For banks, credit unions, broker-dealers, RIAs

Voice AI for financial services.

Account opening, KYC refresh, loan pre-qualification, fraud-alert response. Sensitive numbers — SSN, PAN, account number — captured via DTMF, never via voice. BSA/AML CIP, OFAC, FCRA/ECOA, Reg E, Reg BI, Form CRS, GLBA enforced at the API boundary.

Try the live demo → Financial gate map

By Addie Conner · Last reviewed 2026-06-05.

Kill-shot — financial-services vertical

Sierra is the closest competitor. The wedge is regulated-financial depth, not general agent quality.

Sierra (Bret Taylor's voice-agent platform) is the most credible direct competitor — well-funded, well-engineered, multi-vertical. Cresta covers contact-center AI broadly. Both can eventually cover Reg E, Reg BI, and FINRA scope. The buy-vs-build window for mid-sized banks, credit unions, and independent broker-dealers is the same 24-36 months: by the time Sierra ships a regulated-financial-specific pack with FINRA capture wired in, the in-house Wells/JPM/BofA builds will also be live.

Where Sage Voice wins inside the window:

  • Regulated-financial-specific scripts. Reg E EFT enrollment summary, Reg BI suitability capture, Form CRS link delivery, FCRA notice timing, OFAC silent-escalation with tipping-off avoidance — wired into the prompt library, not delegated to a generalist agent.
  • DTMF for PAN, SSN, account number. Cardholder data never enters Worker memory in plaintext. P2PE channel for PCI DSS v4.0 scope. Sierra's general-purpose orchestration does not assume this discipline by default.
  • FINRA + state-DFS posture. NYDFS 23 NYCRR 500 third-party-risk hooks exposed; FINRA Rule 2090 KYC capture structured. The mid-sized RIA and broker-dealer ICP needs these on day one.
  • Mid-market ICP. Sierra and Cresta optimize for the top of the enterprise stack. Sage Voice targets credit unions, community banks, and mid-sized RIAs who would otherwise stitch together a multi-vendor build with eight-figure project cost.

Kill condition. If Sierra ships a financial-services vertical pack with Reg E + Reg BI capture, or a core-banking vendor (FIS, Fiserv, Jack Henry) ships a native voice-AI module, the financial vertical compresses into an acquihire window faster than insurance or healthcare.

Compliance posture

Federal baseline, state and prudential overlays.

BSA / AML CIP capture

31 CFR § 1020.220 (banks); § 1023.220 (broker-dealers); FINRA Rule 2090. Structured CIP fields with audit-log linkage. Tenant supplies documentary or non-documentary verification.

OFAC sanctions screening

31 CFR Part 501. Pre-funding screening hook with silent escalation on hit — assistant does not reveal the outcome to the customer (tipping-off avoidance). SDN review routes to compliance officer.

FCRA / ECOA notice

15 USC § 1681 (FCRA); 12 CFR Part 1002 (Reg B / ECOA). Scripted before any credit pull; acknowledgement captured. Adverse-action notice path triggered on tenant decline.

Reg E electronic-fund-transfer summary

12 CFR Part 1005. Disclosure summary delivered on EFT enrollment; full Reg E disclosures mailed/emailed via the tenant's downstream pipeline. Acknowledgement timestamped.

Reg BI + Form CRS

17 CFR § 240.15l-1 (Reg BI); § 240.17a-14 (Form CRS). Broker-dealer suitability capture; Form CRS link delivery and receipt confirmation in the audit log.

GLBA Privacy + Reg P

15 USC § 6801; 16 CFR Part 313 (Reg P). Privacy notice delivery confirmable per tenant's GLBA program. NYDFS 23 NYCRR 500 third-party-risk hooks exposed for covered entities.

Sensitive-number handling

DTMF for SSN and PAN. P2PE for cardholder data.

Full SSN, PAN, and account numbers are captured via keypad DTMF, never via voice. The audit log never contains these values in plaintext. For tenants with PCI DSS v4.0 scope, Sage Voice operates as a P2PE channel — cardholder data does not enter the Worker memory in plaintext.

The orchestrator (Retell or Vapi) gates the DTMF capture window; the Worker only sees a redacted token. The tenant's downstream PCI-scoped system receives the actual values via a separate secure channel and is the system of record for cardholder data.

Use cases

Where financial-services tenants deploy Sage Voice.

Deposit account opening

CIP + CDD capture, OFAC screening, GLBA privacy notice. Hand off to banker for funding and signature card.

Loan pre-qualification

FCRA-noticed credit pull authorization. Qualification ranges only — no commitment. Adverse-action notice triggered on tenant decline.

Fraud-alert response

Verify recent transactions via DTMF; escalate on confirmed fraud. Reg E error-resolution timeline started in the audit log.

Annual KYC refresh

Periodic-review documentation. CIP re-verification. Enhanced due diligence on threshold-triggering accounts.