Teammates, not tools

A company gives an AI agent the power to move money and rewrite customer records — on a shared service account, with permissions nobody scoped, and no owner named anywhere. This panel treats agents as what they've become — teammates who need onboarding, not software that needs installing — and gets concrete on per-agent credentials and least-privilege scope versus shared service accounts, approval thresholds, evidence trails that survive a regulator's question, and how much authority a digital teammate gets on day one and what it must prove to earn more.