Introducing Mellon Agentic Operating System
The end-to-end toolkit to run your entire Digital Workforce
Five layers to govern your AI workforce, each with one job.
Layer 05
Application
Where your teams do the work
Business operators get dedicated screens, custom-built for their work, not a chat window. Every interaction with a Worker cites its sources, and every decision is kept with its context.
The same submission (SUB-2291, Northgate Trading, marine cargo), handled two ways. Today it is spread over a spreadsheet, a document of notes, the team's chat and a to-do list. In Mellon it is on the Underwriting Operating Desk, with the Worker's recommendation to refer it to the Group Head for final approval, its sources, what it did and the facts it read.
#marine-underwritingnowThe email says €4.2m but the schedule says €4.0m
Northgate Trading, marine cargo
Received 12 Aug through the broker portal. The rest of the pack is in my email.
Requested limit €4.2m. Our authority is €3m? Or €3.5m, check the guidelines (v11 or v12??).
Bound twice before, last one in March I think. Old binder is in the shared drive.
Treaty: CAT XL, renewed?
Two fields missing from the pack. Chase the broker.
Comment
Which version is current? Someone said v12.
- chase Northgate for 2 missing fields - authority 3m or 3.5m ?? - is the CAT XL treaty still in force - update the bordereau (again) - reply to the broker by 5pm - find the March binder
12/08/2026
Layer 04
Oversight
Build, evaluate, govern and observe
Where Workers earn the right to run. Every Worker goes through a standard evaluation lifecycle before deployment: tested on frozen reference data and measured on correctness and cost. Once live, it's covered by observability, reliability alerts, spend governance and access controls your risk team can read.
Evaluations
Every Worker is tested against your experts' answers before it ships
Workers under test
5
10,000 expert answers
Average score
91
↑ 2 points in 30 days
Stopped at the gate
3
In the last 90 days
Live and watched
4
Quality, spend, overrides
Layer 03
Execution
The runtime, built not to break
Runs inside your perimeter. Reasoning steps and rule-based steps work together, so each task uses exactly the intelligence it needs. Workers reach your systems of record through reusable connectors, with retries and recovery built in.
Submission triage · Northgate Trading
SUB-2291 · Worker version 4.2 · runs in the EU (Frankfurt) · 44s so far · €1.41
Steps5 of 8 done
Property dataCall · recovered
15:50:12Asked the property data service
15:50:32No answer after 20s: timed out
15:50:32Run state saved at step 3
15:50:33Tried again from the saved state
15:50:44Answer received: 3 fields
15:50:44Carried on at step 4, nothing done twice
Every step goes to the audit record, inside your boundary.
Layer 02
Inference
Any model, tuned to insurance
Each step runs on the model that suits it, at the right tier and in the right place, and a model can be swapped without rewriting the workflow. Open models tuned to insurance can run inside your estate. No workflow depends on one model.
Models
Each task has an approved model and its fallbacks; failover is automatic and recorded
EU cloudHealthy
Frankfurt · 99.98% up
p95 2.9s
Mellon inferenceHealthy
EU · 99.99% up
p95 1.3s
Your cloudHealthy
Private GPU · 99.87% up
p95 1.9s
Failovers, 48h
All recovered
6
Layer 01
Knowledge Layer
Context, curated and served
An index of your business and the work record of every Worker running on Mellon. It gives Workers the context they need, fast and efficiently.
Read more about the Knowledge LayerKnowledge Layer
Documents and systems, read once and kept in order, with the permissions they have at source
Underwriting guidelines214
Guidelines v12.pdf
Appetite 2026.pdf
Referral rules.docx
Binders132
binder-2026.pdf
Submission files12,840
Claims files48,210
Policy system3.1m rows
Regulatory library3,120
Guidelines v12.pdfUnderwriting only
SharePoint · 42 pages · synced 12 minutes ago
Read into the Knowledge Layer5 facts
Same permissions as the source: if someone can't open the file, they can't see its facts.
See Mellon across your organisation
Tell us about your organisation, and the right person on our team will be in touch.
Get in touchSecurity and control, built in
Mellon runs in the cloud, under keys you hold. Its Workers read your systems and write to them only with your permission. Every run is sealed in a record you can access in full, at any time.
- GDPRFrom day oneDetails(opens the official page)
- UK GDPRFrom day oneDetails(opens the official page)
- EU AI ActRecord-keeping, human oversight and transparency, in every runDetails(opens the official page)
- SOC 2 Type IIOn our published roadmapDetails(opens the official page)
- ISO 27001On our published roadmapDetails(opens the official page)