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AI-Powered Finance.
Explainable Decisions.

Trading, lending, and fraud detection with full audit trails. When regulators ask why, you have the complete answer.

The Problem

What keeps financial services leaders up at night

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Model Explainability

Regulators demand you explain AI decisions. "The model said so" is not acceptable for credit denials or trading decisions.

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Bias & Fair Lending

AI can encode bias invisibly. ECOA, Fair Housing, and state regulations require demonstrable fairness testing.

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Audit Requirements

SOX, OCC, CFPB all want complete decision trails. Most AI systems cannot reconstruct why they made specific recommendations.

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Speed vs. Safety

Markets move fast. But one bad AI trade or fraud miss can cost millions. How do you get both speed and oversight?

The Complete Process

How a financial institution works with our governance platform

1

Onboard

What Happens

  • Deploy in YOUR financial cloud (private cloud, on-prem)
  • Configure risk thresholds by product line
  • Define approval matrices (auto vs. human review)
  • Integrate with existing trading/lending platforms

Regulatory Architecture

  • Customer PII stays in your environment
  • Trading data never transmitted externally
  • Audit logging meets 7-year retention
  • Model governance framework included
Typical: 3-4 weeks
2

Analyze

What Happens

  • Multiple AI models independently assess risk
  • Cross-reference against regulatory requirements
  • Generate explainable risk scores
  • Flag fair lending concerns automatically

Financial Lanes

  • Claude: Regulatory compliance
  • Gemini: Pattern analysis
  • Deep: Quantitative modeling
  • Catfish: Adverse scenarios
Milliseconds for real-time decisions
3

Score

What Happens

  • Calculate Cost Certainty Index (CCI)
  • Generate explainable credit/risk decisions
  • Document reasoning chain for each factor
  • Identify protected class impact

Explainability

  • Every factor weighted and documented
  • Adverse action reasons auto-generated
  • Model contribution breakdown
  • Examiner-ready documentation
Real-time with full documentation
4

Decide

What Happens

  • Low risk: Auto-approve within policy
  • High risk: Human escalation required
  • Risk committee review for exceptions
  • All decisions logged immutably

Human Authority

  • Humans approve high-value decisions
  • AI handles routine within parameters
  • Override capability always available
  • Escalation rules configurable
Configurable by risk tier
5

Report

What You Get

  • Complete audit trail for every decision
  • Fair lending impact analysis
  • Model performance monitoring
  • Regulatory examination packages

Compliance Value

  • SOX-ready audit documentation
  • OCC model risk aligned
  • CFPB explainability met
  • Board reporting dashboards
Real-time + scheduled packages

Deployment Model

Your infrastructure. Your customer data. Our governance.

Your Environment

✓
Your Private Cloud

On-prem or financial-grade cloud

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Your Trading Systems

Direct integration, your contracts

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All Customer Data

PII, transactions, positions

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Complete Audit Trail

7-year retention capability

License

NameONE Provides

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Governance Software

AI³ financial governance

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Explainability Engine

Decision documentation

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Compliance Templates

SOX, OCC, CFPB ready

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We Never See

Customer data, trades, positions

License expires → Software stops.
Your customer data and audit trails remain yours.

Compliance Ready

View full compliance substantiation →

Built for regulated financial environments

SOX

Complete audit trails. Internal controls documentation. Executive certification support.

OCC SR 11-7

Model risk management aligned. Validation framework. Performance monitoring.

CFPB

Adverse action explainability. Fair lending analysis. Consumer protection ready.

FINRA

Supervision compliance. Communications monitoring. Trade surveillance integration.

See It In Action

Schedule a finance-focused demo with your compliance team.

Request a Demo ← All Solutions