Examiner Proof Packet

One examiner-ready document assembled from the Unified Decision Record — checkpoints, evidence, Action AI, and the human approval trail.

Export packet (Markdown) Decision Record View System Brain View Action AI Review Research Workspace Truth Engine

RBAC: Export requires EXPORT_PROOF_PACKET. The export endpoint is permission-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

Community Credit Union · DR-CCU-2026-0001

Financial Governance · ComplianceFlow · Business Lending Decision Governance

BLOCKED MISSING EVIDENCE

Amount

$250,000

Examiner-ready

Action AI

REQUEST MORE EVIDENCE

Human approval

PENDING APPROVAL

Export blocked — missing evidence: Owner ID for ≥25% owners

ComplianceFlow Checkpoints

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

Recommendation & Approval

Action AI: REQUEST MORE EVIDENCEadvisory only — never approves or submits

Human approval: PENDING APPROVALrequired before export

Audit Timeline

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

Document Verification (Veritaxis)

3/7 verified · trust signal RED

Completeness 43% · blocks proof packet

Missing required: Beneficial ownership / KYB evidence

Needs review: Borrower government ID, BSA/AML screening evidence, Approval authority memo

Research Citations

Truth-approved, decision-linked claims (Research Workspace + Truth Engine).

“Business lending decisions need clear evidence and documented reasoning.”
Examiner guidance on business lending files (demo placeholder) · OFFICIAL · CURRENT
“Compliance checkpoints should be resolved before examiner-ready packet status.”
Credit union compliance reference (demo placeholder) · INSTITUTIONAL · CURRENT
“Beneficial ownership / KYB evidence is material to the file.”
Examiner guidance on business lending files (demo placeholder) · OFFICIAL · CURRENT

• Documents governance process for examiner review; does not guarantee regulatory compliance.

• CodexDominion runs beside the core banking system — it does not replace it and never writes back to it.

• No Jack Henry or core-banking integration in this pilot; no real customer data.

• Action AI is advisory; every final lending decision requires human approval.