On May 21, 2026, TD publicly detailed its first agentic AI application, built inside Layer 6 and running today across TD mortgage and TD Home Equity FlexLine applications. The model handles document scanning, income calculation, policy validation, consent checks, income verification, discrepancy search, and underwriter memo generation. PYMNTS measured the impact: the pre-adjudication queue, which used to average 15 hours before a human underwriter opened the file, now averages under 3 minutes. That is a 300x compression of one of the most reliably slow steps in Canadian mortgage origination.
As a CEO, your mornings set the tone for everything that follows. Mine used to start the same way every day: open Gmail, scan for fires. Switch to Slack, scroll through channels and DMs. Check Google Calendar. Open Jira. Glance at Notion. Pull up Granola to review yesterday’s meeting notes. By the time I’d pieced together a picture of what actually needed my attention, forty-five minutes had evaporated—and I hadn’t done a single productive thing yet.
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