AI audit trail
Every action · every scenario · every number
Every screen view, scenario run, staged action, chatbot query and model inference captured with user, timestamp, inputs and outputs. Immutable through hash-chained records; exportable; reproducible 18 months after the fact.
Events today
14,218
+8.4% vs 7-day avg
Decisions logged (90d)
12,842
all reproducible
Scenarios run
1,247
this quarter
Hash-chain integrity
✓ verified
last check 14:21 OST
Event stream
— events
| Time (OST) | Type | Event | User | Proto | Audit hash |
|---|
Model register · activity
Inferences last 24h
| Model | Version | Calls | Avg latency | Approval |
|---|---|---|---|---|
| SCORE-behavioural | v4.2.1 | 8,420 | 142ms | prod |
| AFFORD-observed | v3.0.2 | 4,180 | 98ms | pilot |
| ELAST | v3.2.0 | 2,840 | 184ms | pilot |
| TRIG | v2.1.0 | 14,420 | 221ms | pilot |
| ECL-engine | v4.1.0 | 6,120 | 410ms | prod |
| POLICY-rules | v2.14 | 12,840 | 24ms | prod |
Access & role switches
Last 24h · for audit
| Time | User | From → To | Reason |
|---|---|---|---|
| 14:08 | Shaikha Al Lawati | Credit officer → Treasury view | Scenario comparison |
| 13:42 | Khalid Al Rawahi | Chief Credit · unmask customer | Case review C100203 |
| 11:18 | Ganesh T | Deputy CEO · what-if write | Pricing committee prep |
| 09:51 | Huda Al Maskari | Audit · export full day | Monthly reconciliation |
| 08:30 | System | Daily hash-chain verification | Scheduled job · passed |
Decision reconstruction
Selected: AUD-2026-0812-14218
Case C100203 · Hamood Al Shukaili · personal loan OMR 7,500
| Decision at origination | DECLINE · counter-offer OMR 2,500 |
| Dataset snapshot | v2026.08.12-0608 (frozen) |
| SCORE model version | v4.2.1 |
| AFFORD model version | v3.0.2 |
| POLICY version | v2.14 |
| Parameter set hash | 0x6a71e8 |
| Credit officer | Shaikha Al Lawati |
| Timestamp | 2026-08-12 14:21:08 OST |
| Audit hash | a9f3e2c4b8d1 |
| Previous hash | 7c3f91a0e2b4 |
Re-run · fresh execution
With the snapshot above
> load_snapshot v2026.08.12-0608
✓ 250,000 customers, 36m aggregates
> load_models SCORE-v4.2.1 AFFORD-v3.0.2 POLICY-v2.14
✓ 3 models loaded
> reconstruct application APP-C100203-20260812
✓ 47 features computed
> evaluate policy gates
G1 pass · G2 pass · G3 pass · G4 pass · G5 pass · G6 pass · G7 FAIL
> compute affordability (declared / verified / observed)
declared 22.8% · verified 22.8% · observed DECLINE 7,500 · APPROVE 2,500
> compare to original decision
✓ IDENTICAL — audit hash matches
✓ 250,000 customers, 36m aggregates
> load_models SCORE-v4.2.1 AFFORD-v3.0.2 POLICY-v2.14
✓ 3 models loaded
> reconstruct application APP-C100203-20260812
✓ 47 features computed
> evaluate policy gates
G1 pass · G2 pass · G3 pass · G4 pass · G5 pass · G6 pass · G7 FAIL
> compute affordability (declared / verified / observed)
declared 22.8% · verified 22.8% · observed DECLINE 7,500 · APPROVE 2,500
> compare to original decision
✓ IDENTICAL — audit hash matches
Decision reproducible exactly 18 months later. The audit hash is created at origination and chained to the previous event — tampering with any record breaks the chain.
Policy change register
Live rule set + staged changes
| Change ID | Rule | Author | Status |
|---|---|---|---|
| PC-2026-073 | Retire dormant promo rule | Pricing | Deployed 08-14 |
| PC-2026-072 | Tiered Mala'a req. by amount | Risk | Legal review |
| PC-2026-071 | DBR housing to 65% | CCO | CCO sign-off |
| PC-2026-068 | Add vulnerability G7 gate | Risk | Deployed 07-22 |
| PC-2026-064 | DBR observed-method pilot | CCO | Deployed 07-01 |
Human-in-the-loop · overrides
Last 7 days
| Case | Direction | Authority | Reason |
|---|---|---|---|
| C100203 | DECLINE → DECLINE (confirmed) | Credit officer | Conduct suppression upheld |
| C100411 | REFER → APPROVE condition | Senior credit mgr | Joint affordability verified |
| C100702 | APPROVE → APPROVE lower amount | Branch mgr | Customer requested smaller |
| C100820 | DECLINE → APPROVE | Chief Credit | Motor-insurer evidence overrides thin file |
| C100611 | REFER → DECLINE | Credit officer | Income volatility conservative |
Data residency & retention
Deployment
| Primary | On-premise · Muscat DC |
| DR | On-premise · Sohar DC |
| External model calls | None in demo config |
| Chatbot model | Local inference |
Retention
| Decisions | 7 years active · 10y cold |
| Scenarios | 2 years |
| Chatbot queries | 1 year |
| Model inferences | 7 years |
| Access logs | 7 years |
Field-level masking
| Civil number | masked · unmask logged |
| Mobile | masked · unmask logged |
| IBAN | masked |
| Address · exact | area only in UI |
| Current unmask count | 14 today |