For model risk, credit risk and audit at banks

Which of your agents can you stand behind?

Within four weeks, an independent decision on each of your agents in production: verify, fix, constrain or retire. An answer you can give an examiner, with the evidence behind it. Method built testing AI agents in audit with Big Four firms.

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Why this, why now

Banks are putting agents on their most document-heavy decisions: credit memos, loan files, KYC reviews. FINMA Guidance 08/2024 and the EU AI Act expect testing, monitoring and independent review of material AI, and the supervisor holds the bank accountable for what the agents conclude. Model-risk rules were not written for agents, so the systems you answer for may be the ones you have never reviewed. Bought agents arrive with the vendor's test results, produced in the vendor's setup rather than yours.

The first problem teams hit is variability: the same file, run twice, gets a different answer. The numbers hold; the judgment calls do not. Reviewer feedback is collected; what reviewers miss is not measured. Before an agent can be verified, someone has to know whether it can be.

What you receive

Decision for each system: verify, fix, constrain or retire

Weighed by what it decides, how often it changes and what it would cost to evidence. Proof of value, or a clear case to stop.

Evaluability scorecard

Built on your inventory and risk tiers, adding what they lack: trace quality, run-to-run consistency, known-right answers, release cadence and independence of sign-off.

Consistency check

On one document-heavy workflow, such as credit memos, we rerun the agent on the same files and show where its answers move. In your units: loans and cases, not model runs.

Gap register

What each system must capture to be tested and monitored, including the context a human reviewer used to supply, written so engineering can act on it.

Know-your-agent summary

The one page you can put in front of an examiner: what is in production, what can be evidenced today, and what cannot.

How the four weeks work

1. Inventory

Kickoff, system list and owners, architecture walk-throughs.

From you: your AI and agent system list, with an owner for each.

2. Evidence

Trace reviews on-site, release and sign-off mapping, owner interviews.

From you: 30–45 minutes with each owner; access to sample traces and release records.

3. Score

Scorecard per system, consistency check on one workflow, midpoint readout.

From you: 10–20 past files from one workflow, with their final decisions.

4. Rank and decide

System decisions, gap register, summary, final readout.

From you: a decision-maker who can act on the findings.

Throughout: one point of contact on each side, and a sponsor in model risk, credit risk or audit.

First findings at week 2. A decision per system at week 4.

Yours on day 30

Expertise, not another platform. Your team keeps the criteria and scores new systems without us. The verify list is ready-made scope for independent release verification.

Testing agent performance (follow-on), production data extraction, platform integration. Reins AI retains its methods and Simthetic technology.

Already have one agent you want tested? See One Agent, One Workflow →

Which agent are you least sure about? Tell us, and we'll show you how we'd test it.

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