re:agent™
re:agent is purpose-built for banking, leveraging intelligence-driven capabilities to transform the way in which work is executed across traditionally disparate teams. The platform amplifies risk and compliance teams throughput enabling them to move faster, cheaper, while maintaining the highest standards of practice and quality but without imposing bottlenecks to what matters most: growth and revenue generation.
re:agent is comprised of goal-seeking AI-powered features that unify your organization: Active Oversight works across your entire governance documentation estate, reducing bloat and redundancies and ensuring that policies, standards, procedures and controls are compliant and fit for purpose now and as conditions change. Business Catalyst reduces new financial product approval timelines by conducting compliance in real time during design which allows business teams to make money faster.
re:agent — How The Platform Works
The AI Operating Layer for Regulated Financial Institutions
Operates above Layers 1–3 (Archer / ServiceNow). Delivering forward-looking compliance intelligence and automated validation matrices for active 1LOD and 2LOD banking teams.
re:agent Active Oversight
Compliance documentation, finally under control
Your governance estate wasn't designed. It accumulated. Hundreds of policies, procedures, standards, and controls — added regulator by regulator, audit by audit, restructure by restructure — until no one can tell you exactly what's current, what conflicts, what's missing, or what applies to which entity. Compliance teams spend their days holding it together by hand. The problem isn't expertise. It's the operational load of keeping thousands of pages classified, rationalized, mapped to changing regulation, and ready for the next exam.
Active Oversight carries that load. Continuously. Your team stays in charge of every decision — Active Oversight does the work of finding, structuring, and surfacing what needs their attention, so their expertise goes to judgment, not administration.
How The Product Works
Active Oversight continuously monitors your governance estate the way an expert compliance team would — if they had time to do it properly. It reads every policy, procedure, standard, and control, maps each to applicable regulations, and identifies gaps, conflicts, and outdated material. When regulations change, it reassesses everything affected.
The analysis is grounded in structured regulatory content — CFR, state statutes, supervisory guidance — paired with Rational Exponent's proprietary taxonomies and scoring methodologies. The result is defensible analysis, not generic AI output.
Your team owns every decision. Active Oversight does the reading, mapping, and scoring. And it captures the reasoning behind every expert call, institutionalizing knowledge that used to leave when senior people did.
A validated inventory of your complete documentation estate
Every policy, standard, procedure, and control classified, every governance relationship mapped, before any analysis begins.
Capabilities: Document Classification, Document Relationship Mapping
re:agent automatically classifies each document and maps how policies connect to standards, procedures, and controls. Reviewers confirm or override every classification before anything proceeds. You start from an accurate picture of what you actually have — built by the system, validated by your team.
One authoritative policy library, free of redundancy
Conflicting and overlapping content identified, ranked by severity, and resolved with a full audit trail.
Capabilities: Policy Rationalization, Content Excise
re:agent surfaces redundant, conflicting, and contradictory content across your policy library and scores the most problematic overlaps so your team works through them in priority order. Your team decides what to consolidate, what to split, and where content belongs — the system identifies the issues and presents options, people make the call. Everything is consolidated to a single authoritative source. Important detail buried across multiple documents is preserved in the process, just reorganized into the right place.
Consistent structure across your entire portfolio
Every document converted to your approved policy format automatically.
Capability: Template Conversion
re:agent applies consistent headers, section hierarchy, and formatting across your full document portfolio. Your team reviews and approves the converted output before it replaces the original. Every document comes out clean, structured, and machine-readable, making them easier to compare, easier to update, and more reliable as inputs to regulatory assessment.
Expert-level regulatory analysis, applied to every document
Every gap identified, every requirement mapped, every remediation action tracked from identification to resolution.
Capabilities: AI-Powered Policy Authoring, Assessment Traceability
re:agent draws on the CFR, state statutes and regulations, regulatory guidance, current supervisory priorities, and industry frameworks to assess each document against the obligations applicable to your entity profile. Applicable obligations are mapped to relevant policy domains and archetypes to determine whether policies sufficiently address regulatory expectations. Every gap is paired with suggested remediation language grounded in requirement-level traceability. Regulatory SMEs validate the extraction of obligations from source regulations, the translation of regulations into policy requirement language, requirement-to-policy mappings, and the criticality classification of adherence findings — a layered QA approach that mitigates omission risk and misinterpretation. Accept, edit, or reject each suggestion inline, then route to peer review in the same workflow. A permanent end-to-end record links every finding, requirement, and decision.
Automatic awareness of every regulatory change that matters
Material changes detected daily, affected policies flagged — no manual tracking required.
Capabilities: Regulatory Change Monitoring, Policy Analysis Dashboard, Regulatory Coverage Dashboard
re:agent monitors the CFR continuously and classifies each change by materiality, distinguishing significant updates from minor ones and identifying which of your policies are affected. Changes are surfaced for your team to review and act on — the system flags what matters, your team decides how to respond. A centralized dashboard gives portfolio-wide visibility of adherence status and coverage across every applicable requirement. Your team knows what changed and what needs attention without anyone manually tracking regulatory publications.
Why it matters
Most institutions are managing a documentation estate that has grown over years. The problem is not a lack of effort or expertise. It is that keeping a large, complex governance framework in genuine good order has historically required more manual work than most teams can sustain. Active Oversight carries that operational load so your team's expertise goes toward judgment, not administration — while ensuring that every system output is reviewed, confirmed, or redirected by the people accountable for governance decisions.
re:agent Business Catalyst
From idea to approval-ready, faster — and compliant for the life of the product.
If you've ever waited two years to launch a credit card that should have taken two months — you know the problem.
If you've watched a good product die in committee because the regulatory questions took eight weeks to answer and the market had already moved — you know the problem.
If you're a product manager drafting concepts around what compliance might say, or a compliance officer answering the same routine question for the tenth time this quarter, or a CEO watching first-line resources spend their days on regulatory administration instead of generating revenue — you know the problem.
We know it too. Business Catalyst is how you fix it.
The problem isn't compliance. It's the architecture.
Historically, banks have run new product introduction the same way:
Each handoff is rational. The cumulative cost is what kills you.
Two-year launches. Missed market windows. Exhausted teams.
Your compliance team isn't the problem. They're doing exactly what they're supposed to do. The problem is that regulatory intelligence has been locked inside the second line — because that's the only place expert enough to hold it. So every product question waits in the queue.
Business Catalyst changes where the intelligence lives.
What changes — and what doesn't
We don't make your product team into compliance experts.
That would take decades — and it wouldn't work.
We do make regulatory intelligence comprehensible, consumable, and actionable for the people building the product.
The applicability call, the relevant rule, the policy conflict, the remediation option — surfaced in language they can use, at the moment of the design decision.
Your compliance team doesn't disappear.
We do not shift the burden to first-line.
Your compliance team becomes what they were trained to be: reviewers and approvers.
Judgment and oversight stay with the experts. The administrative load goes to the system.
The first line stops waiting. The second line stops grinding. Approvals stop being a bottleneck.
How The Product Works
Business Catalyst is a goal-seeking system for product launch and ongoing governance.
You define the goal. Product concept, business objective, operating constraints.
The system determines what's required. What must be true for launch. What artifacts are needed. What gaps must close.
Your team approves every decision. Always.
At launch
A purpose-built workspace for product design
Concept and iterate in a structured environment. Adjust features and configurations without restarting the compliance review.
Capability: Workbench for Product Ideation
Business Catalyst gives product specialists a purpose-built environment to concept new financial products in a structured form the system can analyze. Teams can iterate on product design freely, adjusting features, configurations, exploring alternatives without triggering a full restart of the compliance review. The workbench holds the work in progress and keeps analysis current as the product evolves.
Real-time compliance analysis, as you build
Every product feature evaluated continuously against your regulatory scope, internal policies, risk appetite, and control library. Issues surface as they arise — not at the end of a six-week review.
Capability: Real-Time Compliance Analysis
Business Catalyst evaluates each product feature continuously against applicable federal and state regulations, your institution's internal policies, standards, your risk appetite, and your existing control library. Issues surface as they arise not at the conclusion of a weeks-long analyst review. The team building the product and the team approving it are working from the same information at the same time.
Specific resolutions, not just flagged problems
When a gap appears, Business Catalyst proposes the fix — a product amendment or a policy exception draft — with the reasoning shown. Accept, modify, or reject directly in the workflow.
Capability: Actionable Remediation Guidance
When a product feature creates a compliance gap, Business Catalyst identifies the specific requirement at issue and proposes a resolution: an adjustment to the product design that brings the feature into compliance, or a policy exception draft where that is the appropriate path. The reasoning behind each suggestion is visible. Teams can accept, modify, or reject each recommendation directly in the workflow.
An approval package built continuously
Every analysis, decision, and rationale captured the moment it's produced. By the time the product reaches second-line review, the package is complete and defensible. No reconstruction under deadline.
Capability: Examination-Ready Evidence
Business Catalyst captures every compliance analysis, design decision, exception, and approval rationale at the moment it is produced. The approval package is not assembled manually when the product reaches submission. It is built continuously throughout the design process, in audit-grade form, and is complete and defensible by the time the product is ready for second-line review.
After launch
Products validated automatically against regulatory change
When a rule changes, every active product is reassessed. Affected products surface with the specific feature, the obligation, and a remediation option — ready for second-line review.
Capability: Continuous Regulatory Validation
Live products do not sit still, the regulations around them change. When a regulator amends a rule, issues new guidance, publishes a supervisory letter, or closes an enforcement action that shifts interpretation, Business Catalyst evaluates every active product definition against the change. Affected products are identified by specific feature and obligation, and remediation options are surfaced ready for second-line review. The institution stays current without relying on manual monitoring.
Disclosures updated when markets move
Prime rate shifts. Reference rates change. Fee schedules adjust. Business Catalyst identifies every impacted disclosure, drafts the update, routes it through approval. A week of coordination becomes hours.
Capability: Market-Event-Driven Disclosure Maintenance
Product disclosures are tied to underlying market data: prime rate, reference rates, fee schedules, index values. When those move, disclosures across the portfolio need to update, get re-reviewed, and be re-issued to customers. Business Catalyst monitors the relevant market events, identifies every impacted disclosure, drafts the updates, and routes them through the approval workflow. Work that took a week of coordination per event now takes hours.
One view of the full portfolio impact
A single regulatory or market change rarely hits only one product. See the cascade across credit cards, deposits, loans, treasury products, and fee structures — prioritized by exposure and timing.
Capability: Portfolio-Wide Change Propagation
Business Catalyst maps how a single regulatory or market change flows across the institution's full product portfolio: credit cards, deposits, loans, treasury products, fee structures and presents the complete impact in one view, prioritized by exposure and timing. Teams address the full scope of a change rather than discovering affected products one at a time.
Examination readiness, maintained continuously
The audit trail doesn't stop at launch. Every post-launch evaluation and update is captured with the same decision provenance as the original approval. When an examiner asks how you responded to a rule change six months ago, the answer is already assembled.
Capability: Examination Readiness, Maintained
Business Catalyst extends the audit trail beyond launch. Every post-launch compliance evaluation, every disclosure update, every response to a regulatory change is captured with the same decision provenance that produced the original approval package. When an examiner asks how the institution responded to a rule change six months ago, the answer is already assembled with no reconstruction required.
Why this matters now
Most institutions accept this as the cost of prudent operations.
It is not. It is the cost of an architecture that hasn't changed.
Business Catalyst changes the architecture. Compliance moves into the workflow. Approval packages build as you work. Post-launch maintenance runs continuously across the entire portfolio.
Speed and rigor stop being in conflict.
You launch faster. You stay compliant for the life of the product. Your compliance team gets to do the job they were trained for.