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The Need for DFA's AI Monitor TM

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    Replacing human agents with AI engages model risk management regulations

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    Model Risk Management requires a 2nd Line of Defense, independent oversight

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    Looking for rare events in a high speed, automated process is beyond human capabilities

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    We need an independent AI trained to monitor front line AI

Benefits of GenAI- Based Monitoring

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Scalability

DFA’s AI Monitor™ can assess a larger sample of AI-generated communications than human reviewers, which enhances detection rates

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Consistency

DFA’s AI Monitor™ remains unaffected by fatigue, bias, or shifts in attention over time. Metrics compare human and AI agents.

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Refinement

Through feedback from human reviewers, the DFA’s AI Monitor™ will be steadily refined or customized to specific client domains.

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Rapid Response

AI models can instantly flag potential violations, allowing human compliance officers to intervene when necessary.

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Regulatory Transparency

Using DFA’s AI Monitor™ for compliance monitoring ensures a structured, quantifiable approach to regulatory and ethical compliance.

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Real-time Audit Report Generation

All of the key outputs from DFA’s AI Monitor™ Dashboard

AI Monitor System View

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Example Assertions

    FDCPA-1
    "The message must include a clear statement identifying the debt collector by name and providing valid contact information.“
    TILA-1
    "If a collections communication includes an offer to modify, settle, or otherwise alter the existing credit terms (e.g., interest rate, repayment schedule), the message must include a clear and conspicuous disclosure of all material credit terms as required under TILA and Regulation Z.“
    ECOA-1
    "The message must not contain language that implies different treatment or offers based on a consumer's race.”
    ECOA-8
    "The message must avoid any imagery or phrasing that could discourage or exclude consumers from protected groups from applying for credit.“
    ECOA-8
    "The message must avoid any imagery or phrasing that could discourage or exclude consumers from protected groups from applying for credit.“
    Ethical-1 (Plain Language)
    "The consumer loan offer must be written in plain language that avoids unnecessarily technical jargon and is easily understandable by a typical consumer.“
    Ethical-4 (Respectful Tone)
    "The consumer loan offer must maintain a respectful and courteous tone throughout the communication, ensuring that it does not belittle or patronize the recipient.”

AI Monitor System View

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AI Monitor Comparing Agents

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  • Applicable to both human and AI agents for comprehensive compliance monitoring.
  • Establishes a compliance baseline by comparing human and AI agent behavior
  • Efficiently scans human-human
    communications     to detect compliance risks.
  • Tracks AI agent behavior across version
    changes using unique Agent IDs.

About us

Deep Future Analytics (DFA) is the result of 30 years of research and experience in credit risk analytics, in all its many aspects

founder

Joseph Breeden

PhD, Founder, CEO and Chief Scientist

About us

Deep Future Analytics (DFA) is the result of 30 years of research and experience in credit risk analytics, in all its many aspects

Our Founder and CEO

EXPERT
  • PhD Physicist – Chaos Theory
  • 30+ years of experience in the industry. Global expertise.
  • Leading expert in the industry. 6 books, 90+ academic research articles.
INNOVATOR
  • Inventor of vintage modeling for stress testing, ML cash flow modeling, multi-horizon survival models
  • Holds 8 patents in lending and AI analytics
VISIONARY
  • President – Model Risk Managers International Association
  • Editorial Board of AI and Ethics Journal
  • Author of key papers in ML fairness, quantifying ethical impacts of AI policies, and the evolution of AI goals

Board Members

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    David Hilger, 
    Allied Solutions
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    John Denison
    Allied Solutions
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    Anju Patwardhan
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    Joseph Breeden
    CEO
With a team of 25 expert data scientists, technologists, and economists, DFA is led by Dr. Joseph Breeden, a pioneer in the field of risk modeling. Together, we equip financial institutions with actionable intelligence to drive smarter, more strategic decisions.

Distribution Partners (USA)

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Distribution Partners (AU/NZ)

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System Integration Partner (Asia)

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System Integration Partner (Thailand)

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Discover more about

DFA's AI Monitor TM