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AI agent for bank branch managers

Override and Fee Waiver Log Review Agent

Review fee waivers and override logs for unusual patterns, ask for explanations and report to the manager

AnalysisRisk managementMonitoringSalesFinanceManagementOperations
See how it worksGet access
Override and Fee Waiver Log Review Agent: what goes in, what the agent does and what you get

What it does

Overrides and fee waivers are granted all day and no one looks for patterns. Each week the agent reads the logs by employee, customer and reason. It compares each employee's volume and amount with the branch norm and flags outliers, such as repeated waivers for the same customer or approvals just under a limit. It drafts requests for explanations and checks each reply against the account facts. If the answer does not explain the pattern, it asks again with a narrower question. It reports to the manager, who decides next steps. Edge case: an employee waived five fees for one customer in a week, and the agent finds the customer had a documented hardship.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedYes, continueNoNo 1 STARTS WHEN Week ends 2 USES A TOOL Read override and waiver logs 3 DOES Compute volumes and amounts by employee, customerand reason 4 DOES Flag outliers against norms and limits 5 CHECKS THE RESULT Is each flagged pattern clear enough to explain? If not: Add comparison detail and recompute. Back tostep 3. 6 YOU APPROVE Manager approves explanation requests 7 USES A TOOL Read each explanation and compare with account facts 8 CHECKS THE RESULT Does the explanation account for the pattern? If not: Ask a narrower follow-up question. Back to step5. 9 DOES Write the findings with evidence 10 RESULT Weekly review report to the manager
Read the steps as a list
  1. Week ends
  2. Read override and waiver logs
  3. Compute volumes and amounts by employee, customer and reason
  4. Flag outliers against norms and limits
  5. Is each flagged pattern clear enough to explain?If not: Add comparison detail and recompute. Back to step 3.
  6. Manager approves explanation requestsThe agent waits here for your OK.
  7. Read each explanation and compare with account facts
  8. Does the explanation account for the pattern?If not: Ask a narrower follow-up question. Back to step 5.
  9. Write the findings with evidence
  10. Weekly review report to the manager

How it decides

Patterns are measured against the branch norm and policy limits; explanations are checked against the account facts.

  • Flag a waiver count above twice the branch average
  • Flag amounts within 5% below an approval limit
  • Flag more than 3 waivers for one customer in a month
  • Never reach conclusions about intent

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Outlier multiplier (default 2x)
  • Limit margin flag (default 5%)
  • Review window
  • Report recipients

What keeps you in control

It always asks you first

  • Manager approves explanation requests
  • Manager decides any action involving employees

Hard limits

  • Never accuse anyone; report facts only
  • Never change a log

It stops when

  • Done: every flag is explained or reported
  • Stop: a pattern suggests possible misconduct and compliance must be told

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensOne teller waived 11 overdraft fees in a week against a branch average of 4. The agent asked for the reasons. Eight cited a bank outage, which matched the incident log. Three had no reason, so the agent sent a narrower follow-up. The reply covered two. The manager received a report listing one open item.

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