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    AI Teammatesfor Change Risk

    Streamline and strengthen your change-driven risk assessments at scale, reducing lead time from weeks to hours
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    Change is happening faster than ever.
    Risk management is falling behind.

    Limited capacity

    Not enough risk experts to manage every change impacting your organisation

    Manual processes

    Manual human reviews cannot scale with the large volume and rapid pace of change

    Static assessments

    Point-in-time risk assessments quickly become outdated in a fast-evolving world

    RISK0 AI Agents operate as an extra risk team for each change

    Phase 1

    Prepare for risk assessment

    1

    Pull context about your change initiative from relevant sources automatically

    RISK0Context Gatherer
    Use case: AI-Powered Fraud Detection & Management
    RISK0
    GitHub
    Confluence
    Slack
    Outlook
    Outlook
    SharePoint
    SharePoint
    Collating information...0%
    2

    Ask targeted contextual questions to close information gaps

    RISK0Change Initiative Reviewer
    R0
    Q1 of 1: Action space of the AI System

    Where in the transaction lifecycle and what role does the AI system play?

    Your answer
    Pre-filled by RISK0

    The AI system operates during the transaction authorisation stage and generates a real-time fraud probability score for each transaction that is passed to a decisioning engine that determines the appropriate action, which may include automatically declining high-risk transactions, triggering step-up authentication, or generating alerts for manual investigation.

    ...

    Review and edit before submitting
    Submit
    3

    Collate all information necessary for the most effective RCSA

    RISK0Change Initiative Information
    Use Case

    AI-Powered Fraud Detection & Management

    Owner

    Head of Fraud Operations

    User

    Internal fraud analysts, direct customer exposure only in high-confidence scenarios...

    Data

    Includes PII, payment and transaction-level signals, device and behavioural telemetry...

    AI

    Ensemble fraud detection framework integrating decisioning engines, gradient boosting classifiers...

    Automation

    Auto-scores and enables decisioning engine to take appropriate actions, lower-confidence alerts remain investigatory...

    ...

    ...

    Use case is ready for risk assessment
    ✓
    Phase 2

    Assess risk holistically

    4

    Identify direct, second-order, and compound risks specific to your org

    RISK0Risk Expert Panel
    Inputs
    Use CaseAI-Powered Fraud Detection & ManagementEnsemble ML · Auto-scoring pipelineHead of Fraud Ops · Internal users
    Org ContextFinancial services · Retail bankingAPRA CPS 230/234 · PCI-DSSRisk appetite: Conservative
    Risk TaxonomyModel · Data · Cyber · ITOps · Third Party · Regulatory · LegalConduct · Financial · Brand · Strategy
    ResearchFraud trend · Regulatory updates · Threat intelligence
    Identified risks

    ✓

    Model Performance Degradation
    Model

    ✓

    Bias & Discriminatory Outcomes
    Model

    ✓

    Model Exploitation / Reverse Engineering
    Model

    ✓

    Data Poisoning
    Data

    ✓

    Sensitive Data Leakage
    Data

    ✓

    Unsafe Automated Actions
    Operational

    ✓

    Third-party API Concentration
    Third-party

    ✓

    System Outage or Dependency Failure
    Third-party

    ✓

    Regulatory Non-compliance
    Regulatory

    ✓

    Inadequate Monitoring & Incident Response
    Regulatory
    + more risks
    5

    Assess and prioritise risks based on impact and likelihood

    RISK0Risk Simulator
    RisksImpact × Likelihood = Risk Score
    Model Performance Degradation
    Bias & Discriminatory Outcomes
    Model Exploitation / Reverse Engineering
    Data Poisoning
    Sensitive Data Leakage
    Unsafe Automated Actions
    Third-party API Concentration
    System Outage or Dependency Failure
    Regulatory Non-compliance
    Inadequate Monitoring & Incident Response
    + more risks
    6

    Assess overall inherent risk of the change initiative holistically

    RISK0Inherent Risk Profile
    Within appetite
    Beyond appetite
    Risk appetite
    ModelDataCyberITOpsThird PartyRegulatoryLegalConductFinancialBrandStrategy
    10 of 12 domains exceed risk appetite
    Controls required
    Phase 3

    Recommend targeted controls

    7

    Search for optimal combination of controls and change initiative design to maximise value and minimise risk and cost

    RISK0Control Simulator
    Within appetite
    Beyond appetite
    Risk appetite
    RiskControl costUse case valueRisk appetite
    0 optimal combinations identified
    8

    Recommend a combination of targeted controls and change initiative design

    RISK0Control Expert Panel
    Continuous Model Monitoring & Drift Detection
    Model
    Ops
    · Model Performance Degradation· Inadequate Monitoring & Incident Response
    Fairness & Bias Testing Protocol
    Conduct
    Legal
    Regulatory
    · Bias & Discriminatory Outcomes· Regulatory Non-compliance
    Automated Decision Explainability Layer
    Conduct
    Regulatory
    Legal
    · Regulatory Non-compliance· Bias & Discriminatory Outcomes
    Real-Time PII Tokenisation & Access Controls
    Data
    Regulatory
    Legal
    · Sensitive Data Leakage· Regulatory Non-compliance
    Human Review Escalation for High-Impact Blocks
    Ops
    Conduct
    Brand
    · Unsafe Automated Actions· Bias & Discriminatory Outcomes
    AI Incident Response & Playbook
    Ops
    Regulatory
    · Inadequate Monitoring & Incident Response· Regulatory Non-compliance
    Training Data Lineage & Quality Gates
    Data
    Model
    · Data Poisoning· Bias & Discriminatory Outcomes
    Adversarial Robustness Testing
    Model
    Cyber
    · Model Exploitation / Reverse Engineering· Data Poisoning
    ML Vendor Security Assessment (APRA CPS 230)
    Third Party
    Cyber
    · Third-party API Concentration· Sensitive Data Leakage
    + more controls
    9

    Review effectiveness of recommended controls via residual risk profile

    RISK0Residual Risk Profile
    Within appetite
    Risk appetite
    ModelDataCyberITOpsThird PartyRegulatoryLegalConductFinancialBrandStrategy
    All 12 domains within risk appetite
    ✓
    Ongoing

    Manage change continuously

    10

    Monitor relevant changes continuously in real time

    RISK0Change Monitor
    New Scams Prevention Framework guidance published
    Regulatory
    Model drift detected - accuracy below threshold
    Model
    New PII tokenisation standard adopted internally
    Data
    Production transaction volume up 35% MoM
    Operational
    New fraud model vendor scoring engine released
    Third-party
    11

    Assess change impact and trigger reassessment as needed

    RISK0Change Impact Assessment
    ChangeRiskImpact / Likelihood
    Model drift detected - accuracy below threshold
    →
    Model Performance Degradation
    Pre
    I:30
    L:15%
    Post
    I:88
    L:80%
    70
    Model drift detected - accuracy below threshold
    →
    Bias & Discriminatory Outcomes
    Pre
    I:28
    L:22%
    Post
    I:85
    L:65%
    55
    New Scams Prevention Framework guidance published
    →
    Regulatory Non-compliance
    Pre
    I:20
    L:5%
    Post
    I:75
    L:50%
    38
    Production transaction volume up 35% MoM
    →
    Inadequate Monitoring & Incident Response
    Pre
    I:20
    L:16%
    Post
    I:35
    L:75%
    26
    New fraud model vendor scoring engine released
    →
    System Outage or Dependency Failure
    Pre
    I:22
    L:12%
    Post
    I:50
    L:38%
    19
    Production transaction volume up 35% MoM
    →
    Unsafe Automated Actions
    Pre
    I:25
    L:10%
    Post
    I:35
    L:35%
    12
    New PII tokenisation standard adopted internally
    →
    Sensitive Data Leakage
    Pre
    I:20
    L:18%
    Post
    I:25
    L:30%
    8
    Material changes detected
    Risk and control reassessment triggered

    ⚠

    12

    Refresh risk and control assessment automatically

    RISK0Risk and Control Reassessment
    Within appetite
    Risk appetite
    ModelDataCyberITOpsThird PartyRegulatoryLegalConductFinancialBrandStrategy
    All 12 domains within risk appetite
    ✓

    What we can achieve together

    Upside unlocked

    Accelerate time to value of your change initiatives by months through faster and safer delivery

    Downside protected

    Avoid potential fines and revenue loss through continuous, adaptive, and targeted risk management

    Cost saved

    Multiply existing capacity without hiring, through workflow automation and more efficient processes

    Ready to manage change
    with confidence?

    Speak with us today
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