AI in Banking: Fast Enough for Ops, Safe Enough for the Regulator.

The work is ready. The approval isn’t.

KYC refreshes, loan document reviews, payment exceptions, reconciliations, disputes: high volume, rules-heavy, and still mostly manual.

What stops AI isn’t the technology. It’s the question every model risk team asks: can you show us exactly why it made that decision?

AI inside the bank, without the black box

In this session, Binny Gill, Founder and CEO of Kognitos, shows what it takes to run AI inside a bank’s operations without creating a black box.

• AI agents follow your policies, written in plain English.
• Uncertain cases go to a person, not a guess.
• Every action leaves a record your auditors and examiners can actually read.

You’ll see real banking workflows, the controls that make them defensible, and where teams should start.

The three questions your examiner will ask

When AI starts touching banking operations, three questions come up fast:

• What made this decision, and on what policy?
• Can you reproduce it six months from now?
• Who approved it before it went live?

Most AI tools struggle with all three, which is why pilots stall. The session shows how to answer each one on real workflows.

In 45 minutes, you’ll walk away knowing

• Which banking operations are ready for AI now, and which aren’t yet
• How to give model risk and compliance the explainability they need from day one
• What “human in the loop” should look like, so it doesn’t turn into a bottleneck
• A practical first workflow you can pilot this quarter

Your speaker

Binny Gill

Founder and CEO, Kognitos

Who should attend

Heads of banking operations, COOs, risk and compliance leaders, and transformation teams at banks and credit unions.

Read ahead

New to the topic? Start with our guide to AI in banking, then see how KYC automation and loan automation work in practice. For what examiners expect from a record, read our AI audit trail requirements checklist and the NIST AI Risk Management Framework guide.

Common questions about this session