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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n1f2q50g.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n1f2q50g.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n1f2q50g.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n1f2q50g.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n1f2q50g.nxe :where(ul,ol){padding-left:20px}#nxe-n1f2q50g.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n1f2q50g.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n1f2q50g.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n1f2q50g.nxe svg{display:none}#nxe-n1f2q50g.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n1f2q50g.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n1f2q50g.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"dossier\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P07 \u00b7 TOPIC \u00b7 model-risk-governance<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">AI and Financial Model Risk<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 AI and Financial Model Risk<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Model risk governance<\/h1><p class=\"nx-tagline\">Model risk is the potential for loss or harm from decisions based on models that are wrong or misused. Banks, insurers and asset managers manage it through model inventories, risk tiering, independent validation, approval and ongoing monitoring, overseen by boards and senior management. Machine learning and generative AI widen what counts as a model. This page sets out how model risk governance works and fails, the records involved, and who decides.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">A-P07 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">6<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">5<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 In development \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>From a satellite tile to an exposure\u2026<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Model risk lifecycle, in outline<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Model risk governance: how the risk\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"project\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Model risk governance is the set of policies, roles and controls through which financial firms identify, validate, approve, monitor and retire models, and boards oversee model risk. Machine learning and generative AI widen its scope. Boards, model risk functions, supervisors and internal audit hold the decisions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">From a satellite tile to an exposure update.<\/h2><p class=\"nx-lede\">How satellite radar turns a flood into an exposure update. Synthetic scene; no real event or place.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"geoai-eo\" data-gl=\"sf:geoai-eo\" data-sf=\"geoai-eo\" data-sx-credit=\"synthetic scene and schematic model\" data-sx-src=\"Synthetic scene ~ illustrative, not data\" data-sf-learn-views=\"pipeline pr\" aria-label=\"Interactive figure: the four steps of a flood mapping workflow on a synthetic radar scene, from the tile to the detected flood and an update of affected buildings. The panel steps through or plays the sequence.\" data-nx-z=\"7T1rj+M2kn+FEHDYDWC7+RY1YxvIJpvNApPdIJPN4j7KFt0WWpZ0kuzuHuR\/3ff7ZYeiKFsPypZ7ZnMHbNDwjJsiWawHq4olVvUyik9om4RlufLSl\/nuab7XYeStl872OH301ss96z6p4irR3vovOvv6r+\/QrsgOKERlWOkkiSuNqjjRqMpQmCL9kmflsdDomEdhpZcPe7Ze5t3ZyuPGW3+XJUn2jEK0S7Ismh\/CPI\/TR\/ScFU87eJClAOI1rfa6ireoCKOwQOVWp3qGDtlJo2qvUaS3cRlnKar2hS73WRKhMI3Qc1ht9ygv7NMZKvQ2TBLzDIZtjnECmKJtdkwrVOgyz9JosXzI18tj0l3sdh\/npbdeJvGw3VsvN+uPsKblw2b9sVnsDFGBDsuHJL4y7Ics0okZtt3rQ1jF2xsDvtFJUsKAn3SZJccK0Ca4HvRwTNbLhyg+ObgabqEroFDmYdrjhH5E6cu83M0PWaQ9VGSJXnmPRXbMPRQWcThPwo1OVt4vsX72UBRWYdN5fozRPo4ina6Xm2NVARNec73y6l+6nVdeosMitXPmhS5LHa28qjhqb\/0BHi0f6nGTJtMvuS6q\/my7MCm1t\/6zeXiZ7wHQHpm2Q4xN1QCqqbbyDjo9Wij7sMyz\/JjbRdeN+iUP0+gC+0yQ8vSITrF+\/lP2svIwwohyRHkzlenUTLTLtscy3ADdLQLLPKz2KFp5PxCK+IkQ7+HSdvARwUjAz1y0H\/wgEMV7wqHtoTw9Ah2yNh36gl0j1+ALvzVLarAAyRrnRkMkbeDMc1Acfz2Ej3pZHsIkWf\/4t7+gbGf22yHMUVag7T6EBdWPWwyqxf4OWNvy5K2\/DavQgvrm4y8NqF38eCz0H0p0CpOjLr8EtPL06K1\/0dsqKyy8j7+0UIvTq4i1tmb9b58PT3lcWsDpyuMOVfOUx87d+5TH88Rb\/9jouUbUByrAdIxTfcEPhHPlPeXxu3x06pPt\/rTynprvVSO3a7xQogFYI+aepUXU7FgZmCkALfdhoYGKka70ttIRyuMXnZSoKo7Ja20VdHSG4FKNN+jyk1H6byJK8WaiBG8nStEiikW\/oUlDo88hx3cE\/c9\/ozitdFFqYxNQdtIFOqZvFZ0deTuZMCwGLxTtkustiP3JWvMSxan1CqxE6ZdKp9WbcNu8ETWiGnDu0Udvne2QpG+Wko23LiuwF2iXFRe\/p0TPcbWPU4QXBL9Hhd7pQqdbjS4LuqijLiXK3by2zutlWMaR7j56PMaR7joDf4GmCBW1u1hrwri0qtfrunvNDPMnS9DG3LeINOJWfKx0jpabLg3MSudh5a0J+EIAnJ8RzNfLLOkCLyvduG8NGGhaefjiVJS6WnllFT7qFbaYbo9FoVPTrEFD7vlw2nk1lJHmUWrWZ5b1tfVdwUlePuz5gD5mQO6tf6pdXK1LYGt2fNyjbZIdowX6e65TcGp1AYxN9LYqURJXVaKRTnXx+Go82yTLnkoUhcXT+7OHWzYDUIiSrDr3Q5siftxXtcvbbLougYiTQORtxKBnYgCTE1Rus0KXSIfgp4OOu0qZr1GpHw86rUKjtuopHuNTZwYUorzINuEmTuLqFQRjo82JAui2QD+DiGapRnGJysblnqEUiIKqIoxTHaFUV3AAuUYW6iQLfV\/ti5XAb6MOs9T5Zp9lpYb1NNv6Kll+rI1DuGmOQ5dTUH2wCcvGkCzQ1yjJnnVLY6BdnEYlOmSFrnuhzbFCh\/BJN43gjqIwCYtD+Q5ts0MOxsmBRqWLQ6MIdXFYeeeTl7fOe86JkcApc9RHNm9dtK34NcYwJ2PY2zjS6JR\/mFOsIe75ZFvobVZc50zbJBmV2jFLNbWBmIZNYOZ1gbY6SWbnI2oPGkhtfaKOgKtw0C6r+BBWukWSh8yl22v1m4anO89vI2ejclc7x3mhT976T+H26cbR7cY8qX6pbFNexIeweG1M6d\/0S\/sYV59udRXGSTmUHXO+PR5g\/Ppn+B2ZqMDZLC0fmqfLCKhUjchry5mOqvUyitZ\/rx1964mBMDYs1NHMPKq9tmofQighTJJX4O1i+RBFfUCNUDeuqRNEbyI3LG21oNnEFtZDZI4aNYnWywdjzR0SscmiVxv\/6To+eZxr4xD17ChECnp2NMpS3TDq+lHqshlt28kYX+fZfbmxVrA2lhvrMnw9CATB83coa9vF6likLrMY5rkOC5dhhBGorIosfUzafS\/G0foVvbPjl6AAGafAPw1CLVvWIcTQEA5s6R\/KviWsafTHW3bvqxsob4\/F2zGm7ujPcrP+tu+vN+heMXC7rDjUB36jTOuRF\/aiXZZVeRGn1VkFx5XZTYeweNLRKKJvQIyNs\/LP\/WjomZG7XY3yRR779uB7BoFJG+mbE2wMxJvsgwtTYytGIoaPRRxZ9JLw1bjdEOaYAxldceOyCrfGvbfHys7DPEx14hplHrRi0T07fe5hY88\/g\/KrQ619w3vuagLLHx2qAoWVicm+R6DHzu41ELIJONdmtBWnGSz4EOaWKgVsv5VH5Jxgz91zvslexh5Z+anCTZxG+sWowzryGuZ5Em\/N5rZCBe2RLrdFnEPryjMHeIjpnppgV\/dw9tfB83f1PsmOhcG+BIVgw+7orrC7ifubbWjj\/S6vBrRoamXRQBpIOvjiGhmO2QU1\/MgKlCfha1lbOv1fRzjBLrw6ntoio0HLBq538aPXjbX6UiGusAcvAEpdnPTXZa631U81015+iKP\/\/CGO0EHrampEtoATlGH9YeUlYRp56DmOqv3K86Xy0F6DvVh5APUckrW9d3GSWLHZrrwtnKogsos54smcww8yP58OkiNsWhTC5mOfIIUwfD4dGKGIyHOf1vNPhzmhCjFqh6rz1Bgp+L\/fWUFAugufKwDUjO0vojdeUCT5yEqoMuvtLqKGAXjjLliYStULnHdnPI\/iarBYwFZ1FgsPe79P\/bmsdeR7e76GMGNtdvXm08bEYtMmJGph2fzeYVZPAgaf\/vP+3C54I22fDnOOFSLSzTjOcUs6O\/wmEqkucyjvt3RGj8i3lR7JEaMjkiW5FZUzwpZc9ruTWX1232y7CONVAWj17zB4jNCudtePQ1A+HZS6Qv7ejprLmpFtQo1K0IgEu3ZUW7IHxGlJ\/NjuaDPLKb3jO3HALNdu64xp70AHo1yfsd1y7fuNz6fDXPG5oPPWvv50oKA98YA\/PWHufFxtX+AzRXtd\/d42Mb1297i+THRWcnWOtinrm7RJ2tHwgyo1akMV7uutuaBNm3OHjK8AOI8dhm1sgzg1Uk9gx5AdOAp0aGUp2NCOKLXWMoqgC9HzJmkxwbHKTwfBecuh6JiTObChT2sm6MDOU3BpzqBgMf3d0N8ZTR\/XxzWeD2SwO0fre99A9J2tL\/px7YQpO\/PW5xYrr2k8hzkb81eAx3jOeVfzzRVHgt7y9vpbbiDfc4qH4kMCiviIvFF+3vUtf4fIMVUwcOOT8EnXrjsDP5vI5JYc\/gbaexTGqFWZ4C9+ph95E85V\/7Wrlq6qpjF3bOCefSG38JbPf816TtnT\/0q9MeqhTfDabtH9hq6Zrpdu8OmWJzdVNm\/J3xSv+aZXPd1DPKubTowhyqpL0CBOnzz0svKoYh56XXmMqnP8gQSX8AOhHkR00xKCoyuvyKqw0n+cE0QDihjjX00Dw+CmGoDh5AKGXMAETigcMYYR43IiFOoTC4U6oYwhIxH1JWJcTYUTWKJx\/wKH3oJDFKJBgJhgk8EIyxt+BtNijXIBwTUMOhkVJWsYrEUy3EJFOElGEQ0wYiyYzBlsKYbPYNQN9lNEfYEYF1NlDPuWXOyCimihQpyoBIgRCA9MRkXRAVeI3wLDXWACSzAyFQprNkwLSotiwCOHiElEOUOMT0ZGOMDwW+yXiEqCmJiMDLEkE63dL28KGUGUApjJyIDiurYt2QhnqEBM8K\/u1JiCuXcMGxEzOJ4wie+lGRlRzNIFRiBKKWJ0qsYUvNaYxCdu\/ks3ZwgS4P36U1nDg8DC8d0SwEYkQGAfEcUno+NbMOICht1SAQoJwRFRU8VZAEsASkDvIBpFgsJ96qkCILBlTYDv0cyEI4ElIsFUCyBkLc9E+U44Tt1MkJAKkeBukqlgOhCGBGWIBJO5b7cMCZjb\/Dt15lwhQfw7CMatASBgOl2y7BQywhEPMCIBncx\/K8tKuM0ZG92ahN8Dp9kzirv3jJNqvt0zUxWAZI0JCNy84SMeoGQ+YnKqPpMUD\/1M\/xYyFEka3OFnikANDc3NrekjidkdhkYE1ptl\/h3KbE4YEoFCjNPJNLMGjYm7FA1QDeBMdWclsXAkdfJGjexOCRZN+pMFzXqBjNyjBIiPJHhObLKkcSsDkji54z7R+EgKgZic6tNKYeWZBndsTiCa8O84nsnGp5HMddIYOc8QJI1LM1kHWIvWQUbdspsAhoDrPFkCCB4caYLbPoCEUwCbbDUDOtg06ube5EgEcNAkk9nPhyqA3LYBAkkR3LE1LwpN3nF0ghdO4DlPVjTMnmfliEITo9hwgpg\/VZobn7bt0KgpRBNgn6fSjGA1dGnZLXVGESHiDl\/TFxaXkTOtHFEzit3jnQVDv0nd4gvhSKo7\/NnA4WbymzoGI4Lv4YoUQ1T4zWOzQD67wwMkpDk1STfB3NsFI0KCO3gfcEsx7PQznQJGGCKYIqKmEqxxZn16h7nECN54+lM1Mm+YIpwKGY8cmAW+Q7xkTSyK3fqYj\/AdRJhMVWCENkCIk+8jYSzCGKJYTgaiLBDsFi43KogwH1E8lSVBc1RSzlCJW3lJFMCOp3fC8N1OxahbGcCRfyrflbDUktM3yZwoFDBEyeSzeO1TUsLuopYEGPJO4eqc9ydE4mv5IsFUOH4TVuBuizLm6\/nBHbtRYUuwwEkw34kKQ0oiSmvNZfLN7bXZfHjfNTv1EhltY53hx0wO37th1mY+MmVZNDde45NeeXkGNSgcEIr6ajHM47yGm+hHnUKPfkb2+QFclHakZurXzoXO9TJ2XCNdLx\/iy812uBbrTmm+DYFPgTBDUfF679Spfrw293dN4skhhovt985uXplfmf6n+KSLGdIv2+T4BrrA4m0q0T40d\/XNjetxbJqMACgHEqHnvU7RLgkfH3ugBwn7w\/vu2wIumk9Id4LbzL2iAt2mXVZ08wkOJWxxPJIg07np\/SPM9MVqTfiIL8SJiITQub8Qny77+ssB2DMAIb\/3P\/1A2EIg\/j3xT0Tu56wD8JypMKR8Eke6aG7LN791LtKfMzXMwy5xz4mtbTL+s7n6blJ960emeMQhTi+ZSnVL+HJJ9zAtafZ8yWwxLZV+qVZeL6VleIX9aV4VkDUxkYqQlXXW4kUYJx56IWZ1LxS8MvwfHnoltTl9peb\/h\/YoELU4SRoIrbFSLqTvHL2Ni21yGV\/tj4dNM8H25TJy+1qPLMBW9KzBcA+fwqSnqw2H5kA3b5gKNJZLX8Xbp9Jz7nUz5GeTQHYZ3dTbabXUsDpN\/7BpOlYddCoT2OyWf3GayyBj6HqyiykKZFL\/G13Wziiq6gzIVjbxrRwXU1nguThnupxTAyH5CPL\/6tIDwzGX\/lUtufWAzk5rLXaYFQJzA5XWy6qAr5DWBnp1m53TJ7Jk5UFmkpmzzArIHs3S28lopmcc1dSatbKqTP2kc1pUtb8Ct5kvPR46JYDuXUbaSg6eCttdi6IsII80CU2mTxl\/uogtTPYAVHxoKAoZn0DY82Ke9GvNoncUwkiOVKQie25Q1Inh1UUbVdFahb7gmkgtpL\/b7ZYPFcCJBkSq9e7JFLbh3V6b8JJNONCO8SYsenk9EFyQ0xSmO\/XHcqnjEVstXGP+av49h9VbcXVQb+D3Dzxqs8ymHki8ubgne+GcVcqF757Wqk2gkGGek1vEHMDfzC1Go90kbjFTlODfiFvcOavAn8Erhuln7awg8H\/n1W\/EK\/I5rOIioNO2FTWVUP6NWMWcszK2YJ\/BLIo\/j1m+\/zuzfjNmQTj0c5g10b0gpuDSvxGzqHvWz3Mv6GeaLBL8zq3fkFvm3dXbucXp79z6l3DrwR64HsxZeBhBGIsr\/hZ1NL4dlEy+FWMY1KOxBVme9\/F2D1XXTPU1U7qkbJUcux1saOKonWjLl4j5VfuiE\/ET3TjEzw3mg2gfHYb7FB7E+wQeBvzwwhR\/+\/8a5RN4MTL6VpSvGfm5Ub5qX9gYH5Dq7YE9vKCd0YPpoDIt\/r8M4X2Tpbuj2WKHsCril1v7q6ly9BjGaVnVtU+g4MofylYZz0NYPs1QAa9MWm9Mbu0wU5h4EMo7uAQVqhx3lTaDq8n48s6Z4fbFWXhQb8n48DhZj7uqrzSvM2oybF5bWDc0qd8Nxu1wmkHNIgNydTELsbUKRNhLP\/DyWr9U8zDd7uF9yyGOoloVNlV14fHYNFTI69P8LataBXodUxUGQ3sRqX7PDhcSO5OZF47fNZqznuTxPMMe7P3FWO3nr2Sek75BbHXarryS2fsv9vVuKy+pxUfI8QE7RmFPd1ZttnCLjIMlN\/hLXzYrfni8uWp8fdXW9lJ7YevNq264Nrpq1ln0LX7Be\/4hv76FV663eYVv8spi3fBKys\/k1WC5DdaEiKm8wjd5VYoOr962avNLnD6tvAT6d5g3igafcdVBpG2NfiM1f64UaV7uN2VKr6v6P0ONvksRu7gE9ymL06quVqnR9lic9Pu6sFZWobhsWqEaMZSvfaPOz4tpOp9TjCi9+Lyctjxp86Cl8zva+0INq7Obv7lR9ir3wR\/vKN9qMHraPy8uTS8liFA6wws6IzNOZxzsVfP0tfOUKDqDu1nnsbtLYV9T5a+IddlC6tc4ffo1+ZX+iheSSo45DzhTFFMq3uFFoKRPhZTMJ1IRTt7jhY8FFpL4ge8LqnAAvXwpBZOB5IHCgnPoxe0s3CcBwQR6ScECIikhNGBUmrk6ALkPvQT1CRdMBJgEVIr3eBEQIohUggWMCsUZ9OKMERYIxpViPoW5AkrNglSglC85dCI+RMRgaYxQZaZi5LxyFShYvAq4z6TilGBBJaOmV3vphEIvRTnDkvs0IAEnwXuzhk436CUVJT4WnEompKh7dfpBJ8El4ZxQwmBp0Ecw2cYQOjFOBGXnf02vgMpAShpQwrgCMihMJGckoFwpKqmBd+lAuMRAUl\/6GBNCuKI+xUSZXjVmTAQC2Am9GKOSciV9IqkIGPRqCFB3g14yUJ0f04sZUNLnRPiwLMkDrrhgEivKfV5PxTuTvcMLoRgJGPV9RnBAjdRcOKOMaLzDC658FvBA+IHtDt0UqWFhxnzsAxcZodynWGI\/ED5WQnhtExC+6LJ\/CKlLQcJBAtK04SQB\/5tTBLenCDVU7GffiTc3F+WIIq+9+VqPjwAmjNnzD3yZDLrufR02vwWbgv8BsM2XybDp+XrgOGx5CzYDhxNgmy+TYde9r8NWt2Ab1Wm4DV+msxvLG7DJArthhy\/wV1A6gnYGba49j8C+uGoNcJOMO\/TVmpLLLudnouSfF2Ryl2n9ZZwRlhaULoRrQfW59Tob6BgX+G24vhtsmwNjlLRnlN7wsgLHol0h+0LLbq2cy9\/UALdufrbSzaVTuA5GmZwRuVAfqE8WakbUIvhAVbDwZ5Qs2AcaqIWcUbYIPjApoFXAVx8vghmDDsznC3\/G5IJ8YL4PrWrhf2AKL\/iME\/OVzThfiA9M8UUw42qhPjDlL8RMCHgc4IU\/kxRmDcgimPn4AwvYgs58f0HN12Cm\/IX8wAK+EDOCCcwVCFgsJabdX\/gzItSC9wMpnau2Tysvn6fZ84UI4XZbB1cYpIpAZAUWamIrYsBYENvs2J4sqWeD8X6TpeNm9jnShdrS5naW205lx8F0lVw\/6GqfRa2a699nz+1y66agbNkqup47inibKEdTmtfeC2od\/psKteWT8bAdpZ3fQ63apqZ1J0JZHotduNWorEL4Iwdxav5aSlhXzIYCtJYuMF\/9hyRCtO3FbWaXvyDXcvHfO+4uTavdvECX0sQW9TRqrd+s7T1KM1P8HemTcflNSdytLfOfrz9mx2Kry3eDuf4YJ8mxrApzH6iu7w0C85X9+wDnqvDDK19x7oxPNn8cwEjB\/wI=\"><figcaption class=\"nx-fk-cap\"><span>How satellite radar maps a flood and updates the count of affected buildings.<\/span><span data-honesty=\"true\">Synthetic scene and schematic model; no real event or place.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P07\/topics\/model-risk-governance\/#map\" data-nxf-title=\"AI and Financial Model Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"project\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Model risk lifecycle, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-modelrisk-lifecycle\" data-cx=\"modelrisk.lifecycle\" data-variant=\"section\" aria-label=\"Model risk lifecycle: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Model risk lifecycle<\/h3><p class=\"nx-fk-sub\">Model risk governance \u00b7 Model inventory \u00b7 Committee 9<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>9 validations overdue<\/span><span class=\"nx-cx-prod\">GRA \u00b7 AI and Financial Model Risk<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Lifecycle<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"8\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Inventory<\/span><span class=\"nx-cx-snote\">registered<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Develop<\/span><span class=\"nx-cx-snote\">documented<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Validate<\/span><span class=\"nx-cx-snote\">independent<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Approve<\/span><span class=\"nx-cx-snote\">committee<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Implement<\/span><span class=\"nx-cx-snote\">controls<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Monitor<\/span><span class=\"nx-cx-snote\">thresholds<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Review<\/span><span class=\"nx-cx-snote\">annual<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Retire<\/span><span class=\"nx-cx-snote\">decommission<\/span><\/li><\/ol><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Models<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-modelrisk-lifecycle-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-modelrisk-lifecycle-t1\" aria-label=\"Models\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Model<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Tier<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Last validation<\/button><\/th><th scope=\"col\" data-col=\"c3\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Findings<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">State<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-modelrisk-lifecycle:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>MD-204 PD retail<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Tier 1<\/span><\/td><td>14 months<\/td><td data-num=\"true\" data-sv=\"3\">3<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Overdue<\/span><\/td><\/tr><tr data-fk-key=\"cx-modelrisk-lifecycle:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>MD-511 LLM complaints triage<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Tier 1<\/span><\/td><td>never<\/td><td data-num=\"true\" data-sv=\"0\">0<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Not validated<\/span><\/td><\/tr><tr data-fk-key=\"cx-modelrisk-lifecycle:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>MD-164 IFRS 9 staging<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Tier 1<\/span><\/td><td>8 months<\/td><td data-num=\"true\" data-sv=\"1\">1<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Approved<\/span><\/td><\/tr><tr data-fk-key=\"cx-modelrisk-lifecycle:r1-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>MD-534 marketing propensity<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Tier 3<\/span><\/td><td>17 months<\/td><td data-num=\"true\" data-sv=\"0\">0<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Approved<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kv\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Validation scope<\/h4><\/div><\/div><dl class=\"nx-fk-dl\"><div><dt>Conceptual soundness<\/dt><dd><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>In progress<\/span><\/dd><\/div><div><dt>Outcomes analysis<\/dt><dd><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Pending<\/span><\/dd><\/div><div><dt>Benchmarking<\/dt><dd><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Pending<\/span><\/dd><\/div><div><dt>Use limits<\/dt><dd>human review required<\/dd><\/div><\/dl><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Model risk lifecycle: the screen's structure, terms and states for Model risk governance.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Model risk governance: how the risk develops.<\/h2><p class=\"nx-lede\">Inventory, ownership and validation. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Inventories miss models<\/h3><p class=\"nx-p nx-mt-1\">Spreadsheets, vendor tools and AI components often sit outside the model inventory. Unlisted models escape validation and monitoring, and their errors surface only when losses or complaints arrive.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M2 12s3-7 10-7 10 7 10 7-3 7-10 7-10-7-10-7Z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Challenge weakens<\/h3><p class=\"nx-p nx-mt-1\">Validation that lacks independence, skill or authority to stop a model becomes a formality. Effective challenge needs validators who understand the method and can block use.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Tiering sets attention<\/h3><p class=\"nx-p nx-mt-1\">Models are tiered by materiality and complexity, which decides validation depth. Underestimating a model's materiality, or the reach of an AI tool, leaves high-impact models lightly reviewed.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Models interact<\/h3><p class=\"nx-p nx-mt-1\">Outputs of one model feed others: a score feeds pricing, which feeds capital. An error upstream propagates, and aggregate model risk across the chain is rarely measured.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Model tiering<\/td><td data-label=\"Definition\">Classifying models by materiality and complexity to set how deeply each is validated and monitored.<\/td><\/tr><tr><td data-label=\"Term\">Model owner<\/td><td data-label=\"Definition\">The person accountable for a model's development, use and performance within a firm.<\/td><\/tr><tr><td data-label=\"Term\">Model use restriction<\/td><td data-label=\"Definition\">A limit placed on how a model may be used until identified weaknesses are fixed.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Models in inventory<\/td><td data-label=\"Unit\">count by tier<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Model inventory<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Models validated within policy cycle<\/td><td data-label=\"Unit\">share by tier<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Validation records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Open validation findings<\/td><td data-label=\"Unit\">count by severity<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Validation records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Models used with exceptions or restrictions<\/td><td data-label=\"Unit\">count<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Model governance records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">AI and machine learning models in inventory<\/td><td data-label=\"Unit\">count and share<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Inventory and surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Supervisory findings on model risk management<\/td><td data-label=\"Unit\">count<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P07\/topics\/model-risk-governance\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Model risk governance as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a-p07-topics-model-risk-governance-sr117-t nx-dag-a-p07-topics-model-risk-governance-sr117-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p07-topics-model-risk-governance-sr117-t\">Model risk governance: model risk lifecycle<\/title><desc id=\"nx-dag-a-p07-topics-model-risk-governance-sr117-d\">Every model is inventoried and tiered; development is documented; independent validation tests conceptual soundness, outcomes and benchmarks; approval sets limits of use; monitoring and periodic review keep it current until it is retired. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">Federal Reserve and OCC SR 11-7 guidance<\/td><td data-label=\"What it gives\">Model risk management expectations<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">PRA SS1\/23 model risk management principles<\/td><td data-label=\"What it gives\">UK principles for banks<\/td><td data-label=\"Licence class\">Free, Bank of England terms<\/td><\/tr><tr><td data-label=\"Source\">ECB guide to internal models<\/td><td data-label=\"What it gives\">Expectations for internal models used for capital<\/td><td data-label=\"Licence class\">Free, ECB terms<\/td><\/tr><tr><td data-label=\"Source\">Bank of England and FCA surveys of AI and machine learning in UK financial services<\/td><td data-label=\"What it gives\">Use and governance of AI across firms<\/td><td data-label=\"Licence class\">Free, Bank of England and FCA terms<\/td><\/tr><tr><td data-label=\"Source\">EBA follow-up reports on machine learning for internal ratings-based models<\/td><td data-label=\"What it gives\">Supervisory views on ML in capital models<\/td><td data-label=\"Licence class\">Free, EU reuse terms<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P07\/topics\/model-risk-governance\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">AI and Financial Model Risk prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Boards and senior management<\/td><td data-label=\"The question\">What model risk appetite to set and how to oversee it<\/td><td data-label=\"Evidence this page serves\">Inventory, tiering, findings and incident evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Model risk management functions<\/td><td data-label=\"The question\">Which models to validate, approve, restrict or retire<\/td><td data-label=\"Evidence this page serves\">Validation results and monitoring<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential supervisors<\/td><td data-label=\"The question\">Whether model risk management meets expectations<\/td><td data-label=\"Evidence this page serves\">Supervisory reviews and firm reporting<\/td><\/tr><tr><td data-label=\"Who decides\">Internal audit<\/td><td data-label=\"The question\">Whether the model risk framework operates as designed<\/td><td data-label=\"Evidence this page serves\">Governance and validation records<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to model inventories, tiering and validation<\/li><li>Brief on extending model risk management to AI and generative AI<\/li><li>Method note on effective challenge<\/li><li>Questions for boards on aggregate model risk<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What experts ask.<\/h2><p class=\"nx-lede\">Governance questions begin with knowing what models exist.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>What counts as a model, and does the definition capture machine learning, vendor tools and generative AI?<\/li><li>Is every model in the inventory, with an accountable owner and a risk tier?<\/li><li>Is validation genuinely independent and effective at challenging developers?<\/li><li>How are model limitations documented and communicated to users?<\/li><li>Does the board understand the institution's aggregate model risk?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"project\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Mechanisms and drivers.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Models fail through flawed design, poor data, implementation errors, or use beyond their intended scope. Governance frameworks address these through development standards, independent validation and ongoing monitoring, scaled to each model's materiality. Supervisory guidance on model risk management in several jurisdictions sets expectations along these lines.<\/p><p class=\"nx-p\">AI strains traditional frameworks. Machine learning models can be numerous, frequently retrained and embedded in processes; generative AI tools may be adopted informally by staff; vendor models may be opaque. Inventories that miss these uses leave risk unmanaged.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and where the methods stop.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Method or data<\/th><th scope=\"col\">What it shows<\/th><th scope=\"col\">Limits<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Method or data\">Model inventories and tiering<\/td><td data-label=\"What it shows\">Which models exist and how material they are<\/td><td data-label=\"Limits\">Informal and embedded AI uses are easily missed<\/td><\/tr><tr><td data-label=\"Method or data\">Independent validation<\/td><td data-label=\"What it shows\">Soundness of design, data and implementation<\/td><td data-label=\"Limits\">Validation is constrained by time, skills and access to vendor details<\/td><\/tr><tr><td data-label=\"Method or data\">Governance benchmarking<\/td><td data-label=\"What it shows\">How institutions organize model risk<\/td><td data-label=\"Limits\">Self-reported and hard to compare<\/td><\/tr><tr><td data-label=\"Method or data\">Issue and finding analysis<\/td><td data-label=\"What it shows\">Recurring weaknesses<\/td><td data-label=\"Limits\">Findings are confidential within firms<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"project\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/stem\/ai-assurance\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">AI evaluation and assurance engineering<\/span><span class=\"nx-mledger-role\">Validation of machine learning models \u00b7 Red-teaming generative AI \u00b7 Fairness assessment<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/engineering\/ai-assurance\/\" aria-label=\"AI evaluation and assurance engineering: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Calibration testing \u00b7 Drift statistics \u00b7 Group outcome comparison<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/stem\/uncertainty-quantification\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Uncertainty quantification and model validation<\/span><span class=\"nx-mledger-role\">Prediction intervals for loss models \u00b7 Model ensembles \u00b7 Model risk capital or buffers<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/uncertainty-quantification\/\" aria-label=\"Uncertainty quantification and model validation: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Gradient-boosted credit models \u00b7 Language models in operations \u00b7 Anomaly detection<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Inventory and validation records are internal, and their completeness depends on how each firm defines a model. Supervisory findings are published only in aggregate. Aggregate model risk across interacting models is hard to measure. Definitions of AI models differ between regimes and firms. AI and Financial Model Risk explains governance practice; it does not validate, approve or assess any model or firm and gives no advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is model risk?<\/summary><div class=\"nx-answer\">The potential for adverse consequences from decisions based on incorrect or misused model outputs, as SR 11-7 describes it, including financial loss, poor decisions and reputational harm.<\/div><\/details><details><summary>What is effective challenge?<\/summary><div class=\"nx-answer\">Critical, independent analysis of a model by people with the competence, influence and incentives to identify limitations and require changes.<\/div><\/details><details><summary>Are AI models covered by model risk rules?<\/summary><div class=\"nx-answer\">Supervisors such as the PRA state that model risk principles apply to AI and machine learning models, with attention to their specific risks.<\/div><\/details><details><summary>Do spreadsheets and generative AI tools count as models?<\/summary><div class=\"nx-answer\">Many frameworks define models by function rather than technology, so tools that produce quantitative estimates or influence decisions can fall within scope. Each institution applies its own definition under its supervisors' expectations.<\/div><\/details><details><summary>Does the platform review firms' frameworks?<\/summary><div class=\"nx-answer\">No. GRA does not review, validate or approve firms' frameworks or models.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around AI and Financial Model Risk.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/credit-and-pricing-models\/\">Credit and pricing models <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/generative-ai-in-finance\/\">Generative AI in finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/explainability-and-fairness\/\">Explainability and fairness <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/model-monitoring-and-drift\/\">Model monitoring and drift <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/human-in-the-loop-controls\/\">Human in the loop controls <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/third-party-models\/\">Third party models <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/\">AI and Financial Model Risk home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">AI and Financial Model Risk<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=AI%20and%20Financial%20Model%20Risk%3A%20Model%20risk%20governance\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/model-risk-governance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/model-risk-governance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is model risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The potential for adverse consequences from decisions based on incorrect or misused model outputs, as SR 11-7 describes it, including financial loss, poor decisions and reputational harm.\"}},{\"@type\":\"Question\",\"name\":\"What is effective challenge?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Critical, independent analysis of a model by people with the competence, influence and incentives to identify limitations and require changes.\"}},{\"@type\":\"Question\",\"name\":\"Are AI models covered by model risk rules?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Supervisors such as the PRA state that model risk principles apply to AI and machine learning models, with attention to their specific risks.\"}},{\"@type\":\"Question\",\"name\":\"Do spreadsheets and generative AI tools count as models?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Many frameworks define models by function rather than technology, so tools that produce quantitative estimates or influence decisions can fall within scope. 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