Training & Certification Agent AI

Invoked when: a new joiner event is received from the HRMS, or an annual certification renewal date approaches for an existing employee

• –Assigns the role-appropriate training modules to each new joiner within 24 hours of their HRMS record being created — the BSA/AML awareness module and UDAAP / fair lending standards module are mandatory for all staff; the KYC / CIP/AML procedures module is mandatory for all client-facing and underwriting staff; the IT security awareness module is mandatory for all staff with system access. Role-specific modules are assigned based on the employee's department and function in the HRMS. The module assignment is automatic and deterministic — no manual intervention is required to ensure a new joiner receives the correct training package.
• –Sets a 30-day completion deadline for all initial training modules — a deadline that provides adequate preparation time while ensuring new joiners are certified before they are authorized to engage in activities that require training certification. Where a new joiner's onboarding timeline is compressed (a same-day start for a critical role), the agent flags the compressed deadline to the CCO for a risk-assessed exception rather than applying the standard 30-day window to a scenario where the deadline would fall after the employee has already been active in the role.
• –Manages annual certification renewals — identifying the employees whose certifications are expiring in the next 30 days, reassigning the relevant modules 30 days before expiry, and tracking completion before the expiry date. A lapsed certification is a compliance finding in a Fed / OCC inspection; the 30-day advance assignment ensures that employees have adequate time to complete the renewal without the certification lapsing.

Invoked continuously — dashboard updated in real time as completions are recorded in the LMS

• –Maintains a real-time certification completion dashboard — the current certification status of every employee for every mandatory training module, expressed as the completion rate by module and department. The dashboard is the CCO's primary tool for pre-inspection readiness assessment; an inspection-ready compliance programme requires 100% completion across all mandatory modules for all active employees. The dashboard shows the gap between the current position and the 100% target, with the specific employees and modules that are outstanding.
• –Sends escalating reminders to employees whose training is overdue — an automated reminder at 7 days before the deadline, a second reminder at 2 days before the deadline, and a manager notification at 1 day before the deadline. The manager notification is the final escalation before the deadline — placing the overdue certification on the manager's radar as a direct people management issue rather than a compliance department administrative matter.
• –Generates completion certificates for employees who finish their modules and passes the certification records to the compliance register — the permanent record that demonstrates to an Fed / OCC inspector that specific employees were certified on specific modules on specific dates. The certification register is stored in a format that can be produced for inspection at 24 hours' notice.

Invoked when: a new Fed / OCC bulletin is received — a quiz on the bulletin's key compliance requirements is dispatched to relevant staff within 5 business days

• –Generates a 5-question multiple-choice quiz from each new Fed / OCC bulletin — testing staff on the specific obligations, definitions, and procedures that the bulletin introduces or modifies. The quiz questions are drafted by the agent from the bulletin text and reviewed by the CCO before dispatch — the CCO's review is the quality gate that ensures the questions accurately reflect the bulletin's requirements and are appropriately calibrated for the target audience. The quiz is not an assessment of general regulatory knowledge; it is a targeted check that staff have read and understood the specific obligations in the new bulletin.
• –Routes the quiz to the relevant staff population based on the bulletin's subject matter — a credit-related bulletin goes to the underwriting and credit teams; a collections-related bulletin goes to the collections team; a bulletin with broad applicability goes to all staff. Routing is based on the department-function mapping in the HRMS; a bulletin tagged as broadly applicable triggers organisation-wide dispatch.
• –Records quiz completion and scores in the training register — alongside the module completions from the standard training programme. A regulatory quiz pass rate below 70% in a specific department indicates either that the quiz questions were poorly calibrated (a content issue) or that the staff in that department have not adequately absorbed the bulletin's requirements (a training effectiveness issue). Low pass rates are flagged to the CCO for review; remediation (a re-quiz or a targeted training session) is a CCO decision.