Regulated-Operations AI Governance
One discipline, six regulated verticals.
When an examiner, an investor, or an acquirer asks who can override your AI and where the record sits — this is the framework that answers.
- $750M deal architect
- Ransomware-to-cloud: 50-day MVP, not 6 months
- 6 open libraries, all DOI-archived
Built by Kunjar Bhaduri — I build the governance, then the system that lives under it.
Six regulated verticals, one governance backbone
One discipline — the A0→A4 ladder, sovereign veto, and hash-chain audit — hardened separately for the six regulated sectors where an autonomous agent can move money, deny a person, or bind a fiduciary. Each has its own regulator, its own rule cite, its own open library.
Allocators, alts & family offices
Mandate, risk-limit, and fiduciary-reasonableness gates mapped to the Advisers Act §206 fiduciary duty.
PE-backed CRE operators
Lease-abstraction provenance, fair-housing pre-flight gate, tenant-PII residency. Colorado SB 26-189 mapped.
Capital markets & trading desks
EU AI Act mapping for cross-border desks, plus a DEFCON-style readiness state machine, sovereign veto, and hash-chain audit for market-facing AI.
Bank model-risk & lending
Model-risk effective-challenge, ECOA / Reg B adverse-action gate, OFAC reference workflow.
Payment & transfer operators
OFAC screening, BSA / AML, Reg E — plus a rail-finality gate for transfers that can’t be clawed back.
Health-insurance payers
Coverage-determination and utilization-management governance for health-insurance payers.
Five maturity tiers, A0 to A4
Think of it as a driver’s license for AI. At A0 it only gives directions — a human drives. At A2 it drives inside a fenced lot while you spot-check. At A4 it drives itself on approved routes, with a brake it can’t switch off and a recorder of every turn. Most firms believe they sit a rung higher than they can prove.
A2 → A3 is the regulator-visible boundary. Escalation is automatic; de-escalation is deliberate.
Six pattern libraries, public and citable
The same A0→A4 ladder, sovereign veto (a stop the AI can’t switch off), and hash-chain audit (a tamper-proof record of every decision), hardened for six regulated sectors. Every library is public, permissively licensed, and DOI-archived on Zenodo. Open reference implementations — read and run them before any conversation.
SEC-registered investment advisers — Advisers Act §206 fiduciary controls, mandate and risk-limit gates.
DOI · 10.5281/zenodo.20564496
Lease-abstraction provenance, fair-housing pre-flight, tenant-PII residency — three CRE-native gates.
DOI · 10.5281/zenodo.20437081
Regulated finance — DEFCON-style readiness state machine, sovereign veto, hash-chain audit, EU AI Act mapping, shadow mode.
DOI · 10.5281/zenodo.20434570
Model-risk effective-challenge, ECOA / Reg B adverse-action gate, OFAC reference workflow.
DOI · 10.5281/zenodo.20564584
OFAC screening, BSA / AML, Reg E — plus a rail-finality gate for transfers that can’t be clawed back.
DOI · 10.5281/zenodo.20592773
Coverage-determination and utilization-management governance for health-insurance payers.
DOI · 10.5281/zenodo.20564377
Where does your AI program sit on the ladder?
Score your AI program on the A0→A4 ladder — seven questions, two minutes, a tier read you can hand to a board. It runs in your browser; nothing you enter leaves the page.
Get the governance brief now
The A0→A4 framework and the six open-source pattern libraries, in one brief you can hand to a board. Enter your email and I’ll send the full board-ready write-up — then run the diagnostic for your tier.
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