Handeware Estate Scanner

Recommendation tier	Processes
Pilot candidate	3
Quick win	0
Assessment needed	3
Defer — discovery first	0
Already automated — monitor only	1

Process	Readiness	Agentable touchpoints	Recommendation
Card Dispute Intake & Resolution	78	4	Pilot candidate
KYC Periodic Review	74	3	Pilot candidate
Funding Memo Approvals	71	3	Pilot candidate

Modeled workflows	Discovered workflows	Workflow signals	Unmodeled agent-ready
3	4	5	1

Processes	Decisions	Total tasks	Human touchpoints	Agentable touchpoints	Average readiness score
7	1	46	18	16	68.1
Discovered workflows	1
Agent-amenable discovered (score ≥ 70)	1
Task mix — KEEP_DETERMINISTIC	27 (59%)
Task mix — AGENT_CANDIDATE	12 (26%)
Task mix — AGENT_WITH_HITL	4 (9%)
Task mix — NEEDS_DISCOVERY	3 (7%)
Task mix — HUMAN_ONLY	0 (0%)

Process	Source	Origin	Tasks	Auto %	Exceptions	Decisions	Agentable	Readiness	Recommendation
Card Dispute Intake & Resolution	card_dispute_intake.bpmn	Modeled	8	50%	1	Y	4	78	Pilot candidate
KYC Periodic Review	kyc_periodic_review.bpmn	Modeled	7	57%	0	Y	3	74	Pilot candidate
Funding Memo Approvals	funding_memo_approvals.csv	Discovered	7	29%	0	—	3	71	Pilot candidate
Payments Release	payments_release.jil	Batch	5	80%	0	—	1	67	Assessment needed
EOD Batch	eod_batch_controlm.xml	Batch	8	75%	0	—	2	66	Assessment needed
Wire Payment Exception Repair	wire_exception_repair.bpmn	Modeled	8	50%	1	—	3	66	Assessment needed
Ops	ops.cron	Batch	3	100%	0	—	0	55	Already automated — monitor only

Name	Kind	Cadence	Occurrences	Evidence
Daily Recon	fileshare	daily	14	14 files over 13 days
Funding Memo Approval	mailbox	daily	12	12 messages, 4 threads, avg reply depth 0.9
Rate Exception Override Request	mailbox	weekly	8	8 messages, 3 threads, avg reply depth 0.9
Monthend Gl Extract	fileshare	monthly	4	4 files over 92 days
Breaks Workbook	fileshare	ad-hoc	3	3 files over 159 days

Processes

Card Dispute Intake & Resolution

/private/tmp/claude-502/-Users-braithewarnock-Documents-Claude-Projects-handeware-enterpriseaws/e80ef436-ec0e-42e0-84a6-c5900e3178f7/scratchpad/ev_scan/samples/card_dispute_intake.bpmn · bpmn · Lanes: Intake Ops, Investigations, Compliance

78 Pilot candidate

+40 base
+8 digitization (4/8 tasks automated)
+10 decisions externalized (DMN refs or business rule tasks)
+15 agentable touchpoints (4/4 human touchpoints)
+5 governance definable (1 exception path)

Task	Type	Lane	Classification	Conf	Rationale
Fetch card transactions	serviceTask	Intake Ops	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Review dispute claim	userTask	Intake Ops	AGENT_CANDIDATE	0.80	Judgment task ('review') with digitizable context.
Manually locate transactions	userTask	Intake Ops	AGENT_CANDIDATE	0.70	Information-gathering task — tool-using agent fit.
Determine chargeback eligibility	businessRuleTask	Intake Ops	KEEP_DETERMINISTIC	0.90	Decision logic already externalized — port to policy, do not agentify.
Post provisional credit	serviceTask	Intake Ops	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Investigate merchant response	userTask	Investigations	AGENT_CANDIDATE	0.80	Judgment task ('investigate') with digitizable context.
File regulatory dispute record	userTask	Compliance	AGENT_WITH_HITL	0.75	High-risk domain signal 'regulatory' — agent with human-in-the-loop.
Close dispute case	serviceTask	Intake Ops	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.

KYC Periodic Review

/private/tmp/claude-502/-Users-braithewarnock-Documents-Claude-Projects-handeware-enterpriseaws/e80ef436-ec0e-42e0-84a6-c5900e3178f7/scratchpad/ev_scan/samples/kyc_periodic_review.bpmn · bpmn · Lanes: Operations, Compliance

74 Pilot candidate

+40 base
+9 digitization (4/7 tasks automated)
+10 decisions externalized (DMN refs or business rule tasks)
+15 agentable touchpoints (3/3 human touchpoints)

Task	Type	Lane	Classification	Conf	Rationale
Pull customer profile	serviceTask	Operations	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Run sanctions and PEP screening	serviceTask	Operations	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Review screening hits	userTask	Compliance	AGENT_WITH_HITL	0.75	High-risk domain signal 'sanction' — agent with human-in-the-loop.
Perform enhanced due diligence	userTask	Compliance	AGENT_WITH_HITL	0.60	Sits in risk-owning lane 'Compliance'.
Compute customer risk rating	businessRuleTask	Operations	KEEP_DETERMINISTIC	0.90	Decision logic already externalized — port to policy, do not agentify.
Approve risk rating override	userTask	Compliance	AGENT_WITH_HITL	0.75	High-risk domain signal 'override' — agent with human-in-the-loop.
Update customer profile	serviceTask	Operations	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.

Funding Memo Approvals

/private/tmp/claude-502/-Users-braithewarnock-Documents-Claude-Projects-handeware-enterpriseaws/e80ef436-ec0e-42e0-84a6-c5900e3178f7/scratchpad/ev_scan/samples/funding_memo_approvals.csv · mined · Lanes: Dana Ortiz, Miguel Torres, Priya Natarajan, Wei Zhang, system

71 Pilot candidate

+40 base
+4 digitization (2/7 tasks automated)
+9 agentable touchpoints (3/5 human touchpoints)
+8 variance (only 20% of cases follow the modal path — judgment-heavy, agent-amenable)
+5 rework (40% of cases repeat steps — agent absorbs retries)
+5 email-mediated coordination
discovered from 10 cases / 64 events; 6 variants; median cycle 65.0h

Mined evidence: 10 cases · 64 events · 6 variants · top-variant coverage 20% · rework 40% · avg handoffs 5.1 · median cycle 65.0h · channels: email 36, portal 12, spreadsheet 7, phone 9

Task	Type	Lane	Classification	Conf	Rationale
Request received	userTask	Priya Natarajan	NEEDS_DISCOVERY	0.40	Human task with no classifiable signal.
Rekey into funding system	serviceTask	Wei Zhang	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Verify wire details	userTask	Dana Ortiz	AGENT_CANDIDATE	0.80	Judgment task ('verify') with digitizable context.
Approve funding memo	userTask	Miguel Torres	AGENT_CANDIDATE	0.80	Judgment task ('approve') with digitizable context.
Update tracking spreadsheet	userTask	Priya Natarajan	NEEDS_DISCOVERY	0.40	Human task with no classifiable signal.
Send confirmation	serviceTask	system	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Chase approver via email	userTask	Wei Zhang	AGENT_CANDIDATE	0.80	Judgment task ('approve') with digitizable context.

Payments Release

/private/tmp/claude-502/-Users-braithewarnock-Documents-Claude-Projects-handeware-enterpriseaws/e80ef436-ec0e-42e0-84a6-c5900e3178f7/scratchpad/ev_scan/samples/payments_release.jil · scheduler

67 Assessment needed

+40 base
+12 digitization (4/5 tasks automated)
+15 agentable touchpoints (1/1 human touchpoints)

Task	Type	Lane	Classification	Conf	Rationale
Pay Extract Batch	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Pay Format Swift	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Pay Sanctions Screen	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Pay Release Approve	userTask	—	AGENT_CANDIDATE	0.80	Judgment task ('approve') with digitizable context.
Pay Submit Gateway	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.

EOD Batch

/private/tmp/claude-502/-Users-braithewarnock-Documents-Claude-Projects-handeware-enterpriseaws/e80ef436-ec0e-42e0-84a6-c5900e3178f7/scratchpad/ev_scan/samples/eod_batch_controlm.xml · scheduler

66 Assessment needed

+40 base
+11 digitization (6/8 tasks automated)
+15 agentable touchpoints (2/2 human touchpoints)

Task	Type	Lane	Classification	Conf	Rationale
Load Positions	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Calc Pnl	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Gl Extract	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Eod Recon Auto	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Eod Recon Manual Check	userTask	—	AGENT_CANDIDATE	0.80	Judgment task ('check') with digitizable context.
Release Payments Hold	userTask	—	AGENT_CANDIDATE	0.80	Judgment task ('release') with digitizable context.
Report Distribution	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Archive Logs	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.

Wire Payment Exception Repair

/private/tmp/claude-502/-Users-braithewarnock-Documents-Claude-Projects-handeware-enterpriseaws/e80ef436-ec0e-42e0-84a6-c5900e3178f7/scratchpad/ev_scan/samples/wire_exception_repair.bpmn · bpmn · Lanes: Payment Ops

66 Assessment needed

+40 base
+8 digitization (4/8 tasks automated)
+15 agentable touchpoints (3/3 human touchpoints)
+5 governance definable (1 exception path)
-2 opacity drag (1/8 tasks untyped)

Task	Type	Lane	Classification	Conf	Rationale
Validate payment message format	serviceTask	Payment Ops	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Normalize routing fields	scriptTask	Payment Ops	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Repair payment instructions	userTask	Payment Ops	AGENT_CANDIDATE	0.80	Judgment task ('resolve') with digitizable context.
Call beneficiary bank to confirm details	userTask	Payment Ops	AGENT_CANDIDATE	0.80	Judgment task ('confirm') with digitizable context.
Escalate to payment investigations	userTask	Payment Ops	AGENT_CANDIDATE	0.80	Judgment task ('escalate') with digitizable context.
Resubmit wire	serviceTask	Payment Ops	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Await Fed acknowledgement	receiveTask	Payment Ops	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Update reconciliation spreadsheet log	task	Payment Ops	NEEDS_DISCOVERY	0.50	Untyped activity — requires discovery.

Ops

/private/tmp/claude-502/-Users-braithewarnock-Documents-Claude-Projects-handeware-enterpriseaws/e80ef436-ec0e-42e0-84a6-c5900e3178f7/scratchpad/ev_scan/samples/ops.cron · scheduler

55 Already automated — monitor only

+40 base
+15 digitization (3/3 tasks automated)

Task	Type	Lane	Classification	Conf	Rationale
Positions Load	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Gl Export	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.
Email Digest	serviceTask	—	KEEP_DETERMINISTIC	0.90	Already automated — leave deterministic.

Demo Bank

Executive summary

Opportunity pipeline

Top opportunities

Gap analysis

Estate summary

Portfolio

Workflow signals

Processes

Card Dispute Intake & Resolution

KYC Periodic Review

Funding Memo Approvals

Payments Release

EOD Batch

Wire Payment Exception Repair

Ops

Decision inventory

Scan coverage & caveats

What next

Validated assessment

Engine parity pilot

Governance pack

The next proof