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.

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Free tier. No card. Onboard a workflow in three days.

Anatomy of a decision

Signal

What prompted the decision

Owner

Who is accountable, named

Decision · rationale

The call, and why it was made

Action · evidence

What was done, with proof

Outcome

The result, tracked back

Five stages. One record. Exportable on demand.

BI tells you what happened.

Dashboards report the outcome. They don’t capture the call.

GRC tells you your policy.

Controls document the rules. Not the decisions made under them.

Nobody captures the decision.

That’s the gap we close — the structured record itself.

Somebody always asks why.

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.

One record format. Every decision that matters.

Nine operational workflows feed one board layer above them — the same five-stage record in each.

Board & Strategic layer Strategic & board decisions Board decisions inherit the operational evidence beneath them — capital, M&A, risk appetite, succession.

Regulatory compliance Owned, time-bound resolution of every compliance exception, finding, and regulatory obligation. BSA & fraud Governed disposition of every BSA alert, SAR decision, and fraud case with named owner and rationale. Credit & lending Auditable rationale on every credit decision, override, and exception across consumer, commercial, and indirect. Asset & liability / treasury Every ALM, liquidity, and investment decision tied to policy, limits, and outcome. Vendor & third-party risk Every vendor onboarding, renewal, and exception decision with evidence, owner, and review cadence. Model risk management Every model decision — deploy, override, retire — on the record and benchmarked to SR 26-2, the interagency standard examiners use for sound model-risk practice. Member / customer risk & opportunity Every CIP, complaint, member-risk, and opportunity signal owned and acted on. Product performance Every product launch, repricing, and sunset decision governed against thesis and measured outcome. Digital transformation Every technology, channel, and platform decision tied to owner, business case, and post-implementation review.

AI runs through all ten. Sometimes it’s the subject — adopting an AI tool, switching on a vendor’s scoring feature. Sometimes it’s the instrument — a recommendation a person followed or overrode. Either way the decision is filed where the work lives, and the record shows it.

See how AI decisions are governed

federal enforcement actions tracked and scored since September 2025

See the tracker

Decision Governance™ Watch

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.

Free. Only when there's activity — quiet weeks, no email.

How it works.

One record per decision, captured when the call is made. Searchable the moment someone asks.

Decision record · Credit & Lending

Approve $2.4M CRE renewal

Approved with covenant

Signal

Renewal review opened; the original was priced below the pricing matrix.
Owner

M. Alvarez, Chief Credit Officer — named at the time of the call.
Decision · rationale

Approve $2.4M at 7.15%, covenant DSCR ≥ 1.25×. Basis: full relationship profitability and guarantor strength.

Model attribution
Zest 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.
Action · evidence

Appraisal, rent roll, and DSCR worksheet attached from systems already in production.
Outcome

Booked; Q2 covenant test passed (DSCR 1.29×). Feeds the Board & Strategic layer.

Same five stages in every workflow. AI isn’t a separate product — it’s a property of the record. Illustrative; Riverdale Community Credit Union is fictional.

Explore the platform

The shared layer

Every workflow runs on a rules and semantic layer.

Use it out of the box, or configure it to fit your institution — the metrics, thresholds, alerts, and decision types every workflow conforms to.

In Decision Governance · Banks & credit unions

net_worth_ratio Capital ↑ higher Regulatory compliance

Net Worth Ratio

Net worth as a percentage of total assets.

Crit low 6.00% Warn low 7.00% Target 10.00% Stretch 12.00%

delinquency_rate Asset_quality ↓ lower Credit & lending

Delinquency Rate

60+ day delinquent loans as a percentage of total loans.

Target 0.50% Warn high 0.75% Crit high 1.00%

Watched by · CRO · Compliance · Board

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.

Free

One workflow on your data, one user. No card. Watermarked exports.