Stop Pointing AI at Your Documents. Build the Harness.

The structural choice that decides which BFSI institutions ship AI in production. Notes from building document intelligence for a US regional commercial bank. TL;DR Eighty percent of the information that drives BFSI decisions lives in unstructured documents that intelligence systems cannot read. The default response (Autonomous AI Agents over the document corpus) fails SR 11-7 model risk management not for technical reasons, but because autonomy itself cannot be validated in advance. The right architecture is a constrained harness with AI inside. The AI does the interpretive work.