Platform & Engineering

How we build Accrual Bank.

An 8-person platform team and a 22-person automation COE support a 14 million customer bank. We keep it running by betting on orchestration, resilient automation, and case-based workflows where linear diagrams break down.

The estate

Automation at Accrual Bank, by the numbers.

We have been serious about RPA since 2016 and serious about orchestration since 2024. Our data warehouse has been serious about us since 2019. Here is what that looks like today.

420
Bots in production
+47 YoY
16
Orchestration processes live
9 BPMN · 6 Flow · 1 Case
8
Platform engineers
steady team
22
Automation COE members
+4 YoY
14M
Customers the platform serves
+8.2% YoY
2.8M
Bot transactions per day
+31% YoY
99.94%
Platform uptime (P1 processes)
vs 99.91% target
14.2M
Labour hours returned since 2016
cumulative
DevCon 2026 · Live outcomes

What UiPath delivers at Accrual Bank.

Four flagship automations demonstrated live at UiPath DevCon 2026. All in production. All running on UiPath.

73%
faster credit decisions
UiPath Case Management
James's demo →
41%
faster HR onboarding
UiPath Studio + Integration Service
Alex's demo →
<60s
dispute resolution time
UiPath Maestro
Milo's demo →
420
bots tested at scale
UiPath Test Suite + Test Manager
Amol's demo →
All four DevCon 2026 demos →
How the platform fits together

Four layers. One runtime. All UiPath.

Our platform team rebuilt the bank's automation stack in 2023 around UiPath. Different teams use different UiPath products as front doors into the same orchestration engine. The fourth layer is newer and covers the humans who still need to be in the loop, just with better tools.

Layer 4
UiPath Agentic Desktop  for humans still in the loop
QA use case →
Layer 3
UiPath Studio + Coding Agent  420 resilient bots
How it works →
Layer 2
UiPath Case Management  for non-linear workflows
Lending case study →
Layer 1
UiPath Maestro + Orchestrator  the runtime everything runs on
Architecture →
Layer 1 · UiPath Maestro + Orchestrator

Process and flow orchestration

The backbone. Business analysts model in a BPMN-style designer inside UiPath. Developers author the same Orchestrator runtime using UiPath Maestro, a flow-based, code-near experience. Same engine. Same deployment pipeline. Same observability.

How we chose two front doors
Layer 2 · UiPath Case Management

Structured stages, adaptive tasks

For the workflows that cannot be drawn as diagrams. Commercial lending, claims, internal investigations. UiPath Case Management gives us stages that hold structure and tasks that adapt on the fly, all on the same runtime as the orchestration layer above.

Commercial lending case study
Layer 3 · UiPath Studio + Coding Agent

Resilient RPA and code-generating agents

Our 420 bots are authored in UiPath Studio. Integrations prefer APIs and fall back to UI automation when upstream systems drift. Our UiPath Coding Agent helps the COE author, debug, and maintain bots at scale. The agent drafts. The engineer ships.

Why we fall back to UI
Layer 4 · UiPath Agentic Desktop

Desktop agents for the humans in the loop

Not every task runs in a pipeline. Our QA engineers, relationship bankers, and COE leads use UiPath Agentic Desktop to handle the work that lives between systems: reviewing test results, reconciling data across applications, and routing actions without leaving their current context. It reads what is on screen, acts across tools, and reports back.

See it in our QA workflow
How we work

Eleven principles on the platform wall.

Printed, laminated, signed by everyone. In every Accrual Bank platform team room. We update them about once every two years when someone has a better idea. We added one in April 2026.

1. Same product, many front doors

One orchestration runtime. Different authoring experiences for different audiences. No second product for developers. No second product for analysts.

2. Diagrams where diagrams work

Linear processes get BPMN. Everything else gets case management. Forcing chaos into a diagram is how you get a 47-step diagram that nobody maintains.

3. APIs first. UI automation always.

APIs are faster when they exist and stable. UI automation is the safety net when vendors deprecate without warning. Every integration ships with both paths.

4. The coding agent is a colleague

Our code-generating agent for bot authoring is a pair programmer, not a magic button. Our engineers review every change. Our agent ships faster than either alone.

5. Tests exist because bots exist

Every bot ships with contract tests for its APIs and regression tests for its UI targets. The 420th test is as important as the 1st. We test Delegate-class changes end-to-end.

6. One deploy pipeline

BPMN processes, flows, and bots all ship through the same CI. Same gates. Same rollback strategy. Same observability surface.

7. Stages over steps

When work is inherently non-linear, give it stages and tasks. Commercial lending is a case. Claims is a case. Internal investigations are a case.

8. No hero deploys

If only one person can ship a change safely, that change should not ship. Our 8 platform engineers are interchangeable, on purpose.

9. Platform serves the bank

Not the other way around. When a business team needs something that is not on the roadmap and it is reasonable, we move the roadmap.

10. Boring is a feature

Reliability is the brief. Prestige is a nice-to-have. Our incidents are rare and our pages are boring. Both are on purpose. The moment a platform starts optimizing for interesting, it stops being trustworthy.

11. The agent goes first

When something breaks, the coding agent investigates before a human does. It pulls the instance trace, walks the flow node by node, identifies the root cause, and proposes a fix. The engineer reviews and merges. We do not skip the agent step because we are in a hurry. Especially when we are in a hurry.

Principle 10.5, unofficial: if an RPA bot is doing data entry and data validation and data extraction on the same screen, that is not a bot, that is a full-time employee in disguise.

Our journey

From 5 bots to 420.

It did not happen overnight and we did not plan it this way. We just kept saying yes to the next thing and yes to writing down why.

2016
Automation COE established. First 5 bots go live in Finance. Payback measured in weeks.
2018
COE grows to 14. 120 bots in production. First bot-on-bot dependency causes us to start writing tests.
2020
Platform team formed out of the COE. 8 people. Brief to modernize the runtime underneath all the bots.
2022
First BPMN orchestration process goes live. KYC refresh for retail. Cycle time drops 60 percent.
2024
9 BPMN processes live across Retail, Capital, and Services. Case-based workflow for commercial lending enters design phase.
2025
Introduced flow-based designer for developers alongside BPMN for analysts. Same runtime. Board asks about AI.
2026
420 bots. Code-generating agent in production for bot authoring and flow debugging. Loan origination case management goes live across Accrual Bank Capital's APAC and EMEA mid-market book, cutting time-to-decision from 11 days to 2.9. Billing dispute resolution ships on Flow. HR onboarding resilience layer deployed. Agentic QA rolls out to loan origination test suite. Platform now runs 9 BPMN, 6 Flow, and 1 case-based process. Eleventh principle added to the wall. All four flagship automations demoed live at UiPath DevCon 2026.
Latest from the blog

How we think. In public.

Posts from our platform engineers and COE leads. No sponsored content. No thought leadership. Just working notes from people building this stuff.

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Automation infrastructure

Powered by UiPath.

Every bot, every flow, every case, every agent at Accrual Bank runs on UiPath. Maestro for flow orchestration. Case Management for adaptive workflows. Studio for bot authoring. Agentic Desktop for humans between systems. One platform, one runtime, one bank.

UiPath Studio UiPath Orchestrator UiPath Maestro UiPath Case Management UiPath Test Suite UiPath Agentic Desktop Coding Agent
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