Trading floor or branch desk. The instinct is the same everywhere: drop a file into an AI tool to save three hours. Except a credit file is a name, an address, an IBAN, income and a full transaction history, all gathered on a single page. And the moment that document leaves for a consumer tool, the productivity win evaporates. What is left is a breach of banking secrecy. And a problem for the compliance officer. The good news? You keep the AI. You close the leak.
Method: indicative figures, the real volume depends on the file. The point is to show where the risk concentrates, not an exact statistic.
KYC and AML: the most exposed file
A KYC file is a fraudster's dream. Everything is there: ID document, proof of address, beneficial owner, sometimes even the makeup of the household. It is also, precisely, the file compliance teams most want an AI to review or summarize. So handle it first. Pseudonymize the identities upstream, and the AML check keeps all its meaning on structured data.
IBAN, account numbers and statements: the identifier that follows the client everywhere
An IBAN does not change. Neither does an account number. It is a direct identifier, stable over time, that ties a statement back to a real, named person with no ambiguity at all. And every transaction line tells a story: rent, salary, health payments. Safe-Doc pseudonymizes these identifiers. The table layout stays put, so the AI works on amounts and anomalies without ever seeing who they belong to.
Credit scoring: useful structure, useless identity
Assessing risk? A model needs ratios, cash flows and regularity, certainly not the borrower's name. So you send the AI a pseudonymized document, get the analysis back, then re-identify the result locally. Banking secrecy never leaves the bank. And audit stays possible, because the mapping is reversible and logged.
Safe-Doc masks financial documents before the AI. The layout of statements and tables? Kept. Processing happens in the European Union, then everything is purged, with no third-party AI. For the regulatory side, see the ChatGPT and GDPR at work guide.
Banking secrecy belongs inside the bank. Pseudonymize files before handing them to an AI.