Debuting at Money20/20, Rational Exponent introduces a new era of agentic AI for banks–embedding real-time compliance, risk intelligence, and adaptive decision making directly into operational workflows.
Rational Exponent, an AI-native fintech company founded by banking insiders, regulatory experts, and technology visionaries, officially emerges from stealth mode to announce the launch of re:agent, a transformational enterprise AI platform purpose-built for banks navigating the evolving compliance-heavy, resource-constrained, and innovation-driven landscape. re:agent allows decision-makers to turn risk and governance from burdensome overhead into strategic drivers of growth, allowing teams to create compliant, approval-ready banking products in days, not months or years.
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“re:agent is purpose-built to redefine how banks operate, scale, and lead,” said Ryan Schoenfeld, CEO of Rational Exponent
re:agent – A New Strategic Weapon for Financial Institutions
Chief Compliance Officers, Chief Risk Managers, Banking Operations Managers, Technology and Innovation Leaders, and M&A Business Leaders wrestle with increasing regulatory pressures, digital transformation goals, board-level accountability, and increasing competitiveness to grow assets. re:agent directly addresses customers’ key pain points with three product suites, re:agent IQ, EX, and Business Catalyst, which are architected for large-scale business transformation and orchestrate cross-domain changes, to align with customers’ strategic automation initiatives.
“As the volume and complexity of regulatory requirements continue to grow, banks are investing in automation to ease the burden across risk, compliance, and regulatory change functions,” said Ian Watson, Head of Risk Analyst at Celent. “Most solutions stop at establishing new policies and controls. re:agent goes further, rationalizing and maturing them, enabling business teams to design compliant products, and maintaining real-time compliance across daily operations. re:agent turns policy into execution, giving banks the confidence that every action stays within guardrails while freeing teams to focus on growth.”
re:agent Product Suite
re:agent IQ :
- Rationalizes policies, procedures, and controls
- Provides the analytical backbone for discovery, validation, and monitoring
- Ensures the compliance framework is complete, correct, and adequate
re:agent EX :
- Operationalizes policies and controls into daily workflows
- Embeds compliance by design (products/workflows built to be compliant from the start)
- Maintains compliance in motion (every transaction stays inside guardrails)
re:agent Business Catalyst:
- Bridges IQ and EX into a complete compliance-to-execution cycle
- Empowers business leaders to design and launch products that are “approval-ready” by default
- Brings product ideation, risk appetite, and compliance guardrails together in one workbench
“As someone who has spent a career driving business value for major financial institutions with technology, I’ve seen firsthand how regulatory complexity can silently erode performance and inhibit growth,” said Rational Exponent Board Member, and former Goldman Sachs Partner, Boe Hartman. “What makes Rational Exponent a game changer is its ability to transform the burden of compliance, operational risk, regulation, and legacy institutional knowledge into business value. By embedding AI-driven intelligence directly into the banking environment, Rational Exponent empowers teams to move faster, reduce risk, achieve compliance with confidence, and unlock high ROI, delivering the breakthrough the industry has been waiting for.”
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