One control layer for every consequential decision
For banks with many business lines and more than $10 billion in assets: a unified layer to oversee, intervene on and remediate consequential work across every line, whether it is done by people or by AI.
Discover the Prisma platformWhy large banks need decision governance
At scale, a bank makes millions of consequential decisions across many business lines, each with its own people, systems, models and AI agents, and its own way of keeping evidence. The result is strong local controls and a weak view of the whole. Decision governance puts one layer over that complexity, overseeing decisions wherever they are made, against policy and regulation.
Why one control layer beats many point tools
Local controls do not line up: different standards, different evidence, different definitions of failure. A unified layer gives enterprise architecture and compliance one standard to build on, comparable evidence for every supervisor, and a way to bring a new use case or AI agent under oversight without a new tool.
Oversight, intervention and remediation, together
Prisma evaluates each decision against your policy and the rules that apply, detecting violations and ambiguity and recording the reasoning. When one falls short, it intervenes, applying consequences and feedback to the person or the AI behind it. Remediation turns that into better behavior, so performance improves and stabilizes over time, and the evidence of every judgment is kept.
One control layer across the decisions that matter
How Prisma helps tier-1 and regional banks with the requirements each regulator sets.
- OCC
Office of the Comptroller of the Currency
Credit underwriting standards, policy exceptions and real estate lending guidelinesUnderwriting
Model risk (OCC Bulletin 2011-12) and third-party risk management guidanceAI agents
- Federal Reserve
Board of Governors of the Federal Reserve System
Model risk management guidance (SR 11-7)AI agents
Consumer compliance examination: UDAAP and Regulations Z, E and BContact centerDisputes
- FDIC
Federal Deposit Insurance Corporation
Examination of BSA/AML, consumer compliance and fair lendingSARKYC/KYBContact centerUnderwriting
- CFPB
Consumer Financial Protection Bureau
Rules against unfair, deceptive or abusive acts or practices (UDAAP)Contact centerDisputes
Billing error, error resolution, credit reporting dispute and mortgage servicing rules (Regulations Z, E, V and X)Disputes
Fair lending (ECOA, Regulation B and the Fair Housing Act)Underwriting
- FinCEN
Financial Crimes Enforcement Network
- OFAC
Office of Foreign Assets Control
Sanctions screening of customers and transactionsKYC/KYB
- NYDFS
New York State Department of Financial Services
International supervisors
- EEOC
Equal Employment Opportunity Commission
Title VII, the ADEA and the ADA apply to hiring and HR decisions, including those made with AI toolsHiring
Frequently asked questions
Decision governance is the oversight of the consequential decisions a bank makes, by people or by AI, against its policies and the rules that apply. A unified control layer does this across business lines instead of one line at a time.
Several at once. The OCC, the Federal Reserve and the FDIC supervise by charter and holding company structure, the CFPB supervises consumer compliance above $10 billion in assets, FinCEN and OFAC set financial crime and sanctions rules, state regulators such as NYDFS add their own, and international supervisors apply where the bank operates abroad.
Business line controls are built for one process and keep their own standard and evidence. A unified layer applies one standard to every use case and records every judgment in one form, so evidence is comparable across business lines.
Guidance such as SR 11-7 and OCC Bulletin 2011-12 expects banks to govern the models they use. Prisma does not replace model validation. It adds oversight of the decisions and behavior of AI in production against your policy, and keeps the evidence.
Governance across the institution is the goal. Large banks typically start where the evidence gap is largest, such as SAR dispositions, onboarding or AI agents, and extend from there.
No. They keep doing their work. Prisma evaluates the decisions that come out of them, and out of the people and AI using them, intervenes when one falls short of policy, and keeps the evidence.
As an SDK that runs inside your own environment, with Palqee's managed cloud and interface available if you need them. Forward Deployed Governance Engineers embed with your team from day one.