IBM Proposal

AIMLUX.ai PROPOSAL: 

Bob - IBM Power / Equitus.us [FinCore] bundle focusing on Financial Applications, combining Infosys Finacle,  and further enhanced by the IBM Bob agent, creates a highly specialized FinCrime and Regulatory Compliance AI Stack that addresses the most complex use cases in modern finance.

The  Bob integration/orchestration leverages the strengths of each component to move financial institutions from a reactive (alert-driven) to a proactive, intelligence-driven posture.

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Primary Use Case: Financial Crime & Compliance (AML/Fraud)

The most direct and powerful application of this bundle is in Anti-Money Laundering (AML), fraud detection, and regulatory compliance, particularly when integrating with Infosys Finacle's core banking data. | Component | Role in Financial Crime & Compliance | 

Use Case Examples | | :--- | :--- | :--- | | KGNN (Knowledge Graph Neural Network) | Intelligence Hub. Unifies vast, disparate data (Finacle transactions, customer profiles, external sanctions lists, public records) into a relational network. Uses Graph Neural Networks (GNNs) to identify non-obvious, multi-hop connections and complex laundering patterns across accounts and borders that rule-based systems miss. 

| Ultimate Beneficial Ownership (UBO) Discovery: Tracing complex ownership chains across shell companies and jurisdictions to meet FATF guidelines. Sanctions Evasion: Detecting indirect connections to sanctioned entities or Politically Exposed Persons (PEPs) via shared intermediaries (e.g., two degrees of separation). | | Graphica (Data Governance) | Trust Engine. Ensures the data feeding the KGNN and AI models is clean, accurate, and compliant. This is critical for FinCore data, which handles modular software components and regulatory reporting. | Reduced False Positives: By ensuring data quality and resolving duplicate entities across systems (Entity Resolution), Graphica dramatically lowers the number of useless alerts, saving analyst time and cost. | 

| AIMLUX.ai (Generative/Predictive AI) | Predictive Insight & Explainability. Applies machine learning models (trained on the KGNN's output) for real-time risk scoring and anomaly detection directly within the Finacle system. | 

Transaction Monitoring & Anomaly Detection: Real-time flagging of unusual transaction patterns (structuring, layering) that deviate from a customer's learned normal behavior, improving detection accuracy. Explainable AI (XAI): Provides a clear rationale for every flagged alert, allowing compliance analysts to quickly adjudicate cases and prepare Suspicious Activity Reports (SARs)—a key regulatory requirement. | 

| EVS (AI Video Support) | Investigative Efficiency. While primarily a sales tool, in compliance, it could be repurposed to analyze interactions with customers during high-risk Enhanced Due Diligence (EDD) interviews. | Case Enrichment: Capturing and analyzing emotional/linguistic cues during EDD interviews to provide another layer of risk assessment on top of transactional data. | 

| IBM Bob (AI Agent) | Automation Layer. Acts as an intelligent agent to automate investigative workflow. | SAR Preparation & Case Management: Automating the collection of all relevant data, documents, and KGNN link analysis output into a standardized case file for the analyst, streamlining reporting and reducing investigation time. |

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Secondary Use Case: Personalized Banking & Customer Risk

Beyond compliance, the bundle allows for the development of hyper-modular financial applications (FinCore) that offer a seamless customer experience while maintaining a strong risk profile.

• 360° Customer View: The KGNN merges transactional data from Finacle with external data (e.g., social, corporate records) to create a comprehensive view of the customer's relationships and holistic risk score. This allows FinCore to offer highly personalized products while flagging complex, high-risk relationships.

• Next-Generation Customer Onboarding (KYC/KYB): KGNN instantly cross-references new applicants against known fraud networks and PEP lists, while Graphica ensures the data is clean. This allows banks to onboard low-risk customers quickly while performing deep, immediate diligence on high-risk cases.

• Modular Software Development (FinCore): The entire stack provides an AI-ready data foundation for Power 10/11 users (FinTech developers) to rapidly build and deploy modular FinCore applications with embedded AML/Fraud intelligence powered by AIMLUX.ai and IBM Bob agents.