Family D · Running the organisation
MeshFin People
People, accountability and conduct
The accountability map and statements kept current under the accountability regime; access and delegations provisioned from the role and the instrument and removed on change; conduct events assessed against the policy; and training due before it is overdue.
MeshFin People (MF-23), the service for people, accountability and conduct, is one of the twenty-four MeshFin services, in the "Running the organisation" family, which follows the BIAN Business Support business area. It covers the BIAN service domains Employee Data Management, Recruitment, Employee Payroll And Incentives, Corporate Policies and Legal Compliance in whole or in part. The accountability map and statements kept current under the accountability regime; access and delegations provisioned from the role and the instrument and removed on change; conduct events assessed against the policy; and training due before it is overdue. It replaces hr system add-ons, accountability map in a spreadsheet, conduct register and access reviews 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, common for a non-bank lender and fintech.
BIAN service domains this service covers
In the BIAN Business Support business area of the Service Landscape 14.0, in whole or in part. Lay this over your own BIAN map to see what MeshFin People covers and what stays. BIAN has not reviewed or endorsed MeshFin.
- Employee Data Management
- Recruitment
- Employee Payroll And Incentives
- Corporate Policies
- Legal Compliance
What it replaces
- HR system add-ons
- Accountability map in a spreadsheet
- Conduct register
- Access reviews by email
What it reacts to
- Hire or role change
- Delegation changes
- Accountability statement due
- Conduct event reported
- Training falls due
- Departure
The agents that carry it
Accountability agent
Keeps the accountability map and statements current under the regime that applies and flags any gap or overlap.
Access and delegation agent
Provisions access from the role and the delegation instrument, removes it on change and logs every attempt against it.
Conduct agent
Assesses conduct events against the policy, drafts the consequence options and tracks the outcome.
Training agent
Schedules and tracks mandatory training and raises anyone overdue to their manager.
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 People, these decisions are held for a named person, with the agent's evidence and recommendation attached.
| Decision | Who decides | Why a person |
|---|---|---|
| Appointment to an accountable role | Board or chief executive | Statutory regime |
| Consequence for a conduct breach | Delegated manager with human resources | Legal effect on a person |
| Delegation above a threshold | Accountable executive | Commits the institution |
Records it writes
Accountability map · Delegation instrument · Conduct file · Access log
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.
Accountable persons
38
under the regime
Statements current
partial
updated at the annual review
Access removed on departure
7 days
median today
Training overdue
11%
of staff today
Institutions: core for a universal and retail bank, core for a mutual and community bank, common 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 People
- What does MeshFin People do?
- MeshFin People is the MeshFin service for people, accountability and conduct. The accountability map and statements kept current under the accountability regime; access and delegations provisioned from the role and the instrument and removed on change; conduct events assessed against the policy; and training due before it is overdue. It reacts to events such as hire or role change, delegation changes and accountability statement due, and writes accountability map, delegation instrument, conduct file and access log as records.
- Which BIAN service domains does MeshFin People cover?
- Employee Data Management, Recruitment, Employee Payroll And Incentives, Corporate Policies and Legal Compliance, in the BIAN Business Support 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 People replace?
- HR system add-ons, Accountability map in a spreadsheet, Conduct register and Access reviews 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 people, accountability and conduct?
- The accountability agent keeps the accountability map and statements current under the regime that applies and flags any gap or overlap. The access and delegation agent provisions access from the role and the delegation instrument, removes it on change and logs every attempt against it. The conduct agent assesses conduct events against the policy, drafts the consequence options and tracks the outcome. The training agent schedules and tracks mandatory training and raises anyone overdue to their manager.
- 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 People, a person decides appointment to an accountable role (board or chief executive), consequence for a conduct breach (delegated manager with human resources) and delegation above a threshold (accountable executive). The record shows who decided, why, on what evidence and under which delegation.