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AI agent for bank branch managers

Teller Error and Variance Review Agent

Repeat drawer variances fall because causes are found and coached

Teller Error and Variance Review Agent: what goes in, what the agent does and what you get

What it does

A teller's drawer is off by a few dollars, and it happens again the next week. Without tracking, the manager sees only totals. This agent reads daily variances by teller and transaction type, and finds patterns: the same teller on the same type, a time of day, or a procedure step. It links each pattern to the written procedure and picks a likely cause, such as miscounted large bills or double entries. It drafts a short coaching item with the evidence and the relevant step. A week later it checks whether the variance dropped and revises the note if not. The manager approves what is shared. Edge case: three tellers share one drawer on busy days, so the agent looks at shift handoffs before pointing to any person.

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 Daily variance report arrives 2 USES A TOOL Load variances by teller, drawer, shift andtransaction type 3 DOES Find repeat patterns across the last 30 days 4 CHECKS THE RESULT Is the pattern clear enough, with three or morematching days? If not: keep watching and widen the window. Back to step2. 5 DOES Link the pattern to the procedure step most likelyinvolved 6 DOES Draft a short coaching item with the evidence 7 YOU APPROVE Manager approves what is shared with the teller 8 USES A TOOL Log the coaching and set a recheck for next week 9 CHECKS THE RESULT Did variances drop after coaching? If not: revise the cause, try another procedure step andcoach again. Back to step 5. 10 RESULT Pattern log and results
Read the steps as a list
  1. Daily variance report arrives
  2. Load variances by teller, drawer, shift and transaction type
  3. Find repeat patterns across the last 30 days
  4. Is the pattern clear enough, with three or more matching days?If not: keep watching and widen the window. Back to step 2.
  5. Link the pattern to the procedure step most likely involved
  6. Draft a short coaching item with the evidence
  7. Manager approves what is shared with the tellerThe agent waits here for your OK.
  8. Log the coaching and set a recheck for next week
  9. Did variances drop after coaching?If not: revise the cause, try another procedure step and coach again. Back to step 5.
  10. Pattern log and results

How it decides

A pattern exists when the same type or teller shows variances on three or more days in 30. The agent picks the cause that matches the procedure step most often involved.

  • Count a pattern after variances on 3 days in 30
  • Look at shared drawers and handoffs before naming a person
  • Link each pattern to one procedure step
  • Recheck one week after coaching

Make it yours

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

  • Pattern window and count
  • Variance size that counts
  • Recheck timing
  • Who sees the report

What keeps you in control

It always asks you first

  • Manager approves any coaching note shared
  • Manager approves any formal action

Hard limits

  • Do not accuse any person
  • Never take any disciplinary step
  • Keep teller data limited to the manager

It stops when

  • Done: variances stay below the limit for 4 weeks
  • Stop: a possible loss or dishonesty case goes to the manager and compliance

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 happensTeller 3 shows variances of $5 to $20 on four days this month, all on check cashing. The drawer is shared on two of them. The agent separates the two shared days and still sees two clean-drawer days. It links the pattern to the double-count step and drafts a coaching note. The manager approves it. The next week shows zero variances.

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