CABIER Global Assurance · Retail AI conduct

    Retail AI conduct assurance

    Govern the customer outcome, not merely the model. Each AI-supported retail journey binds the applicable conduct duty to its decision boundary, evidence and accountable human owner.

    Illustrative operating view. No customer data is used and no consequential decision is executed.

    Customer journeys

    Choose a journey to inspect the control and evidence position around one AI-supported decision.

    Decision under assurance

    AI-supported affordability and eligibility assessment

    Accountable owner: Head of Retail Credit

    Checks before use

    • Permitted data and purpose
    • Reason code completeness
    • Protected-characteristic proxy testing
    • Human reconsideration route

    Evidence retained

    • Input lineage
    • Model and policy version
    • Decision reason
    • Review record

    Current disposition

    HUMAN REVIEW

    The disposition explains whether the journey may proceed, under which conditions, and who must decide when evidence or authority is insufficient.

    The conduct operating model

    Obligation before model

    The customer duty, product rule and decision boundary are registered before the model is allowed into the journey.

    One accountable owner

    Every AI-supported retail decision names the executive who owns the outcome. A provider or model cannot hold that accountability.

    Reasons travel with the decision

    The customer-facing reason, internal policy basis and evidence record remain linked to the same decision event.

    Challenge remains open

    Customers and staff retain a practical route to human reconsideration, with the original and revised outcomes preserved.

    Carry the same accountability into agents that can use tools or act on institutional systems.

    See Know Your Agent