The AI feature your team shipped is now in the exam.
Tokto records every prompt your retail, dispute, and model-risk teams run, ready for the line manager, the GC, the OCC, and the CFPB.
Your team wires a new AI assistant into the consumer app this quarter. The line manager asks who validated it, the GC asks about FCRA, the examiner asks how a disputed credit decision was reviewed. No one has a single answer that matches.
- Every AI interaction tied to a customer, an account, a decision, and a model version.
- A single record that the line manager, the GC, and the examiner can read against the same evidence.
- Policy at the prompt: bureau-grade data blocked, account identifiers redacted, unreviewed dispute outcomes stopped before tokens leave the boundary.
- AI used at the speed of the product with the record the bank needs.
- A new tool gets used across two product lines before anyone notices. The GC finds out at exam.
- An analyst pastes bureau-grade consumer data into a public model. FCRA exposure with no consent record.
- A dispute co-pilot ships a consumer-facing outcome with no recorded review. The CFPB asks for the file.
- A product line's AI cost runs over by 10x in a quarter. Nobody can say where it went.
Tokto sits inside every AI conversation in the bank. The consumer chatbot, the dispute-handling co-pilot, the model-risk assistant — all become records at the moment of use. The record carries the customer, the account, the model, and the policy that applied. Practitioners get the speed; the bank gets the trail.
When the line manager asks who used what, when the GC asks about FCRA, when the examiner asks how a decision was reviewed, the answer is one query. The team uses AI; the bank stays inside the disclosure.