Bank operations, with the working shown

Each opens in the builder as a working flow. Point it at your policies, procedures and exports, and press Test.

• QuestionAsk a personAnswer shown

  Policy answer desk

  Answers 'are we allowed to' questions from your own policies with the clause quoted, and says when policy is silent.

  Compliance7 steps
• On a scheduleRead the regulator pagePost to Slack

  Regulator notice watcher

  Reads a regulator page every morning and posts to your compliance channel only when something affects you.

  Compliance6 steps
• The recordingCheck the disclosuresThe summary

  Call compliance check

  Transcribes a recorded call and checks what was said against the disclosures that had to be given.

  Compliance4 steps
• The first documentWhat does not agree?The second

  Statement reconciliation

  Compares a statement against your own records and lists only what does not agree.

  Finance4 steps
• What to scoreScore the supplierAsk a person

  Supplier risk scorer

  Scores a supplier submission against your risk criteria and sends anything below the bar to a person.

  Operations5 steps
• What do you want to know?Group by ownerThe answer

  Ageing report

  Groups open items by age or owner and says what is oldest, from an export or a ticket API.

  Operations5 steps
• The pictureRead the scanThe fields

  Form processor

  Turns a scanned or photographed form into fields, reading the picture rather than expecting typed text.

  Operations4 steps
• Something to fileLabel itThe label

  Document filer

  Puts a label on an incoming document so it can be filed and counted, and says when nothing fits.

  Operations3 steps
• QuestionAsk a personAnswer shown

  First-line support

  Answers customer questions from your help center and runbooks with sources cited, and hands empty results to your team.

  Support7 steps
• It arrivesAsk a personAnswer shown

  Escalation write-up

  Turns a messy thread into a handover note, then posts it to the on-call channel once someone approves it.

  Support7 steps
• QuestionAnswerAnswer shown

  Privacy questionnaire

  Answers data-protection questions from your DPA and records of processing.

  Legal4 steps
• The documentAnswerAnswer shown

  RFP answer drafter

  Attach a questionnaire and get answers drafted from your past RFPs, policies and security docs, each one sourced.

  Sales4 steps
• QuestionAsk a personAnswer shown

  Spend policy desk

  Answers spending questions from your expense and procurement policy with the limit, approver and receipt rule quoted.

  Finance7 steps

Where they land in a bank

Six of the thirteen, mapped to the queues compliance, operations and servicing teams already work.

Policy answer desk

Staff ask whether a fee can be waived, what a Reg E notice must say or which BSA procedure applies, and get the clause quoted, or a plain statement that policy is silent.

Regulator notice watcher

Reads the OCC, FDIC, Federal Reserve, NCUA or CFPB pages you choose every morning and posts to the compliance channel only when something affects you.

Call compliance check

Checks recorded servicing and collections calls against the disclosures your scripts require, and lists what was missed.

Statement reconciliation

Compares a correspondent, card or processor statement with your own records and lists only the breaks, computed in a table step rather than by the model.

Supplier risk scorer

Scores a vendor or fintech partner submission against your third-party risk criteria and sends anything below the bar to a person.

Ageing report

Groups open exceptions, disputes or tickets by age and owner and says what is oldest, from an export or a ticket API.

What your model risk and compliance teams will ask

Answered from how the product works, not from a slide. The full list of controls is on the security page.

Every figure comes from your systems

Reconciliation and reporting steps query your own ledger or exports, and the totals are computed in a table step in code. The model explains the result and is told never to state a number the table does not hold.

Nothing reaches a customer or examiner unapproved

Replies, escalations and anything sent outside the team stop at an approval step, which says what approving will do before anyone decides.

Only the records the reader may see

Each knowledge source carries its own access rules, applied in the retrieval query before any passage reaches a model, and database steps use a read-only connection you set up and can revoke.

Every run on the record

Its input, each step's output, how long it took, what the model cost and who decided, kept with the run and in an append-only audit log. Administrators can export records with an Ed25519 signature anyone can check offline.

Evidence for model risk review

Under SR 26-2, the April 2026 model risk guidance from US banking agencies, validators want to see what a tool was given, what it returned and who approved it. The run record and signed export are that evidence.

Your data boundary, your choice

Run it in Sphere's cloud, in a single-tenant environment in your own AWS account, or privately in your own cloud. SphereIQ does not train models on your data, and it is SOC 2 Type II certified, with the report shared on request.

Asked in every evaluation

Does it replace our core or our loan system?

No. It reads from your core, ledger and document stores through read-only connections, and those systems stay the systems of record.

Will it make credit or dispute decisions?

No. The templates are written to find, check, compare and draft. Decisions that affect a customer stay with your staff, and anything that leaves the team waits at an approval step.

Is this the same as Palladium?

No. SphereIQ is for your staff: policy answers, reconciliation, compliance checks and reviews. Palladium, also from Sphere, is customer-facing and resolves requests such as Reg E disputes and fee waivers end to end.

Our data is not laid out like the template.

The database steps carry example queries, and you point them at your own tables. The checks, the approvals and the write-up stay as they are.

Can we see it on our own policies and data?

Yes. We open a template in the builder, connect it to a sample of your documents and data, and run it with you.