As enterprise core banking platforms integrate Large Language Model (LLM) agents to automate operational decisions, governing AI Tool-Calling (Function Calling) has emerged as a primary architectural challenge. When an AI agent generates tool calls to execute REST APIs—such as initiating wire transfers, adjusting credit limits, or waiving fees—the system must enforce strict regulatory controls.

A common design pitfall is confusing Structural Access Control with Stateful Business Process Logic . Attempting to force an Identity and Access Management (IAM) provider like Keycloak to evaluate stateful financial metrics (such as fetching database balances or evaluating $10,000 threshold routing) introduces tight coupling, database latency, and broken execution flows.…