Gestion du risque de modèle institutions financières sous réglementation fédérale
La carte est le dossier.
La ligne directrice E-23 de l'OSFI entre en vigueur le 1er mai 2027. Dessinez l'inventaire des modèles sur une seule carte, et chaque porte, chaque décision et chaque empreinte reposent sur le dossier en dessous.
- 01Le registreChaque modèle, chaque porte ouverte ou fermée, et pourquoi.
- 02Des règles qui refusentUn passage attend une deuxième personne; les mains qui ont construit un modèle ne peuvent pas l'approuver.
- 03Un dossier vérifiableChaque ligne porte son empreinte, et sha256sum la recalcule.
What E-23 asks an institution to demonstrate
Financial institutions rely on models to make, support and inform important decisions — credit, fraud, AML, capital, pricing, underwriting, forecasting and, increasingly, AI-enabled applications. The challenge is not having models. It is knowing, at an enterprise level:
- What models exist, and where are they being used?
- Which models are material or high risk?
- Who owns each model, who developed it, who independently validated it, and who approved it?
- What are its dependencies and limitations?
- When was it last reviewed, and is it being monitored?
- Has anything materially changed since?
- What evidence exists to demonstrate that the governance process actually happened?
Knowing is not the same as proving. MINERVA is the model governance system of record — a control room for an institution’s models and AI governance — where each answer is one structured record and the evidence is produced from it, not assembled after the question.
Le projet pilote de préparation de 30 jours
Une institution. Son inventaire réel. Le rapport des lacunes et le premier cahier du conseil. Aucune donnée de production.