Workspace: The Merritt Methods Demo Workspace

Unified Decision Record

The canonical object every Financial Governance capability writes to — ComplianceFlow, Veritaxis, Action AI, and the Proof Packet all reference this one record.

Examiner Proof Packet View System Brain View Action AI Review View Research Workspace View Truth Engine ComplianceFlow checkpoints View Veritaxis

This decision record is indexed in Organization Memory alongside GrantOps and VetWealth.Trace this decision's evidence to controls, policies, and its proof packet in the Evidence Graph.See this decision inside the Business Lending Decision Governance workflow.Core banking (Jack Henry) is a read-only / no-write-back / future adapter — see the Integration Platform.This is the lending decision behind the Jack Henry Pilot Command Room — open the buyer-facing summary.

RBAC: Approval requires APPROVE_DECISION and export requires EXPORT_PROOF_PACKET. Actions are gated by the pilot workspace actor (?actor= / x-workspace-actor, default owner) — not production auth. Manage actors on the Workspace page.

No core replacement No core write-back Human approval required Does not guarantee compliance

DR-CCU-2026-0001 · Community Credit Union

Financial Governance · ComplianceFlow · Business Lending Decision Governance

NEEDS EVIDENCE

Decision type

Business Lending Decision

Amount

$250,000

Business

Riverside Bakery & Cafe LLC

Ownership

2 members (60% / 40%)

Risk score

58/100

Confidence

74%

Created by

Dana Reyes

Version

Business lending decision under review. Required compliance checkpoints are mostly complete, but beneficial-ownership evidence is outstanding, which blocks examiner readiness. This record documents the governance process and does not guarantee regulatory compliance.

Action AI Recommendation

REQUEST MORE EVIDENCE

Advisory only — the AI never approves, rejects, or submits.

Build proof packet

Human Approval

PENDING APPROVAL

Required before any final lending decision.

Proof Packet

NOT READY

Assembles once required checkpoints are complete and a human approves.

Policies Applied

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

Controls Applied

• 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

ComplianceFlow Checkpoints

Contributed by the ComplianceFlow capability.

View capability

Borrower identity verificationCOMPLETE

Business entity verificationCOMPLETE

Beneficial ownership / KYB checkMISSING EVIDENCE

Credit memo evidenceCOMPLETE

Underwriting rationaleCOMPLETE

Adverse action / fair lending review (if declined)NOT APPLICABLE

BSA/AML screening statusCOMPLETE

Board/executive review thresholdNEEDS REVIEW

Approval authority confirmationNEEDS REVIEW

Examiner file completenessNEEDS REVIEW

Documents & Evidence

Veritaxis will verify these documents.

Government IDunverified
Identity verification resultunverified
Articles of organizationunverified
Certificate of good standingunverified
Beneficial ownership certificationunverified
Owner ID for ≥25% ownersmissing
Credit memounverified
Financial statementsunverified
Debt scheduleunverified
Underwriting rationaleunverified
DSCR calculationunverified
OFAC screeningunverified
BSA/AML screening resultunverified
Threshold determinationunverified
Approval authority matrixunverified
Assembled examiner fileunverified

Missing Evidence

Blocks examiner-ready status and the proof packet.

⚠ Owner ID for ≥25% owners

Audit Timeline

Every step is recorded on the decision record.

RECORD CREATED
Decision record opened for $250,000 small business loan review.
2026-08-29T18:39:56.075Z
CHECKPOINTS EVALUATED
10 compliance checkpoints evaluated (5/9 required complete).
2026-08-29T19:39:56.075Z
EVIDENCE CAPTURED
15 evidence items captured against checkpoints.
2026-08-29T20:09:56.075Z
MISSING EVIDENCE FLAGGED
Missing evidence flagged: Owner ID for ≥25% owners.
2026-08-29T20:39:56.075Z
RECOMMENDATION GENERATED
Action AI recommended REQUEST_MORE_EVIDENCE (advisory; human approval required).
2026-08-29T21:39:56.075Z
AWAITING HUMAN APPROVAL
Awaiting Chief Credit Officer approval — no decision is final until a human records it.
2026-08-29T22:09:56.075Z

ComplianceFlow operates beside the core banking system and never writes back to it. Documents governance process; does not guarantee regulatory compliance. Every final decision requires human approval.