José Manuel de la Chica Rodríguez

Compliant with Local Controls, Collectively Discriminatory. A Governance Architecture for Multi-Agent AI in Regulated Finance

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 is specified, tested, authorized, and monitored locally. That is insufficient when institutional risk arises from the joi...