What was done
TD developed an AI fraud-monitoring system in-house that scans billions of data points in real time, adds context and recommends mitigation actions to its fraud team; when it spots an anomaly it identifies and triages it. A newer layer acts as a virtual assistant for frontline fraud agents, surfacing case-relevant information while they review cases and talk to clients. Humans handle client conversations.
Outcome
TD's head of Canadian fraud management said at TD TechCon 2026 that the bank onboarded these capabilities in the past year and that clients notice more personalized service. TD published no fraud-loss or time-saved figures.
Evidence: News (trade press recap of TD TechCon 2026). Figures are as reported by the source and have not been independently audited by AgentsNorth.
Prompt Reconstructed by AgentsNorth
The source didn't publish its prompt. This is our reconstruction of a starting prompt for a similar workflow, not the company's actual prompt.
You are an assistant to a bank fraud agent handling a live case. From the case record, summarize the alert, the client's recent account activity and prior contacts, and list the facts the agent should verify with the client. Suggest plain-language questions the agent can ask. Do not tell the agent to block, reverse or approve anything; the agent decides.