01.
Hear the customer.
Sub-300ms voice. English, Spanish, Arabic dialects, Hindi, 100+ languages. Handles tone, interruption, ambient noise, accent.
voice.v4 · 287ms
100+ langs
barge-in
tone + intent
01Takesthe call.
02Readsthe documents.
03Decidesagainst your policy.
04Closesthe case in your system.
10M+
regulated interactions in production
78%
lower cost per interaction
800
compliance checks per exchange
4 days
contract to live calls
Why we are building Cozmo AI
01The thesis
Every seat on your floor costs $3,000 to $8,000 a month. We’re accountable for the outcome, not the seat.
An ops seat running customer work costs $3,000 to $8,000 a month fully loaded, whether it sits on your own floor or on your outsourcer’s. For that, you get one human who works one shift, speaks one language, needs six months of training, churns in eighteen, and produces an outcome your QA team samples at the end of the week.
Cozmo replaces the seat. Not assists it, not augments it. Replaces it. You stop paying for a human’s time and start paying only when the case actually resolves.
The shift your CFO has been waiting for. The shift your P&L was built to demand.
02What an AI employee actually does
A seat’s job.
Not a chatbot’s job.
The reason voice AI vendors, RPA tools and horizontal agent platforms haven’t replaced the ops seat is that they each do one piece of the seat’s job. An ops seat has to do four things, in order, on every interaction. Miss one and you still need the human.
02.
Read what the customer sends.
IDs, trade licences, bank statements, claim forms, dashcam footage, collateral packs, tax documents. Read live on the call, structured data extracted, attached to the right record.
dashcam.v2
docs.ocr
form.extract
video.analyze
03.
Decide against your policy.
Your credit box, your authority matrix, your KYC/KYB rulebook, your refund thresholds, your regulatory obligations. Applied inside the agent's reasoning, not as a post-call filter.
policy.runtime
ape · 800/exchange
authority matrix
deterministic
04.
Act in your system.
Core banking, policy admin, LMS, claims platform, CRM, case management. The case closes in your system of record before the call ends.
Guidewire
Temenos
Salesforce
Finastra LMS
INBOUND RINGHEAR·READ·DECIDE·ACTCASE CLOSED · SIGNED
One agent, all four, every time. That’s what an ops seat does. That’s what Cozmo replaces.
03The numbers a replacement actually moves
Every workflow we replace. Every number on the other side.
Live customer results. Same thesis, replace the seat, across different workflows. Pick the one on your P&L.
#WORKFLOWTHE NUMBERCUSTOMER
The pattern is the same across every workflow. The seat gets replaced, the cost line drops, the throughput metric climbs, the audit trail gets cleaner. Your outsourcer doesn’t have an answer to this. Your in-house floor doesn’t either. We do.
04Why Cozmo, not the alternatives
There is no other category that owns the whole customer workflow.
Every other approach forces you to stitch together two or three vendors and hope nothing breaks at the seams between them. The seams are where the regulator finds you.
05Compliance by design, not by policy document
Your QA team samples 2%. APE checks 100% of every exchange.
APE is Cozmo’s governance layer. It runs 800 deterministic compliance checks on every exchange the AI employee has with a customer. The full regulatory stack, enforced inside the agent’s reasoning, not bolted on as a post-call review.
APE · DETERMINISTIC CHECKS PER EXCHANGE
0
FIRED · PER EXCHANGE · P50 2.1MS
2%
What QA samples today
100%
What APE checks live
TCPA✓ LIVE
Outbound dialing with consent state tracked per customer per channel.
quiet-hoursconsent.v4channel_opt_in
FDCPA✓ LIVE
Mini-Miranda, validation notices and dispute handling enforced on every call.
mini_mirandavalidation_30ddispute_cease
GLBA✓ LIVE
Identity verification before any account information is disclosed.
auth_tier_2pii_redactionneed_to_know
BSA/AML✓ LIVE
Thresholds applied live during KYC, with SAR-relevant flags routed for review.
ctr_thresholdsar_indicatorsofac_screen
Every decision logged with the input, the rule it followed, and the policy clause behind that rule. Ready for the regulator.
06What customers say
Live in production.
Not a pilot.
Cozmo is running regulated customer operations today across insurance, banking, lending and collections, for Fortune 100s, US carriers, and digital lenders.
“
We replaced an entire collections floor. Cost per resolved account dropped 70%. The AI employee negotiates, processes the financial documents on the call, and produces an FDCPA audit trail that is cleaner than what our human team was doing.
COO
Leading US Insurance BPO
70%
↓ cost per resolved
· COLLECTIONS & RECOVERY
“
Dash-cam footage is analyzed instantly, the call is handled in the customer's language, document follow-ups happen automatically. One AI employee runs what used to be our entire FNOL desk.
Chief Product Officer
Motor Insurance Brokerage
1
AI employee replaces desk
· FNOL & CLAIMS
“
Same AI employee handling voice, messaging and documents 24/7 across English, Arabic and Spanish. No shift changes, no handoffs, no quality variation between agents.
CXO
Global Fortune 100
24/7
3 langs · 1 agent
· UNIFIED CUSTOMER OPS
07Deployment
Live calls in under 4 days. Not a pilot. Not a sandbox.
Your written compliance policies, your authority matrix, your call scripts, your system integrations. Loaded into the AI employee, dry-run against your historic calls, then live.
1
DAY 1Workflow scoping
Pick the workflow. Hand over policies, scripts, system credentials.
2
DAY 2Configuration
Compliance rules loaded into APE. Agent persona and authority matrix configured.
3
DAY 3Shadow run
AI employee runs against historic calls. You QA the transcripts and decisions side by side.
4
DAY 4Live
First live customer call. Phased ramp from there at the pace your risk team is comfortable with.
PRICINGOutcome-based.
Outcome-based.
You pay for resolved
cases, not time on
the line.
Onboarded customer. Collected account. Closed claim. Funded loan. Handled support case. Pricing is tied to the outcome the AI employee delivers, defined and measured against the same SLA your ops floor is on today.
UNIT
Resolved claim
per closed case
Collected account
per promise-to-pay
Funded loan
per disbursal
Closed support case
per CSAT-valid resolution