It’s how Decision Governance becomes a working system: capturing decisions as they’re made — owner, rationale, evidence, outcome — and producing them as a system of record at the moment of the decision.
Every consequential decision — in any workflow — produces a structured record at the time of the decision: named owner, structured rationale, supporting evidence, and the action taken. The record is the artifact, not the byproduct.
Dashboards, model outputs, alerts, and core data flow into the decision record automatically. The institution does not maintain a separate evidence trail. The record assembles itself from systems already in production.
Aging, escalation, and override patterns are visible at portfolio level. Decisions without a named owner, or with stale evidence, surface to the dashboard before they surface to an examiner.
Decision records are exportable on demand — full audit trail, supporting evidence, outcome tracking. Exam prep is no longer a sprint pulling files out of email.
Nine operational workflows feed evidence upward to one Board & Strategic layer. The platform sits beneath; upstream data sources connect at the base.
Board & Strategic Layer
Workflow 10
Inherits operational evidence below · Business tier
Operational Layer — Workflows 01–09
Regulatory compliance
Finding → Owner → Remediation
BSA & fraud
Alert → Owner → Disposition
Credit & lending
Request → Decision → Outcome
Asset & liability / treasury
Signal → ALCO → Position
Vendor & third-party risk
Vendor → Review → Decision
Model risk management
Proposal → Validation → Disposition
Member / customer risk & opportunity
Signal → Owner → Response
Product performance
Trigger → Decision → Outcome
Digital transformation
Gate → Decision → Review
Platform Layer
Ingestion Layer
Captures signals from upstream sources via API, file upload, or manual entry, and routes them to the appropriate decision record.
Signal sources
Naming a system here does not imply any business relationship with, endorsement by, or sponsorship from its owner. Product names are trademarks of their respective owners.
The platform does not replace upstream systems. It captures the decisions made using them — the layer none of them produce.
What it is not
What it is
The loan origination system is lending’s system of production — it routes and originates. But the judgment calls made along the way — the exception, the override, the condition, and why — are decisions many LOS platforms don’t keep. Decision Governance captures them, beside your LOS (MeridianLink, Origence, nCino, ICE Encompass, Baker Hill, Abrigo), not inside it.
An LOS pays the loan officer — that’s why officers get a vote in selecting one. This is the opposite value flow: when a loan sours 18 months out and the exception is relitigated by people who weren’t in the room, the structured record is the lender’s own defense — the call was within policy, rationale intact, captured at the time.
Every workflow produces a structured decision record: who, what, why, when, outcome — exportable on demand.
Board-level decisions inherit underlying operational evidence. Enables traceability from strategic decisions to the operational data that supports them.
Connects to existing core, BI, and operational systems. No replacement of upstream infrastructure required.
When a model is the instrument, the record captures what it recommended and what the human did with it — a property of every decision, not a separate product. See how AI is governed →
Maturity Model capabilities
The ten workflows govern your institution’s consequential decisions. Two additional capabilities — Governance Profile and Governance Roadmap — measure and improve the governance discipline itself, against the Decision Governance Maturity Model (DGMM).
Capability 01
A private, in-platform placement against the Maturity Model. Computed from your DGMM self-assessment and live decision-record telemetry. Six facets, floor-with-exceptions composite, per-facet trend matrix with decision pins.
How the Profile is computed →Capability 02
Promote any gap on the Profile to an owned initiative. Initiatives decompose into milestones, milestones into governed decisions. Ships with six facet templates and 125+ pre-built milestones. The platform’s own improvement program is itself a governed workflow.
See the Maturity Model →Reference implementation
The Decision Governance™ platform is DataVisuals’ reference implementation of the DGMM — the system through which we develop the framework, generate the [T] data stream that feeds the published DGI, and demonstrate the discipline at institution scale. The methodology paper is open; other implementations conforming to its specifications can contribute [T] alongside the platform.
For developers and security teams
Two resources for the people who need to look under the hood — engineers integrating Decision Governance into their stack, and security professionals evaluating it for their institution.
API
REST API reference, authentication, webhooks, and integration patterns. Build the Decision Governance schema and semantic layer into your existing data infrastructure.
Open developer docsTrust
SOC 2 Type II infrastructure certification (inherited from our cloud provider), security architecture, data handling practices, and vendor assessment materials. Everything your infosec team needs.
Open trust library