Pangolin Consulting

AI Solutions

Capture, assess, decide, assist. Practical AI across the financial services operating model.

Investing in AI isn’t about automation for its own sake. It’s about enabling intelligence across the enterprise. We build systems that capture, normalise and interpret the information financial institutions actually deal with, then put that intelligence where decisions get made.

The four stages below are how we scope almost every AI engagement, whatever the sector.

Ingestion: capture and structure

Statements, tax returns, contracts, invoices, submissions, bordereaux, custodian files, counterparty feeds, telematics, imagery. We ingest and normalise these at scale so data arrives analysis-ready rather than queued for manual entry.

  • Documents and transactions: bank statements, tax returns, payroll, entity documents, applications and unstructured records extracted and standardised
  • Third-party and market data: bureau, pricing, corporate actions, premium and partner feeds enriched and harmonised
  • Reconciliation inputs: custodian, clearing and processor files matched against your books
  • Sensors and imagery: telematics, property and collateral imagery structured for inspection

The hard part is rarely extraction. It is reconciling sources that disagree, and knowing when to stop and ask a human.

Assessment: score and monitor

Applying models to historical and live data turns capture into evaluation.

  • Credit and risk scoring: exposures, behaviours and ability to pay, for sharper pricing and limits
  • Fraud, AML and surveillance: anomalous patterns, sanctions and PEP hits, and alert triage that cuts false-positive review load
  • Compliance monitoring: communications, vendor networks, policy documents and disclosures checked continuously rather than sampled

Decisioning: optimise and automate

  • Credit and coverage decisions: clear approvals and clear declines automated, genuine judgement calls routed to a person, every input and rule recorded
  • Claims and exception handling: intelligent routing, settlement support, break classification
  • Portfolio management: capital allocation, reinsurance, concentration and workforce planning under predictive models

Assisting: empower people

  • Expert copilots: file summarisation, risk highlighting, drafted documentation and correspondence
  • Guidance and training: real-time checklists and scenario simulation for new staff
  • Proactive alerts: compliance warnings, exception aging and portfolio stress tests, pushed rather than pulled

The constraint that shapes everything

In regulated finance, an AI decision must be explainable months later to someone who was not there. That rules out architectures that cannot show their inputs. We design for adverse-action requirements, model governance and audit from the start, which is far cheaper than retrofitting it.