Family C · Managing risk and compliance
MeshFin Assure
Operational risk, resilience and controls
Incidents captured and assessed against tolerances with the notification drafted; controls tested from system evidence rather than attestations; critical operations mapped to the systems, people and third parties that run them; and audit and regulator findings tracked to closure.
MeshFin Assure (MF-20), the service for operational risk, resilience and controls, is one of the twenty-four MeshFin services, in the "Managing risk and compliance" family, which follows the BIAN Risk and Compliance business area. It covers the BIAN service domains Operational Risk Models, Internal Audit, Continuity Planning, Security Assurance, Enterprise Architecture and Operations Log in whole or in part. Incidents captured and assessed against tolerances with the notification drafted; controls tested from system evidence rather than attestations; critical operations mapped to the systems, people and third parties that run them; and audit and regulator findings tracked to closure. It replaces grc platform, control testing spreadsheets, continuity plans in documents and findings tracked by email. AI agents carry the work end to end; a named person takes every decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. It is core for a universal and retail bank, core for a mutual and community bank, core for a non-bank lender and fintech.
BIAN service domains this service covers
In the BIAN Risk and Compliance business area of the Service Landscape 14.0, in whole or in part. Lay this over your own BIAN map to see what MeshFin Assure covers and what stays. BIAN has not reviewed or endorsed MeshFin.
- Operational Risk Models
- Internal Audit
- Continuity Planning
- Security Assurance
- Enterprise Architecture
- Operations Log
What it replaces
- GRC platform
- Control testing spreadsheets
- Continuity plans in documents
- Findings tracked by email
What it reacts to
- Incident reported
- Control test due
- Change proposed
- Critical operation breaches a tolerance
- Third party reports an incident
- Audit or regulator finding raised
The agents that carry it
Incident agent
Captures, classifies and assesses incidents against the tolerances, and drafts the regulator notification with the clock running.
Controls agent
Tests controls on the schedule from system evidence, not attestations, and reports every failure with the evidence.
Resilience agent
Maps critical operations to the systems, people and third parties that run them, tests tolerances and keeps the plans current.
Findings agent
Tracks audit and regulator findings to closure and accepts no closure without evidence.
Where a person decides
No decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation is taken by an agent alone. In MeshFin Assure, these decisions are held for a named person, with the agent's evidence and recommendation attached.
| Decision | Who decides | Why a person |
|---|---|---|
| Classifying an incident as reportable | Accountable executive | Statutory |
| Accepting a risk outside appetite | Risk committee delegate | Board-set appetite |
| Closing a finding | Owner and second line | Segregation of duties |
Records it writes
Incident record · Control test evidence · Resilience map · Findings register
Before MeshFin: the baseline this service is measured against
Illustrative figures for a mid-sized institution on the systems the service replaces. Sample data, not a customer's. A live service reports what its agents are doing instead.
Controls in the register
2,300
Tested from system evidence
28%
today; the rest by attestation
Findings overdue
41
today
Resilience map current
annually
refreshed in a project
Institutions: core for a universal and retail bank, core for a mutual and community bank, core for a non-bank lender and fintech. Universal and retail bank ● · Mutual and community bank ● · Non-bank lender and fintech ●.
Questions banks ask about MeshFin Assure
- What does MeshFin Assure do?
- MeshFin Assure is the MeshFin service for operational risk, resilience and controls. Incidents captured and assessed against tolerances with the notification drafted; controls tested from system evidence rather than attestations; critical operations mapped to the systems, people and third parties that run them; and audit and regulator findings tracked to closure. It reacts to events such as incident reported, control test due and change proposed, and writes incident record, control test evidence, resilience map and findings register as records.
- Which BIAN service domains does MeshFin Assure cover?
- Operational Risk Models, Internal Audit, Continuity Planning, Security Assurance, Enterprise Architecture and Operations Log, in the BIAN Risk and Compliance business area, in whole or in part. The mapping is to the published BIAN Service Landscape; BIAN has not reviewed or endorsed MeshFin.
- What systems does MeshFin Assure replace?
- GRC platform, Control testing spreadsheets, Continuity plans in documents and Findings tracked by email. Because the service runs on the MeshFin platform, the licence, integration and upgrade costs of those systems retire with them.
- What do the AI agents do in operational risk, resilience and controls?
- The incident agent captures, classifies and assesses incidents against the tolerances, and drafts the regulator notification with the clock running. The controls agent tests controls on the schedule from system evidence, not attestations, and reports every failure with the evidence. The resilience agent maps critical operations to the systems, people and third parties that run them, tests tolerances and keeps the plans current. The findings agent tracks audit and regulator findings to closure and accepts no closure without evidence.
- Which decisions does a person still take?
- Agents never take a decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. In MeshFin Assure, a person decides classifying an incident as reportable (accountable executive), accepting a risk outside appetite (risk committee delegate) and closing a finding (owner and second line). The record shows who decided, why, on what evidence and under which delegation.