AI decision-making built for banking. Not retrofitted for it.
Palladium AI resolves disputes, payments, servicing, and onboarding end-to-end — with guardrails written against what the OCC, the CFPB, the FFIEC, the FDIC, and the Federal Reserve actually expect from an automated decision, not bolted on after the fact.
62% of tier-1 volume automated at a $2B bank. Audit trail signed off by compliance in 9 days — not a quarter.
Decision trace
Record #TR-8841 · Reg E dispute1Customer disputes a charge“I don’t recognize this $84.50 charge” — via Chat
2Deterministic core evaluates Reg E eligibilityProvisional credit eligible, within 10-business-day windowreg-e-provisional-credit
3Concierge explains the decisionPlain-language response — the model never decided, only narrated
4Record sealed, replayable on requestAvailable to any examiner or auditor, step by step
60–85% autonomous resolution. First workflow live in weeks — not quarters.
Trusted by 300+ client organizations
The false choice
Most banks and credit unions believe they have three options for scaling servicing. All three lose — and an examiner notices which one you picked.
Contain with a chatbot
Deploy a scripted assistant that answers FAQs and hands off anything real. Containment metrics improve; the disputed charge or stalled application still waits in a queue.
Cost: the queue stays. The customer notices.
Scale the queue with people
Hire and train more agents to keep pace with volume. Headcount scales linearly with demand, and every seasonal spike or fraud wave means the same fire drill again.
Cost: linear headcount, flat margin.
Automate without an audit trail
Stand up generic workflow automation or an off-the-shelf LLM wrapper. It moves fast until an examiner asks exactly what the AI decided and why — and there's no record to show them.
Cost: one exam, zero good answers.
We speak your regulator’s language, not just your customer’s
Generic AI vendors talk about “safety.” Banking compliance teams talk about specific bodies with specific expectations. Palladium is built against those, by name — and because the deciding layer is deterministic, not generative, there's no confidence score to second-guess. The rule matched, or it didn't.
Model risk & safety-and-soundness
Every decision path is deterministic where it must be — dollar and risk thresholds enforced in code, not suggested to a model — with the reasoning trail available for model-risk-management review.
Fair lending & UDAAP exposure
Consistent policy application across every customer, every channel, with a sealed record of what was offered, denied, or escalated and why — the evidence a fair-lending review actually asks for.
IT & AI risk guidance
Role-based access, PII redaction, vendor and data-flow visibility, and an audit trail built for examination — not a dashboard assembled the week before one.
Consumer protection, Reg E & safety-and-soundness
Reg E-aware dispute intake, eligibility, and provisional credit timelines enforced automatically — with escalation to a human before a deadline is ever at risk.
This describes the controls Palladium enforces — not a claim of certification by, endorsement from, or approval by the OCC, CFPB, FFIEC, FDIC, or Federal Reserve.
What it resolves
The journeys that actually cost a bank or credit union money, handled end-to-end — not deflected, not queued.
Disputes & chargebacks
Reg E-aware intake, eligibility, provisional credit, and network filing — with dollar-threshold guardrails on every action.
KYC & account opening
Identity verification, document collection, and funding orchestrated to completion instead of abandoned at step four.
Payments & transfers
Status, stops, recalls, and exceptions executed against payment rails with granular permissioning on every action.
One orchestrator. A fleet of banking specialists.
Every channel routes through one supervisor, into specialist agents, into your core system of record — with one shared memory across all three. Every specialist runs on the same deterministic core: rules decide first, the model only explains.
Channels
- Voice
- Chat & in-app
- SMS / WhatsApp
Orchestration
- Supervisor / Orchestrator — routing, coordination, escalation
Specialist agents
- Identity / KYC
- Disputes
- Payments
- Lending
- Fraud & Risk
- Collections
Your systems
- Core banking
- CRM
- Ticketing
- Payment rails
- Identity providers
Built for the person who can say no
Compliance-first, not compliance-retrofitted.
Every AI vendor demos to the CX team first. Palladium demos to your compliance leader first — because if the audit trail, the guardrails, and the escalation model don’t survive that meeting, nothing else matters.
Hosted by Sphere with strict data isolation, or fully private in your own cloud — AWS, Azure, or Google Cloud, your choice — with private model options. No training on your customer data, by default and by contract.
Replayable audit trailThe Ledger
Every prompt, tool call, decision, and reasoning step — timestamped, sealed, exportable for examiners and internal audit. Part of the same three-pillar architecture behind every Palladium deployment — see how it works.
Deterministic guardrailsThe Rulebook
Dollar and risk thresholds, hard limits enforced in code, not prompts. Natural-language policy enforcement layered on top, never instead.
Prompt-injection & output screeningevery message
Inbound messages screened before they reach the model; outbound responses screened before they reach the customer. PII redaction runs on both passes.
Human-in-the-loopwarm handoff
Escalation with the full context package — identity state, journey progress, everything already verified.
Coach / QA agent100% review
Every interaction reviewed, root causes surfaced, policy and workflow improvements suggested continuously.
Jurisdiction-aware controlsresidency & consent
Role-based access, PII redaction, data residency, and consent management tuned to where you operate.
Operational leverage you can defend to a CFO — and an examiner.
- autonomous resolution of routine and semi-complex volume
- 60–85%
- average decision time for a fully autonomous Reg E dispute
- 7.2s
- of interactions reviewed by the Coach / QA agent
- 100%
- uptime target, with circuit breakers on every external system
- 99.9%+
We’ve mapped these requirements before you asked
The questions compliance and procurement teams at banks and credit unions actually put in front of us — verbatim — and how Palladium answers each one.
Generalized from real financial-institution AI procurement reviews — the exact requirements regulated buyers use to separate real vendors from decks.
Audit“Every automated decision must be replayable and exportable for examiners.”
Evidence, not assurances. Every prompt, tool call, decision, and reasoning step is timestamped, sealed, and queryable by user, date, and event type — exportable for examiners and internal audit on demand.
Guardrails“Dollar and risk thresholds must be enforced, not just suggested to the model.”
Enforced in code. Hard limits sit outside the model’s control, with natural-language policy enforcement layered on top — never instead of the deterministic layer.
Escalation“Escalations to a human must carry full context, not a transcript.”
Warm handoff, always. Identity state, journey progress, and everything already verified travels with the escalation — the human never re-asks what the customer already answered.
Data governance“Customer data must not train shared models.”
By default and by contract. No training on your customer data. Hosted by Sphere with strict data isolation, or fully private in your own cloud with private model options.
Integration“It must connect to our core banking and CRM systems without a rebuild.”
Pre-built and bi-directional. Connectors to core banking, CRM (including Salesforce), ticketing (Zendesk, ServiceNow), payment rails, and identity providers, with granular tool-calling permissions on every action.
What resolution looks like inside a bank
Not aggregate figures — real outcomes, named to the institution and the number.
$2B regional bank · Disputes & fee waivers
Moved routine fee-waiver and dispute questions off the call-center queue. Compliance signed off on the audit trail in under two weeks.
Community bank · Revenue discovery
Used Revenue Discovery to surface underbanked accounts already in the portfolio, each flagged with a sized opportunity for the relationship team.
“Our support team went from routine tickets to actual relationship management. The audit trail meant compliance signed off in a week, not a quarter.”
VP Digital Banking, regional bank
“It found underbanked accounts our own relationship managers hadn't flagged — with a sized number attached to each one.”
SOC 2 Type II certified. Backed by Sphere's 300+ client organizations across regulated industries.
Partners
Questions Your Evaluation Committee Will Ask
How does Palladium AI hold up in a regulatory exam?
Every prompt, tool call, decision, and reasoning step is timestamped, replayable, and exportable. Deterministic guardrails enforce dollar and risk thresholds in code, escalations carry full context to a human, and a Coach/QA agent reviews 100% of interactions.
What resolution rate can we expect for a bank or credit union?
Palladium AI targets 60–85% autonomous resolution of routine and semi-complex volume across voice, chat, SMS, and in-app channels, with warm human handoff for everything above your configured risk threshold.
Which systems does it connect to?
Pre-built, bi-directional connectors for core banking, CRM (including Salesforce), ticketing (Zendesk, ServiceNow), payment rails, identity providers, and document systems — with granular tool-calling permissions on every action.
Is our customer data used to train models?
No — not by default, and not by contract. Palladium supports private LLM options and VPC deployment, with data residency controls, PII redaction, and consent management for institutions with sovereignty requirements.
How fast can we be live?
A first production workflow typically ships in weeks. Engagements start with a two-week Concierge Readiness Diagnostic that maps your journeys — book a walkthrough to scope it for your institution.
See Palladium resolve a Reg E dispute. Then map your own.
Get a live walkthrough — a real dispute, payment, or onboarding journey resolved end-to-end, with the full audit trail replayed on screen.
Talk to a solutions architect
Direct to a senior architect — never a sales queue.
Book a walkthrough →