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Carol Calin
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Carol Calin
You manage accounts, credit and investments with rigour and under banking secrecy. I propose to bring that same discipline to how BRCI adopts artificial intelligence — keeping every piece of client data inside the bank.
As a credit & investment institution supervised by ASF and the National Bank of Romania, your edge is trust: banking secrecy, compliance, and a relationship built over time with each client. That is precisely why the obvious AI tools are dangerous to you — and why the right approach becomes a genuine advantage.
Reporting, KYC, onboarding, compliance memos, client correspondence — the back-office work that fills your week is now largely automatable. Banks that adopt well will quietly run leaner and respond faster.
Pasting a client's data or a credit file into a public chatbot ships privileged data to a third-party cloud. For a bank bound by banking secrecy and GDPR, that is the fastest way to turn a productivity tool into a compliance incident.
You don't need a 30-person IT department. With AI agents, one focused builder can ship the bespoke internal tools an agile bank needs — on infrastructure you control. Small and private becomes faster, not slower.
Each is something I have already built in a harder setting — on sensitive biometric data, forensic evidence, or under cryptographic constraints. Here is how that transfers to BRCI.
Deploy open-weight models (Llama, Mistral, Qwen) on hardware you own, plus privacy-preserving techniques so analysis happens without raw client data ever being exposed. The default, not an afterthought.
Automate document checks and flag manipulated IDs, statements, and the new wave of deepfake video/voice used to defeat remote KYC and impersonate executives.
Consolidated reporting, drafting of compliance memos, position summaries and correspondence — generated, then reviewed by your team. Humans approve; agents do the typing.
Index your BNR/ASF regulations, MiFID rules, internal procedures and (permissioned) files into a private assistant that answers with citations. Your advisors ask in Romanian; it replies from your documents only.
The best tool is useless if the people in the branches and at head office don't trust it. I run hands-on sessions (in Romanian or English) that turn advisors, back-office and support into confident users — building reusable "skills" and prompt playbooks for your real tasks. And I treat your AI budget like what it truly is: capital to allocate, not a flat subscription. (More on that below.)
Most firms either avoid AI or burn money sending every task to the most expensive frontier model in the cloud. Neither is prudent management. I treat tokens and compute the way you treat a mandate:
Route by value. Routine work runs on cheap local models (zero marginal cost, full confidentiality). High-stakes judgment is reserved for frontier models — used sparingly, with no client data attached. Cache and reuse. Knowledge indexing means you don't re-pay to "re-read" the same documents. Measure ROI. Every workflow gets a cost-per-task and a time-saved figure, reported to you like a position.
Fine-tuned vision transformers to detect manipulated video at the Netherlands Forensics Institute; thesis defended at the Dutch Ministry of Justice & Security. Fraud & forgery is my actual research domain.
Homomorphic encryption (PySyft, TenSEAL), federated learning, and zero-knowledge ML (EZKL). I make models work without exposing the sensitive data underneath — exactly your constraint.
Solo founder shipping complex systems with AI coding agents. Finalist / winner across ETHGlobal, EigenLayer, NEAR and more — speed is the whole point.
Including a 3rd-place finish (12,125 participants) in a challenge sponsored by Vitalik Buterin, and a research collaboration with Vanderbilt University. I deliver outcomes, not slide decks.
A short on-site or remote session with your team. We map where AI helps, where confidentiality forbids the cloud, and pick the single highest-value workflow to pilot. You leave with a written plan — whether or not we continue.
I build the chosen pilot — most likely the private compliance/reporting copilot — running on infrastructure you control. Clear success criteria agreed up front. Small, bounded, and yours to keep.
Roll the proven pattern across KYC, onboarding and back-office; train the team; set up your "token capital" routing and reporting. Retainer or per-project — your call, reviewed quarterly like any mandate.
For the attention of the executive management of Banca Română de Credite și Investiții (BRCI).
Dear Sir or Madam,
I came across BRCI as a credit & investment institution on the ASF register — a Romanian bank combining lending, savings and investment services for retail and corporate clients. That is exactly the environment I work best in: precision, discretion, and results you can verify.
I propose a clear engagement: to help BRCI adopt artificial intelligence without ever compromising your clients' confidentiality — local models, fraud and forged-document detection, back-office and reporting automation, and a team trained to use it with confidence. No opaque cloud, no data leaving the bank.
This page is not a generic pitch: I designed it specifically for you, in your colours, from your own priorities. If the approach resonates, I suggest we start small — a half-day audit, with no commitment — to identify together the first, highest-value workstream.
The engagement can be delivered in Romanian or English. I am at your disposal for a 30-minute conversation.
A 30-minute, no-obligation conversation. I'll come prepared with two or three concrete ideas specific to BRCI.