Financial Services AI
The financial services AI that handles compliance in every call.
CFPB-compliant. GLBA data handling. Wire fraud verification. Integrates with your core banking system and Salesforce Financial Services Cloud.
No credit card required. Agent live in 90 seconds.
Wire fraud verification built in. Regulatory guardrails on every call.
The AI knows what it cannot do — and stays within those boundaries on every interaction, automatically.
Workforce Wave AI — Financial Institution Setup
Pre-Loaded Intelligence
Pre-loaded with financial services intelligence.
You don't teach WFW what CFPB requires or how a wire verification callback should work. It already knows — and every agent Workforce Wave generates for your institution starts with those guardrails in place.
Built In
Wire Fraud Prevention
Follows your wire verification protocol: calls back the account holder on file (not the requesting number) to confirm wire details. Script: "I'm calling to verify a wire request we received. Can you confirm the amount and beneficiary name?" Stops social engineering.
Built In
Regulatory Guardrails
Never provides investment advice or guarantees returns (SEC/FINRA boundary). Never commits to loan approval. Knows the required disclosures for credit products under CFPB rules — and delivers them correctly every time.
Built In
Account Service Vocabulary
Fluent in: checking/savings, ACH, SWIFT/BIC, routing numbers, CD laddering, HELOC, rate locks, debt-to-income, and LTV. Handles most tier-1 service inquiries without a transfer.
Built In
Loan Pipeline Intake
For mortgage or personal loan inquiries: collects loan purpose, approximate amount, employment status, and credit score range. Routes to a licensed loan officer with a complete intake form — no duplicate data entry.
Integrations
Works with your core banking system.
WFW connects to the platforms your institution already uses. No rip-and-replace.
Salesforce FSC
Salesforce Financial Services Cloud — household record access, opportunity creation, advisor routing.
nCino
Banking platform — loan origination intake, pipeline management, officer assignment.
Jack Henry
Core banking — account lookup, transaction inquiry, wire verification, service request logging.
Plaid
Account verification — income verification for loan intake, balance confirmation for wire verification callbacks.
Real Scenarios
What your financial services AI handles.
From wire fraud verification to loan intake — your agent stays within regulatory bounds on every call.
Bank receives a wire request. AI calls the account holder's registered number: "We received a wire transfer request from your account for $47,500 to [beneficiary]. Can you confirm this is authorized?" Routes to fraud team if not confirmed.
Caller wants a home equity line of credit. AI collects property value estimate, current mortgage balance, desired line amount, and employment status. Passes a complete intake to the loan officer.
Caller asks about a charge on their statement. AI identifies the transaction, provides merchant details, and routes to the disputes team if the customer doesn't recognize it.
For Fintech Builders
Building fintech software? Add compliant voice AI across your client network.
Mode 3 provisioning API lets your platform spin up a WFW agent for each financial institution automatically. Workforce Wave reads each institution's website — CFPB and GLBA guardrails applied to every agent by default.
- ✓POST /v2/agents — one call per institution account
- ✓Workforce Wave reads each institution website automatically
- ✓CFPB and GLBA guardrails on every provisioned agent
- ✓White-label capable — your brand, your dashboard
Mode 3 — Fintech Network Provisioning
POST /v2/agents
{
"scout_url": "https://yourcreditunion.com",
"vertical": "financial_services",
"phone_number": "+18435551234",
"white_label_id": "your-fintech-platform"
}
// Agent provisioned in < 90 seconds
// CFPB guardrails, wire verification, core banking sync: includedRepeat for each institution. Workforce Wave handles the rest.
Common Questions
Frequently asked about financial services AI voice agents.
Questions we hear from bank operations leaders, compliance officers, and RIA principals before they try Workforce Wave.
Is an AI phone agent compliant for a financial advisory firm or bank?
Yes. Workforce Wave is built with CFPB and GLBA guardrails on every call. The AI never provides investment advice, never guarantees returns, and delivers required credit product disclosures correctly every time — staying within SEC, FINRA, and CFPB regulatory boundaries automatically. Your compliance team sets the rules; Workforce Wave enforces them on every interaction.
How does an AI voice agent handle wire fraud prevention at a bank?
Workforce Wave follows your wire verification protocol: when a wire request comes in, the AI calls back the account holder at their registered number — not the requesting number — to confirm the amount and beneficiary. If the customer cannot confirm, the AI routes to your fraud team immediately. This callback verification step stops social engineering attempts without requiring a staff member to execute the protocol each time.
Can an AI receptionist collect loan intake information for a mortgage or HELOC inquiry?
Yes. Workforce Wave handles loan inquiry intake calls for mortgage, personal loan, and HELOC products. It collects loan purpose, approximate amount, property value estimate, current balance, employment status, and credit score range — then routes to a licensed loan officer with a complete intake form. The AI never commits to loan approval or quotes specific rates, staying within CFPB boundaries throughout.
What core banking systems does Workforce Wave integrate with?
Workforce Wave integrates with Salesforce Financial Services Cloud, nCino, Jack Henry, and Plaid, among others. Setup is handled during onboarding — your team does not need to manually configure the integration. Workforce Wave reads your institution website and connects to the platform you already use for account lookup, wire verification, and loan pipeline management.
How does Workforce Wave handle GLBA data requirements for financial institutions?
Workforce Wave is built for GLBA compliance: call recordings are encrypted, personally identifiable financial information is handled according to the Safeguards Rule, and data access is scoped to what each agent needs to perform its configured role. The AI does not retain sensitive account data beyond the call session. Your institution maintains data control.
Can Workforce Wave handle Reg E disputes and account service calls?
Yes. Workforce Wave handles tier-1 account service calls including statement charge inquiries, transaction identification, and Reg E dispute initiation. The AI identifies the transaction, provides merchant details if available, and routes to your disputes team when the customer does not recognize a charge — with a complete call summary already attached.
Get Started
Every call handled within regulatory bounds — automatically.
Workforce Wave reads your institution website and builds your agent automatically. No manual setup, no prompt engineering, no long-term contract.
Create your first agent freeNo credit card required.