InferTrust Financial: Cryptographic Proof for Financial Services AI
When an examiner asks how your AI scored that loan, can you reconstruct the exact model, policy, and confidence at decision time? InferTrust Financial makes that answer verifiable.
What InferTrust Financial Does
InferTrust Financial creates cryptographically signed decision records for every AI-assisted financial determination, including credit decisioning and underwriting, fraud detection and transaction monitoring, anti-money laundering compliance, risk assessment and pricing, regulatory reporting, and SOX internal controls. Each record proves which model version evaluated the case, which policy was active, what confidence score was produced, and what action was taken.
Key Pain Points Addressed
- Regulatory examinations requiring proof of AI decision logic that institutions cannot reconstruct from application logs
- Fair lending analysis limited to portfolio-level statistics with no individual decision provenance
- SOX Section 404 documentation gaps when AI systems participate in financial reporting
- Model risk management requirements under SR 11-7 with no continuous evidence of model behavior
Decision Actions Captured
- FIN_APPROVE: Transaction, credit, or underwriting decision approved above autonomous threshold
- FIN_DENY: Decision denied with documented policy basis and adverse action reasons
- FIN_FLAG: Fraud, AML, or compliance monitoring has flagged activity for human investigation
- FIN_ESCALATE: Confidence below threshold, mandatory human reviewer escalation
- FIN_HOLD: Decision held pending additional information or enhanced due diligence
Regulatory Frameworks Supported
- SOX (Sarbanes-Oxley): Internal controls over financial reporting
- ECOA (Equal Credit Opportunity Act): Fair lending requirements
- FCRA (Fair Credit Reporting Act): Credit decisioning accuracy
- BSA/AML (Bank Secrecy Act): Anti-money laundering
- SR 11-7 (Federal Reserve): Model risk management
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