How Banks Make AI Auditable: Our Audit Framework for Knowledge-Centric AI Systems

Many banks currently face the same challenge: they want to use AI productively – but without black-box risk, without audit disasters, and in line with the EU AI Act, DORA, NIS2 & more.

In our new whitepaper, we present a pragmatic audit and governance framework for knowledge-centric AI systems, specifically designed for regulated, high-trust environments such as banks and financial institutions.

Core principle: AI may assist – but responsibility, traceability, and control remain with the bank. The framework replaces the “model as authority” with an architecture in which knowledge is explicitly modeled, versioned, and verifiable.

Technically, it is based on a multi-layered, domain-separated knowledge architecture in which, among other things, claims, sources, policies, risks, and sessions are explicitly represented.

This enables:

• Complete provenance paths for critical outputs
• Clear epistemic boundaries (what the system is allowed to know – and what it is not)
• Localizable, correctable errors instead of global retraining
• Clean assignment of responsibility to roles instead of models

For banks, this is particularly relevant because our framework is aligned with the requirements of the EU AI Act (high-risk AI), ISO 27001, SOC2, NIS2, GDPR, and DORA – including ICT risk management, change and traceability management, and operational resilience.

At sol4data, we do not just keep this framework on paper – we implement it in real solutions for banks:

• Building knowledge-centric AI stacks with multi-layered knowledge architectures
• Implementing validation and review workflows (human-/rule-in-the-loop)
• Integrating into existing risk, compliance, and audit structures
• Positioning AI clearly as governed decision-support infrastructure rather than an autonomous decision-maker.

If you are responsible for AI, risk, compliance, or IT architecture in a bank and want to understand what an auditable, regulatorily defensible AI stack could look like in your organization, let’s talk – or send an email to info@sol4data.com, and we will send you the whitepaper. 
Audit Framework for Knowledge-Centric AI Systems