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Decision Governance for financial institutions

Every decision, on the record.

From the front line to the boardroom — every consequential decision, on the record. Decision Governance™ captures owner, rationale, evidence, and outcome at the moment of the decision, not after the examiner asks. Ten governed workflows, onboarded in days.

01 / Speed

5min

Generate examiner reports.

Structured decision records — owner, rationale, evidence, outcome — exported on demand. No reconstruction sprint.

02 / Onboarding

3days

Onboard a new workflow.

Start with the workflow carrying the highest examiner exposure or the loudest internal pain.

03 / Coverage

10workflows

Nine operational, one apex.

Each workflow governs a class of consequential decisions. The apex — Strategic & Board — inherits evidence from the nine beneath it.

Governance Risk · Compliance · Strategy · Board
Operations Lending · BSA · Vendor · Digital · Treasury · Product · Model Risk

Section 01 — Where we sit

A discipline that most existing tools miss.

BI and analytic tools tell you what happened. GRC tells you what your policies are. Workflow tools route tasks. Data warehouses store the inputs. None of them produce a structured decision record. Read the full positioning →

BI / Dashboards

We sit above BI.

BI shows you what happened. We govern what is decided about it. The dashboard becomes evidence on the decision record, not the end of the workflow.

GRC

We sit beside GRC.

GRC documents your policies and controls. We capture the decisions made under those policies — with structured rationale, named owner, and recorded outcome. The two systems answer different questions.

Workflow / BPM

We sit inside the workflow.

Workflow tools route the task. We govern the decision the task represents. The route is the wrapper; the decision is the record.

Data warehouse

We sit above the warehouse.

The warehouse stores the inputs. We capture the decisions made using them. Evidence flows up from the warehouse into the decision record automatically.

Section 03 — The Product

Ten Decision Governance Workflows. Nine operational, one apex.

Each workflow governs a class of consequential decisions. Operational workflows produce the structured evidence the apex workflow inherits. Start with the one whose roles are loudest at your institution.

01 Regulatory Compliance Owned, time-bound resolution of every compliance exception, finding, and regulatory obligation. Chief Compliance Officer · Compliance Manager · Internal Audit 02 BSA & Fraud Governed disposition of every BSA alert, SAR decision, and fraud case with named owner and rationale. BSA Officer · Fraud Manager · Compliance Manager 03 Credit & Lending Auditable rationale on every credit decision, override, and exception across consumer, commercial, and indirect. Chief Credit Officer · Credit Analyst · VP Lending 04 Asset & Liability / Treasury Every ALM, liquidity, and investment decision tied to policy, limits, and outcome. Treasurer · ALCO Chair · CFO 05 Vendor & Third-Party Risk Every vendor onboarding, renewal, and exception decision with evidence, owner, and review cadence. Third-Party Risk Lead · Vendor Manager · Chief Risk Officer 06 Model Risk & AI Governance Every model decision — deploy, override, retire — governed against SR 11-7 and emerging AI expectations. Model Risk Officer · Validation Lead · AI Governance Lead 07 Member / Customer Risk & Opportunity Every CIP, complaint, member-risk, and opportunity signal owned and acted on. Chief Risk Officer · VP Member Risk · CRA Officer 08 Product Performance Every product launch, repricing, and sunset decision governed against thesis and measured outcome. Chief Product Officer · Product Manager · VP Strategy 09 Digital Transformation Every technology, channel, and platform decision tied to owner, business case, and post-implementation review. CIO · VP Digital Transformation · Program Manager 10 Strategic & Board Decisions Apex Every board-level decision — capital, M&A, strategic plan, risk appetite, succession — recorded with rationale, supporting evidence drawn from workflows 1–9, and outcome tracking through the next strategic cycle. CEO · CFO / CRO / CCO · Board & Committee Chairs

Section 04 — Three pillars, three buyers

Three pillars. One outcome. Three leaders who hear them differently.

Decision Governance is heard differently by the CRO chasing accountability, by the General Counsel preparing for the next exam, and by the CEO trying to learn faster than the next cycle. The platform serves all three because the artifact — the decision record — is the same.

Pillar 01 · For CROs

Ownership

For the CRO chasing accountability.

Every consequential decision has a named owner on the record at the time of the decision. Aging, escalation, and override patterns are visible at portfolio level. The question “who owns this?” has an answer before someone has to go find one.

Pillar 02 · For General Counsel

Defensibility

For the General Counsel preparing for the next exam.

Rationale and supporting evidence captured as the decision is made. Examiner-grade reconstruction does not require a six-week sprint pulling files out of email. The record is the file the next examiner reads.

Pillar 03 · For CEOs

Learning

For the CEO trying to learn faster than the next cycle.

Outcomes track back to the decisions that produced them. Override quality, cycle time, and apex linkage are measurable, not assumed. The institution learns from its own record instead of relitigating it.

Section 05 — The Decision Anatomy

The same five steps, across every workflow.

The load-bearing detail of the whole platform. Every workflow's records are structured data — exportable on demand for examiner review, audit reconstruction, or board reporting.

01

Signal

02

Owner

03

Decision

04

Action

05

Outcome

See the full architecture →

Section 06 — The Decision Governance Index

Where do you stand?

The Decision Governance Index (DGI) measures how well institutions govern their consequential decisions across five dimensions: ownership clarity, evidence completeness, decision cycle time, override quality, and apex linkage. Take the six-minute self-assessment and see your benchmarked report.

Section 07 — How to Start

Productized pricing. No negotiation.

Five tiers from $0 to $2,999/mo. Same product underneath; what changes is how many workflows you have access to and how many seats are included. Implementation Services priced separately at $250/hr in 10-hour blocks — available to any paid tier.