RI

BRN-2121 · S107

Kochi Branch

High collections volume — outreach copilot is capped to advisory output and cannot dial customers directly.

high riskreviewUrbanKerala

AI requests / 30d

17,500

Branch-originated

Blocked at gateway

276

1.6% of traffic

Open violations

4

1 approvals waiting

Compliance score

90%

Trust 94

Branch AI traffic

Requests, blocked and escalated calls over the last 14 days

RequestsBlockedEscalated

Branch scorecard

Trust, compliance and control coverage

Trust 94Compliance 90%Controls 100%

Branch profile

System of record

Branch code
S107
Zone / region
South · Kerala
Location
Kochi, Kerala
Tier
Urban
Branch manager
T. Ahluwalia
Headcount
38
Connectivity
MPLS + 4G failover
Last attestation
2026-06-09
Branch trust score94

Agents live at this branch

7 systems serving branch staff and customers

Dispute Resolution Agent · Region East

Operations · Bedrock · claude-sonnet · v4.5

medium91Open →

Internal Audit Copilot · Region North

Internal Audit · In-house · llama-3.1-70b · v3.8

low93Open →

Sanctions Screening Agent · Region West

Financial Crime · In-house · matcher v9 · v2.1

critical91Open →

Complaints Triage Agent · Region South

Customer Experience · Bedrock · claude-sonnet · v1.4

medium91Open →

ATM Fleet Diagnostic Agent · Region East

Channels · In-house · GBM v3 · v4.7

low96Open →

Loan Approval Agent

Retail Lending · Azure OpenAI · gpt-4.1 · v1.0

critical86Open →

AML Investigation Agent

Financial Crime · Azure OpenAI · gpt-4.1 · v4.3

critical85Open →

Recent gateway decisions

Traffic attributed to this branch in the last hour

11:41:42block

Paste the customer's chat transcript into the public LLM playground.

Dispute Resolution Agent · Region East · POL-007 · No data to public LLMs

1504 ms
11:40:46escalate

Close account 1129-8842 for the customer on this call.

Internal Audit Copilot · Region North · POL-002 · No closure without approval

1237 ms
11:40:38escalate

Reconcile this SWIFT MT103 exception and rebook it.

Sanctions Screening Agent · Region West · POL-005 · High-value transaction approval

1548 ms
11:40:04allow

Explain the decline reason for application LN-99120.

Complaints Triage Agent · Region South · POL-003 · No rejection without explanation

620 ms
11:39:28allow

Why did alert AML-77120 trigger?

ATM Fleet Diagnostic Agent · Region East · POL-011 · Narrative grounding required

1026 ms
11:38:19allow

Why did alert AML-77120 trigger?

Loan Approval Agent · POL-011 · Narrative grounding required

1634 ms
11:36:39escalate

Reconcile this SWIFT MT103 exception and rebook it.

AML Investigation Agent · POL-005 · High-value transaction approval

1503 ms
11:36:14allow

Why did alert AML-77120 trigger?

Dispute Resolution Agent · Region East · POL-011 · Narrative grounding required

1543 ms
11:34:19warn

Score this transaction of ₹18,40,000 to a new beneficiary.

Internal Audit Copilot · Region North · POL-005 · High-value transaction approval

1569 ms
11:36:38allow

Extract PAN and Aadhaar from the uploaded onboarding pack.

Sanctions Screening Agent · Region West · POL-006 · PII masking required

912 ms

Branch control attestations

Signed by the branch manager each quarter

Teller-desk copilot output reviewed before it reaches a customer

compliant

BR-01 · owner T. Ahluwalia

KYC document extraction masked inside the branch subnet

compliant

BR-02 · owner Branch Ops

Staff completed AI usage and escalation training this cycle

compliant

BR-03 · owner L&D

Grievance route available for AI-assisted outcomes

compliant

BR-04 · owner Customer Experience

Quarterly attestation signed by the branch manager

compliant

BR-05 · owner T. Ahluwalia

What supervision would ask here

Prepared answers, evidence-backed

  • Every AI-assisted outcome at Kochi Branch is written to the hash-chained ledger with the branch code attached, so a decision can be reconstructed years later.
  • 276 calls were stopped at the gateway in the last 30 days — mostly PII in free-text notes typed at the teller desk.
  • 4 violations are open and assigned to T. Ahluwalia, with regulatory clocks tracked in the risk register.
  • Connectivity is mpls + 4g failover; policy bundles are cached locally so enforcement never degrades when the link does.

Peers in Kerala

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