01Current applied research · 2026
Self-validating extraction from heterogeneous bank statements
QuestionHow should an AI system read financial documents when formats vary by bank, periods are ambiguous, and a wrong guess reaches a real application?
In mortgage operations, bank statements and income documents arrive in inconsistent layouts, often before the case requirements are known. Extraction is paired with a reconciliation pass that decides which requirement each document satisfies — and when a person has to decide instead.
Approach
- Two passes: understand the document first, reconcile it against requirements once the case profile exists
- One physical file may satisfy several monthly requirements, each with its own evidence and confidence
- Weaker evidence (a payment date instead of a statement period) is explicitly discounted
- Every unplaced document raises a visible notice for an adviser
Finding
The system is built around three refusals: it never invents a period, never overrides a human assignment, and never silently drops a file.
Now informing
Governed AI is designed as much around what the system must not do as around what it automates.
ActiveEvolium applied research, applied in current client work.


