Assess whether the system is high-risk under the EU AI Act (f57938)

SITUATION A bank preparing for a model-risk exam cannot treat a customer complaint that a chatbot invented a refund policy as incidental context on explainability pack for a denied-credit decision. Board AI liaison must close the system is high-risk from that extract under AI Governance / Vendors and Agentic Systems.

DECISION Board AI liaison in a bank preparing for a model-risk exam 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 1. Board AI liaison can defend Policy or governance breach from explainability pack for a denied-credit decision after a customer complaint that a chatbot invented a refund policy in a AI Governance challenge. 2. Board AI liaison cannot defend Policy or governance breach from explainability pack for a denied-credit decision; Model defect is what the extract actually supports after a customer complaint that a chatbot invented a refund policy. 3. A customer complaint that a chatbot invented a refund policy never reached the population in explainability pack for a denied-credit decision — reopen intake, do not close the system is high-risk. 4. Two facts in explainability pack for a denied-credit decision after a customer complaint that a chatbot invented a refund policy conflict for board AI liaison; hold this Vendors and Agentic Systems file.

ANALYSIS REQUIRED 1. Reproduce the incident row in explainability pack for a denied-credit decision and say whether it ever touched production data. 2. Split policy-or-governance failure from a model defect using prompts, outputs, and human edits in explainability pack for a denied-credit decision. 3. Reproduce the incident row in explainability pack for a denied-credit decision and say whether it ever touched production data. 4. For this AI Governance Vendors and Agentic Systems 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 the system is high-risk for board AI liaison.

RECOMMENDATION Choose Policy or governance breach / Model defect / Dual failure / Hold for the missing fact on this AI Governance / Vendors and Agentic Systems packet (explainability pack for a denied-credit decision after a customer complaint that a chatbot invented a refund policy). If explainability pack for a denied-credit decision cannot force a AI Governance label under Vendors and Agentic Systems, stop. If explainability pack for a denied-credit decision after a customer complaint that a chatbot invented a refund policy cannot support Policy or governance breach versus Model defect on this AI Governance Vendors and Agentic Systems close, board AI liaison must leave the classification unresolved and name the missing control or provenance fact.