AI agent for immigration consultants
Proof of Funds Analysis Agent
A funds package where the balance is proven and every large deposit is explained
What it does
Authorities ask for proof of funds, and an unexplained large deposit can sink an application. This agent reads the bank statements and checks that the balance meets the required amount over the required period, in the right currency. It lists every large deposit, using a threshold against the client's normal income, and checks each against known sources such as salary, sale proceeds or gifts. For anything unexplained, it drafts a request for supporting letters or records. After the consultant approves, the request goes to the client. When replies come, the agent compares them with the deposits, checks amounts and dates, and rechecks the balance. It repeats for each item. Edge case: a gift deposit needs a letter from the donor and proof of the donor's funds.
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.
Read the steps as a list
- Client uploads bank statements
- Read statements and calculate balances over the required period
- Does the balance meet the required amount for the whole period?If not: calculate the shortfall and note the lowest day. Back to step 2.
- List large deposits above the threshold and match each to known income or records
- Draft a request for letters or records for unexplained deposits
- Consultant approves the request to the clientThe agent waits here for your OK.
- Read the client's documents and compare amounts and dates
- Is every large deposit explained by a matching document?If not: request the specific missing record and recheck. Back to step 5.
- Recalculate the balance without unexplained deposits
- Consultant approves the funds packageThe agent waits here for your OK.
- Proof of funds summary
How it decides
A deposit needs explanation when it exceeds the threshold and does not match income. A deposit is explained only when a document confirms source, amount and date.
- Flag deposits above 25 percent of monthly income
- Require source, amount and date in the supporting document
- Calculate the balance with and without unexplained deposits
- Convert currencies at the date the authority specifies
Make it yours
Every agent is a starting point. You choose these settings for your own situation.
- Large deposit threshold (default 25 percent of income)
- Required amount and period
- Accepted proof types
- Currency rules
What keeps you in control
It always asks you first
- Requests to the client
- The final package
Hard limits
- Never contacts the client without approval
- Never alters or edits statements
It stops when
- Done: balance proven and deposits explained
- Stop: client cannot document a key deposit
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.
- 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
