Assess whether audits can reconstruct who authorized what (1346a6)

Situation

A bank running three models on the same credit file cannot treat a human reviewer who clicked approve in under two seconds as color commentary on agent permissioning that allows external side effects. Model-deprecation manager must close audits can reconstruct who from that extract under AI Governance Layer / Lifecycle and Accountability.

Decision

Model-deprecation manager in a bank running three models on the same credit file must choose Policy or governance breach / Model defect / Dual failure / Hold for the missing fact using agent permissioning that allows external side effects after a human reviewer who clicked approve in under two seconds.

Hypotheses to test

• A human reviewer who clicked approve in under two seconds is noise around an already-controlled Lifecycle and Accountability process in a bank running three models on the same credit file, given agent permissioning that allows external side effects.
• A human reviewer who clicked approve in under two seconds is the event in agent permissioning that allows external side effects that forces Policy or governance breach for model-deprecation manager under AI Governance Layer.
• Agent permissioning that allows external side effects shows a one-file miss after a human reviewer who clicked approve in under two seconds, not a Lifecycle and Accountability program failure.
• Agent permissioning that allows external side effects cannot decide audits can reconstruct who yet after a human reviewer who clicked approve in under two seconds; hold is the only AI Governance Layer close a bank running three models on the same credit file can defend.

Analysis required

• Test whether a human reviewer who clicked approve in under two seconds changed routing, logging, or human-in-the-loop on the live agent path.
• Score whether the agent action in agent permissioning that allows external side effects was in-policy, out-of-policy, or unlogged.
• Confirm the inventory line still matches the running configuration in a bank running three models on the same credit file.
• For this AI Governance Layer Lifecycle and Accountability file, read agent permissioning that allows external side effects against a human reviewer who clicked approve in under two seconds and write the one fact that would move audits can reconstruct who for model-deprecation manager.