Building agents for banking is 30% AI work and 70% compliance plumbing. The 30% is the easy part. Here's how to handle the 70%. The first time you build an underwriting agent for a bank, you'll write the credit logic in about a week. Then you'll spend the next two months on audit logging, explainability, human-in-the-loop checkpoints, and data residency and you'll understand why fintech AI projects take longer than the demo suggests. This is the architecture that gets through an audit, us...