Auditable AI For The Industries That Can't Afford Black Boxes
Financial services runs on trust — between institutions and regulators, advisors and clients, a decision made today and the examiner who reviews it months later. We earn it by building AI that's traceable and auditable at every step.
Trusted by leading financial services institutions
Who We Are
What Is Multimodal? Agentic AI, built for finance.
Multimodal is a New York–based agentic AI company founded in 2023. Its platform, AgentFlow, automates document-heavy workflows for credit unions, community banks, regional banks, and private equity firms — with every step traceable and auditable for examiners and regulators.
Our Mission
Finance deserves AI it can stand behind. That’s why we exist.
We believe AI in financial services should be held to the same standard as the institutions that use it: rigorous, principled, and answerable. Most AI is built to impress. We build to withstand — not by making it more powerful, but by making it more accountable.
Who We Serve
Who Does Multimodal Work With?
Multimodal builds auditable AI for institutions where trust, oversight, and regulatory scrutiny are part of the work.
Credit Unions
AgentFlow automates document-heavy lending, compliance, and operational workflows while preserving human review and records ready for NCUA and state examiners.
Community & Regional Banks
AgentFlow processes complex documents, applies internal policies, and moves work through existing systems — without replacing the infrastructure teams already depend on.
Private Equity Firms
AgentFlow reviews unstructured documents, extracts critical information, and produces consistent investment outputs with a complete audit trail.
The Problem We Solve
The critical work in finance still happens in people’s heads.
Every financial institution has knowledge no system has ever captured — how a senior underwriter reads between the lines, how a compliance officer knows when something doesn’t add up. Most AI ignores it. When those people leave, the gap widens.
Our Story
A gap between what AI promised and what finance needed.
Ankur spent 15 years in finance and AI at Bridgewater, J.P. Morgan, and across the industry. He studied at Princeton and authored three books about artificial intelligence with O’Reilly Media. Time and again, he saw promising AI projects gain real momentum, then stall the moment they reached production — not because the technology failed, but because no one could explain it to an examiner. That gap became the founding idea behind Multimodal.
Timeline
Founded to make AI auditable
Started by finance domain experts and AI engineers with one mission: to make AI auditable.
Expertise on top, secure infrastructure below
Your expertise at the top, secure infrastructure at the bottom, and six specialized AI agents executing workflows — traceably, every time.
Production playbooks under real scrutiny
Credit unions and community banks deploy production playbooks with real audit logs, real examiner scrutiny, and real throughput gains. Swisscom automates 300+ daily payment orders, cutting processing time 75%.
Every output fully documented
Serving credit unions, regional banks, community banks, and PE firms — with every output fully documented.
What We Believe
Principles we build on.
Accountability Is A Design Choice
Explainability is built in from the beginning. In regulated finance, “we’re working on it” does not hold up.
Depth Over Breadth
Finance is not a generic domain. It has specific rules, specific regulators, and real consequences. We go deeper than any generalist platform can.
Production Is The Only Proof
Pilots do not matter on their own. What matters is work that runs reliably, every day, in institutions that depend on it.
The Team
The people behind Multimodal.
Proof
Don’t take our word for it.
Our lending team can now focus on value-added decisions rather than paperwork, and we’re positioned to scale loan processing without adding headcount.
Chris Ferguson — Senior VP Consumer Lending, FORUM Credit Union
Nobody is doing what we’re doing with Multimodal. Not even close.
Jim Beech — CEO, Direct Mortgage Corp.
The institutions that got AI right didn’t start with the biggest platform.
They started with the right one.
Book a demoFAQ
Frequently asked questions.
What is Multimodal?
Multimodal is a New York-based agentic AI company founded in 2023. It builds auditable AI workflows for credit unions, community banks, regional banks, and private equity firms.
What is AgentFlow?
AgentFlow is Multimodal’s agentic AI platform. It coordinates specialized AI agents, institutional policies, human review, and existing systems to execute document-heavy financial workflows.
Who does Multimodal serve?
Multimodal works with credit unions, community and regional banks, lenders, and private equity firms. AgentFlow is designed for institutions that need automation without sacrificing explainability, oversight, or control.
How is AgentFlow different from a chatbot?
A chatbot answers questions. AgentFlow executes work — it processes documents, validates information, applies policies, routes exceptions, generates outputs, and records what happened at every step.
How is AgentFlow different from RPA?
RPA works best when inputs and rules are predictable. AgentFlow can process unstructured documents, evaluate context, apply financial policies, and route uncertain or exceptional cases to human reviewers.
How does AgentFlow work with existing systems?
AgentFlow connects with the systems an institution already uses. It can read information from documents and databases, execute workflow steps, route work for review, and write validated information back into core systems.
Where is Multimodal based?
Multimodal is based in New York and works with a global team.