricing manager. Won't: Launch without risk and compliance approval. (7 SOPs, 0 ready.)