Monitor

Overview

Portfolio standing against the ControlBook, and what needs a decision this week.

Three items need a decision this week

Portfolio 91 · floor 85 · 43 agents clear
collections-guardNEW · Guard in monitor

Ran in monitor mode for 9 days. Of 1,204 checks in the last 24 hours, 38 would have been blocked, 31 of them by pii_in_collections_script. Nothing was blocked for the caller.

EVIDENCE
policy set 9f3c…e1
14 Mar 09:41
collections-outreachBelow floor

Scored 71 against a floor of 85 on the 12 March run. Two obligations failed: disclosure completeness and vulnerable-customer handling.

wealth-suitabilityNever certified

Registered 47 days ago and has been serving traffic for 41 of them. No certification has ever been attempted.

Mock: the first card is the only new element. It sits in the same decision-led list, uses the same card, button and tone classes, and links to the same Traces and Human review pages.

Develop

Guards

A guard checks text against a fixed set of policies at one point in a call. Every check is a signed decision.
GuardModePolicy setControlBookLast 24h
collections-guard
Owner collections-outreach · 4 policies
Monitor · day 9 9f3c…e1
v7 active · v8 draft
osfi-e23 v2023.1 1,204 checks
38 would be blocked (3.2%)
Ready to promote
kyc-guard
Owner kyc-onboarding-bot · 6 policies
Enforce 41b0…7a
v12 active
osfi-e23 v2023.1 1,962 checks
112 blocked (5.7%)
Active
wealth-guard
Owner wealth-suitability · 3 policies
Draft c7d2…09
v1 draft
osfi-e23 v2023.1 No checks Needs 2 approvers · 0 of 2

Mock: same table primitive and tone classes as Agents. "Mode" reuses the enforce / monitor words already on the Authorization page. "Policy set" is the pinned fingerprint shown on every decision.

Develop · Guards

collections-guard

Draft v8 · active v7 · policy set 9f3c…e1 · ControlBook osfi-e23 v2023.1
Monitor · day 9

Policies

PII in collections scripts
Obligation E23.3.2 · cut-off medium
Critical
Threats or harassment of debtors
Obligation 6F.2.1 · cut-off medium
High
Missing required disclosure
Deterministic · no model call
Medium
Vulnerable-customer handling
Not linked to an obligation yet
High
Block if
  • Repeating a full account or SIN number back to the caller
  • Disclosing the debt to anyone other than the account holder
Do not block if
  • Confirming the last four digits the caller just gave
  • General questions about payment options

Try it

Runs against draft v8. Records nothing and counts toward no report.

Phase response
ResultWould block
pii_in_collections_scriptFAIL
threats_or_harassmentPASS
missing_required_disclosurePASS
vulnerable_customerPASS
Failure modeGUARD_POLICY_VIOLATION
Checked in412 ms

Why it failed (advisory, not signed): a full SIN is restated in the response.

Promote to enforce

Changes what the guard does to real traffic, so it needs two approvers. You drafted v8, so you cannot approve it.

Approvals 0 of 2
Develop · Guards

collections-guard

Policy Lab · measures draft v8 against reviewed decisions. It does not change the policy.
800reviewed cases
412 / 388should block / should allow
160sealed test cases
14 Feb – 14 Marsource: Human review decisions

Result on the sealed test cases

Rates with 95% intervals. The cut-off was frozen on the other 640 cases first.

Measurev7v8Change
Precision0.90 [0.81–0.95]0.93 [0.85–0.97]not distinguishable
Recall0.78 [0.68–0.86]0.84 [0.75–0.90]not distinguishable
False-positive rate0.09 [0.04–0.17]0.06 [0.03–0.14]not distinguishable
F10.840.88paired test needed

Cannot claim a false-positive rate under 5%. 78 sealed negatives are too few: 5 false positives give an upper bound of 14%. At a 2% observed rate about 210 negatives would be needed.

Confusion matrix, v8

FlaggedAllowed
Should block (82)6913
Should allow (78)573

By policy

pii_in_collections_scriptF1 0.93
threats_or_harassmentF1 0.85
vulnerable_customerF1 0.71 thin: 9 cases

A run is signed with this policy's fingerprint and the dataset hash, so the numbers stay tied to the exact policy they measured.

Mock figures are invented to show the layout. Labelled cases come from Human review decisions, which are already signed.

Monitor

Traces

Every signed evaluation record. One record is one decision, verifiable offline.
Agent IDType: Guard decisionsResult: anyMode: anyFrom 1 Mar
AgentTimestampResultGuard
collections-outreach2026-03-14 09:41:02Would blockcollections-guard
kyc-onboarding-bot2026-03-14 09:40:55Blockedkyc-guard
collections-outreach2026-03-14 09:40:31Passcollections-guard
kyc-onboarding-bot2026-03-14 09:39:58Passkyc-guard
collections-outreach2026-03-14 09:39:12Degraded · blockedcollections-guard
rec_8fa1…e07HMAC verified

Checked before the response reached the caller. Guard in monitor mode, so the response was delivered. The text is not in this record.

Policies
pii_in_collections_scriptFAIL
threats_or_harassmentPASS
missing_required_disclosurePASS
vulnerable_customerPASS

Failure modeGUARD_POLICY_VIOLATION
Policy set9f3c…e1 · v7
ControlBook4a17c2
Phase / moderesponse / monitor
Chain position418,774 pending

Pending means the decision is saved and the verdict was returned; it joins the signed chain a moment later.

Govern

Governance

ControlBook osfi-e23 · 4a17c2 · 29 regulations · last compiled 2 Mar 2026

Obligation coverage

Every obligation in the ControlBook, and where the evidence for it comes from, in the last 30 days.

ObligationEvidencePass rate
E23.3.1  Model inventory completenessScheduled runs 100%Covered
E23.3.2  PII and data governance controls
Needs 99% · requirement from the ControlBook
Guard kyc-guard · Enforce
2 of 2 listed policies attached · 8,744 response checks
99.8%
112 caught before delivery, not counted as failures
Covered
6F.2.1  Suspicious pattern escalation
Needs 99%
Guard collections-guard · Monitor
1 of 2 listed policies attached · 9,870 response checks
98.7%
Monitor mode: flagged responses were delivered, so they count as failures
Coverage gap
E23.5.1  Ongoing performance monitoringScheduled runs 88%Thin evidence

The report counts response checks only. In enforce mode a violation the guard caught before delivery is shown as "caught", not as a failed check; in monitor mode it was delivered, so it counts as a failure. The second row also shows the new check that finds a guard missing one of the policies an obligation lists.

THROWAWAY MOCK · illustrative data · theme