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Banking & finance

Automation your auditor can follow.

Onboarding, reconciliation, risk review and reporting, automated where it is safe, gated where it is not, and logged so every decision can be reconstructed.

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Office towers seen from below, their windows in a tight grid
The problem in banking and finance

The work is rule-bound. The evidence is what is missing.

Onboarding, reconciliation and reporting are repetitive enough to automate. What stalls them is the absence of an audit trail a reviewer will accept.

Onboarding and reconciliation steps that are rule-bound70 to 90%
Automated decisions logged with actor and outcome100%
UAE firms with processes mature enough for agents17%
Weeks to clear a security review alongside the build0
Ranges without a named source are Momentem’s own engagement data. Treat them as observed ranges, not guarantees.
Hands spreading printed statements across a desk

Explainability is mandatory

A score without reasoning is unusable.

Data cannot always leave

Client records rarely reach a third-party service.

Four-eyes is not optional

Approval gates are a requirement, not a phase two.

Legacy core systems

Nightly batches and fixed-width files. Normal.

What we can deploy here

Real applications, in the order we would usually deploy them for an operation this shape.

Agent

Onboarding Desk

Extracts the pack, screens against policy and presents a decision with the reasoning attached.

Awaiting approvalconfidence 0.93
Approve onboarding: AED 4,820 limitkyc-agent
ApproveRejectAsk for detail
Agent

Reconciliation Agent

Matches statements, ledgers and settlement files, escalating only genuine breaks.

Matched: 4,182 linesdone
Breaks to review11
Auto-cleared duplicates63
Service

Credit Pack Builder

Assembles and pre-assesses the pack against your own criteria before an analyst opens it.

Sources pulled6 systems
Pre-assessed againstyour criteria
Decisionanalyst-owned
Service

Regulatory Reporter

Drafts returns from live data with lineage back to the source row.

of the return drafted70%
Every figure traceable to its source record.
Assistant

Client Assistant

Answers from your own product terms and the client position, escalating anything material.

Grounded inyour terms
Position datalive
Material queriesescalated
Service

Control Tester

Assembles sampling and testing evidence continuously rather than in an annual scramble.

Samples drawncontinuous
Evidence packsauto-built
Exceptionsflagged daily

Workflows worth automating

5
workflows
76%
average automatable
100%
decisions logged

Onboarding & KYC

Document-heavy, deadline-bound
75%
Automatable
TodayAnalysts reading packs and re-keying into core systems
With usExtracts, screens against policy, and flags with a reason a reviewer accepts
−78%onboarding cycle time

Reconciliation

Statements, ledgers, settlement
88%
Automatable
TodayMatching by hand, or a rules engine nobody trusts
With usMatches across sources and escalates only genuine breaks
−90%reconciliation effort

Credit packs

Assembly before assessment
65%
Automatable
TodayDays of collation before any judgement happens
With usAssembles the pack and pre-assesses against your own criteria
−60%time to assemble a credit pack

Regulatory reporting

Recurring, high consequence
70%
Automatable
TodayManual extracts stitched together under time pressure
With usDrafts returns from live data with lineage to the source row
−70%effort per regulatory return

Client servicing

Position and product questions
80%
Automatable
TodayRelationship managers answering from memory and screens
With usAnswers from your own terms and the client’s actual position
−65%time to answer a client query

Why Momentem

About the company →

Built to clear your review

Topology, access model and audit format are documented during the build, and we answer questionnaires ourselves. Engineers, not a mailbox.

Evidence on every decision

Model call, tool use, actor, input reference, cost and outcome, retained to your policy and exportable to your SIEM.

Runs inside your boundary

Your tenancy, on-premise or air-gapped with self-hosted weights. No training on your data, enforced by topology.

Four-eyes designed in

Approval gates on positions, limits, payments and submissions are part of the architecture, not a later phase.

The business outcomes we measure against
Cost to onboard a clientthe number most engagements are judged on
Time to revenuedays between application and first transaction
Analyst hours per casemanual review load we expect to remove
Rejected submissionsrework and regulatory exposure avoided
Break resolution timehow long a reconciliation break stays open
Audit response timeweeks of evidence assembly, or minutes
Services that apply here

How the build runs.

Week 0

Scope

Sessions with the people doing the work. We leave with a written target and a data map.

Week 1 to 2

Prove

A thin slice against your real records, scored on a test set drawn from your own history.

Week 3 to 12

Deploy

Integrations, approval gates, audit logging. Live on one team with a rollback switch.

Ongoing

Hand over

Runbooks, paired on-call and a decision log, until your team changes it without us.

A row of people working along a lit window
Six weeks, in ninety seconds.Walkthrough · 1:30

Which of these workflows costs you most?

Forty-five minutes with the people who would build it. No pitch, and a straight answer on whether it is worth building.

Schedule call

Questions

All questions

Yes: your own cloud tenancy, on-premise, or fully air-gapped with self-hosted models. No training on your data, enforced by the deployment topology.

Every decision carries its inputs, the reasoning and the source references, retained to your policy so an auditor can reconstruct it later.

That is the intention, and the review runs alongside the build rather than at the end. We produce the topology, access model and audit documentation as part of delivery.

Other industries

Logistics

Scheduling, dispatch, exceptions and proof of delivery

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Real estate

Listings, leads, contracts and property operations

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Government

Case handling and citizen services, inside your boundary

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Healthcare

Intake, coding, coordination and records

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Construction

Tenders, submittals, site reporting and variations

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Retail

Catalogue, demand, support and merchandising

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Professional services

Document review, proposals and billing hygiene

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Hospitality

Bookings, guest requests and revenue reporting

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Energy & utilities

Asset records, maintenance planning and compliance

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Education

Admissions, student records and support desks

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Legal

Contract review, disclosure and matter intake

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