PinotPulse is an agentic platform for credit-union compliance, risk, and banking. AI agents auto-populate filings, run the validations, draft the narratives, and triage the exceptions. A human in the matching role verifies and owns every final decision. Agents propose. People decide. Every action is attributed and audited.
Each agent does the heavy lifting in its lane — and hands a finished proposal to the officer whose job it is to decide. No agent approves, submits, or attests. That line never moves.
Watches credit, interest-rate, liquidity and concentration risk on live data, drafts the CAMEL self-assessment and the board read, and flags exposure the moment it moves — with the numbers an examiner asks for already assembled.
Prepares the NCUA 5300 Call Report and the regulatory workpapers behind it, runs the agency edit checks, and explains every warning in plain language — so the officer reviews a finished draft, not a blank form.
Triages alerts, assembles SAR and CTR drafts, screens names against the OFAC list, and prepares the complete case file — so the officer walks into a decision, not a pile of raw alerts.
Validates HMDA data as loans are entered, prepares the Reg B and Reg Z artifacts, and checks fair-lending fields early — so problems surface at origination, not the night before the deadline.
The agent pulls the data, fills the report, runs the checks, and drafts the explanation — then presents it as a proposal.
The matching officer sees exactly what the agent did, why, and what it flagged — in plain language, with the source behind every figure.
Only a person can approve, submit, attest, or make the SAR call. The decision — and the accountability — stays with your officer.
Every step is designed to be logged — the agent, the human who directed it, the inputs and the reasoning — in a tamper-evident trail.
This is the line that makes agentic compliance safe for a regulated institution — and we are building it into the platform itself, not leaving it as a promise in a deck.
Every agent acts under a named human’s authority. The agent, the human it acts for, and a run ID are designed to be recorded in the token, the audit log, and the provenance — no agent is ever mistaken for a person.
An agent is never both maker and checker. Dual control is always the maker plus one distinct human checker — so the single-officer credit union still gets a real second set of eyes.
Rate and cost limits and a kill switch are part of the design, and sensitive content is to be protected — SAR confidentiality and prompt-injection resistance are part of the design.
The agents operate across everything on your compliance desk. Not all of it is a “filing,” and we think it matters to be exact.
The reports that go to a federal regulator. Agents prepare and check them; a human submits.
The analysis and documentation that supports your filings and exam — and stays inside the institution.
The daily screening feed that keeps names checked against the current government list.
Agents auto-populate and validate across all of it, and keep a record of how every number was produced. A human still submits every filing through the agency’s own channel — direct submission is on the roadmap, and nothing is sent to a regulator on your behalf until it is ready and proven.
Regulators want more data, more often — while compliance teams stay small. An agentic platform lets a credit union do the work of a much larger institution without losing the human judgment and accountability an examiner expects. That’s the point: the agent carries the load, your officer carries the decision.
We’re building the agentic platform now and inviting a small group of credit unions to shape it as design partners. Whether you run a credit union today or a community bank watching this space, we’ll walk you through the agents, the governance, and the roadmap — no pitch, just a straight conversation.
Talk with us →