Model governance
Model cards
Every model ships with a card, a materiality tier under SR 26-2 and the business outcome it answers for. Figures are illustrative, on synthetic data.
production
Real-time fraud detection
Authorization-time fraud scoring
0.942
AUC
0.713
KS
0.774
Recall
SR 26-2 · Tier 1 - ongoing monitoring
Approval-rate parity within tolerance
+34% vs rules engine (illustrative)
validation
Credit line increase eligibility
Proactive credit line increase decisions
0.801
AUC
0.468
KS
0.655
Recall
SR 26-2 · Tier 1 - independent validation
AIR 0.91 on BISG proxy (synthetic)
+12% vs champion policy (illustrative)
validation
Cardholder attrition propensity
90-day voluntary attrition risk
0.831
AUC
0.522
KS
0.701
Recall
SR 26-2 · Tier 2 - independent validation
Offer parity across segments
+19% vs untargeted retention (illustrative)