Assess whether deprecation of a legacy scorecard creates a governance gap

Situation

After a customer complaint that a chatbot invented a refund policy, explainability pack for a denied-credit decision is what EU AI Act implementation manager can touch in an insurer scoring claims with a third-party model. AI Governance will live with Policy or governance breach versus Model defect on this Policy and Oversight file.

Decision

EU AI Act implementation manager in an insurer scoring claims with a third-party model must choose Policy or governance breach / Model defect / Dual failure / Hold for the missing fact using explainability pack for a denied-credit decision after a customer complaint that a chatbot invented a refund policy.

Hypotheses to test

• The population in explainability pack for a denied-credit decision is the one a customer complaint that a chatbot invented a refund policy named, so Policy or governance breach follows for this Policy and Oversight file.
• The population in explainability pack for a denied-credit decision is adjacent only to a customer complaint that a chatbot invented a refund policy; Model defect is the honest AI Governance call.
• An insurer scoring claims with a third-party model already contained a customer complaint that a chatbot invented a refund policy before explainability pack for a denied-credit decision arrived; no new Policy and Oversight path.
• Provenance on explainability pack for a denied-credit decision after a customer complaint that a chatbot invented a refund policy is broken; do not pick Policy or governance breach or Model defect yet.

Analysis required

• Walk the model input/output path recorded in explainability pack for a denied-credit decision and mark each hop approved, shadow, or unlogged.
• Verify data provenance and the human-oversight gate EU AI Act implementation manager can actually point to.
• Walk the model input/output path recorded in explainability pack for a denied-credit decision and mark each hop approved, shadow, or unlogged.
• For this AI Governance Policy and Oversight file, read explainability pack for a denied-credit decision against a customer complaint that a chatbot invented a refund policy and write the one fact that would move deprecation of a legacy for EU AI Act implementation manager.

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