Overview
Upsonic enables investment banks and portfolio management companies to automatically verify whether individuals submitting a transaction instruction are authorized to act on behalf of the relevant company.
The Agent reads signature circulars, converts complex representation and authorization rules into a structured authorization map, and validates incoming instructions based on the transaction type, amount, signatories, and applicable signing requirements.
Capabilities
Document Understanding:
Extracts authorized signatories, signature groups, validity periods, transaction limits, and relevant authorization clauses directly from signature circulars.
Signature Authority Mapping:
Transforms individual and joint representation rules into a structured authorization matrix, including Group A / Group B structures, amount thresholds, and required combinations of signatories.
Instruction Verification:
Compares the individuals submitting an instruction against the company’s authorization structure and checks whether their authority covers the specific transaction type and amount.
Evidence-Based Decisioning:
Displays the verification result together with the relevant source document and authorization clause, allowing operations teams to understand exactly why an instruction is considered authorized or requires further review.
Case Study
Traditional Workflow
In a traditional workflow, operations teams manually review the company’s signature circular each time a transaction instruction is received.
Employees identify the authorized individuals, determine their signature groups, review transaction limits, and interpret whether representation is individual or joint. They then compare these rules against the names on the incoming instruction and determine whether the transaction can be executed.
For companies with complex authorization structures, multiple signature groups, or different transaction limits, this process requires repeated manual document review and can create inconsistencies in how authorization rules are interpreted.
Workflow with Upsonic
With Upsonic, the signature circular is automatically read and converted into a structured authorization map.
The Agent identifies each authorized individual, their signature group, validity period, transaction limits, and individual or joint representation requirements.
When a new instruction is received, the Agent evaluates:
- The transaction type
- The transaction amount
- The individuals submitting the instruction
- Their respective signature groups
- The required combination of signatories
- The validity of their authorization on the transaction date
For example, if a TRY 2,499,000 transaction requires the joint signatures of one Group A and one Group B signatory, the Agent checks whether the submitted instruction satisfies that exact requirement.
If the instruction is compliant, the Agent marks it as Authorized.
If a required signatory is missing, an authorization has expired, or the transaction exceeds the permitted limit, the Agent flags the instruction as Review Required and identifies the specific reason.
The verification result is shown together with the relevant signature circular and authorization clause, enabling operations teams to review both the decision and its supporting evidence from a single screen.
Impact
Upsonic reduces the need for operations teams to repeatedly review signature circulars and manually interpret complex signing rules for every transaction.
By converting authorization structures into reusable, machine-readable rules and applying them consistently to incoming instructions, the Agent helps financial institutions accelerate transaction verification, reduce manual workload, and standardize authorization controls.
Operations teams can focus primarily on exceptions and ambiguous cases while retaining full visibility into the source and rationale behind every verification result.