MEHRA/INNOVATIONS
USE CASE 03 / BANKING · COMPLIANCE

Six-week evidence pull. Three-hour exhaustive review.

The problem.

Mid-size banks are in the most punishing regulatory window in a generation.

  • —OCC and FDIC exams are intensifying.
  • —CFPB scrutiny on fair-lending and Section 1071 is escalating.
  • —State regulators are adding AI and third-party risk requirements.
  • —The bank doesn't have a Tier-1's compliance budget.
  • —It has the same expectations.

Internal Audit and external auditors are drowning in evidence requests.

Manual sampling, screenshot walkthroughs, and PowerPoint controls do not scale to a bank running dozens of AI use cases.

A single consent order can wipe out a year's earnings and freeze strategic flexibility for 24 months.

The Wedge — EvidenceGraph.

  • —Continuous controls monitoring — every customer record, every model decision, every data flow timestamped and lineage-tracked at the attribute level.
  • —Evidence graph that answers "show me how this credit decision was made on March 14" in one query, not a six-week evidence-collection project.
  • —Auto-generated, continuously updated model and data cards for every AI use case in production — the bank's entire AI inventory becomes audit-ready artifact.
  • —Pre-built mappings to OCC Heightened Standards, FDIC, CFPB 1071, BSA/AML, FFIEC IT Examination Handbook, NIST AI RMF, and SR 11-7 model risk.

Engineering wrap — two agentic surfaces.

Auditor Copilot.

Internal audit and external auditors query EvidenceGraph in natural language.

"Show me all credit decisions where model confidence was below 70% and the override was approved by a single signer."

A three-week sampling exercise becomes a three-hour exhaustive review.

Shadow Audit Agent.

Continuously pre-mortems against OCC and FDIC examination playbooks.

Flags exceptions before the regulator does.

Credit-union variant.

  • —EvidenceGraph for credit unions.
  • —Supervisory Committee Copilot gives volunteer board members a plain-English view of audit posture without 200-page packets.
  • —Examiner Copilot supports NCUA examiner access under supervised query.
  • —Shadow Audit Agent runs NCUA AIRES-style scoring continuously.

Adjacent FS lifts (positioning).

One substrate. Eight wedges. Four industries.

  • —Banking — FairLending Copilot for HMDA / CFPB 1071 monitoring, SAR Copilot for BSA/AML alert triage and narrative quality.
  • —Wealth — Suitability Copilot for Reg BI evidence at every recommendation.
  • —Wealth — Marketing Review Copilot for Rule 206(4)-1 review.
  • —Capital markets — Surveillance Copilot for MAR, spoofing, layering investigation memos.
  • —Capital markets — CommsEvidence Copilot for SEC 17a-4 and off-channel comms.
  • —Insurance — InsuranceModelCard Copilot for NAIC AI Bulletin / NY DFS / Colorado SB 21-169 model risk.
  • —Insurance — ClaimsDecision Copilot for unfair claims practices evidence.

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