Standalone AI agents in Financial Services Operations
Leverage AI agents in FSO to accelerate dispute resolution and assist with front-office customer servicing. These agents automate routine steps and provide recommendations, keeping humans in the loop for final decisions.
The following table describes the available AI agents in Now Assist for FSO.
| Agents | Agent role |
|---|---|
| Merchant analysis for disputes AI agent | Assesses merchant credibility in the context of the disputed transaction's reason, using web intelligence and internal dispute history, eliminating manual research. |
| Nacha operating guidelines check AI agent | Verifies chargeback eligibility of transactions against Nacha operating guidelines without relying on complex system rules. |
| ACH dispute return recommendation AI agent | Combines merchant risk analysis and Nacha eligibility checks to provide clear, consistent recommendations, whether to file a return, deny the claim, or request more documentation. This helps dispute agents to make faster, more accurate, and compliant decisions. |
| Dispute communication AI agent | Automates and streamlines communication with customers and Originating Depository Financial Institutions (ODFIs) throughout the ACH dispute life cycle. The agent generates, personalizes, and sends timely, compliant email notifications related to dispute outcomes, whether filing a return, denying a dispute claim, or requesting additional supporting documentation. This ensures clarity, regulatory adherence, and efficient case resolution. |
| Banking CSR customer insights AI agent | Provides interactive customer insights by displaying relevant actionable customer insights in a clear, organized format. This feature helps you quickly explore and access meaningful customer data to identify opportunities and determine appropriate next steps. |
| Banking CSR support AI agent | Acts as a copilot for customer support representatives (CSRs) during customer interactions to assist with banking inquiries. This includes providing information about accounts (checking, savings, loans, cards), transaction history and details, balance inquiries, credit score checks, product eligibility, mortgage and loan details, deposit accounts, payment history, financial account summaries, and general banking policies or procedures. |
Role masking
Required roles: sn_bom_credit_card.dispute_agent_connector, sn_bom_credit_card.dispute_agent, and now_assist_panel_user.
AI agents use role masking to determine which users can access them. Ones installed with Now Assist applications have specific roles that come included with the application. If you select Users with specific roles for user access, you must configure the security controls to include these roles. For the instructions to change the security controls, see Define security controls for an AI agent.
In the data access settings, you must also add the necessary roles to the FSO AI agents listed in the table above.