Madison for Retail Banking
Your bankers, with the follow-through of a thousand.
Madison watches the signals already in your data — the stopped direct deposit, the maturing CD, the competitor loan payment — prepares the work your team never has time for, and completes the follow-through.
Your bankers always in the lead.
- 60–90d
- First agent in production
- Per outcome
- Pricing
- None
- Data prerequisites
Maria's payroll deposit stopped two Fridays ago, after four years. Drain velocity puts the window at about three weeks. Retention play attached — suitability logged, fair value documented — with a suggested opening line.
The problem you already know
The signals are in your data.The follow-through never happens.
Your bankers spend the day reconciling systems and writing things up, and the signals decay before anyone can act. Cross-sell becomes what a banker does when the queue is empty. The queue is never empty.
None of this is a data problem. Every one of these events is visible in data you already own.
How the workbench works
One inbox in front. A continuous loop behind it.
Every retail banker gets a single surface — one inbox of live opportunities, each arriving pre-researched, pre-qualified, and compliance-checked. Behind it, specialized agents run a continuous loop over your existing systems.
Watch the data you already own.
Agents monitor your core, digital banking, and interaction data continuously — no data-warehouse project required. They work with your data as it is.
Pass the genuine-need test.
Is this right for this customer, at fair value, right now? The rationale is logged, every time.
Arrive as a one-page brief.
Context, why-now, talking points, pre-qualified terms. Routine digital moments can execute directly, within limits you set.
Finish the job on a yes.
Account opened from KYC on file, direct deposit switched, documents chased, CRM notes written. Nothing dies in a queue.
Sharpen with every outcome.
Detection improves, and managers get a live view of the pipeline — including which opportunities are about to expire untouched.
Where the workbench fits
Not a platform program.Not a pilot that never ends.
One agent, one measurable outcome, live in production — connected to your core and digital banking systems as they are. Your data doesn't need to be ready. It needs to be yours.
The flagship agents
Six agents. Each owns a moment your reports can't see.
We start where your money is leaking fastest — for most institutions, that's Deposit Defense.
Deposit Defense
Sees the silent attrition your reports can't and acts inside the window: a personalized, compliance-checked retention play, with high-value saves escalated to your bankers with full context and a suggested opening line.
Onboarding Rescue & 60-Day Primacy
Catches abandoning applicants in real time, clears resolvable verification exceptions in minutes, and re-engages before they're gone — then runs the first 60 days as a managed journey, the window in which primacy is won or lost.
Life-Event Cross-Sell
Reads the signals your customers are already sending and turns each into a fitted, fair-value-documented conversation for your banker — or a compliant digital offer where that's what the customer prefers.
Maturity & Rate-Watch
Every CD maturity, promo roll-off, and loan payoff, worked ahead of the customer's shopping window — renew, upgrade, or consolidate options priced within your treasury's bounds. Finally handled like the revenue moment it is.
Business-Banking Graduation
Finds the businesses hiding inside your retail accounts and hands your business banker a pre-assembled file and a warm introduction — from relationships you already hold.
The Banker's Day, Returned
A pre-meeting brief for every appointment, live product knowledge with citations during every conversation, and automatic notes, follow-ups, and referral tracking after it. The hours your team spends on five systems come back as customer time.
Governance
Governance isn't a feature. It's the foundation.
Everything the agents do is examinable by design, because we build for regulated institutions first.
A genuine-need gate on every offer
No action reaches a customer without a logged suitability and fair-value rationale — your evidence under Consumer Duty, UDAAP expectations, and the EU AI Act, generated automatically.
Your autonomy dial
Every agent runs at the level you set — from “brief my banker” to “act within these bounds and show me the log.” Vulnerable customers, complaints, and high-value decisions always route to a human. Always.
A replayable audit trail
Every decision, approval, and outcome in an append-only log; examiner documentation packs assembled on demand, not the week before the exam.
Conduct protection built in
Continuous monitoring for sales-practice risk patterns — structurally designed to make the next Wells Fargo–style failure impossible, not just unlikely.
Our goal is simple: your compliance officer should be this product's biggest champion.
Request the governance packHow an engagement works
One agent. One number.Sixty to ninety days.
We start where your money is leaking fastest and publish the measurement methodology up front.
- 0160–90 days to productionFixed scopeOne agent, one measurable outcome, live in production. Most institutions start with Deposit Defense.
- 02Pay for the number that movesOutcome-meteredPer deposit dollar saved, per activated account, per product added. If it doesn't move the number, you don't pay for the number.
- 03Your data, as it isNo prerequisitesWe connect to your core and digital banking systems as they are and do the enrichment ourselves. Your data doesn't need to be ready. It needs to be yours.
- 04Expand as results come inOn evidenceEach agent you add shares the same customer state, signals, and audit spine — the workbench assembles itself as the results come in.
FAQ
The six questions your compliance officer will ask.
The ask
Bring one month of your own numbers.
A 45-minute working session with your retail and compliance leadership, and a look at one month of your attrition or onboarding data. We'll show you exactly what the agents would have caught.
- 45 minutes with your retail and compliance leadership
- A read of one month of your real attrition or onboarding numbers
- Exactly what the agents would have caught — line by line
- A fixed 60–90 day scope for your first agent