A platform for structured product and service risk governance - covering submission, risk driver evaluation, committee approval, product registry, and lifecycle monitoring. Includes an integrated AI-powered pre-submission risk analysis module.
Board or delegated committee approves the new product concept. Risk management, compliance, and internal audit must all be formally involved in the decision.
The Workflow enforces the complete governance process — from initial submission through committee decision and into ongoing monitoring — with no manual coordination or spreadsheet reconstruction.
Assess all material risks to the identified target market: credit, market, liquidity, operational, conduct, AML/CFT exposure, climate and ESG factors.
The AI Risk Assessment Advisor detects the product type and applies the relevant regulatory framework cluster — including EBA/GL/2023/02, GDPR Art.35, and 4AMLD/5AMLD — automatically.
Products involving systematic processing of personal data require a DPIA. Completeness and consistency of DPIA declarations must be verifiable during supervisory review.
The AI Advisor flags DPIA inconsistencies — including cases where data processing is declared but DPIA is marked 'Not Required' — before the submission enters the formal governance workflow.
Supervisors expect a complete, reconstructible record of every governance decision — who scored what, when, on what basis, and with what outcome.
Every score, condition, override, and committee decision is permanently logged with user attribution and timestamp. The full trail is available for ECB Joint Supervisory Team or ΤτΕ inspection at any point.
Continuous audit of every process step against regulatory requirements.
Continuous audit of every process step against regulatory requirements.
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