Regulatory Return Preparation Assistant

• Head of Regulatory Reporting
• Chief Financial Officer
• Chief Compliance Officer
• Financial Controller

Banks file a long calendar of returns to RBI, from Form A and Form VIII to BSR, ALM and large-credit reporting, many of them through the CIMS portal. The figures come from core banking, treasury and GL systems, but the mapping from source data to each return line often lives in spreadsheets and in the heads of a few people.

We build a preparation assistant around your existing reporting process. A language model reads the return instructions, RBI circulars and your internal mapping notes, and helps the team keep a documented map from each return line to source fields and GL heads. The figures themselves are computed by version-controlled SQL against CBS, treasury and GL extracts, never by the model. Before upload, the assistant runs format validations, cross-return consistency checks and period-on-period variance tests, then drafts explanations for material movements by drilling into the underlying accounts. When a circular changes a return, it lists the affected lines and mappings for the team to update.

• Searchable library of return instructions, circulars and mapping notes with cited answers
• Documented line-to-source mapping for each return, versioned with maker-checker approval
• Return figures computed by reviewed SQL, never by the language model
• Pre-upload format validation and cross-return consistency checks
• Variance analysis with drill-down to GL heads and large accounts, plus drafted commentary
• Change-impact list when an RBI circular amends a return format or definition

1. 01Pull source extractsPeriod-end extracts from CBS, treasury and the GL are loaded into a reporting staging area and reconciled to control totals.
2. 02Compute return linesReviewed SQL mappings compute each return line, and every figure keeps a link to its source query and accounts.
3. 03Validate and compareFormat rules, cross-return checks and variances against prior periods identify the items that need attention.
4. 04Draft explanationsFor material variances, the assistant drills into contributing accounts and drafts commentary with references.
5. 05Reviewer sign-offThe reporting analyst and the approving officer review figures, flags and commentary before anything is finalised.
6. 06Prepare the upload packageThe approved return is formatted for CIMS or the bank's reporting tool, and the evidence pack is archived.

1. Data
   • CBS, treasury and GL extract loaders
   • Reporting staging database
   • Control-total reconciliation
2. Computation
   • Version-controlled SQL mappings per return line
   • Mapping register with maker-checker approvals
3. Knowledge
   • Indexed return instructions and RBI circulars
   • LLM question answering with citations
   • Circular change-impact analyser
4. Validation and analysis
   • Format and cross-return validation rules
   • Variance engine with drill-down
   • Commentary drafter
5. Review and output
   • Reviewer workspace with sign-off
   • Upload file builder
   • Evidence archive

Reporting analysts review every exception and variance explanation, and the designated approving officer signs off each return. The assistant never submits a return; upload stays a controlled manual step.

• Core banking system and GL (read-only extracts)
• Treasury system
• Existing regulatory reporting tool or data warehouse
• RBI CIMS upload formats
• Document repository for circulars and policies

• Figures come only from reviewed SQL; the language model cannot change a reported number
• Mapping changes require maker-checker approval
• Every commentary sentence links to the accounts or data it describes
• Read-only access to source systems
• Full version history of mappings, figures and sign-offs

• Designed to support RBI's expectation of accurate, timely returns and its push towards automated data flow from source systems.
• Keeps the evidence trail that internal audit and RBI inspection teams ask for when reviewing how returns were prepared.

• Banking

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• Banking

  Trade Finance Document Checking (LCs, Bills of Lading)

  Examine LC presentations against the credit terms, UCP 600 and ISBP, and give trade operations a draft discrepancy list with every finding tied to a document and clause.

• Banking

  Customer Complaint Triage and Routing

  Classify complaints from email, branches, social media and RBI CMS, spot urgent cases such as unauthorised transactions, route them to resolver teams and draft acknowledgements.

• Accounting, Audit & Consulting

  Bank and Ledger Reconciliation

  Match bank statements in any format against the cash book or ledger, explain unmatched items and produce a BRS the reviewer can tick through, with ambiguous matches held for a person.