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One workflow on your data, one user. No card. Watermarked exports.
Start freeDecision Governance for Financial Institutions™
Decision governance for banks and credit unions
The decision took twenty minutes. Reconstructing it takes six weeks.
Who decided, on what basis, with what authority — captured when the call is made. Across lending, treasury, BSA, vendor, product, digital, model risk, member risk, and compliance, feeding one board layer above them.
Free tier · No card required · One real workflow
The problem
Somebody always asks why.
BI reports what happened; GRC documents the policy. Neither captures the decision — that's the gap we close.
The examiner asks and you have thirty days
For risk and legal leaders
The board asks and the packet is due Thursday
For the CEO
Your own team asks six months later, mid-repricing, and the person who decided has left
For lending, operations, and finance
The board asks about AI: what we're running, who approved it, and what happened when someone overrode it
See how AI is governed
Same gap behind all four: the decision was made well and recorded nowhere.
The record
Same five stages in every workflow.
Signal, owner, decision, action, outcome — captured at the moment of the call. AI isn't a separate product — it's a property of the record.
Decision record · Credit & Lending
Approve $2.4M CRE renewal
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Signal
Renewal review opened; the original was priced below the pricing matrix.
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Owner
M. Alvarez, Chief Credit Officer — named at the time of the call.
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Decision Rationale
Approve $2.4M at 7.15%, covenant DSCR ≥ 1.25×. Basis: full relationship profitability and guarantor strength.
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Action Evidence
Appraisal, rent roll, and DSCR worksheet attached from systems already in production.
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Outcome
Booked; Q2 covenant test passed (DSCR 1.29×). Feeds the Board & Strategic layer.
Model attribution. Zest AI underwriting model (v3.2) recommended Decline (score 82). The owner overrode to Approve; the basis is recorded on the decision, not lost in a chat log.
Illustrative data. Riverdale Community Credit Union is a fictional institution.
01 · Operate
Where decisions get owned, recorded, and surfaced to leadership.
The Inbox
Your governed queue. Every consequential decision lands here with owner, due date, and workflow.
The Decision Record
The five-stage record, with SLA and overdue callouts pinned to the top. Examiner-ready PDF on demand.
The KPIs
Cross-workflow institutional posture. What the CRO opens at 8am, from portfolio number to the specific at-risk decision.
02 · Improve
Learn from your own record instead of relitigating it.
Three views of the same six-facet Decision Governance Maturity Model.
Maturity
Your composite floor across six facets, L1 to L5 — stated maturity against observed evidence.
Planning
A facet-by-level workbench. Add an initiative and the platform seeds SMART milestones — 125+ pre-built, all editable.
History
Floor movement by quarter. Regression is visible — the record is honest about setbacks.
03 · Govern
The board layer, and the contract every workflow shares.
The Board
A cycle-level dossier of every board and strategic decision resolved in the quarter, citing operational decisions as evidence. Board-ready PDF on close.
The Reference
The semantic contract behind every workflow: metrics, alerts, segments, decision types, states, and personas. Nothing bespoke. Export it as YAML or JSON.
Walk-through
See the queue.
An operator scopes to their team, claims the next owned decision, and opens the record. Due date and workflow already attached — no hunting across systems.
Decision governance watch
Every enforcement action, scored.
We track and score every enforcement action and guidance release from the Fed, FDIC, NCUA, FinCEN, and OCC for decision governance quality — whether the record shows who decided, on what basis, with what authority.
Most close without ever naming a root cause — because the record of why was never there.
62 federal enforcement actions tracked and scored since September 2025 See the trackerPricing
Three tiers. Published prices. No sales call.
Every tier runs the same record and the same five stages. What scales is how many workflows you govern and how many people are in them.
Team
$399/mo
Three workflows, cross-workflow dashboards, ten seats. The shape most institutions land on.
See full pricingBusiness
$1,499/mo
All nine operational workflows plus the Board & Strategic layer. Unlimited seats, custom workflows, SSO add-on.
See full pricingImplementation Services are optional — $250/hr in 10-hour blocks, available to any paid tier.