--- schema: 1 type: video title: >- Reliable, Smart Workflows for Finance, Wealth and Insurance — Karthic Rao, Perpetual description: >- “Fill out a form for Mr. Harper” becomes a process that lasts days: identify the right household, find missing information, contact the client, wait, follow up, obtain a signature and retain the evidence. Karthic Rao uses that wealth management example to show why a fixed flowchart breaks on ambiguity and an improvising agent creates a different reliability problem. At Perpetual, his design puts control flow, evidence and external actions in a deterministic system. Models handle interpretation and judgment at explicit, typed points. A judgment can create a smaller plan, but that plan must pass the same compilation and approval boundaries. The planner translates a request into a semantic graph whose nodes point back to the request. A compiler validates it against the firm's action contracts, returning a valid plan, a clarification request or a refusal. Approved plans are immutable, and external actions have separate gates tied to the exact payload. Waiting and followups are state machine steps; uncertain action outcomes go to manual review rather than automatic retries. Rao shows an illustrative 20 decision run with 19 decisions assigned to a smaller model and one to a frontier model. That ratio is a design target, not a measured fleet result. Typed, logged judgments offer a path toward privately hosted inference and future training, while the training loop remains forthcoming. Speaker info: - https://github.com/hackintoshrao - https://www.linkedin.com/in/hackintoshrao/ Timestamps: 00:00 - Reliability and intelligence in regulated workflows 2:19 - One request becomes a multiday process 5:44 - Ambiguity, approvals and evidence 6:45 - Drawing the deterministic boundary 8:01 - Typed planning and a compiler that can refuse 9:56 - Payload approvals, waits and child plans 11:45 - State machines and uncertain side effects 12:52 - Smaller model targets and the private inference roadmap canonical: >- https://liquidgold.cc/channel/aidotengineer/explore/video/reliable-smart-workflows-for-finance-wealth-and-ins-212bd670cd1f markdown: >- https://liquidgold.cc/channel/aidotengineer/video/reliable-smart-workflows-for-finance-wealth-and-ins-212bd670cd1f.md llms: null parent: 'https://liquidgold.cc/channel/aidotengineer.md' channel: aidotengineer updated: '2026-10-23T22:24:14.358Z' language: null children: [] videoId: 8g0g1ncwzG0 durationSeconds: 921 publishedAt: '2026-10-12T17:00:05.000Z' searchChunks: - ordinal: 0 text: null startSeconds: 10 endSeconds: 144 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=10' heldReason: rights - ordinal: 1 text: null startSeconds: 10 endSeconds: 144 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=10' heldReason: rights - ordinal: 2 text: null startSeconds: 10 endSeconds: 144 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=10' heldReason: rights - ordinal: 3 text: null startSeconds: 10 endSeconds: 144 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=10' heldReason: rights - ordinal: 4 text: null startSeconds: 155 endSeconds: 344 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=155' heldReason: rights - ordinal: 5 text: null startSeconds: 155 endSeconds: 344 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=155' heldReason: rights - ordinal: 6 text: null startSeconds: 155 endSeconds: 344 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=155' heldReason: rights - ordinal: 7 text: null startSeconds: 155 endSeconds: 344 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=155' heldReason: rights - ordinal: 8 text: null startSeconds: 356 endSeconds: 414 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=356' heldReason: rights - ordinal: 9 text: null startSeconds: 356 endSeconds: 414 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=356' heldReason: rights - ordinal: 10 text: null startSeconds: 425 endSeconds: 481 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=425' heldReason: rights - ordinal: 11 text: null startSeconds: 492 endSeconds: 604 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=492' heldReason: rights - ordinal: 12 text: null startSeconds: 492 endSeconds: 604 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=492' heldReason: rights - ordinal: 13 text: null startSeconds: 492 endSeconds: 604 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=492' heldReason: rights - ordinal: 14 text: null startSeconds: 615 endSeconds: 706 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=615' heldReason: rights - ordinal: 15 text: null startSeconds: 615 endSeconds: 706 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=615' heldReason: rights - ordinal: 16 text: null startSeconds: 706 endSeconds: 718 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=706' heldReason: rights - ordinal: 17 text: null startSeconds: 706 endSeconds: 718 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=706' heldReason: rights - ordinal: 18 text: null startSeconds: 718 endSeconds: 777 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=718' heldReason: rights - ordinal: 19 text: null startSeconds: 789 endSeconds: 921 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=789' heldReason: rights - ordinal: 20 text: null startSeconds: 789 endSeconds: 921 watch: 'https://liquidgold.cc/watch/8g0g1ncwzG0?t=789' heldReason: rights --- # Reliable, Smart Workflows for Finance, Wealth and Insurance — Karthic Rao, Perpetual “Fill out a form for Mr. Harper” becomes a process that lasts days: identify the right household, find missing information, contact the client, wait, follow up, obtain a signature and retain the evidence. Karthic Rao uses that wealth management example to show why a fixed flowchart breaks on ambiguity and an improvising agent creates a different reliability problem. At Perpetual, his design puts control flow, evidence and external actions in a deterministic system. Models handle interpretation and judgment at explicit, typed points. A judgment can create a smaller plan, but that plan must pass the same compilation and approval boundaries. The planner translates a request into a semantic graph whose nodes point back to the request. A compiler validates it against the firm's action contracts, returning a valid plan, a clarification request or a refusal. Approved plans are immutable, and external actions have separate gates tied to the exact payload. Waiting and followups are state machine steps; uncertain action outcomes go to manual review rather than automatic retries. Rao shows an illustrative 20 decision run with 19 decisions assigned to a smaller model and one to a frontier model. That ratio is a design target, not a measured fleet result. Typed, logged judgments offer a path toward privately hosted inference and future training, while the training loop remains forthcoming. Speaker info: - https://github.com/hackintoshrao - https://www.linkedin.com/in/hackintoshrao/ Timestamps: 00:00 - Reliability and intelligence in regulated workflows 2:19 - One request becomes a multiday process 5:44 - Ambiguity, approvals and evidence 6:45 - Drawing the deterministic boundary 8:01 - Typed planning and a compiler that can refuse 9:56 - Payload approvals, waits and child plans 11:45 - State machines and uncertain side effects 12:52 - Smaller model targets and the private inference roadmap Canonical: https://liquidgold.cc/channel/aidotengineer/explore/video/reliable-smart-workflows-for-finance-wealth-and-ins-212bd670cd1f · Channel: [AI Engineer](https://liquidgold.cc/channel/aidotengineer.md) > Search chunk text is held until public-source provenance is verified. ## Document chunks --- #### Chunk 0: Document excerpt (0:00 to 2:24) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 1: Document excerpt (2:24 to 5:44) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 2: Document excerpt (5:44 to 6:54) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 3: Document excerpt (6:54 to 8:01) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 4: Document excerpt (8:01 to 10:04) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 5: Document excerpt (10:04 to 11:46) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 6: Document excerpt (11:46 to 12:57) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 7: Document excerpt (12:57 to 15:21) > Held: transcript rights do not permit this chunk's text.