Skip to content

Madison for Retail Banking · Workflows

From signal, to done.

The workbench is not a set of disconnected bots. It is one operating loop — Sense → Judge → Engage → Execute → Learn — with a governance spine through every step. Agents are specialists stationed along the loop; they hand each other structured work items, never raw guesses.

One inbox of live revenue moments — pre-researched, pre-qualified, compliance-gated, one click from done.

Book a working sessionFollow a banker's day
39
Agent concepts, six pods
9
Workflow blueprints
L0–L4
Autonomy, set per agent
Workflow run · Life-Event Cross-SellIn progress
SenseCompetitor auto-loan payment detected · window scored
JudgeGenuine-need test passed · rationale logged
EngageOne-page brief → J. Whitfield, 9:10 walk-in
BankerConversation in progress · refi pre-qualified
ExecuteOpen from KYC on file · switch direct deposit
LearnOutcome feeds detection · pipeline updated
Every step: logged · replayable · examinable
The autonomy ladder

Every agent ships at a default rung — promote or demote any agent per policy. Autonomy is a configuration, not an architecture change.

L0
Observe & draft
L1
Brief the banker
L2
Act with approval
L3
Act within bounds
L4
Autonomous, logged

Four blueprints, end to end

Watch a signal become a completed action.

Each workflow below is a real blueprint from the Madison catalog: which agent acts at each step, at what autonomy, and exactly where your banker is in the loop. The highlighted rows are the moments a human leads.

01The core ask

The Life-Event Cross-Sell Loop

Act on a product need inside the window it's live. 58% of customers who bought elsewhere last year were on the bank's own transaction data first.

Why it wins

Detection-only tools have produced 7× response lifts. This closes the half of the loop — execution — that they leave open.

  1. 1.
    Signal Sentinel
    L4

    A competitor mortgage payment starts, a payroll raise lands, a $40k balance sits idle. Urgency and decay window scored; written to the Signal Ledger.

  2. 2.
    Wallet-Gap Mapper + Readiness Underwriter
    L4

    Household context attached — what's held elsewhere, what the customer pre-qualifies for today, at what terms. The offer math is done before any human looks.

  3. 3.
    Fit Gate
    L4

    The genuine-need test: right for this customer, at fair value, right now? Fail parks the signal with a logged reason. Pass proceeds.

  4. 4.
    Capacity Router
    L3

    Channel chosen by value and preference — high-value moments to a banker as a briefed task; simple, digital-first moments to an in-app offer.

  5. 5.
    Your banker
    L1

    A one-page brief in the inbox: context, why-now, talking points, objections, pre-qualified terms. One click opens the script and the application.

  6. 6.
    Opening Concierge
    L2–L4

    On a yes, the account opens in minutes from KYC on file; funding, sweep, or direct-deposit switch executes within pre-authorized bounds.

  7. 7.
    Scribe + Action Log
    L3

    CRM updated, follow-ups created, fair-value rationale archived. The outcome — accepted, declined, ignored — tunes detection.

Measured by: Products added per household · signal→action latency · offer acceptance · % signals expired unactioned
02Land here

Deposit Defense — the Silent-Attrition Win-Back

See the ~90% of deposit attrition reporting misses, and own the win-back nobody owns. An institution leaking 10% of an $800M book has an $80M-a-year problem.

Why it wins

The sharpest named pain in banking — deposit growth — with essentially no community-FI incumbent, and outcome reporting the CFO can audit.

  1. 1.
    Deposit Defense
    L4

    A per-account watch on direct-deposit loss, recurring transfers out, drain velocity, and fintech sweep destinations. Soft-switching risk scored daily.

  2. 2.
    Risk triage
    L4

    Saves segmented by balance value and cause — rate-seeking, service failure, or life change. Each gets a different play.

  3. 3.
    Fit Gate + Offer Composer
    L2

    The retention action composed within CFO-set bounds — rate match, product bundle, fee relief, or a conversation — with fair value logged.

  4. 4.
    Your banker
    L2

    High-value saves arrive as a full context brief with a suggested opening line. Lower balances execute digitally, within the bounds you set.

  5. 5.
    DD-Switch Concierge
    L4

    When the save lands, primacy is re-anchored — one-tap direct-deposit re-switch and bill-pay migration.

  6. 6.
    Learn
    L3

    Every save and loss trains the risk model. The CFO dashboard reports deposits saved versus leaked.

Measured by: Deposit dollars retained · save rate by segment · detection lead-time · cost per save (5–7× cheaper than acquisition)
03Fastest proof

Onboarding Rescue & 60-Day Primacy

Stop forfeiting thousands of accounts a year to abandonment, and convert opened accounts into primary relationships inside the decisive first 60 days.

Why it wins

The fastest measurable proof — weeks, not quarters — and it feeds every other workflow with activated customers.

  1. 1.
    Onboarding Rescue
    L4

    Stall and abandon events detected in the application funnel in real time — 60% happen at identity verification.

  2. 2.
    KYC Exception Resolver
    L4

    Resolvable exceptions — document retries, data mismatches — cleared automatically. True failures packaged for human review in minutes, not days.

  3. 3.
    Re-engagement
    L3

    The applicant resumed across SMS, email, and voice with a saved application and a human-help option. Contact frequency fit-gated.

  4. 4.
    Primacy Journey Manager
    L3

    On opening, the 60-day sequence runs — direct deposit, card activation, bill pay, alerts — personalized by observed behavior, not a fixed drip.

  5. 5.
    Activation Sentinel → your banker
    L1

    Never-funded and never-activated accounts — a 40% baseline — flagged for a save nudge or a banker call.

  6. 6.
    Scribe
    L3

    The full journey logged; activation lift reported per cohort. Engaged customers hand off to the cross-sell loop.

Measured by: Rescued applications · activation rate · direct-deposit capture in 60 days · 90-day retention
04Most predictable

Maturity & Rate-Watch Retention

The CD maturity, promo roll-off, or final loan payment is the most predictable churn-or-cross-sell moment in banking — and most institutions handle it with a monthly report and a mail merge.

Why it wins

Uses data every core already exposes; the manual workaround — maturity reports — proves the demand.

  1. 1.
    Maturity & Rate-Watch
    L4

    A rolling 90/30/7-day horizon on every maturing instrument and roll-off, enriched with the customer's rate sensitivity and wallet context.

  2. 2.
    Strategy select
    L2

    Renew, upgrade, ladder, or consolidate-from-competitor options — priced within your treasury's bounds.

  3. 3.
    Your banker
    L2

    Large balances arrive as a banker brief; small balances go digital-first. A payoff triggers a graduation conversation — freed cash flow toward an investment, a HELOC, or a savings goal.

  4. 4.
    Learn
    L3

    Renewals and defections sharpen the rate-sensitivity model. Treasury gets repricing intelligence as a by-product.

Measured by: Renewal rate · balance retained at maturity · upgrade rate · margin vs. rate-match cost

The journey, lived

One banker's Tuesday.

The same workflows, seen from the chair they were built for.

8:45

The huddle

Three appointments, briefs attached. Six live signals ranked by window decay. Two maturities over $100k this week. One integrity-clear notice.

9:10

The walk-in

A competitor auto-loan payment signal is active; the banker raises it naturally. The refi is already pre-qualified. Account opened in 11 minutes.

11:30

The save

A $220k relationship shows drain velocity. The brief suggests a rate match within bounds — and a service-failure apology, root cause attached. The banker calls; the save lands; direct deposit re-anchors.

2:00

The graduation

A business-banking meeting the Scout booked last week. The credit memo draft is attached. The meeting is a conversation, not an interrogation.

4:45

The close

Every note written, every follow-up created, nothing owed to memory. The banker spent the day in dialogue.

Bankers spend 25–30% of their day in actual client dialogue. That number is the thing this product exists to break.

Why workflows compound

Land with one agent. The workbench assembles itself.

Each workflow is sellable alone — fixed scope, outcome-metered. Every one you add compounds the others, because they all read and write the same three assets:

Live Customer State

One always-current picture of every household — balances, products, signals, and conversations — instead of five tabs.

Signal Ledger

Every detected moment, scored and time-stamped with its decay window — and whether it was acted on before it expired.

Action Log

Every decision, approval, and outcome, append-only. The audit trail your examiners read from.

Agents hand each other structured work items, never raw guesses.

Next step

Watch one workflow run on your data.

The same 45-minute working session — bring one month of your attrition or onboarding numbers, and we'll trace exactly which of these workflows would have fired, step by step.

Book the working sessionMeet the agents
What to expect
  • Your numbers traced through the four blueprints, live
  • Every step tagged with its autonomy rung — and where your banker leads
  • The governance spine walked end to end with your compliance lead
  • A fixed 60–90 day scope for the workflow that fires most