The Accountability Gap™: two seats, one handoff, any regulated sector
The framework that names who owns a decision when AI shapes it. Built in clinical AI, now operating in financial AI, and structurally the same in either room.
The accountability architecture for automated decision and monitoring systems in financial institutions, naming the Governance Owner and Decision Owner across triage, escalation, and review workflows.
The framework that names who owns a decision when AI shapes it. Built in clinical AI, now operating in financial AI, and structurally the same in either room.
Community Federal Savings Bank auto closed a very high percentage of its alert volume. The OCC named the bank, not the vendor. The gap was not in the model. It was in the seam between the system and the person who was supposed to review what it closed.
The nine blocks and the Gap Score™ methodology, generalized from their first application in clinical AI to operate in any room where an AI system produces an output and a named person has to answer for the decision.