The paper "Governing at Machine Speed: An Adaptive Intelligence Architecture for Real-Time AI Policy Enforcement" highlights a gap in enterprise AI governance, where 78% of organizations lack auditable evidence of policy enforcement. It introduces AGIL, a five-layer adaptive governance architecture that uses machine learning for real-time detection, risk classification, sub-100ms policy enforcement, continuous attestation, and policy evolution. The authors argue that the failure is organizational and architectural, not technical, and call for future empirical validation of AGIL.
By Sandeep Bokkasam, B. Durgalakshmi
The paper discusses how financial institutions are increasingly using AI agents in areas such as credit, fraud, and compliance, yet current governance focuses only on individual components. It introduces ARIA, a finance‑specific reference architecture that adds six capabilities—policy specification, population‑level monitoring, bounded authority, runtime containment, adaptive policy change, and preserved human oversight—to address the gap of constitutional non‑compositionality. Two simulations demonstrate how local controls can miss collective bias and how observed‑versus‑expected monitoring can provide earlier warnings of drift.
By Jose Manuel de la Chica Rodriguez, Juan Manuel Vera Diaz, Pablo Delgado Romero
The paper introduces DP‑BR‑FedAvg, a federated learning framework that combines Gaussian‑mechanism differential privacy with a coordinate‑wise trimmed‑mean Byzantine‑robust aggregation rule. It is evaluated on a simulated cross‑institutional classification task involving fraud and clinical‑risk scoring, where it improves the F1‑score for a minority class from 0.030 (plain FedAvg) to 0.119 while bounding privacy loss. The study demonstrates that privacy and robustness mechanisms interact, and that system design for regulated, adversarial, cross‑institutional settings must account for this interaction.
By Srikumar Nayak
The paper proposes extending the FAIR principles with an observability layer—FAIR-O—to enhance trust in federated learning. It argues that merely keeping data local is insufficient for trustworthiness, and introduces a framework where each participant generates signed, minimal trust evidence for every FL round, while raw data and logs stay local. A prototype demonstrates evidence generation and a three‑level trust model, and the authors outline how this evidence could inform participant selection and aggregation in future work.
By Hangli Ge, Noboru Koshizuka
Financial institutions are beginning to deploy agentic workflows in credit, fraud, collections, compliance, and operational control. Governance remains largely component-centric: each model or agent i...
The paper introduces DP‑BR‑FedAvg, a federated learning framework that combines Gaussian‑mechanism differential privacy with a coordinate‑wise trimmed‑mean Byzantine‑robust aggregation rule. It is evaluated on a simulated cross‑institutional classification task for fraud and clinical‑risk scoring, showing that plain FedAvg fails when a quarter of twenty clients are Byzantine, while DP‑BR‑FedAvg recovers more signal and bounds privacy loss. The study demonstrates that privacy and robustness interact, and system design for regulated, adversarial, cross‑institutional settings must account for this interaction.