The accountable human has to be nameable
Most financial regulation was written assuming a person made the decision. An agent doesn't remove that expectation, it just makes it harder to evidence — which is the entire problem Spectre exists to solve.
Operational resilience rules also pull third-party dependencies into scope, so the enforcement path being self-hostable tends to matter more here than anywhere else.
Agents we see
- KYC and onboarding document review
- Reconciliation and exception handling
- Client reporting and renewal operations
- First-pass triage on surveillance alerts
Where holds fire
- Client data crossing the account boundary
- Anything that could initiate a payment
- Bulk export ahead of a reporting deadline
- Off-hours writes to books and records