Breaks total operating expense down by category, benchmarks each share against a policy ceiling, and flags categories running hot.
Adjust total opex and category shares — categories over the 35% policy ceiling are flagged automatically.
| 1. Pull expense codes | Reads the last 3 months of postings by expense code from the iUL ledger via the Core Banking MCP server |
| 2. Categorise | Groups postings into staff, technology, marketing and facilities buckets |
| 3. Apply policy ceilings | Flags any category proposed above its 35% governance cap for review |
| 4. Hand off | Passes flagged categories to the Cost Reduction Agent for savings options, or the Variance Analysis Agent to track against budget |