Straight-through processing (STP) on extracted key-value fields from financial documents without human review requires a calibrated probability together with a bounded guarantee on the residual error of the auto-approved tier. The emergence of modern Vision Language Models (VLMs) provides an out-of-the-box capability for extracting the key-values, but their verbalized confidence signals are unreliable and weakly track field correctness. This paper introduces a decomposed confidence layer along three interpretable channels, including perception, layout, and validation. Together with a final conformal risk control, the score can be used for reliable STP of financial documents. The method is validated on three public datasets covering real invoices, synthetic invoices, and ad-buy forms, using two different VLM families (Qwen3.6-27B and Gemini-3.1-Flash-Lite). Our decomposed score consistently improves the separation of correct from incorrect extractions, substantially raising the AUROC from 0.54–0.74 for VLM verbalized signals to 0.90-0.99 with contributions from all three designed channels. Crucially for industrial deployment, this enables usable STP. The native VLM confidence signals could clear only 0.1%-7.0% of fields under risk control at a target error of ≤ 10%. In contrast, the proposed method auto-approves 49-72% of fields while holding the empirical error of the accepted tier at or below the target.

Structured information extraction from long, multilingual scanned financial documents is a core requirement in industrial KYC and compliance workflows. These documents are typically non-machine-readable, noisy, and visually heterogeneous. They usually span dozens of pages while containing only sparse task-relevant information. Although recent vision–language models (VLMs) achieve strong benchmark performance, directly applying them end-to-end to full financial reports often leads to unreliable extraction under real-world conditions.We present a multistage extraction framework that integrates image preprocessing, multilingual OCR, hybrid page-level retrieval, and compact VLM-based structured extraction. The design separates page localization from multimodal reasoning, enabling more accurate extraction from complex multi-page documents.We evaluated the framework on 120 production KYC documents comprising about 3000 multilingual scanned pages. Across multiple OCR–VLM combinations, the proposed pipeline consistently outperforms direct PDF-to-VLM baselines, improving field-level accuracy by up to 31.9 percentage points. The best configuration, PaddleOCR with MiniCPM-o-2.6, achieves 87.27% accuracy. Ablation studies show that page-level retrieval is the dominant factor in performance improvements, particularly for complex financial statements and non-English documents.