Build collections workflow strategies and take control of the AI agent.

An auditable AI collections system produces a specific, timestamped record of every decision: which account, at what time, through which channel, under which compliance parameter. Strategy Builder makes every action traceable to the rule that produced it, available for export without reconstruction. When a regulator asks a specific question, the answer is already in the log.

Three requirements: configurable rule enforcement before first contact, consistent execution of those rules across every account, and documented proof at the individual account level. Strategy Builder provides all three. Compliance officers define the parameters. Autopilot executes them. Every action is logged against the governing rule.

Segmentation means applying different contact strategies at different stages of delinquency and different risk levels. Effective segmentation distinguishes at minimum: 0–30 day accounts, 30–60 day accounts, high roll-forward risk, likely self-cure, and accounts with prior engagement history. Strategy Builder supports as many segments as the portfolio requires, with distinct tone, cadence, channel mix, and escalation logic for each.

With Strategy Builder, yes. When compliance requirements change, new regulation, updated CFPB guidance, revised internal policy, collections leaders update the parameters directly. Changes propagate on the next outreach cycle. No development ticket, no implementation window, no gap where the system runs on outdated rules.

Tone thresholds by risk band, contact cadence and retry intervals, account segmentation rules, escalation triggers and routing, payment plan negotiation guardrails (minimum and maximum terms), channel mix by segment, and all applicable compliance limits. Strategy Builder exposes all of these to collections, legal, and compliance teams, no developer required.

Every action Autopilot takes is logged against the specific Strategy Builder parameter that governs it. That creates a complete chain of documented decisions, from strategy configuration through consumer interaction outcome. Examination prep becomes a query against the audit log rather than a reconstruction of months of outreach activity.

When a consumer complaint names a specific contact at a specific time, when an examiner asks why an account was contacted under a dispute hold, when a board member asks whether the AI is within the approved compliance framework, a black-box system cannot answer any of those questions specifically. The regulatory risk is real. Strategy Builder eliminates it by making every AI decision traceable to the rule that produced it.