CABIER Consulting / FOS
Supervisory intelligence, AI governance and model risk, cybersecurity, operational resilience, token and crypto assurance, continuous evidence, legal and regulatory intelligence, and the Conduct and Resilience Spines.
Founder, Chairman & CEO, CABIER
Dax Philbert, LLM
Building governance and assurance infrastructure above the rail of regulation, technology and economic activity.
Why CABIER exists
An institutional problem became an architectural thesis.
I built CABIER around a simple institutional problem: organisations were being asked to govern increasingly complex systems through fragmented policies, point-in-time assessments and disconnected evidence.
My career in financial services governance, risk and regulatory transformation led to a different conclusion: governance cannot remain an episodic activity sitting beside the systems that institutions depend upon. It has to operate above the rail, continuously translating authority into controls, decisions, evidence and assurance.
Over 25 years, I have worked across financial services governance and transformation, including engagements with Deutsche Bank, Société Générale, MUFG Bank, Wells Fargo, BMO Capital Markets, TD Securities, CIBC and OpenText, alongside leadership appointments including Chief Privacy Officer and Americas Head of GRC.
Governance Above the Rail™
The core intellectual thesis.
Governance Above the Rail means sitting above the underlying systems, platforms and economic rails to translate law, regulation, risk and real-world activity into controls, decisions, evidence and trusted outcomes.
01
Source
02
Obligation
03
Control
04
Evidence
05
Assurance
Career → thesis → architecture
The progression behind CABIER.
25+ YEARS
Financial services governance
Governance, risk, compliance and regulatory transformation across consequential institutions.
INSTITUTIONAL PROBLEM
Fragmentation obscured accountability
Changing regulation, disconnected controls and evidence, and point-in-time assessments could not govern systems in motion.
GOVERNANCE ABOVE THE RAIL™
Authority translated into assurance
Source → Obligation → Control → Evidence → Assurance
ORS
A measurable resilience position
A nine-dimension, regulator-traceable methodology for measuring institutional resilience.
CABIER
Trust infrastructure
A connected governance and assurance spine rather than episodic consulting or isolated software.
CABIER GLOBAL ASSURANCE
Assurance for consequential systems
Infrastructure for AI-native institutions, financial infrastructure and high-consequence environments.
Methodology authorship
Operational Resilience Score
Creator of the Operational Resilience Score (ORS), a nine-dimension, regulator-traceable methodology for measuring institutional resilience.
The ORS became one expression of the broader thesis: resilience should be measurable, evidence-linked and intelligible to accountable executives and supervisors.
Explore the ORS methodologyProfessional record
Experience that informed the architecture.
The organisations below are approved professional engagements. They are not presented as endorsements, partnerships or employment relationships.
Deutsche Bank
Société Générale
MUFG Bank
Wells Fargo
BMO Capital Markets
TD Securities
CIBC
OpenText
SMCRDORABasel 3.1SR 11-7OSFIAI governanceAI and model riskTokenisationDigital assetsOperational resilienceRegulatory changeFinancial services governance
The CABIER ecosystem
Connected surfaces on one architecture.
CABIER is being built as a connected ecosystem rather than a collection of siloed products. Each surface addresses a different part of economic and institutional activity while sharing a common intelligence, governance and trust architecture.
CABIER AI
Sovereign AI governance and assurance, including AI resilience scoring, model risk and regulatory alignment.
Tokenization Control OS
The control plane governing tokenised markets above the underlying settlement infrastructure.
CABIER Captive
AI-native insurance and captive infrastructure spanning feasibility, underwriting, programme administration, regulatory reporting and reinsurance.
CABIER Financial
A lifetime financial operating system connecting identity, payments, banking, credit, insurance, investing, housing, business and legacy.
CABIER One
Unified transit, mobility, logistics, delivery and freight infrastructure.
CABIER RE
Real estate intelligence connecting property, operations, risk, insurance, financing and mobility.
Ecosystem map. Deployment depth varies by surface; architecture descriptions do not imply that every capability is deployed in every context.
One shared trust layer
CABIER Global Assurance
RegulationRiskIdentityAuthorityAITransactionsCapitalAssetsEvidenceResilienceEconomic activity
CABIER Global Assurance is the architecture through which that shared trust layer becomes independently observable, controllable and evidenced across intelligent and consequential systems.
The CABIER Assurance Corpus preserves the relationships between authority, obligations, controls and evidence. CABIER Assurance Intelligence operates independently across model-diverse environments to support governed interpretation and reassessment. Both are published parts of the current architecture.
Explore Global AssuranceThe natural extension
GovernanceRiskComplianceResilienceAITokenisationAutonomous systemsSystemic assurance
The underlying problem remained the same: who is authorised to act, under which rules, with what controls, what evidence exists, and what happens when conditions change?
CABIER Global Assurance extends that question from institutions to the intelligent systems, agents, financial infrastructure and high-consequence environments they increasingly operate.
The thesis
Intelligence is becoming abundant. Authority, context and evidence are not.
As AI systems become capable of reasoning, using tools, accessing data and taking action, institutions need more than another model, dashboard or policy repository. They need an assurance architecture that can establish what a system is, what it is allowed to do, which rules apply, what controls constrain it, what evidence supports the decision and what consequences follow.
That is what CABIER is being built to provide.
THE FIRM. THE PLATFORM. THE THESIS.