Introducing re:agent™
An AI-powered risk and governance platform purpose-built for financial institutions. We bring regulatory intelligence to your policies, controls, and product launches so your teams can move faster, with confidence.
AI Solutions Designed for Banks. Built By Bankers.
We are bankers, technologists, and regulatory experts who spent careers inside the institutions we now build for. We know how the industry works, and are on a mission to make it more efficient, productive and prudent. We built re:agent to make that possible for banks, credit unions, broker-dealers, and any institution operating as a regulated entity.
Platform Applications
Modernizing Risk Management and Compliance Through AI
Financial institutions face a persistent drag from processes that don’t match the speed of modern business. Legacy approaches create friction, consuming the time of key personnel, slowing business growth, and making it harder to demonstrate to regulators that their requirements are genuinely being met.
re:agent gives you the intelligence to operate at the pace the business demands. It is purpose-built for financial institutions, not adapted from a general-purpose tool.
re:agent Active Oversight
Your governance framework, continuously monitored, current, and examination ready.
Active Oversight continuously analyzes your policies, standards, procedures, and controls, identifying gaps and surfacing remediation recommendations validated by regulatory subject matter experts. The result is a framework that stays current, consistent, and ready for examination.
Active Oversight continuously analyzes your policies, standards, procedures, and controls, identifying gaps and surfacing remediation recommendations validated by regulatory subject matter experts. The result is a framework that stays current, consistent, and ready for examination.
re:agent Control Room
Your controls inventory, rationalized, assessed, and traceable to the obligations that mandate them.
Control Room brings intelligence to your controls: rationalizing your inventory and eliminating bloat, assessing each control against the regulatory standards that govern it, and recovering the authority chains that time and organizational change have broken. The result is a controls framework your team can verify, evidence and stand behind.
Control Room brings intelligence to your controls: rationalizing your inventory and eliminating bloat, assessing each control against the regulatory standards that govern it, and recovering the authority chains that time and organizational change have broken. The result is a controls framework your team can verify, evidence and stand behind.
re:agent Business Catalyst
Your products, ready to launch in record time, with compliance baked in from day one.
Business Catalyst surfaces relevant regulatory obligations during product design, so compliance review is embedded from the start rather than bolted on at the end. By the time a product is ready for approval, the analysis is complete with full supporting documentation and a submission-ready package.
Business Catalyst surfaces relevant regulatory obligations during product design, so compliance review is embedded from the start rather than bolted on at the end. By the time a product is ready for approval, the analysis is complete with full supporting documentation and a submission-ready package.
We Make Regulatory Resilience a Competitive Advantage.
Between 2020 and 2024, U.S. banking regulators imposed over $4.3 billion in penalties for policy and governance failures. In every case, it wasn’t operational error, but policies, procedures, and controls that were inadequate, inconsistent, or not maintained.
Here’s how re:agent addresses that directly:
Risk Reduction
re:agent improves consistency across policies, procedures, and controls; identifies gaps and conflicts in documentation; and ensures greater traceability and alignment between regulatory requirements and internal controls. Institutions are better positioned for examination and more resilient to enforcement risk.
Faster Time to Market
re:agent enables financial institutions to bring new products to market faster by surfacing regulatory requirements during product design, so governance is embedded from the start, and approval packages are ready when the product is finalized.
Workforce Amplification
re:agent enables risk and operations teams to operate at greater scale by automating manual tasks, accelerating reviews, and embedding AI-driven risk intelligence into daily workflows, allowing teams to focus on higher-value decision-making rather than repetitive documentation work.
Cost Reduction
re:agent reduces operational costs by streamlining redundant processes, rationalizing overlapping policies, procedures, and standards, shortening review and audit cycles, and reducing the need for incremental headcount and consultants as regulatory complexity grows.
Get Started Today
Rational Exponent makes it straightforward to see value from day one, without complex retraining or process overhauls. Our expert-led onboarding connects re:agent to your existing systems quickly and with minimal disruption.
ASSESS
We evaluate your existing workflows.
INTEGRATE
We connect re:agent to your systems with minimal disruption.
SCALE
We support your ongoing optimization, so you stay aligned with regulations and business growth.
Schedule a demo and we’ll walk through your institution’s specific regulatory obligations, governance structure, and how re:agent maps to your team’s workflow.