Banks & Credit Unions
Accountable to examiners and the board for every lending, BSA, and balance-sheet decision.
Who acts
CRO · General Counsel · CEO & Board
Powered by Decision Governance™
Every consequential decision, on the record.
From a lending call to a benefits determination — owner, rationale, evidence, and outcome, captured the moment the decision is made. The same discipline, wherever the stakes are high.
Decision Governance™ Watch
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.
Free. Only when there's activity — quiet weeks, no email.
“Who decided this, and why?” The record should already exist.
The examiner, the auditor, the inspector general — whoever asks, the answer is captured at the moment of the decision, not assembled six weeks after the request.
Who we serve.
Two kinds of institution, one mandate — stand behind every consequential decision when someone with authority asks.
Federal Government
Accountable to the OIG, GAO, and improper-payment mandates for every fraud and eligibility determination.
Who acts
Program integrity · Agency leadership · Certifying officers
Powered by Decision Pipelines™
How we serve.
One discipline. Two platforms, plus AI Decisions.
Banks & credit unions
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Banks & credit unions · add-on
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Government agencies
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Decision Governance™
Exam prep stops being a six-week fire drill. Ten governed workflows, lending to boardroom.
Approve $2.4M CRE renewal
Examiner-readyAI Decisions™
The inventory of every AI the institution pays for — who approved it, what they promised, whether it delivered.
Approve ChatGPT Enterprise renewal
GovernedDecision Pipelines™
Every fraud determination defensible under oversight. Full evidence trail, named owner, at each stage.
Deny claim #48217 — identity
Audit-readyThe shared engine
Every workflow runs on the Decision Semantics™ Engine.
One contract beneath both products: the metrics, alerts, segments, decision types, lifecycle, personas, and documentation that every workflow conforms to. Change the domain — not the machinery.
- Metrics
- Alerts
- Segments
- Decision types
- States & flow
- Personas
- Documentation
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
fund_diversion
Alert
Critical
Fund diversion
Funds passed downstream exceed the federal award amount.
critical
holds the chain
do_not_pay_match
Alert
Critical
Do Not Pay match
A disbursement matched a Treasury Do Not Pay record.
critical
holds the payment
Watched by · Agency head · OIG · Caseworker
One engine. A separate catalog for every domain.
The same method, never the same data.
See how your financial institution measures up. Score your maturity on the Decision Governance Index.
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