AI Agent Governance Built for Banking Compliance
Your examiners — OCC, FDIC, NCUA, Fed — want to see a documented governance framework before you deploy AI agents on core banking workflows. NovoStrata gives you that framework out of the box.
Banks and credit unions face the most stringent AI oversight requirements of any regulated industry. SR 11-7 model risk management guidance, FFIEC examination expectations, and emerging AI governance frameworks from federal and state banking regulators all point to the same requirement: documented controls, human oversight, and explainable decisions. NovoStrata maps your AI agent governance directly to those requirements so your next exam is a demonstration, not a scramble.
Where We Move the Needle
Operational scenarios where our automation, tooling, and workflow design translate directly into measurable results.
BSA / AML Screening Agents
Transaction monitoring and SAR preparation agents — with approval gates on all filing decisions, immutable decision logs, and evidence packages formatted for FinCEN and examiner review.
Vendor Due Diligence Agents
Third-party risk management agents that review vendor documentation and flag risk — with human approval on all vendor approvals and rejection documentation for your TPRM program.
Exception Management Agents
Agents that route and resolve operational exceptions — with SLA tracking, escalation workflows, and full audit trails for your quality control and examination documentation.
Loan Review Agents
Credit risk review agents that analyze loan portfolios and flag concentration or policy exceptions — with explainability logs and approval gates on any risk rating change.
Regulatory Reporting Agents
Agents that compile Call Report data, HMDA submissions, and CRA activity documentation — with validation, review workflows, and approval sign-off before any regulatory filing.
Customer Remediation Agents
Agents that identify and process customer remediation scenarios — with human-in-the-loop approval on every remediation payment or account adjustment, and full audit documentation.
Compliance, Operational & Business Risks
Purpose-built controls and audit-ready workflows that reduce exposure across the regulated parts of your operation.
SR 11-7 / Model Risk Examination Findings
Federal banking examiners explicitly apply SR 11-7 model risk management guidance to AI agents. Without documented validation, governance, and monitoring, banks face MRA/MRIA findings.
FFIEC IT Examination Scrutiny
FFIEC examination handbooks address automated systems and AI governance. Banks need evidence of access controls, audit trails, and change management for AI agent systems.
BSA/AML Automated Decision Risk
Regulators expect human judgment — or documented evidence of equivalent controls — on suspicious activity determinations. Fully automated SAR processes without governance create enforcement risk.
Third-Party AI Risk
When AI agents are provided by third parties or interact with third-party systems, banks remain responsible for governance. NovoStrata's controls apply regardless of where the agent originates.
Concrete Deliverables
What your team walks away with after engagement. Every output is production-ready and tied to a measurable business outcome.
SR 11-7 Governance Documentation
Pre-built AI model risk management documentation framework aligned to SR 11-7, ready for your internal model risk management program and examiner review.
FFIEC Examination Package
Structured documentation of AI agent access controls, change management, and audit trails — formatted for FFIEC IT examination requests.
Continuous Compliance Dashboard
Real-time compliance posture dashboard showing control health, pending approvals, and exception counts — always ready for an examiner walkthrough.
Ready to modernize banks & credit unions?
Let's scope an engagement tailored to your regulatory posture, systems, and growth plan.