Who approved it?
Point tools let agents act on accounts with no named person behind the decision. Model risk teams will not sign that off.
Solutions
Banks
Banks want AI on the frontline but cannot put an action in front of a customer that they cannot explain later. Spine gives every AI decision a named approver and a record you can verify.
The problem
AI pilots stall at model risk review.
The model is rarely the blocker. The questions a risk committee asks are.
Can you prove it?
Chat logs can be edited and are scattered across vendors. Examiners want one record that shows nothing changed.
Can you stop it?
If an agent misbehaves at scale, operations needs to pause it in minutes, not wait for a release.
How Spine answers it
Governed agents on the channels your customers use.
Start with one product and add the rest on the same approvals, guardrails and ledger.
Voice AI
Service and early arrears calls with checks before every call.
Learn moreLiveAssist
Live compliance prompts for branch and contact centre staff.
Learn moreNEQQO
Every conversation scored for quality and conduct risk.
Learn moreCollections
Recoveries on approved procedures with every plan approved.
Learn more
On the platform underneath
Approval gates
No write runs without a decision from a named person. Nothing reaches a customer account by accident.
Approval gatesAudit ledger
Every step, tool call and decision is hash-chained per tenant. Change a past entry and verification shows where.
Audit ledgerCockpit
Pause a product, set an autonomy ceiling or a daily spend cap without an engineer. Every change is recorded.
Cockpit
Regulations that matter
Mapped to the rules a bank answers to.
One common control set covers the US, Canada and India, so a control is built once and evidenced everywhere it applies.
GLBA
Controls mapped for safeguarding customer financial information, with access and isolation evidence from the platform.
USControls mappedFDCPA and Reg F
Controls mapped for collections contact frequency, timing and disclosures on bank recoveries.
USControls mappedPCI DSS
Controls mapped for payment conversations, with evidence of how card numbers are kept out of transcripts.
GlobalControls mappedPIPEDA
Controls mapped for consent and purpose limits on personal information in Canadian operations.
CanadaControls mappedDPDP
Controls mapped for consent and data principal rights under the Indian data protection law.
IndiaControls mappedNIST AI RMF and ISO 42001
Controls mapped for AI risk management, so model risk reviews start from evidence rather than a questionnaire.
GlobalControls mapped
Controls mapped, not a certification
Spine maps its controls to these frameworks and collects evidence from the platform itself. That is designed to support your own compliance work. It is not a certification and it does not replace your legal advice.
Illustrative scenario
A retail bank moves early arrears calls to Voice AI.
A mid-sized retail bank wants to call customers who have just missed a payment, without adding staff or conduct risk.
Procedure approved
Risk and compliance approve the early arrears procedure in Agent Studio after a dry run and evals.
Calls run under gates
Voice AI calls clear accounts only. Hardship signals hand over to a colleague coached by LiveAssist.
Plans approved
Each payment plan waits for a named supervisor. Nothing lands on the core system without a decision.
Examiner asks
The bank exports the ledger for the sample period and shows that no entry was changed.
Illustrative scenario
This is a composite example of how the products work together. It is not a customer story and it describes no real organisation.
Bring your model risk questions.
We will walk your risk team through a governed call and the evidence it leaves behind.