Decision inputs
Facts that change the policy answer
Within finance and procurement, this request uses identity, financial and transaction information to produce a credit recommendation or decision. Both belong in the submission before any policy route is trusted.
- 1Task and owner
- Credit operations manager wants to recommend whether a customer receives credit. Name who owns the finished a credit recommendation or decision; ownership should not disappear because AI helped produce it.
- 2Information involved
- Identity, financial and transaction information. Look beyond pasted text: files, integrations and retrieval connections can expose the same material.
- 3Tool and account
- An approved company account. A personal login can handle information differently from the company-managed version of the same tool.
- 4Intended result
- The expected result is a credit recommendation or decision. Its destination matters: private working material creates a different consequence from a sent, published or automated result.
- 5Consequence if it is wrong
- The output can materially affect access to finance and may rely on unfair or unexplained factors. Use this consequence to distinguish a routine request from one needing specialist approval.
- 6Human review
- authorised credit and compliance owners should inspect, change, reject or stop the result. Make the review happen before reliance and give the reviewer a real way to stop the work.
Possible policy routes
The task name alone cannot decide it.
A published workplace policy can return different answers for the same task. These are the practical branches worth encoding.
A routine policy route may be possible
A routine route is easier to justify when the exact account is approved, only the minimum sensitive financial and personal information is used, a credit recommendation or decision remains within the stated purpose, and authorised credit and compliance owners reviews it before use.
Approval may be required
The request moves beyond routine handling when the account or data handling is uncertain, the output can materially affect access to finance and may rely on unfair or unexplained factors, or a credit recommendation or decision reaches people or systems beyond the requester’s authority.
The request may need to stop or change
The policy may require another method where restricted information would enter an unapproved service, the output would act before authorised credit and compliance owners can intervene, or do not allow an unreviewed model to make the final decision and provide required explanation and challenge routes cannot be maintained. Consider less information, a controlled account or a non-AI process.
Request checklist
Questions to ask before using the tool
- 01
Does the selected account retain or reuse anything supplied while trying to recommend whether a customer receives credit?
- 02
Could identity, financial and transaction information be reduced to a short de-identified extract?
- 03
Does a credit recommendation or decision create an external statement, a decision or an automated action?
- 04
Can authorised credit and compliance owners inspect the complete result and its source before reliance?
- 05
Does the intended use extend beyond the region and audience covered by the current policy?
Worked request
What the employee should submit
This example supplies decision facts without pasting the underlying material into the approval record.
- requester
- credit operations manager
- task
- Use AI to recommend whether a customer receives credit.
- information
- identity, financial and transaction information
- tool
- An approved company account
- frequency
- Recurring work
- region
- Where the work and affected people are located
- purpose
- Analyse
- impact
- Essential service decision
- review
- Complete human review
- owner
- authorised credit and compliance owners
Useful safeguards
Controls that fit this request
- ✓
Do not allow an unreviewed model to make the final decision and provide required explanation and challenge routes
- ✓
Document why each part of identity, financial and transaction information is necessary before making it available to the tool.
- ✓
Keep the use within analyse and run another check if the audience, tool or intended effect changes.
- ✓
Keep the submitted facts, authorised credit and compliance owners’s decision and the exact published policy version.
Questions people ask
About this AI use
Is using AI to recommend whether a customer receives credit automatically allowed?
The task name cannot settle the answer. Apply the company’s published rules to identity, financial and transaction information, the exact account, a credit recommendation or decision, its audience and the proposed review.
What belongs in the employee’s request?
Describe a credit recommendation or decision, identify identity, financial and transaction information, name the exact tool and account, explain who will receive or rely on the output, and state how authorised credit and compliance owners will review it.
What should remain after the decision?
Keep the submitted facts, authorised credit and compliance owners’s decision and the exact published policy version. A classification and controlled reference may be enough when copying identity, financial and transaction information would create unnecessary risk.