Kolena
At the ABA Annual Convention, Oct 25-27? Visit Kolena at booth 625. Watch an AI agent review a loan file against a checklist in minutes, every finding cited. Then we'll run it on one of yours.

AI agents for bank risk, compliance and lending teams

Your compliance team tests a sample. Kolena's AI agents review every loan file.

Loan operations, credit, compliance, internal audit: different documents, same bottleneck. Kolena's AI agents run your own test scripts and checklists across loan files, disclosures, statements and filings, and cite every result to the page it came from. They run inside an independently certified environment with zero data retention, built to clear your third-party risk committee, so automating the review never creates a second copy of your customer data.


  • Every file, not a sample. Exceptions get found rather than estimated.
  • Your test scripts and templates. Each team keeps its own logic and approvals.
  • A citation behind every value, in a record an examiner can follow without calling us.
  • You decide what is retained: a persistent record, or a pass-through that purges on completion.

Book a 20-minute demo

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BEFORE YOUR RISK COMMITTEE ASKS

What your third-party risk committee will ask, answered.

Never used for training

Zero-Data-Retention agreements with every model provider. Purged immediately after inference.

You choose retention

A persistent record, or a pass-through that deletes files and results on completion.

The audit log remains

A tamper-evident record of who ran which test, when, and with what parameters.

Isolated by design

Workspaces and agents kept strictly separated, business unit by business unit.

  • PCI DSS certified
  • SOC 2 Type II certified
  • Zero Data Retention
  • AES & TLS encryption
  • SSO · Entra ID · SCIM
LIVE IN BANKING TODAY

Document Workflows Kolena Automates

Each starts from an expert-built agent, then adapts to your credit policy, disclosure library and output templates.

01

Consumer-protection compliance testing

TRID, HMDA, flood, fair lending and your own test scripts, run across full populations, with the clause cited behind every pass and fail.

Disclosures · Statements · Marketing materials

02

Loan package and closing file validation

Names, amounts, dates and signatures reconciled across the package. Gaps surface before the file reaches the funder.

Notes & guaranties · Entity documents · Proof of payment

03

UCC filing and lien position review

Debtor names matched across filings and entity documents. Prior blanket liens and stale filings flagged before funding.

UCC-1 / UCC-3 · Search certificates · Equipment schedules

04

KYC and beneficial ownership review

Ownership chains resolved across operating agreements and cap tables. A BSA/AML file an examiner can follow field by field.

Identity documents · BOI certifications · Screening records

05

Statement analysis and financial spreading

Twelve months normalised across any bank's format. DSCR, leverage and global cash flow with the source line behind each number.

Bank statements · Tax returns · Debt schedules

06

Complaint resolution and restitution

Intake, call notes and account history read together. Fees, interest and refunds recomputed across affected populations.

Complaint intake · Call notes · Correspondence

Also running in banking today: Appraisal report abstraction Annual loan review & covenant testing Vendor & third-party risk files HMDA data integrity checks Trailing document tracking Insurance certificate monitoring Loan file digitization

96%

Less UCC review labor

Measured at Milestone Bank across live filings.

5 days → hours

Funding turnaround

On secured deals, same team.

100s

Loans in parallel

Dozens or hundreds of files at once.

IN THEIR WORDS

From the teams that own the paperwork.

“
Kolena reduced our UCC filing review labor by 96% and cut funding turnaround time from five days to just a few hours.
Terrie HylandVP of Operations · Milestone Bank
“
What I'm seeing from you is the best result for this that I have seen.
Compliance LeaderTop-10 US bank
“
I'm glad I looked at this. This is really cool and something I would absolutely need.
VP, Compliance & CRARegional bank
“
I'd love a central source of truth for everything we do, and it sounds like Kolena can be customized to meet exactly that.
Reg-Change Management LeadRegional bank
“
It was very easy. Kolena ran through the questions and suggested how the prompt should go. They were great at understanding what I needed.
Operations Super-UserMilestone Bank
“
This is really good. I appreciate the care, the specificity and the expertise.
Underwriting ManagerCommercial bank · bridge lending