Compliant with Local Controls, Collectively Discriminatory. A Governance Architecture for Multi-Agent AI in Regulated Finance
Financial institutions are beginning to deploy agentic workflows in credit, fraud, collections, compliance, and operational control. Governance remains largely component-centric: each model or agent is specified, tested, authorized, and monitored locally. That is insufficient when institutional risk arises from the joint behavior of many locally acceptable components. We call this gap constitutional non-compositionality: local compliance checks need not compose into acceptable collective outcomes such as bounded disparate impact, market integrity, or traceable accountability. We propose ARIA as a finance-specific reference architecture and falsifiable research agenda for agent-population ...
| Authors | Jose Manuel de la Chica Rodriguez, Juan Manuel Vera Diaz, Pablo Delgado Romero |
|---|---|
| Primary category | cs.MA |
| Published | 23 September 2026 |
| Last updated at source | 23 September 2026 |
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