- An investigation agent collects customer history, linked accounts, transactions and prior cases for a flagged alert, and builds a timeline with every source cited.
- Enterprise h2oGPTe drafts the SAR narrative from that case file in your institution's template, for your analyst to edit and approve.
- The agent does not file anything: your analyst decides whether the activity is suspicious, and your filing process stays the same.
- Your case management system stays the system of record, and every query, source and edit is kept with the case for quality review and audit.
Your investigators spend the case gathering, not deciding
One alert can mean opening the core banking system, the card platform, the KYC file, prior cases and open-source searches before an investigator forms a view. Most of the case time goes into collecting and copying evidence.
When the activity is suspicious, the SAR narrative has to explain who, what, when, where and why in words a regulator can follow. Writing it well takes your most experienced investigators, and filing deadlines do not move when the queue grows. Fraud and anti-money-laundering teams often work the same customers in different systems, and quality review needs to see what each investigator looked at.
How financial crime investigation works
H2O AI Super Agent does the gathering and the first draft. Your investigator does the judgment, and your case management system keeps the record.
Step 1: open the case from your queue
A case starts from a transaction-monitoring, fraud or screening alert, or an investigator assigns it.
Step 2: gather the evidence
An agent queries the systems you connect: customer and KYC records, accounts, transactions, counterparties and prior cases, under the permissions you grant.
Step 3: build the case
The agent links related accounts and counterparties, lays out a timeline, and runs the pattern checks your typologies define, such as repeated cash deposits just under a reporting threshold. Each finding carries a citation to the record it came from.
Step 4: draft the SAR narrative
Enterprise h2oGPTe drafts the narrative in your template from the case file, using retrieval-augmented generation over your policies and past approved narratives. H2O Document AI extractors can fill structured fields, such as subject details and amounts, from the case documents.
Step 5: review, decide and file
Your investigator reads the draft beside the evidence, edits it and decides whether to file. The agent does not file, and the person who signs the report stays the same.
Try it
One working demo shows the investigation side of the workflow on sample data: a bank customer's repeated cash deposits just under a reporting threshold, investigated for potential structuring, with the agent gathering data, running pattern checks, scoring the risk and recommending next steps for the analyst to decide.
Proof
H2O can be used to gather case evidence and draft SAR narratives for analyst review, and the demo shows the investigation workflow on sample data. No customer result for investigation or SAR drafting is published, so this page describes the pattern, not a deployment.