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Ten Decision Governance Workflows. Nine operational, one apex.

Each workflow governs a class of consequential decisions. Operational workflows produce the structured evidence the apex workflow inherits. Start with the one whose roles are loudest at your institution.

01 Regulatory compliance Owned, time-bound resolution of every compliance exception, finding, and regulatory obligation. Chief Compliance Officer · Compliance Manager · Internal Audit View detail → 02 BSA & fraud Governed disposition of every BSA alert, SAR decision, and fraud case with named owner and rationale. BSA Officer · Fraud Manager · Compliance Manager View detail → 03 Credit & lending Auditable rationale on every credit decision, override, and exception across consumer, commercial, and indirect. Chief Credit Officer · Credit Analyst · VP Lending View detail → 04 Asset & liability / treasury Every ALM, liquidity, and investment decision tied to policy, limits, and outcome. Treasurer · ALCO Chair · CFO View detail → 05 Vendor & third-party risk Every vendor onboarding, renewal, and exception decision with evidence, owner, and review cadence. Third-Party Risk Lead · Vendor Manager · Chief Risk Officer View detail → 06 Model risk & AI governance Every model decision — deploy, override, retire — governed against SR 11-7 and emerging AI expectations. Model Risk Officer · Validation Lead · AI Governance Lead View detail → 07 Member / customer risk & opportunity Every CIP, complaint, member-risk, and opportunity signal owned and acted on. Chief Risk Officer · VP Member Risk · CRA Officer View detail → 08 Product performance Every product launch, repricing, and sunset decision governed against thesis and measured outcome. Chief Product Officer · Product Manager · VP Strategy View detail → 09 Digital transformation Every technology, channel, and platform decision tied to owner, business case, and post-implementation review. CIO · VP Digital Transformation · Program Manager View detail → 10 Strategic & board decisions Apex Every board-level decision — capital, M&A, strategic plan, risk appetite, succession — recorded with rationale, supporting evidence drawn from workflows 1–9, and outcome tracking through the next strategic cycle. CEO · CFO / CRO / CCO · Board & Committee Chairs View detail →

The shared anatomy

Every workflow follows the same five-step structure: Signal → Owner → Decision → Action → Outcome. The signal kicks the workflow open. The owner takes responsibility on the record. The decision is captured with rationale and supporting evidence. The action is executed. The outcome closes the loop.

Across all ten workflows, the shared anatomy means a CRO, examiner, or auditor reads the same record format regardless of the domain.

The apex tier

Workflow 10 — Strategic & Board Decisions — is the apex tier. Board-level decisions inherit operational evidence from workflows 01–09 automatically. Capital, M&A, strategic plan, risk appetite, and succession decisions tie back to the operational record beneath them.

The apex workflow is unlocked with the Enterprise tier only.