Private AI Use Cases for Privacy-First Firms

Compliance teams

Policy and procedure lookups

The problem: Staff bring compliance the same questions all day, and the answers are buried in long manuals.
The question: "Nine $9,500 cash deposits this week. What's our SAR deadline?"
What Lumen returns: The rule from the bank's own BSA/AML policy with the section highlighted, plus the next step the policy requires.
How often it runs: All day, for anyone with access to the manual.

BSA/AML

Nine $9,500 cash deposits this week. What's our SAR deadline?

File within 30 calendar days of first detecting the activity. If no suspect is identified, you can take up to 30 more days [1].

Send the pattern to the BSA team for review within 2 business days [2]. The BSA Officer approves every SAR before it is filed [3].

3 sources1 BSA/AML Policy §6.22 BSA/AML Policy §6.13 BSA/AML Policy §6.3

Sample policy.

Lumen summarizing a bank lending policy with numbered citations, the source PDF open beside the answer with the cited line highlighted — In the product: a lending policy summary with numbered citations, and the source page open to the cited line.

Community and retail banking

Loan file review

The problem: An analyst gets a loan package and checks the tax returns, the financial statements, and the credit policy by hand before committee.
The question: "I just got this loan package from one of our relationship managers. Get me up to speed on the borrower and check the request against our loan policy."
What Lumen returns: A summary of the request with each flag cited to its source. Coverage passes on the statements and fails on the tax returns. The largest customer is over the policy's concentration flag. A follow-up prompt drafts the credit memo in the bank's own template.
How often it runs: On every file in the pipeline.

Commercial lending

Get me up to speed on the borrower and check the request against our loan policy.

Tollard Precision Fabrication is asking for a $4.4M seven-year equipment loan and a line of credit raised from $2.0M to $3.0M.

2025 revenue is $13.4M on the financial statements and $11.9M on the tax returns, a $1.5M gap [1][2].

Debt service coverage is 1.38x on the statements and 1.06x on the returns, against the 1.25x minimum [3].

The largest customer is 31% of revenue, above the 25% flag [4].

4 sources1 Statements 20252 1120-S 20253 Loan Policy §4.24 Loan Policy §4.6

Sample documents. Tollard is a made-up company.

Family offices and asset managers

Manager exposure before a commitment

The problem: Exposure to one manager is spread across trusts, holding companies, and co-investments. The holdings report shows part of it, and adding up the rest by hand can take days.
The question: "Vellacourt just sent us their Fund IV materials. Get me up to speed on the fund, and tell me our total exposure to Vellacourt across every entity."
What Lumen returns: Exposure by entity, the co-investment the holdings report missed, the policy cap, and the most the office could commit. It lays out both readings of the co-investment and leaves the call to the investment committee.
How often it runs: Before every new commitment.

Family office

Tell me our total exposure to Vellacourt across every entity.

$22.7M across four entities, counting NAV plus unfunded commitments, or 3.8% of investable assets [1].

That total includes a Birchline Topco co-investment in the 2012 Dynasty Trust. The holdings report files it without a Vellacourt tag, and the agreement gives Vellacourt control [2].

A $10M Fund IV commitment would take exposure to 5.45%, over the 5% cap. The most that fits is $7.3M [3].

The deck quotes a 1.5% fee and the draft LPA says 1.75%, a $125K gap over the investment period [4].

4 sources1 Q2 capital statements2 Co-investment §6.13 IPS §3.44 LPA §8.1

Sample documents. Vellacourt and Tarrowby are made-up names.

Client and committee meetings

Meeting minutes and follow-ups

The problem: Notes from client calls and committee meetings end up in different places, and follow-ups slip.
What Lumen does: Ekho, Lumen’s meeting app, writes a live transcript and tracks each participant's consent. Transcription runs on your own servers. When the meeting ends, one click turns it into minutes in Word, a deck in PowerPoint, or a tracker in Excel.
How often it runs: Every meeting.

Ekho, Lumen’s meeting app, showing a live transcript with Pause and Stop controls and a private notes panel — Ekho capturing a live transcript.

A finished meeting in Lumen with buttons for Ask in Chat, Deck (PPTX), Minutes (DOCX), and Tracker (XLSX), and a participants and consent panel — After the meeting: minutes, a deck, and a tracker, one click each.

Every morning, every night

Scheduled briefs and agents

The problem: Someone has to read the overnight news, regulator updates, and inbox before the team starts.
What Lumen does: Agents run on a schedule, or start when an email arrives, a document is uploaded, a webhook fires, a Jira issue opens, or someone mentions them in Slack. Our own news and regulatory brief runs at 7:00 each morning, cites every source, and posts to Slack. Its searches go out to public news sites, and your internal files stay on your servers.
How often it runs: Every morning at 7:00 in our own setup. The price is fixed, so a nightly run costs the same as a single one.

←Morning BriefAgent nameDraftLiveSaving…Save & exit

1DescribeWhat should it do? 2Build the flowWhen & with which tools? 3BriefingHow should it behave? 4Test & launchProve it works

Pick a template to start fast, or just give your agent a name and build from scratch. The name is how you’ll find it later.

Describe what you want this agent to do

e.g. Every weekday at 7am, summarize my unread email and today’s calendar, and post the brief to my #standup Slack channelEvery weekday at 7 AM, read the overnight news and regulator updates, and post a brief with sources to #morning-brief in Slack.

Draft my agentFills in the name, flow, briefing, and a suggested schedule. You can change everything.

Draft applied. Everything below is editable.

Agent name *

Morning Briefe.g. Morning Brief

A short label so you can find this agent later.

Description

Reads the overnight news and regulator updates and posts a brief with sources to Slack.What does this agent do?

Trigger→decides when the agent wakes up

Flow→the plan: tools it may use, in rough order

Briefing→standing instructions it reads every run

Resultits final answer, plus anything it posted

Building blocks

Start from

WebhookRun when an external system POSTs to a URL ScheduleRun on a recurring schedule (cron) Email receivedRun when a new email arrives (Gmail / Outlook) Document uploadedRun when a document finishes ingesting in a collection Jira issue createdRun when a new Jira issue is created Slack mentionRun when the Slack app is @-mentioned

Flow steps

Think it throughLet the AI reason about the task

Knowledge & Memory5

Flow (4 steps)

When should this run?+ Add a triggeror leave it manual-onlyScheduleWeekdays at 7:00+ can always be run manually

→

Tool

Web · Search

Search news and regulator sites from the last day

#1

→

Think it through

Keep what matters to the team and note each source

#2

→

Tool

Slack · Post message

Post the brief to #morning-brief

#3

→

Output

Return the brief with its sources

#4

Select a step above to configure it, or drag a tool from the palette to add one.

The agent treats the flow as its plan. It follows the steps in order but can adapt based on your briefing.

Trigger→decides when the agent wakes up

Flow→the plan: tools it may use, in rough order

Briefing→standing instructions it reads every run

Resultits final answer, plus anything it posted

Runs whenEdit

ScheduleWeekdays at 7:00+ can always be run manually

Morning Brief

Reads the overnight news and regulator updates and posts a brief with sources to Slack.

Briefing

You write the team’s morning brief.
1. Search news and regulator sites for the last day.
2. Keep the items that affect our clients or our rules.
3. Cite a source for every item.
4. Post the brief to #morning-brief, then call finish.

Flow (4)

#1Tool callWeb · SearchSearch news and regulator sites from the last day
#2Think it throughKeep what matters to the team and note each source
#3Tool callSlack · Post messagePost the brief to #morning-brief
#4OutputReturn the brief with its sources

Pre-flight checks

Briefing set

All 4 steps have a tool or purpose

Slack connected

Test runSave as draftGo LiveUpdate & keep live

The Agent Builder with sample data: describe the job, check the drafted flow, then go live.

A market brief in Lumen with three web sources listed under the answer — A market brief with each source listed.

Examiners and internal audit

An audit trail you can search

The problem: Examiners and auditors ask who asked what, which tools an agent used, and who changed a permission.
What Lumen does: The Compliance Portal records chat turns, tool calls, agent runs, approvals, meetings, consent events, deletion requests, document exports, permission and config changes, and sign-ins. Search by person, date, keyword, or type, include deleted items, and export the results.
How often it runs: Always on.

The Lumen Compliance Portal listing timestamped agent runs and tool calls for one person, with filters for chat, agents, meetings, admin, and security events — The Compliance Portal, filtered to one person's agent activity.

Private AI at work on your own documents