BankFlowAI IS EVERYWHERE
YOUR GOVERNANCE
ISN'T
Community banks use AI in 10-15 critical vendor systems-fraud detection, credit scoring, loan origination. But most lack the governance frameworks examiners expect under SR 11-7 and OCC 2013-29.
BankFlow delivers examiner-ready AI governance in 90 days.
Our Mission
To empower community banks to safely harness the power of AI while meeting the highest standards of regulatory compliance and governance.
We believe that effective governance isn't just about checking boxes—it's about building a foundation of trust that allows innovation to flourish securely.
Integrity First
We prioritize transparency and ethical standards in every engagement, ensuring your bank's reputation remains unblemished.
Practical Expertise
We deliver actionable, examiner-ready solutions—not theoretical advice—grounded in deep banking industry experience.
Community Focus
We are dedicated to the success of community banks, understanding their unique role as pillars of local economies.
You Didn't Choose AI-
Your Vendors Did
AI is embedded in the vendor systems community banks use every day. Most banks don't realize how much AI they're using until examiners ask about it.
Fraud Detection
Machine learning models analyze transaction patterns to flag suspicious activity in real-time.
Credit Scoring
AI-powered underwriting systems assess borrower risk and recommend credit decisions.
Loan Origination
Automated document processing and decisioning engines streamline loan applications.
What Examiners Expect
Federal regulators have issued specific requirements for AI governance. Community banks must demonstrate compliance.
SR 11-7
Federal Reserve
Model Risk Management guidance requiring governance, validation, and ongoing monitoring of AI models.
OCC 2013-29
OCC Bulletin
Third-Party Risk Management requiring due diligence, contracts, and continuous monitoring of vendors.
NIST AI RMF
Treasury-Recommended
AI Risk Management Framework addressing trustworthiness, bias, and explainability (Dec 2024).
Examiner-Ready in 90 Days
Our four-phase program delivers comprehensive AI governance documentation aligned with Federal Reserve and OCC requirements.
Discovery
We inventory all AI systems and vendor relationships to establish your risk baseline.
Due Diligence
We collect and validate vendor documentation against SR 11-7 requirements.
Policy
We develop board-approved AI governance policies and risk management frameworks.
Monitoring
We establish ongoing monitoring protocols to ensure continued compliance.
Implementation Roadmap
A structured 12-week timeline to take your bank from zero to examiner-ready.
Kickoff & Discovery
- • Stakeholder interviews
- • AI inventory creation
- • Vendor list consolidation
- • Risk tiering assessment
Vendor Due Diligence
- • Document collection
- • Model validation review
- • Gap analysis
- • Vendor risk scoring
Policy Development
- • AI Governance Policy drafting
- • Risk Management Framework
- • Acceptable Use Policy
- • Roles & Responsibilities matrix
Documentation & Training
- • Compliance documentation
- • Staff training sessions
- • Process workflows
- • Incident response planning
Board Presentation
- • Board deck preparation
- • Executive summary
- • Policy approval session
- • Strategic alignment review
Implementation & Handoff
- • Final compliance package
- • Monitoring dashboard setup
- • 12-month roadmap
- • Project closeout
Program Outcomes
Tangible results that satisfy examiners and protect your bank.
Regulatory Alignment
Every deliverable mapped to SR 11-7, OCC 2013-29, and NIST AI RMF requirements
Vendor Assessments
Comprehensive due diligence on your critical AI vendor systems
Months of Monitoring
Detailed roadmap for ongoing oversight and compliance maintenance
Built on Federal Reserve
and OCC Guidance
Our methodology integrates three regulatory frameworks to ensure comprehensive compliance.
SR 11-7
Federal Reserve (2011)
Model Risk Management guidance requiring governance, validation, and ongoing monitoring.
OCC 2013-29
OCC Bulletin (2013)
Third-Party Risk Management requiring due diligence and continuous monitoring.
NIST AI RMF
Treasury-Recommended (2024)
AI-specific framework addressing trustworthiness, bias, and explainability.
U.S. Treasury Department recommends financial regulators clarify how NIST AI RMF fits within prudential risk-management expectations (December 2024)
Meet the Team
Experienced professionals with deep expertise in banking regulations and AI governance.
RJ
Co-Founder & CEO
Banking and regulatory experience with focus on AI governance frameworks for community banks.
LinkedIn
Jason Smith
Co-Founder
Former McKinsey Associate Partner with 8+ years experience delivering $10M+ banking technology transformations and large-scale AI systems.
LinkedIn
Rose Beverly
Co-Founder & Chief AI Strategist
AI ethics and governance specialist with expertise in NIST AI RMF and responsible AI implementation.
LinkedIn
John Sokol
Data Scientist & AI Advisor
5+ years data science experience with expertise in AI model validation and performance monitoring.
LinkedInComprehensive 90-Day Program
From discovery to examiner-ready governance in 12 weeks. Fixed-fee engagement with transparent deliverables.
What's Included
- •Complete AI system inventory
- •Vendor due diligence (10-15 vendors)
- •Board-approved AI governance policy
- •Risk management framework
- •Staff training and documentation
- •Ongoing monitoring dashboard
- •Examiner presentation deck
- •12-month compliance roadmap
Is This Program Right for Your Bank?
We specialize in helping community banks that rely on third-party vendors for their AI capabilities.
Perfect Fit
- ✓Community banks under $10B in assets
- ✓Using AI through vendors (fraud, credit, etc.)
- ✓Facing questions from board or examiners
- ✓Need compliance without hiring full-time staff
Who we work with:
CEOs, CROs, COOs, and Compliance Officers
Probably Not a Fit
- ×Banks over $10B in assets
- ×Building custom AI models in-house
- ×Already have dedicated model risk teams
- ×Looking for legal advice only
Why not?
Larger banks typically have existing governance teams that handle these requirements internally.
See If You Qualify
Schedule a brief discovery call to review your current vendor landscape and determine if our 90-day program is a fit.
Try Our AI Governance Assistant
Get instant answers about AI regulations, compliance requirements, and governance best practices. Free to use, no signup required.
For informational purposes only. Not a substitute for professional legal or regulatory advice.
How the Assistant Stays Current
Regulatory Monitoring
Tracks Federal Reserve, OCC, FDIC, and CFPB guidance on AI and model risk management.
Industry Updates
Monitors Treasury Department reports, NIST frameworks, and banking industry developments.
Expert Curation
Maintained by BankFlow team with ongoing updates as regulations evolve.
Last updated: November 2024
Ready to Get
Examiner-Ready?
Schedule a no-obligation discovery call to discuss your AI governance needs.
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