caio-05 · Commercial banking
The Unowned Decision
At 07:42, forty-three thousand small-business credit lines are reduced or withdrawn. Six point seven billion dollars of exposure disappears. The capital ratio improves by forty-two basis points. Eight thousand nine hundred customers lose access to payroll funding. No agent exceeded its authority. No human approved the combined outcome. The board asks: Who decided?
Mandate
Protect customers, restore legitimate ownership, and keep critical credit controls operating for eight compressed hours after a multi-agent system produces a lawful local result and an unacceptable enterprise outcome.
Separate contribution, authority, execution, review, and accountability.
Reconstruct a composite decision from distributed agent actions.
Repair customer harm without destroying capital and fraud controls.
Prevent accountability laundering through committees, vendors, or machine explanations.
Create an operating model in which every material AI decision has an effective human owner.
Mission conditions
Duration90–110 minutes
DifficultyFrontier
Decisions8
Agents6