Banking documents are PII-heavy, regulator-scrutinized, and arrive in every imaginable format.
Loan/credit document chaos
Income docs, statements, ID, and employment verification arrive in different formats from every applicant. Manual review delays decisions and breeds inconsistency across underwriting teams.
KYC/AML at regulator-defensible scale
BSA, CIP, and CDD/EDD obligations require documented, auditable verification on every customer. Manual review caps throughput and creates audit gaps that surface in the next examination.
Underwriting cycle time
Days, not minutes, from application to decision. Every hour of latency is a deal lost to a faster lender — and every manual hand-off adds another point where the file can stall or get re-keyed.
Banking documents, structured. Compliance, built in.
Cogneris extracts loan applications, KYC packages, bank statements, and court orders — with SOC 2 Type II controls (audit in progress), GLBA-aligned PII handling, and zero-retention LLM access on the critical path.
- Loan application bundle parsing — pay stubs, W-2s, 1099s, bank statements, and ID parsed from a single drop-in submission with field-level confidence scoring on income, employment, and assets.
- KYC/AML document verification — government ID, proof of address, and beneficial ownership extracted and cross-validated with sanctions and PEP screening; full CIP/CDD audit record preserved per regulator request.
- Bank statement transaction parsing — sub-3-second extraction of transactions, balances, and recurring-deposit patterns from US and Canadian bank/credit-card statements for cash-flow underwriting.
- SOC 2 Type II controls + GLBA-aligned audit trail — every extraction captures model version, prompt hash, response, and reviewer decisions, exportable for OCC/FDIC examinations and internal audit.
Built for the documents that drive lending and compliance.
Banking documents arrive in every imaginable format — uploaded loan packages, faxed court orders, scanned IDs, multi-month statement PDFs from a thousand institutions, and beneficial ownership certifications captured at the branch. Cogneris's banking configuration handles the full bundle: every document parsed, every field cross-validated, every PII element tracked through the audit trail.
Income verification
W-2, 1099, and pay stubs parsed to line-item granularity. YTD reconciliation with stated income, with confidence flags for human review on low-confidence fields.
AML transaction screening
Bank statement transactions matched against sanctions, PEP, and structured-deposit patterns flagged for SAR review. Outputs feed your existing AML case-management tooling.
Mortgage document indexing
TRID-required disclosures, appraisals, title commitments, and homeowners insurance extracted as a closing package with cross-document field reconciliation.
Court order processing
Levies, garnishments, and subpoenas parsed with key dates and obligated-account identifiers surfaced for legal review and timely response.
Lives where your lending and core systems already run.
Cogneris integrates with the loan origination, core banking, and decisioning platforms that already run your bank — so extracted document data flows directly into the LOS and customer record without an intermediate data-entry step.
- nCino & Encompass — loan origination data flows directly into LOS workflows with full document provenance preserved.
- Salesforce Financial Services Cloud — extracted applicant data lands as structured records on Person Account and Financial Account objects.
- Plaid & MX — bank statement extraction complements (and reconciles against) ACH-feed data when statements arrive as PDFs.
- Jack Henry, Fiserv & FIS cores — account opening packages and beneficial ownership certifications routed to the core via existing fintech connectors.
- Mambu, Q2 & Alloy — extracted data integrates with the modern loan-origination and decisioning stack.
The document types behind lending and KYC.
Every loan, account opening, and beneficial-ownership review pulls from the same handful of document types. Cogneris extracts each as a structured object — fields, confidence scores, full audit trail.
For category context, see the IDP buyer's guide, the 2026 State of Document AI report, or estimate ROI at your volume.
- Bank statement extraction — cash-flow underwriting from US and Canadian statements, with transactions, balances, and recurring-deposit detection in under 3 seconds per page.
- Check OCR API — payer, payee, amount, date, MICR context, remittance data, and validation evidence for payment workflows.
- KYC document extraction — government IDs, proof of address, and beneficial-ownership certifications cross-validated against sanctions and PEP screening, with full CIP/CDD audit record.
- Payroll extraction — pay stubs, W-2s, and 1099s with gross, deductions, and YTD reconciliation against stated income for loan underwriting.
- Tax return extraction — 1040s, schedules, and K-1s with AGI, deductions, and refund/owed amounts pulled to support credit decisioning.
Common questions.
What is Cogneris's SOC 2 status?
How does Cogneris handle PII and customer data under GLBA?
What document types are supported out of the box for banking?
Can Cogneris run inside our VPC?
How long is customer document data retained?
Does Cogneris integrate with our LOS/core banking platform?
Send us a sample bundle. We'll show you what comes out.
Send us 50–100 sample documents (de-identified or under NDA). We'll run them through Cogneris and return a structured-extraction report with field-level accuracy, processing time, and compliance posture. No commitment.