AI Agent Development · Miami

AI agent development in Miami.

Miami sits on top of three operational stacks that almost no other US city has at this density: Latin America-facing fintech and payments, the world's cruise and maritime industry, and the FinCEN-registered crypto exchanges that moved here after 2021. The agent workloads here are shaped by multilingual customer bases (Spanish, Portuguese, English), multi-jurisdiction regulators, and an unusually high share of cross-border data that does not fit a US-only template.

MasterCard runs its LatAm HQ here and processes cross-border payment disputes that span four jurisdictions in a single case. Carnival, Royal Caribbean, and Norwegian coordinate port-call ops where USCG, IMO MARPOL, and a dozen destination regulators all touch the same itinerary. Citadel, hedge funds, and Citadel-adjacent trading firms have moved trading ops to Brickell. World Fuel Services runs marine and aviation fuel distribution at port scale.

Fixed-scope projects, quoted to fit. Discovery first, fixed quote after, four to eight weeks of build with weekly demos on Eastern time.

How we work

Tell us about the workflow.

The shape of agent work in Miami.

The first pattern is cross-border payments and dispute ops. MasterCard's LatAm HQ in Doral, Visa's LatAm presence, and the long tail of remittance and B2B payment players in Brickell all handle cross-border payment disputes that span three or four jurisdictions per case. The SWIFT and ISO 20022 message flow (pacs.008, pacs.002, pacs.004, camt.029) is deterministic, but the customer-side narrative and the regulator-facing response (CONDUSEF, Procon, Superintendencia Financiera, Banco Central do Brasil) requires multilingual drafting that the agent owns.

The second pattern is cruise and maritime ops. Carnival Corporation, Royal Caribbean, and Norwegian are all headquartered in or near Miami, and PortMiami is the largest cruise port in the world. A single port-call combines USCG arrival reporting, IMO MARPOL waste declarations, customs and immigration filings for the destination country, fuel and provisioning coordination, crew rotation logistics, and passenger excursion scheduling. An agent that ingests the planned itinerary and surfaces conflicts saves a port-call coordinator hours per ship-day.

The third pattern is crypto and RegTech. The post-2021 FinCEN-registered MSB segment in Miami is unusually dense for a US city. KYC, AML, and SAR workflows combine on-chain forensics (Chainalysis, TRM Labs, Elliptic), traditional sanctions and adverse-media screening, and multilingual customer communication. The BSA officer is the regulatory signer. The agent assembles the case file.

The fourth pattern is trading ops at the firms that moved here from New York and Chicago. Citadel's Miami office and the trading-firm cluster around Brickell run middle-office workflows (trade affirmation, fail reconciliation, regulatory reporting) that look similar to New York but with the headcount budget of a younger office and a stronger interest in agent-assisted workflows from day one.

The fifth pattern is logistics and trade compliance. World Fuel Services in Doral runs marine and aviation fuel distribution that touches IMO bunker delivery notes, ISO 8217 fuel specs, and customs declarations across dozens of jurisdictions. The port-adjacent customs-brokerage and freight-forwarding community runs similar shape workflows. Trade compliance is the bottleneck and the agent is the orchestrator.

What ties all of these together is the multilingual, multi-jurisdiction reality that most US-built agent products handle poorly. An agent built for Miami starts with that assumption baked in.

What we build for Miami clients.

Six components that show up in nearly every agent we ship for LatAm fintech, cruise, crypto, and logistics teams in South Florida.

Multilingual agent loop

LangGraph state machines with per-language eval sets. Spanish (country-aware: MX, CO, AR, PE), Portuguese (BR), English. Regulator-template responses for CONDUSEF, Procon, Superintendencia Financiera, and US-side equivalents.

Tool integrations for LatAm fintech

SWIFT and ISO 20022 message parsing (pacs.008, pacs.002, pacs.004, camt.029), Persona and Alloy KYC, Chainalysis and TRM Labs on-chain forensics, OFAC and SDN screening, adverse-media in Spanish and Portuguese.

Maritime and port-call integrations

USCG NVMC port-call APIs, IMO FAL forms, fuel and provisioning vendor EDI feeds, customs and immigration filings per destination, cruise-line PMS systems. Time-zone aware scheduling for global ship operations.

Human-in-the-loop gates per regulator

BSA officer for SARs, dispute analyst for cross-border claims, port-call coordinator for itinerary changes, trade-compliance officer for customs filings. Each gate routes with the assembled case file and the relevant regulator-template language.

Audit log for multi-jurisdiction review

FinCEN 31 CFR Chapter X, NY DFS Part 200 BitLicense, USCG inspection requirements, CONDUSEF and Procon documentation rules. Append-only log with model and prompt versioning, queryable by case ID and jurisdiction.

Evaluation harness per language and regulator

Labeled sets per market (MX, BR, CO, US). Task completion, hallucination, and tool-call accuracy measured per locale. Regression suite gates CI on every prompt or model change so a Spanish-quality drop is caught before production.

Why this work fits Miami.

Miami is the operational capital of Latin America for US-domiciled firms. MasterCard, Visa, and the major remittance players run their LatAm operations from Doral and Brickell. The cruise industry concentrates here in a way no other city matches: Carnival, Royal Caribbean, and Norwegian together carry well over half of the global cruise market. The post-2021 financial and crypto migration brought Citadel, Blackstone, and a wave of FinCEN-registered crypto exchanges into the metro.

The connective tissue is multilingual, multi-jurisdiction, and cross-border. Agent workloads here have to handle Spanish and Portuguese as first-class outputs, multiple regulators per workflow, and time-zone realities that span Eastern through Brasilia and Buenos Aires. Off-the-shelf agent products built for US-only stacks miss most of this. We build for the actual shape of the work.

We work remotely with Miami clients on Eastern time. Discovery calls fit between 9am and 6pm ET, demos happen weekly, and the codebase ships to a repository you own. The team works in English and Spanish at the spec and review level; agent output gets native-speaker review on the labeled set.

Industries where we see strongest fit: LatAm-facing payments and remittance, cross-border B2B fintech, cruise and maritime ops, crypto exchanges and FinCEN-registered MSBs, trade-finance and customs brokerage, and trading-ops middle office for relocated firms.

Questions from Miami clients.

Can an agent handle cross-border-payment disputes that span US, Mexico, Brazil, and Colombia regulators?: Yes, with the right compliance scaffolding. A typical LatAm cross-border dispute touches the US-side correspondent bank, the receiving institution under CNBV (Mexico), Banco Central do Brasil, or Superintendencia Financiera (Colombia), plus the SWIFT/ISO 20022 message chain (pacs.002, pacs.004, camt.029). The agent owns the document and message assembly: it pulls the original pacs.008, the rejection or return message, the customer claim, and the available KYC packet, then drafts the response message and the customer-facing letter in the right language. Each jurisdiction has its own response window (the EU has SEPA SDD 8-week rules, Mexico has CONDUSEF 35-day windows). The agent tracks the windows and routes to a human dispute analyst before any irrevocable response goes out. Multilingual output in Spanish, Portuguese, and English is built in; we use the same eval set per language so quality is verified per market, not just for the English path.
How does an agent fit into Carnival-style cruise port-call coordination?: Cruise port-call ops at Carnival, Royal Caribbean, and Norwegian (all headquartered in or around Miami) is a synchronization problem: maritime regulations from the USCG and the relevant flag state, the local port authority schedule, customs and immigration for the destination country, fuel and provisioning vendors, crew rotation logistics, and the passenger excursion schedule all have to line up to the hour. An agent handles the coordination layer: it ingests the planned itinerary, queries port-call APIs (where they exist) or pulls from email and EDI feeds, identifies conflicts (a fuel delivery scheduled against a tide-restricted window), and drafts the resolution proposal for the port-call coordinator. The agent does not auto-confirm anything with the port authority. The coordinator signs every decision. The audit trail covers USCG inspections and IMO MARPOL requirements.
Can a crypto exchange in Miami use an agent for KYC and FinCEN reporting?: Yes, and we have scoped this work for the FinCEN-registered money-service-business segment that has clustered in Miami since 2021. Crypto KYC and AML at exchange scale involves OFAC sanctions screening, FinCEN CTR and SAR triggers at the $10,000 and suspicious-activity thresholds, beneficial-ownership lookup, blockchain forensics (Chainalysis, TRM Labs, Elliptic), and adverse-media screening across English, Spanish, and Portuguese sources. The agent orchestrates the data gathering and assembles the SAR draft narrative for the BSA officer. The officer signs every SAR. We never let the agent file directly. The 31 CFR Chapter X record-keeping requirements are satisfied by the append-only audit log with model and prompt versioning. For exchanges under the New York DFS BitLicense (which most Miami exchanges also hold), the Part 200 requirements are also covered.
What does multilingual support look like for a LatAm-facing platform?: Three things matter and most off-the-shelf products handle two of them. First, output quality in Spanish and Portuguese has to be country-appropriate, not generic Latin American Spanish. The Spanish a Colombian customer expects differs from what a Mexican or Argentine customer expects. We evaluate per-country on a labeled set, not against a single Spanish benchmark. Second, regulatory language has to be exact: CONDUSEF in Mexico, Procon in Brazil, and the relevant ombuds-style frameworks have specific phrasing requirements for complaint responses. We treat those as templates the agent fills, not as free generation. Third, the human-in-the-loop reviewer pool has to be staffed for the languages and regulators in scope. We help scope that team and the reviewer queue UX, even when we are not staffing it.

Scope an agent for your Miami team.

Describe the workflow, the markets you serve, and the regulators involved. We'll reply within one business day with a rough scope and a price range. No commitment, no sales call required.

AI agent development in Miami.

Fixed-scope projects, quoted to fit. Discovery first, fixed quote after, four to eight weeks of build with weekly demos on Eastern time.

The shape of agent work in Miami.

What ties all of these together is the multilingual, multi-jurisdiction reality that most US-built agent products handle poorly. An agent built for Miami starts with that assumption baked in.

What we build for Miami clients.

Six components that show up in nearly every agent we ship for LatAm fintech, cruise, crypto, and logistics teams in South Florida.

Multilingual agent loop

Tool integrations for LatAm fintech

Maritime and port-call integrations

Human-in-the-loop gates per regulator

Audit log for multi-jurisdiction review

Evaluation harness per language and regulator

Why this work fits Miami.

Questions from Miami clients.

Can an agent handle cross-border-payment disputes that span US, Mexico, Brazil, and Colombia regulators?

Yes, with the right compliance scaffolding. A typical LatAm cross-border dispute touches the US-side correspondent bank, the receiving institution under CNBV (Mexico), Banco Central do Brasil, or Superintendencia Financiera (Colombia), plus the SWIFT/ISO 20022 message chain (pacs.002, pacs.004, camt.029). The agent owns the document and message assembly: it pulls the original pacs.008, the rejection or return message, the customer claim, and the available KYC packet, then drafts the response message and the customer-facing letter in the right language. Each jurisdiction has its own response window (the EU has SEPA SDD 8-week rules, Mexico has CONDUSEF 35-day windows). The agent tracks the windows and routes to a human dispute analyst before any irrevocable response goes out. Multilingual output in Spanish, Portuguese, and English is built in; we use the same eval set per language so quality is verified per market, not just for the English path.

How does an agent fit into Carnival-style cruise port-call coordination?

Cruise port-call ops at Carnival, Royal Caribbean, and Norwegian (all headquartered in or around Miami) is a synchronization problem: maritime regulations from the USCG and the relevant flag state, the local port authority schedule, customs and immigration for the destination country, fuel and provisioning vendors, crew rotation logistics, and the passenger excursion schedule all have to line up to the hour. An agent handles the coordination layer: it ingests the planned itinerary, queries port-call APIs (where they exist) or pulls from email and EDI feeds, identifies conflicts (a fuel delivery scheduled against a tide-restricted window), and drafts the resolution proposal for the port-call coordinator. The agent does not auto-confirm anything with the port authority. The coordinator signs every decision. The audit trail covers USCG inspections and IMO MARPOL requirements.

Can a crypto exchange in Miami use an agent for KYC and FinCEN reporting?

Yes, and we have scoped this work for the FinCEN-registered money-service-business segment that has clustered in Miami since 2021. Crypto KYC and AML at exchange scale involves OFAC sanctions screening, FinCEN CTR and SAR triggers at the $10,000 and suspicious-activity thresholds, beneficial-ownership lookup, blockchain forensics (Chainalysis, TRM Labs, Elliptic), and adverse-media screening across English, Spanish, and Portuguese sources. The agent orchestrates the data gathering and assembles the SAR draft narrative for the BSA officer. The officer signs every SAR. We never let the agent file directly. The 31 CFR Chapter X record-keeping requirements are satisfied by the append-only audit log with model and prompt versioning. For exchanges under the New York DFS BitLicense (which most Miami exchanges also hold), the Part 200 requirements are also covered.

What does multilingual support look like for a LatAm-facing platform?

Three things matter and most off-the-shelf products handle two of them. First, output quality in Spanish and Portuguese has to be country-appropriate, not generic Latin American Spanish. The Spanish a Colombian customer expects differs from what a Mexican or Argentine customer expects. We evaluate per-country on a labeled set, not against a single Spanish benchmark. Second, regulatory language has to be exact: CONDUSEF in Mexico, Procon in Brazil, and the relevant ombuds-style frameworks have specific phrasing requirements for complaint responses. We treat those as templates the agent fills, not as free generation. Third, the human-in-the-loop reviewer pool has to be staffed for the languages and regulators in scope. We help scope that team and the reviewer queue UX, even when we are not staffing it.

Scope an agent for your Miami team.

Describe the workflow, the markets you serve, and the regulators involved. We'll reply within one business day with a rough scope and a price range. No commitment, no sales call required.