The MQu Journal
Notes on operational accountability
Essays
9 posts
Essay23 Apr 20263 min
Explainability Is Not Proof
AI explainability tools — SHAP, feature importance, local explanations — describe how a model behaved. They do not prove the decision was right at the time.
Essay16 Apr 20263 min
Policy-as-Code Still Doesn't Solve This
Policy-as-code engines evaluate decisions consistently. They do not preserve them. The case for capturing each decision at execution rather than asking the engine to reconstruct it later.
Essay9 Apr 20264 min
The Problem Isn't Policy. It's Proof.
Tier-one banks do not lack AI policy. They lack the ability to prove a single decision when an FCA letter arrives eight months later. Governance is tested one decision at a time.
Essay2 Apr 20263 min
What a Decision Looks Like When You Can Actually Prove It
A core banking platform reconstructs decisions after the fact. Here is what one looks like when the reconstruction is not needed — captured at execution as a single, signed artefact.
Essay25 Mar 20263 min
From Archaeology to Proof
Logs tell you what happened. They cannot prove why. The case for treating decisions themselves as the artefact — captured at execution rather than reconstructed later from fragments.
