Financial Services
Verified, on the record, every time.
Your team fields balance checks, transaction questions, and card disputes all day. None of it can be answered until the caller is verified. A verification step that's slow or undocumented is where risk gets in, and where a call can't be proven later.
Hi, there's a charge on my card I don't recognize. Can you tell me what it is?
I can look into that. First I need to verify a couple of things on the account.
- verify_identity
- accounts.lookup
- warm_transfer
You're verified. That charge was a subscription renewal from the 14th, and I'm transferring you now to a licensed specialist with your account and this charge already attached.
What it handles
Verification first. Then the account question gets answered.
Multi-step caller verification
Before anything account-specific comes up, the agent verifies the caller across more than one factor. A sensitive action never runs on a single unverified detail.
Balance, transaction, and card questions
Once the caller is verified, the agent answers straight from the account record. It never guesses, and it never answers before verification clears.
Dispute intake
The agent collects the transaction details and any supporting documents up front, before the case ever reaches a person.
Payment reminders
Reminder outreach goes out by call and email, paced to the schedule you set. Never a text message.
Warm transfer to licensed staff
When a case needs a licensed person, the agent transfers the call with the account and the case history already attached.
Every step logged
Every verification attempt and every action taken is written to the log automatically, so a call can be reconstructed after the fact.
A short word on sensitive accounts
A posture you configure.
You decide how personal data is handled per agent, and every verification step and action taken is written to the log automatically.
- Verification gates before sensitive actions
- The agent verifies identity before it shares a balance, a transaction, or any account detail. There is no path around the gate.
- Every step in the audit log
- Every verification attempt and every action taken is logged automatically, so a call can be reconstructed after the fact.
- PII handling modes: full, redacted, or none
- You decide how personal information in a transcript is handled, per agent. Nothing is scrubbed, redacted, or kept without your say.
- Escalation to licensed staff, with full context
- When a case needs a person, the handoff carries the whole conversation and the account record with it. No one repeats themselves after talking to the agent.
Zumu routes sensitive account matters to your licensed staff. It is not a financial advisor and it does not make lending, credit, or account decisions. Talk to us about your specific requirements.
Works with your stack
Connects to the core banking and systems you already run.
- MCP servers
- Your own APIs and tools
- Your core banking or CRM, by tool call or API
- Calendar booking, by tool call
- Webhooks
- Your knowledge base
Book a demo
Free your licensed staff for the calls that need them.
Put a Zumu agent on your phones and your website. It verifies every caller, answers from the account record, and brings your team in only when a case needs a licensed person.