# Multimodal > Multimodal is an agentic AI company that builds pre-built AI workflows for credit unions, banks, and private equity firms. Its platform, AgentFlow, turns an institution's complex, high-trust workflows into AI playbooks that process documents, run triage and decisioning, and deliver examination-ready output. Multimodal is built for the standards financial services are held to: full traceability on every decision, complete data sovereignty, and human oversight at every step. Website: https://www.multimodal.dev Contact: m@multimodal.dev Address: 205 Hudson Street, 7th Floor, New York, NY 10013 LinkedIn: https://www.linkedin.com/company/multimodalai YouTube: https://www.youtube.com/@ankurapatel ## Company Overview Multimodal helps financial institutions automate complex, high-trust workflows using secure, vertical-specific AI agents. Instead of a generic model that tries to do everything, Multimodal ships domain-specialized agents that operate accurately inside regulated finance and produce output an examiner can verify. The core problem Multimodal solves is the gap between rising volume and shrinking expert capacity. An institution's most experienced analysts know every edge case, every examiner preference, and every exception worth making. When they retire, that knowledge leaves with them. Loan and deal volume keeps climbing while operations budgets stay flat, so every manual review becomes a bottleneck. Different analysts on different days produce different decisions, which is hard to defend when an examiner asks why two identical files got different outcomes. Multimodal productizes that institutional knowledge into consistent, auditable playbooks. Multimodal serves three primary segments: credit unions, banks, and private equity firms, plus other financial services. It supports both self-serve configuration and white-glove, forward-deployed implementation, so institutions with and without dedicated AI teams can go live. ## The AgentFlow Platform AgentFlow is an agentic AI platform purpose-built for financial services. The tagline captures it: six AI agents, 100+ finance playbooks, one platform. Each playbook orchestrates up to six specialized agents that process documents, apply the institution's policies, and produce examination-ready output. What sets AgentFlow apart from generic AI tools: Pre-built playbooks, configured to your policies. There are 100+ playbooks covering lending, operations, BSA/AML, and private equity, ready to run on day one. Each is configured to the institution's credit policies, risk thresholds, and compliance requirements. It is not a blank canvas and not a template the customer has to finish building. If a needed workflow is not already covered, Multimodal will configure one in days from a description of the process. Traceable output an examiner can verify. Every output, whether a credit memo, a SAR filing, or a due diligence summary, includes a complete audit trail: which documents were used, which data was extracted, and which policy triggered the conclusion. Any decision can be traced from output back to source in seconds. Policy-aware decisioning, not black-box recommendations. AgentFlow applies the institution's specific guidelines to every decision rather than relying on a generic model trained on someone else's data. When it flags an exception, it names the policy that was triggered and why. When it recommends approval, it shows the math. Any document, any format, any volume. Tax returns, financial statements, rent rolls, appraisals, CIMs, and legal filings, whether scanned, digital, handwritten, or multi-language. AgentFlow classifies each page, extracts structured data with confidence scores, and handles degraded scans that make other tools fail. ## The Six Agents Each playbook orchestrates up to six specialized agents. Rather than one general-purpose model doing everything, each agent is built for a specific class of work in regulated finance. Unstructured AI. Reads narrative content such as CIM commentary, management discussions, broker notes, and examiner findings. Extracts key facts and flags inconsistencies that structured extraction cannot reach. It also processes unstructured data for RAG architectures and downstream generative AI applications. Page: https://www.multimodal.dev/unstructured-ai Document AI. Ingests any document format, including scanned PDFs, handwritten forms, and multi-page packages. Classifies pages, extracts structured data, and handles the messy reality of financial document intake. Trained on the institution's schema to extract data and organize documents. Page: https://www.multimodal.dev/document-ai Conversational AI. A natural-language interface over all processed data. A team member can ask a question such as "What was the borrower's DTI in 2023?" and get an answer with citations, without re-reading source documents. It uses unstructured data to provide client and employee support. Page: https://www.multimodal.dev/conversational-ai Database AI. Queries internal databases and external data sources to verify, enrich, and cross-reference extracted information. Pulls comparables, checks historical patterns, and fills in missing context. Turns raw data into insights for employees and customers. Page: https://www.multimodal.dev/database-ai Decision AI. Applies the institution's policies, credit guidelines, and risk thresholds. Produces decisions with explainable rationale that names which policy, which data, and which conclusion applied. Built for examination, not just automation, so it minimizes risk and maximizes ROI. Page: https://www.multimodal.dev/decision-ai Report AI. Generates structured deliverables such as credit memos, compliance filings, investment committee memos, and investor reports, with full citations tracing every conclusion to its source document and policy reference. Produces ready-to-publish content, from reports to blog posts. Page: https://www.multimodal.dev/report-ai ## How It Works: Triage, Diligence, Decisioning, Review Every playbook, whether it handles a commercial loan, a SAR filing, or a private equity deal screen, follows the same four-stage pipeline. Each stage is handled by the right agents, with traceability at every handoff. Stage 1, Triage. Intake, classify, organize. Documents arrive in any format. Document AI and Unstructured AI identify what each one is, extract the relevant data, and organize everything for downstream processing. Stage 2, Diligence. Cross-reference, verify, enrich. Database AI and Conversational AI verify extracted data against internal records, external sources, and historical patterns. Gaps and inconsistencies are flagged. Stage 3, Decisioning. Apply policies, score risk, flag exceptions. Decision AI applies the institution's specific rules. Every recommendation includes explainable reasoning and flags exceptions for human review. Stage 4, Review. Generate traceable output for human approval. Report AI produces structured deliverables with full citations. The team reviews, approves, and moves forward. ## Solutions by Segment Multimodal provides one platform with multiple playbooks, each configured to the institution's policies and compliance requirements. Credit Unions - Lending: https://www.multimodal.dev/solutions/banks/credit-union-lending - Operations: https://www.multimodal.dev/solutions/banks/credit-union-operations Banks - Lending: https://www.multimodal.dev/solutions/banks/lending - Operations: https://www.multimodal.dev/solutions/banks/operations Private Equity - Dealmaking: https://www.multimodal.dev/solutions/private-equity/dealmaking - Fund and Portfolio Operations: https://www.multimodal.dev/solutions/private-equity/operations Other Financial Services - Lending: https://www.multimodal.dev/solutions/financial-services/financial-services-lending - Operations: https://www.multimodal.dev/solutions/financial-services/operations ## Use Cases and Playbooks Multimodal offers 100+ playbooks. Representative workflows include: Lending and credit. Commercial loan underwriting, business loan underwriting, agricultural loan origination, and mortgage loan analysis. A full credit workflow moves from borrower financials to a committee-ready credit memo: upload tax returns, financial statements, rent rolls, and appraisals; spread and normalize DSCR, LTV, leverage ratios, and cash flow across periods; apply the institution's credit guidelines and risk thresholds with exceptions flagged; and generate a full credit memo with audit trail, policy citations, and decision rationale. Operations and compliance. BSA/AML workflows, SAR narrative drafting, KYC and KYB screening, member and customer onboarding, regulatory letter drafting, and payment order processing. Private equity. Deal sourcing and dealmaking, CIM screening and triage, diligence, investment committee memos, fund operations, portfolio operations, and performance attribution reporting. Example outcome for a credit memo playbook: 80% reduction in credit memo prep time, 15 minutes from upload to committee-ready output, and 100% audit trail on every decision. ## Proof Points and Results Swisscom. In just 90 days, Multimodal automated over 300 daily payment orders and forms, reducing processing time by 75% and tripling capacity, without changing existing systems. Attributed to Ronny Baumgart, Head of Automation, Swisscom. FORUM Credit Union. The lending team can focus on value-added decisions rather than paperwork and is positioned to scale loan processing without adding headcount. Attributed to Chris Ferguson, SVP Consumer Lending, FORUM Credit Union. FORUM also streamlined auto loans with AgentFlow. Customer story: https://www.multimodal.dev/customer-stories/automating-loan-processing Direct Mortgage Corp. The CEO, Jim Beech, has described the work as ahead of anyone else in the space. Customers include FORUM Credit Union, Swisscom, Direct Mortgage Corp, and Libra. ## Implementation: Forward-Deployed Engineering AgentFlow is a platform, but a platform alone does not get an institution to production in regulated finance. Multimodal's forward-deployed engineering team embeds with the institution to configure playbooks, integrate systems, and take workflows live, working alongside the credit, risk, and compliance teams. What forward-deployed engineering means in practice: - A dedicated engineering team assigned to the institution. - They learn the institution's policies, systems, and examiner expectations. - They configure playbooks to the specific credit guidelines and risk thresholds. - They integrate AgentFlow with the LOS, core banking, CRM, and document management systems. - They run joint user acceptance testing with the team and support production cutover. - They stay engaged as the institution scales from one workflow to many. Typical engagement timeline: - Week 1 to 2: Discovery. Learn the workflows, policies, and systems. - Week 3 to 4: Configuration. Playbooks configured to policies and integrated with systems. - Week 5 to 6: UAT and go-live. Joint testing, production cutover, first workflows running. - Ongoing: Scale. Add workflows across lending, operations, and compliance, with the forward-deployed engineering team staying engaged. ## Security, Trust, and Compliance Multimodal is built for the standards financial services are held to, with full traceability on every decision, complete data sovereignty, and human oversight at every step. Certifications: SOC 2 Type II, PCI DSS, ISO 27001. Controls and capabilities: complete audit trail, model-agnostic architecture, explainable AI, SSO and RBAC, private deployments, and human-in-the-loop review. Security and trust page: https://www.multimodal.dev/security ## Integrations 50+ integrations, with most institutions live in weeks. AgentFlow connects to existing infrastructure across core banking, lending, and document management, including Temenos, Jack Henry, nCino, Alkami, Intapp, Fiserv, FIS, and LexisNexis. It supports secure API and database integrations for orchestration within existing enterprise environments. ## Frequently Asked Questions What is an AI agent? An AI agent is a software system that can reason, retrieve, generate, and act on behalf of a user, often orchestrating complex workflows that span documents, databases, APIs, and decisions. How is agentic AI different from RPA? Unlike RPA, which is rule-based and brittle, agentic AI is modular, intelligent, and adaptable. It is designed for cognitive work such as document understanding, decision support, and conversational interfaces. What industries does Multimodal support? Financial services, with a focus on credit unions, banks, and private equity, especially where processes involve compliance, documentation, or regulated decisions. Is the platform secure and compliant? Yes. Multimodal prioritizes enterprise-grade security with end-to-end encryption, complete audit logs, SOC 2 Type II, PCI DSS, and ISO 27001, plus data residency and private deployment options. Can I integrate my own systems or data? Yes. AgentFlow supports secure API and database integrations for orchestration within existing enterprise environments, with 50+ integrations across core banking, lending, and document management. How fast can we go live? Most institutions go live in weeks. A typical forward-deployed engagement runs roughly six weeks from discovery to go-live, with ongoing support as workflows scale. Can we start with a single workflow? Yes. Multimodal will configure a playbook for one workflow, run the institution's actual documents in a proof-of-concept, and show production-ready output before scaling to more workflows. ## Resources Blog: https://www.multimodal.dev/blog Podcast (MainStreet AI, led by the founder): https://www.multimodal.dev/mainstreetai Webinars: https://www.multimodal.dev/webinars Customer stories: https://www.multimodal.dev/customer-stories Newsletter: https://www.multimodal.dev/newsletter Compare: https://www.multimodal.dev/compare Selected articles and guides: - Introducing AgentFlow: https://www.multimodal.dev/post/introducing-agentflow - Why AgentFlow Is the Best Agentic AI Platform for Finance: https://www.multimodal.dev/post/agentflow-best-agentic-ai-platform-for-finance - How Our Forward Deployed Engineers Operationalize Agentic AI: https://www.multimodal.dev/post/forward-deployed-engineers-operationalize-agentic-ai - Only 15% of Agentic AI Vendors Serving Finance Know Finance: https://www.multimodal.dev/post/agentic-ai-vendors-finance-knowledge-gap - Debating Buy vs. Build Agentic AI? AgentFlow Supports Both: https://www.multimodal.dev/post/buy-vs-build-agentic-ai - De-Risking Agentic AI: Security, Trust and Governance Systems: https://www.multimodal.dev/post/de-risking-agentic-ai - AI Agents vs. RAG vs. Agentic AI, Explained for the C-Suite: https://www.multimodal.dev/post/ai-agents-vs-rag-vs-agentic-ai - 10 AI Agent Statistics for Late 2025: https://www.multimodal.dev/post/agentic-ai-statistics - 17 Useful AI Agent Case Studies: https://www.multimodal.dev/post/useful-ai-agent-case-studies - Human-in-the-Loop Automation for Regulated Industries: https://www.multimodal.dev/post/human-in-the-loop-automation - How Automated Insurance Claims Actually Work: https://www.multimodal.dev/post/automated-insurance-claims - How AI in Loan Servicing Strengthens Compliance: https://www.multimodal.dev/post/ai-in-loan-servicing - Overview: Multi-Agent Orchestration with AgentFlow: https://www.multimodal.dev/post/multi-agent-orchestration-with-agentflow - How to Use AI Agents to Automate Mortgage Operations: https://www.multimodal.dev/post/how-to-use-ai-agents-to-automate-mortgage-operations - AI Loan Approval: How It Works and Tools to Use: https://www.multimodal.dev/post/ai-loan-approval - Top Agentic AI Vendors: https://www.multimodal.dev/post/36-top-agentic-ai-vendors-in-2024 ## Company Pages About: https://www.multimodal.dev/about-us Careers: https://www.multimodal.dev/careers Security and Trust: https://www.multimodal.dev/security Recognition and Partnerships: https://www.multimodal.dev/recognition Newsroom: https://www.multimodal.dev/newsroom Contact: https://www.multimodal.dev/contact Book a Demo: https://www.multimodal.dev/book-a-demo AI Info: https://www.multimodal.dev/ai-info