Cookbooks / Sector cookbook
Regulated financial services
Accelerator for operating in the EDAVEN hub
Credit, risk and compliance with decisions that are explainable, contestable and traceable, for institutions supervised by the Central Bank of Brazil.
A ready starting point for your industry
The cookbook is the offer version of the knowledge on this topic: it comes from the BoK, is implemented by Services with the CoE and starts running in the EDAVEN fabric, with people and agents working together.
- The knowledge
- BoK. Method, decisions, recipes and data for the topic, ready to adapt to your case.
- The implementation
- Services. The Arcogi team and the CoE apply the recipes to your case, as contracted.
- Where the operation runs
- The fabric. Data Ready, Organization and Agents and Decision Intelligence, as the case requires, with people and agents.
What the market is facing
Supervised institutions decide credit, risk and compliance under growing scrutiny, with scattered data and the need to explain every decision. The pressure is to gain speed without losing clarity.
Pains the cookbook solves
Each pain has an answer in recipes applicable to your case.
What it costs today: Credit decisions that are hard to explain and to contest later.
What the cookbook changes: Recipes that organize evidence, the criteria applied and the justification of each decision.
What it costs today: Regulatory reports assembled by hand, every cycle.
What the cookbook changes: Data products with origin and lineage that feed the reports.
What it costs today: Risk and anti-money-laundering signals arrive late or without context.
What the cookbook changes: Triage recipes that gather context and evidence and propose a referral to the responsible person.
Executive view
Decisions gain method, indicators defined beforehand and a reading of the effect afterwards.
Decisions it organizes
- Credit
- Risk
- Liquidity and finance
- AML/CFT and compliance
- Data and customer
- Payments
- Cooperatives
- Regulatory reporting
- Strategy
What your leadership receives
- Prioritized decisions, with an owner and a baseline.
- Recipes applied to your case, first in shadow operation.
- Indicators defined beforehand and measured afterwards.
- The proposal for the next step, with an exit criterion.
Technical view
Which data goes in, how the recipe is organized and where it connects.
Data and source systems
- Applications, contracts and the credit portfolio
- Customer records and behavior
- Transactions and payments
- Limits, collateral and delinquency
Connections
Open to adapters and connectors with the ecosystems you already use, such as Snowflake, Databricks, AWS, GCP, Microsoft and others. Connections are defined in each project.
What comes with each recipe
- Problem and decisionGoal, context, alternatives and expected result.
- Data and indicatorsSources, definitions, quality and starting reference.
- People and agentsOwners, activities and approvals.
- Application and evidenceAdaptation roadmap, tests, exceptions and measurement.
How to start
From the first case to continuous operation, a ladder with an exit criterion at each step.
Organize and govern what already runs
Organization & Agents
Organize and govern the agents that already exist, each with an owner, an accepted limit and a record of every act.
Structure the first case
VÉRTICE Executivo
A critical decision is read end to end: data, owners and baseline. It ends with the chosen recipes and the proposal for the next step.
Apply a capability
Decision Sprint
One to three recipes run in shadow operation, beside the human decision, on the baseline.
Operate and follow
MDC · Managed Decision Cell
The recipes start operating under supervision, and the effect is tracked against the baseline.
Recipes guide adaptation and supervised implementation. Scope, integrations and acceptance criteria are defined in the proposal; examples and screens use synthetic data.
Which part of your operation needs to move forward?
Start with a recurring decision or an outcome that matters. Together we identify the data, people and first capability required.