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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nqh9brgs.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-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 AI and Financial Model Risk<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Financial discipline overview<\/h1><p class=\"nx-scene-lede\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk of harm from decisions based on models that are wrong, misused or applied outside their validity domain.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Model risk<\/a> management is the discipline of controlling the risks that arise from using quantitative models and AI <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> in financial decisions. It developed in banking around valuation and capital models and now covers credit, insurance pricing, reserving, trading, fraud detection, anti-money-laundering, customer service and generative AI tools. This page describes the discipline as research rather than execution: where models are used, how they are governed and what shared understanding the industry needs.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/sector\/risk-transmission\/\">Open Financial-system transmission <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><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\/\">Back to AI and Financial Model Risk<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>4<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>8<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>5<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/section><section id=\"nx-sec-where-models-are-used\" class=\"nx-section\" data-hue=\"project\" data-variant=\"split\" aria-labelledby=\"nx-s-1\"><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\">Where models are used<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The model landscape in finance.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Area<\/th><th scope=\"col\">Typical models<\/th><th scope=\"col\">Main risks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Area\">Lending<\/td><td data-label=\"Typical models\">Credit scoring, probability of default, affordability<\/td><td data-label=\"Main risks\">Unfair outcomes, poor performance in new conditions<\/td><\/tr><tr><td data-label=\"Area\">Insurance<\/td><td data-label=\"Typical models\">Pricing, reserving, catastrophe and claims models<\/td><td data-label=\"Main risks\">Mispricing, reserve shortfalls, discrimination<\/td><\/tr><tr><td data-label=\"Area\">Markets<\/td><td data-label=\"Typical models\">Valuation, trading, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 market-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from movements in market prices, rates or volatility.\" data-ts=\"NRS-C1\" data-tr=\"draft\">market risk<\/a><\/td><td data-label=\"Main risks\">Mis-valuation, correlated behaviour in stress<\/td><\/tr><tr><td data-label=\"Area\">Capital and liquidity<\/td><td data-label=\"Typical models\">Regulatory and economic capital, stress testing<\/td><td data-label=\"Main risks\">Understated risk, false comfort<\/td><\/tr><tr><td data-label=\"Area\">Financial crime<\/td><td data-label=\"Typical models\">Fraud and transaction monitoring<\/td><td data-label=\"Main risks\">Missed crime, excessive false alerts<\/td><\/tr><tr><td data-label=\"Area\">Operations and service<\/td><td data-label=\"Typical models\">Generative AI assistants, document processing<\/td><td data-label=\"Main risks\">Inaccurate output, data leakage, dependency<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"finance\" aria-label=\"Monitor, Model uses, How models are governed, Research, not execution\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Monitor, Model uses, How models are governed, Research, not execution\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-s-2-sec\" aria-selected=\"true\" data-key=\"p1\">Monitor<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-pg-nx-gra-ap07-se\" aria-selected=\"false\" data-key=\"p2\">Model uses<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-how-models-are-governed\" aria-selected=\"false\" data-key=\"p3\">How models are governed<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-research-not-execution\" aria-selected=\"false\" data-key=\"p4\">Research, not execution<\/button><\/div><section id=\"nx-s-2-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><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\">Monitor<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Field overview.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this subject: its measures, states and decisions. Names are examples and values are illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-modelrisk-field\" data-cx=\"modelrisk.field\" data-variant=\"section\" aria-label=\"Field overview: illustrative console with example names and values\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>Field overview: the screen&#8217;s structure, terms and states for AI and model risk.<\/span><span data-honesty=\"true\">Example names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-ap07-se\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><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\">Model uses<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Where models drive financial decisions.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Use<\/th><th>Model type<\/th><th>Main risk<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Use\">Credit decisions<\/td><td data-label=\"Model type\">Scorecards and machine learning<\/td><td data-label=\"Main risk\">Bias, drift<\/td><\/tr><tr><td data-label=\"Use\">Insurance pricing and reserving<\/td><td data-label=\"Model type\">GLMs, machine learning, catastrophe models<\/td><td data-label=\"Main risk\">Non-stationarity, opacity<\/td><\/tr><tr><td data-label=\"Use\">Capital and stress testing<\/td><td data-label=\"Model type\">Internal models, scenario models<\/td><td data-label=\"Main risk\">Assumption risk<\/td><\/tr><tr><td data-label=\"Use\">Fraud and AML<\/td><td data-label=\"Model type\">Anomaly detection<\/td><td data-label=\"Main risk\">False positives and negatives<\/td><\/tr><tr><td data-label=\"Use\">Operations and customer service<\/td><td data-label=\"Model type\">Generative AI<\/td><td data-label=\"Main risk\">Hallucination, data leakage<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-p\">Shocks travel between these parts, and AI and Financial <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk of harm from decisions based on models that are wrong, misused or applied outside their validity domain.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Model Risk<\/a> studies the links: When does a model fail, and who notices? The evidence base is model records and monitoring data.<\/p><\/div><\/div><\/section><section id=\"nx-sec-how-models-are-governed\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><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\">How models are governed<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The core of the discipline.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Inventory and tiering<\/h3><p class=\"nx-p nx-mt-1\">Knowing every model in use, its owner and its materiality. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/model-risk-governance\/\">model risk governance<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Development standards<\/h3><p class=\"nx-p nx-mt-1\">Documented design, data and assumptions, with testing before use.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Independent validation<\/h3><p class=\"nx-p nx-mt-1\">Effective challenge by people independent of the developers.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Monitoring<\/h3><p class=\"nx-p nx-mt-1\">Ongoing checks of performance and drift, with thresholds for review. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/model-monitoring-and-drift\/\">model monitoring and drift<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">05<\/span><div><h3 class=\"nx-h4\">Use controls<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 human-oversight\" data-tk=\"Nexus risk vocabulary\" data-td=\"Arrangements that keep competent people able to understand, monitor and override automated decisions.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Human oversight<\/a> and limits on where a model may be used. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/topics\/human-in-the-loop-controls\/\">human-in-the-loop controls<\/a>.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-research-not-execution\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"split\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><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\">Research, not execution<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What shared understanding the industry needs.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Each institution governs its own models. What none can see alone is how <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk of harm from decisions based on models that are wrong, misused or applied outside their validity domain.\" data-ts=\"NRS-C1\" data-tr=\"draft\">model risk<\/a> accumulates across the sector: how many firms rely on similar data, vendors or techniques, how methods for validating machine learning and generative AI compare, and where common failures are emerging. That precompetitive picture is the focus of this platform. How model failures can spread is set out on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/sector\/risk-transmission\/\">financial-system transmission<\/a>.<\/p><p class=\"nx-p\">Methods include <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/stem\/uncertainty-quantification\/\">uncertainty quantification and model validation<\/a>, AI evaluation and assurance engineering, machine learning and statistics. Sector scenarios appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/tools\/scenarios\/\">the scenarios page<\/a> as they are reviewed.<\/p><p class=\"nx-note nx-mt-3\">Nothing on this platform validates, approves or certifies any model, vendor or institution, and nothing is legal, regulatory or investment advice. Analysis is sector-level research.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"finance\" aria-label=\"Sources, Pages, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Sources, Pages, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"true\" data-key=\"p1\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-s-7-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-s-8-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><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\">Sources<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Where this page&#8217;s references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/www.federalreserve.gov\/supervisionreg\/srletters.htm\"><span>US interagency revised guidance on model risk management, SR 26-2 (April 2026), superseding SR 11-7<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1689\/oj\"><span>EU AI Act (Regulation 2024\/1689) as amended by the AI Omnibus, Regulation 2026\/1744 (credit-scoring high-risk duties from 2 December 2027)<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-7-sec\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><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\">Pages<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Pages in Financial discipline overview.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/sector\/risk-transmission\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial-system transmission<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-8-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><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\">Questions<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Does GRA advise firms on their models?<\/summary><div class=\"nx-answer\">GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is model risk only a banking concern?<\/summary><div class=\"nx-answer\">No. It applies wherever models inform financial decisions, including insurance, asset management, payments and fintech, and increasingly where generative AI is used in operations.<\/div><\/details><details><summary>Why does AI change model risk management?<\/summary><div class=\"nx-answer\">Because machine learning models can be numerous, frequently retrained, harder to explain and more sensitive to shifts in data, and generative AI can be adopted informally across an institution. Frameworks built for a smaller number of statistical models must adapt their inventories, validation methods and monitoring.<\/div><\/details><details><summary>Which methods does the discipline use?<\/summary><div class=\"nx-answer\">Artificial intelligence and machine learning, AI evaluation and assurance engineering, uncertainty quantification and model validation, and probability and statistics. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/stem\/\">the STEM foundation page<\/a>.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">AI and Financial Model Risk<\/span><span class=\"nx-chip\">Methods and Technical<\/span><span class=\"nx-chip\">Exponential Technology<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/ai-financial-model-risk\/sector#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-lriskalliance-com-ai-financial-model-risk-sector-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-lriskalliance-com-ai-financial-model-risk-sector-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-lriskalliance-com-ai-financial-model-risk-sector-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/standards\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Nexus Standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/banking-credit\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Banking and credit risk<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-9\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">AI and Financial Model Risk<\/span><h2 id=\"nx-close-9\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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=\"https:\/\/globalriskalliance.com\/ai-financial-model-risk\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><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><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-10\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-10\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. 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