Industries · Financial Services
Fred for banks & credit unions.
Answer member and account questions, capture leads, and book appointments around the clock. Configure guardrails for your business and reserve professional decisions for your team.
Every member, captured and routed.
Someone wants to open an account or asks about a CD rate at 9pm. Fred answers the general questions, captures the lead, and books time with a banker, while account access and exact figures stay behind secure verification with your team.
What Fred does
- Answers products, hours, and general account questions
- Captures new-account and product leads
- Books appointments with a banker
- Directs account-specific requests to your team’s identity-verification process
When Fred hands off to you
- Account access or a balance or transaction request
- Suspected elder financial exploitation or fraud
- A money-laundering or structuring red flag
- A member ready to open or move an account
What Fred won’t do
- Access account details or move money over chat
- Promise a return or call anything risk-free
- Give investment or suitability advice
Pre-configured for banks and credit unions: deposit accounts, CDs, cards, and general member questions; account access handled securely by your team.
Branch is closed. Fred opens the conversation.
Talk to Fred.
Server-side guardrails
Example rules to review and configure for your deployment.
Every banking deployment runs the Retail Financial Services pack. The panel below illustrates industry rules, custom rules, and intended boundaries. Configured checks target recognized patterns; they can miss context or flag harmless content. Confirm the active rules and test them for your deployment. Example messages are illustrative and must be adapted to your services and escalation workflow.
Automated Guardrail Actions
Pack rules enforced in addition to baseline protections.industry.financial-retail
| Rule ID | Action | Severity | Phase | Message | Triggers |
|---|---|---|---|---|---|
| fin-elder-exploitation-escalate | ESCALATE | S4 | input | This is a serious concern. Please contact the account provider through its verified support channel for help with this concern. | contains: someone is taking my money, my caregiver controls my account, power of attorney is stealing +11 |
| fin-guaranteed-returns | DENY | S4 | output | I can't promise investment returns. All investments carry risk and require licensed advice based on your individual situation. | contains: guaranteed return, risk free, double your money +12 |
| fin-aml-escalate | ESCALATE | S3 | input | I need to connect you with our compliance team for this type of inquiry. They can assist you properly and securely. | contains: large cash deposit, structuring, smurfing +12 |
| fin-no-suitability-advice | DENY | S3 | input | Investment and lending decisions depend on your complete financial picture. I can share general education, but personalized recommendations require a licensed advisor. Let me connect you with one. | contains: should I invest, what stock to buy, recommend a stock +17 |
| fin-no-rollover-advice | ESCALATE | S3 | input | Rollover and retirement account decisions have significant tax and fiduciary implications. Let me connect you with a licensed advisor who can evaluate your specific situation. | contains: roll my 401k, rollover my ira, transfer my 401k +10 |
| fin-identity-verification | ESCALATE | S3 | input | I can't access account details in this channel. Let me connect you with a licensed advisor who can assist you securely. | contains: account balance, transaction history, my account +14 |
| fin-complaint-escalate | ESCALATE | S2 | input | I take this seriously. Let me connect you with our compliance team who can address your concerns and ensure they're properly documented. | contains: file a complaint, report your company, FINRA complaint +15 |
| fin-product-interest-escalate | ESCALATE | S2 | input | Great, let me connect you with an advisor who can walk you through our options and find the right fit for your goals. | contains: open an account, interested in a CD, IRA options +17 |
| fin-reg-bi-disclaimer | DISCLAIMER | S2 | output | contains: investment, portfolio, securities +13 | |
| fin-disclaimer | DISCLAIMER | S2 | output | contains: apr, apy, interest rate +9 |
Hard limits
Intended boundaries for the configured rules. Detection and handoff are not guaranteed.
- Do not give investment, suitability, or rollover advice, that needs a licensed advisor
- Do not promise a return or call anything risk-free
- Reserve account access and identity verification for your approved banking channels
- Configure routing for elder-exploitation and money-laundering red flags to compliance. Check receipt and follow-up.
Your custom rules
Layered on top of the pack, unique to your business. No developer required.
The pack is the starting line, not the ceiling. Every deployment can add its own rules in the admin, block, warn, or just log on any phrase you choose, in either phase, with your own response message. They run right alongside the pack.
- BLOCKoff-topic requests that aren't your business
- WARNbefore any rate or return is stated over chat
- LOGwhen a visitor asks about a specific account
These industry rules stack on top of the always-on baseline, your region’s privacy and consumer-finance rules, and macro overlays. See how the guardrail layers work
Know which lead to call back first.
With an enabled integration, Fred can send lead scores and conversation summaries to your system. Delivery depends on your configuration and the receiving system.
Banking questions.
Will Fred access my account?
Use your bank’s approved authenticated channels for balances, transactions, and money movement. Fred’s intended role here is general information and appointment intake. Confirm that your configured tools and permissions match that scope.
Can Fred give me financial advice?
No. Fred shares general education and routes anything requiring a licensed professional to your team. It won’t promise returns or recommend products.
What if someone reports fraud or exploitation?
Fred treats it seriously, escalating suspected elder exploitation, fraud, and money-laundering red flags to your compliance team through the configured workflow.
Can it open an account?
Fred captures the lead and books time with a banker to complete it securely. It won’t open or fund an account itself.
Grow every relationship. Stay in your lane.
Choose a plan, configure Fred for your business, and test before launch. Or ask Fred a question in the corner of this page.