Policy Copilot

The right answer, with its source. Every time.

Staff ask questions. Vaman finds the answer in your approved documents, shows the source, and refuses to answer what it cannot find. Consistent answers across every branch, every channel, every time.

Vaman Policy Copilot · Internal
Staff question
What is the maximum loan-to-value ratio for a used commercial vehicle loan under our FY26 policy?
Vaman answer
The maximum LTV for a used commercial vehicle is 70% of the current market value as assessed by an approved valuer, or the invoice value, whichever is lower. This applies to vehicles up to 5 years old at the time of loan origination.
📎 Source
Commercial Vehicle Loan Policy — FY2025-26 · Section 4.2 · Page 17
Version: v3.1 · Approved: 01 Apr 2026 · Compliance
Compliance patterns this week
LTV limits23 questions
Pre-closure charges18 questions
Recovery conduct rules11 questions
The problem

What breaks without governed AI

Staff can't find the current rule quickly

Policy documents are long, updated frequently and stored in multiple places. A branch officer who needs to answer a borrower's question about prepayment charges has to interrupt their workflow to search — or guess.

Answers vary by branch and by person

When the same policy question gets different answers at different branches, the institution faces complaints, disputes and potential regulatory findings. Inconsistency is not just a service problem — it is a conduct risk.

Compliance answers the same questions every day

Compliance teams receive repeat queries from operations, sales and branch staff about rules that are already documented. Every hour spent answering these queries is an hour not spent on real risk issues.

How it works

What the agent does, step by step

Every action is governed, logged and traceable. Your team stays in control at every checkpoint.

1
Loads and indexes your approved documents

Policy manuals, product circulars, rate cards, regulatory guidelines and internal SOPs are uploaded to Vaman. Each document is version-controlled. Only approved, current versions are searchable.

2
Staff ask in plain language through any configured interface

Questions can be asked via a web interface, MS Teams, or an internal chatbot. No query syntax required — the staff member asks as they would ask a colleague.

3
Vaman finds the relevant section and returns the answer with a citation

The answer includes the exact section, page number, document name and version. Staff can click through to the source document. If the question touches multiple documents, all sources are shown.

4
Refuses questions it cannot find a source for

If the answer is not in the approved document set, Vaman says so — and optionally routes the question to the relevant team. It does not infer, estimate or generate an answer from general knowledge.

5
Compliance team sees question patterns across the organisation

Every question and its source citation is logged. Compliance managers see which topics generate the most queries — a signal for where documentation or training needs to be improved.

Governance built in
“No source, no answer.”

Vaman Policy Copilot is bounded entirely by your approved document set. It cannot use general knowledge, internet sources or inference to fill gaps. If the answer is not in your documents, it says so — and routes the question to your compliance team.

What we measure

The measures every pilot is judged on

We agree the scorecard before the pilot begins. No metrics are invented after the fact.

Answer accuracy

Sampled monthly against approved documents by compliance

Time to answer

Seconds from question to cited response

Questions escalated to compliance

Questions the agent could not answer from documents

Repeat question reduction

Change in repeat queries to compliance team

Branch answer consistency

Variance in answers to identical questions across locations

Document citation coverage

Share of answers with a valid cited source

What it connects to

Sits on your stack. Reads and writes back.

Vaman connects to the systems you already run — reading context from them and writing every outcome back. No new data warehouse, no manual reconciliation.

See the full integration map
Connects to
Document repos (SharePoint, Google Drive, S3)Internal policy management systemMS TeamsIntranet portal / knowledge baseCompliance management toolAudit trail export (your SIEM)
Connection is via API or secure database read. Your data does not leave your environment.
Common questions

What people ask before they start

Consistent answers. Fewer escalations. Less conduct risk.

A readiness assessment gives you a prioritised use-case plan, a data readiness report and a pilot scope your board can approve — in three weeks, for a fixed fee.

Book A Readiness Assessment