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Beyond fragmented data. Built
for governed AI

Basel 3.1 takes effect on 1 January 2027. Our six page brief shows how UK commercial 
banks are fixing the data problem behind IRB, IFRS 9 and AML once, for every model.

Download the brief

One problem hiding behind three programmes

Most banks tackle IRB, IFRS 9 and AML as separate programmes. Different teams, different budgets, the same root cause: credit and KYC data that is hard to trace, explain and evidence. The brief shows what leading banks do differently, with a dedicated view for each leader who owns part of the answer.

How EXL helps

AI EXL brings together data engineering, AI and financial services domain expertise to help commercial banks deploy AI in regulated environments, from credit decisioning and IFRS 9 ECL modelling to dynamic KYC refresh and transaction monitoring.

01
<p><strong>Strengthen the data</strong></p><p>Improve credit and KYC data quality, lineage and control points, with targeted interventions aligned to BCBS 239 and model risk expectations.</p>
02
<p><strong>Operationalise model governance</strong></p><p>Enable auditable feature engineering, model documentation, monitoring and validation evidence for IRB and ECL use cases.</p>
03
<p><strong>Redesign priority workflows</strong></p><p>Apply AI to credit decisioning, loan origination, KYC/AML and transaction monitoring while keeping operations and human oversight in view</p>
04
<p><strong>Connect outcomes to value</strong></p><p>Track operational improvements alongside validation readiness, auditability and the ability to evidence decisions to reviewers.</p>

ONE CHALLENGE<br>THREE LEADERSHIP PRIORITIES

<span style="font-size:30px; line-height:35px">CHIEF INTELLIGENCE OFFICER</span>

<p><strong>Make every model defensible</strong></p><p>How CIOs are getting IRB and IFRS 9 models ready for PRA review with one governance foundation.</p>

<span style="font-size:30px; line-height:35px">TRANSFORMATION DIRECTORS</span>

<p><strong>Deliver outcomes everyone signs off</strong></p><p>How transformation leaders show the board P&amp;L impact while keeping risk and compliance onside.</p>

<span style="font-size:30px; line-height:35px">HEADS OF TECHNOLOGY</span>

<p><strong>One architecture decision</strong></p><p>The targeted data fixes that unblock IRB, IFRS 9 and AML models, without rebuilding the stack.</p>

Your brief is ready

Discover how commercial banks can build a connected foundation for governed AI, strengthen model defensibility, modernise critical data and workflows, and turn regulatory readiness into measurable business value.

 
 
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