Free
$0
One workflow on your data, one user. No card. Watermarked exports.
Decision governance for banks and credit unions
The decision took twenty minutes. Reconstructing it takes six weeks.
Who decided, on what basis, with what authority — captured when the call is made. Across lending, treasury, BSA, vendor, product, digital, model risk, member risk, and compliance, feeding one board layer above them.
See how your institution documents decisions.
Somebody always asks why.
BI reports what happened; GRC documents the policy. Neither captures the decision — that’s the gap we close.
The examiner asks
and you have thirty days
For risk and legal leaders
The board asks
and the packet is due Thursday
For the CEO
Your own team asks
six months later, mid-repricing, and the person who decided has left
For lending, operations, and finance
The board asks about AI
what we’re running, who approved it, and what happened when someone overrode it
See how AI is governed
Same gap behind all four: the decision was made well and recorded nowhere.
Decision record · Credit & Lending
Approve $2.4M CRE renewal
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Signal
Renewal review opened; the original was priced below the pricing matrix.
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Owner
M. Alvarez, Chief Credit Officer — named at the time of the call.
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Decision · rationale
Approve $2.4M at 7.15%, covenant DSCR ≥ 1.25×. Basis: full relationship profitability and guarantor strength.
Model attributionZest AI underwriting model (v3.2) recommended Decline (score 82). Owner overrode → Approve; the basis is recorded on the decision, not lost in a chat log.
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Action · evidence
Appraisal, rent roll, and DSCR worksheet attached from systems already in production.
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Outcome
Booked; Q2 covenant test passed (DSCR 1.29×). Feeds the Board & Strategic layer.
Nine workflows, one board layer — the same five-stage record in each. See them all → · How AI is governed →
Every enforcement action, scored.
We track and score every enforcement action and guidance release from the Fed, FDIC, NCUA, FinCEN, and OCC for decision governance quality — whether the record shows who decided, on what basis, with what authority.
Most close without ever naming a root cause — because the record of why was never there. The same gap exists in the decisions no regulator ever sees.
Three tiers. Published prices. No sales call.
Three tiers. One decision record — every tier runs the same record and the same five stages; what scales is how many workflows you govern and how many people are in them.
Team
$399/mo
Three workflows, cross-workflow dashboards, ten seats. The shape most institutions land on.
Business
$1,499/mo
All nine operational workflows plus the Board & Strategic layer. Unlimited seats, custom workflows, SSO add-on.
Implementation Services are optional — $250/hr in 10-hour blocks, available to any paid tier.