Ruslan Magana Vsevolodovna@ruslanmv

Problem AI-driven financial decisions, such as loan approvals, face risks including bias, ethical concerns, and regulatory non-compliance. Without proper governance, these systems may make unfair or non-transparent decisions, leading to legal and reputational issues. Solution The AI Governance Framework integrates IBM Granite models with the BeeAI framework to create a trustworthy AI system for automated yet accountable loan approvals. It employs governance agents to detect bias, ensure ethical alignment, and audit regulatory compliance. A human-AI collaboration layer allows manual intervention when necessary. Target Audience Financial institutions, fintech companies, and enterprises seeking automated, fair, and compliant AI-driven decision-making. Unique Features and Benefits • Multi-layered governance incorporating safety, ethics, compliance, and human oversight • AI-powered decision-making using IBM Granite for intelligent and explainable outputs • Structured auditing to ensure legal and ethical accountability • Seamless integration with a modular and scalable design for businesses This solution enhances trust, efficiency, and fairness, ensuring AI operates transparently and responsibly.