Action AI Review

Advisory recommendation engine — consumes the System Brain context and never finalizes a decision.

Decision Record System Brain Proof Packet Research Workspace Truth Engine

Never approves / rejects / submits Human approval required Does not guarantee compliance

DR-CCU-2026-0001

Community Credit Union — Business Lending Decision (Business Lending Decision Governance), status NEEDS EVIDENCE. 5/10 checkpoints complete; missing evidence: Owner ID for ≥25% owners. 3 proof-packet blocker(s). Risk moderate. Human approval is PENDING APPROVAL and is required before any final decision.

REQUEST MORE EVIDENCE

Required evidence is missing — the file cannot be examiner-ready until it is provided.

Confidence

90%

Checkpoints

5/10 complete, 4 incomplete, 1 N/A

Human approval required

Yes

Final decision allowed

Evidence used

• Government ID
• Identity verification result
• Articles of organization
• Certificate of good standing
• Beneficial ownership certification
• Credit memo
• Financial statements
• Debt schedule
• Underwriting rationale
• DSCR calculation
• OFAC screening
• BSA/AML screening result
• Threshold determination
• Approval authority matrix
• Assembled examiner file

Missing evidence

⚠ Owner ID for ≥25% owners
⚠ Beneficial ownership / KYB evidence

Policy references

• BSA/AML Program Policy
• Customer Due Diligence (Beneficial Ownership) Policy
• Fair Lending Policy
• Credit Approval Authority Matrix

Control references

• Borrower identity verification
• Business entity verification
• Beneficial ownership / KYB check
• Credit memo evidence
• Underwriting rationale
• Adverse action / fair lending review (if declined)
• BSA/AML screening status
• Board/executive review threshold
• Approval authority confirmation
• Examiner file completeness

Proof packet blockers

⚠ Missing evidence: Owner ID for ≥25% owners
⚠ Incomplete checkpoints: Beneficial ownership / KYB check, Board/executive review threshold, Approval authority confirmation, Examiner file completeness
⚠ Human approval not yet recorded

Advisory recommendation only. Action AI never approves, rejects, or submits — a human reviewer must record the final decision. Does not guarantee regulatory compliance. Runs beside the core banking system and never writes back to it.