Separate the decision layers
Document eligibility rules, affordability checks, score generation, pricing and manual review as distinct stages. Record the inputs and version used at each stage. This prevents a single score from obscuring a policy override or a downstream business rule.
Preserve a reconstructable record
Capture source data references, transformations, model and rules versions, reason outputs, review actions and final disposition. Define retention, access and correction procedures with the institution's control owners. Test whether a reviewer can reconstruct a sampled decision from the retained record.
Test explanations through the workflow
Validate explanations against the actual decision path, including missing data, boundary cases and overrides. Cicrim can help design the architecture, decision log and acceptance tests. The bank's authorized teams review the suitability of notices, explanations and release criteria before production use.
Plan the next working session
Bring the current process, the accountable business and control owners, and the questions your team needs to resolve. Cicrim can help define a focused scope, expected working outputs and acceptance criteria before delivery begins.
Discuss decision architecture for explainable scoring