Deposit Base Forensic Audit
Which deposits would an AI agent move first?
If your institution pays up for deposits, which rates could you lower without putting key balances at risk? If your deposits are inexpensive, how long could that advantage last?
A bounded review of deposit exposure for community banks, credit unions and banks running deposit programs. KYA Advisory examines balances, rates, activity, access controls and agreements. Your team receives an exposure assessment, funding-cost scenarios and a prioritized action plan.
The review identifies relative exposure and tests scenarios. It does not predict individual withdrawals or guarantee retained balances.
What we examine
- Rate gap exposure. Compare actual rates with dated, comparable alternatives. Account for eligibility, fees, balance limits and relationship benefits.
- Idle balances and concentrations. Separate potentially mobile balances from operating, seasonal or restricted funds. Examine large balances and related accounts without double counting.
- Aggregator and agent footprint. Review available connections, logs and permissions. Distinguish read-only access from authority to transfer funds. A connection alone does not prove agent use.
- Agreements and controls. Examine access, delegated actions, transfers, revocation and responsibility. Cite agreement versions and flag questions for counsel.
- Faster withdrawal scenarios. Test stated withdrawal amounts and timing against liquidity, replacement-funding options and escalation steps. Scenarios are not forecasts.
- Cost of the response. Compare repricing, replacement funding and a smaller balance sheet. Show funding-cost, margin and liquidity trade-offs. Replacement or shrinkage is not deposit retention.
What you get
One report. All the deposit insights.
- An exposure map and scenario table, with sources, assumptions, confidence and missing evidence beside the findings.
- A funding-response comparison covering retention, replacement and balance-sheet choices.
- An agreement and control gap list, plus a 90-day action plan with accountable roles.
- A supporting evidence file and a one-hour readout focused on the decisions your institution must make.
The target is 14 business days after complete, reconciled inputs and agreed reviewer availability, with a one-hour readout.
Which balances should the institution defend, where should pricing change, which access controls need work, and when should contingency funding begin?
What we need from you
- A coded account-level file with balances, rates, product codes and open dates.
- Linked 90-day transaction summaries and institution-approved population and balance totals.
- Current deposit and online access agreements, available connection logs and the liquidity plan.
Where available and agreed, 12 to 24 months of balance and rate history supports deeper analysis. Limited history means more reliance on stated assumptions.
We reconcile the population and balances to institution-approved totals before drawing conclusions. Missing fields and exceptions remain visible.
Use stable coded account IDs. Exclude customer names, account numbers, credentials and transaction narratives. Agree the transfer route, recipients, provider processing, retention and deletion before intake.
Go deeper
- Agent clause drafting for counsel's review.
- Know Your Agent program build and permission layer design.
- Liquidity plan updates and quarterly re-runs using updated records.
Follow-on work needs its own agreed scope. Re-runs use updated records; they do not imply continuous monitoring.
Frequently asked questions
How is our data handled?
The handling arrangements are agreed before intake, including access, provider processing, retention and deletion. Do not send deposit files through the website inquiry.
Who does the work?
The written scope names the reviewer and any specialists, their responsibilities and the institution's decision owner before work begins.
What is the evidence file?
It contains source dates, data definitions, reconciliations, assumptions, calculations, findings and open questions. Your team can trace each conclusion to its support.
What happens if you find nothing?
The report explains the work completed, its coverage and remaining uncertainty. No finding does not prove zero exposure.
Why review deposit exposure now?
AI agents could make rate shopping and cash transfers easier. Wells Fargo's upcoming Online Access Agreement addresses third-party AI agents in Section 15. It takes effect November 24, 2026. This is a bank contract, not a regulatory deadline for other institutions.
Source: Wells Fargo, upcoming Online Access Agreement, Section 15. Checked October 22, 2026.