How a Global Digital Bank Automated Compliance and Ops with StackAI

How a Global Digital Bank Automated Compliance and Ops with StackAI

Overview

A top-tier digital bank serving over 100 million customers used StackAI to streamline compliance, finance, legal, and HR operations—saving 8,000+ hours every month. What started as a single Slack-based AI agent for compliance reviews has evolved into a full-scale agent ecosystem powering mission-critical workflows across the enterprise.

The Challenge

In highly regulated industries like finance, even a single social media post must pass compliance review. For this bank, every department had a dedicated compliance controller manually reviewing content—a process that took hours or even days.

These delays weren’t just inefficient, they killed time-sensitive projects, made some work products obsolete before they could be used, and created risk across marketing, product, and operations. Leadership knew it had to modernize the process without sacrificing accuracy or oversight.

The Solution: StackAI-Powered AI Agents

The bank explored several AI options, but soon chose StackAI, the only platform that delivered enterprise-grade governance with the speed and flexibility of no-code agent building.

Using StackAI’s drag-and-drop platform, the bank launched an internal compliance and risk management AI agent integrated with Slack. Employees now can ask real-time compliance questions to a handy Slackbot and get near-instant answers from a secure, local LLM trained on internal policies.

🕒 Compliance review time dropped from 3 days to 20 seconds.

From One Agent to an Ecosystem

The compliance AI agent quickly went viral across the organization, and it inspired teams to automate other key workflows, ultimately saving millions of dollars and thousands of hours. 

Legal

The team began building a suite of legal-focused AI agents. It started with a contract analyzer: an AI assistant that runs contracts through multiple LLMs to extract key terms, assess liability, and surface risks. This tool, championed by a forward-thinking leader in the organization, quickly demonstrated its value and helped unlock further legal innovation. 

From there, the team deployed an AI agent that automatically categorizes legal content by type (sales, support, privacy, or financing-related), making documentation more searchable and structured. They also launched a legal guideline chatbot powered by internal legal guidelines and deployed as a Slackbot. Team members can now ask real questions like, "Can I share personal data with this vendor?" or "What’s the procurement policy?" and get fast, consistent answers.

These AI agents continue to improve legal efficiency, reduce bottlenecks, and scale internal expertise across the organization.

Human Resources

Next, the bank built an employee refund AI agent to automate reimbursements for childcare expenses. Employees uploaded receipts, which were processed using Optical Character Recognition (OCR), a technology that extracts text from images and scanned documents. The extracted data was then cross-referenced against the employee database in Google Drive by GPT-4o mini. If everything checked out, the refund was automatically issued: no manual review required. HR teams had previously completed the manual process a whopping 7,000 times per month. But this agent has now saved the team more than 1,500 hours per month, and relieved employees of long wait times for their childcare to be reimbursed.

🕒 This AI agent saves over 1,500 hours per month. Processing refunds used to take the HR team approximately 4 hours. StackAI got it down to 1.2 seconds.

Risk and Compliance

The original compliance agent remains a foundation for the bank’s broader AI agent ecosystem. It’s become a daily-use tool across departments, cutting approval times dramatically and ensuring every team operates within regulatory boundaries.

Finance

The finance team also adopted StackAI to improve their capitalization process, specifically in classifying operational expenses (rent, internet, and salaries) versus capital expenditures (CapEx). This distinction matters: operational expenses are taxed immediately, while CapEx can be amortized over time, potentially saving the company millions in taxes.

To radically streamline this process, they built a capitalization AI agent. Finance team members submit RFCs and project documentation via Google Drive, and the agent analyzes them to determine what qualifies as CapEx. This automation helps the team track and justify capitalized expenses more accurately. With widespread usage across the department, including in analytics, compliance checks, and validation, this AI agent has generated over $1 million in annual tax savings so far.

On-Premise Deployment

As part of their strict data security and compliance policies, the bank deployed StackAI fully on-premise—running the platform inside their own AWS-hosted cloud infrastructure. This setup ensures that all sensitive customer data remains securely within their environment, aligning with internal governance policies that require all vendors to operate on-prem. StackAI continues to power workflows entirely from within the bank’s private servers, reinforcing its position as a trusted and secure enterprise-grade AI solution.

8,000+ Hours Saved Per Month. What’s Next?

This global bank now sees LLM-powered AI agents as a strategic imperative, and StackAI as a strategic partner. With over 8,000 hours saved per month across teams, StackAI is a cornerstone of their operational strategy. 

As legal, finance, HR, and risk teams have demonstrated their success with StackAI, other departments are now actively building AI agents for process automation, customer ops, and more, with peace-of-mind from StackAI’s robust governance, data protection, and flexible deployment options. StackAI is proud to partner with this leading digital bank to revolutionize and scale their AI-powered workflows, creating efficiency gains for the entire organization.