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AI Governance Use Cases

Real-world governance challenges across 6 industries. See how Prufer's policy framework addresses each scenario.

6

Industries

19

Use Cases

15+

Regulations

4

Tiers

🏦

Financial Services

Trading, lending, and wealth management governance

Agent firewall wedge

Payments & refunds first — deterministic blocks before ledger APIs.

Financial AI agents →
📈

Autonomous Trading Fleet Governance

Enterprise

How do you enforce compliance on 47 agents making microsecond decisions—without adding latency?

Governance Questions Prufer Answers:

  • Are agents respecting position limits per fleet?
  • Could two agents take opposing positions
  • Can you prove to regulators that risk limits were enforced?

Policy Capabilities:

Pre-trade checks

<5ms latency governance

🔄Cross-agent detection

Conflict identification across fleet

📋Continuous audit

Real-time compliance streaming

OCCSECMiFID II
💳

Credit Decisioning (EU AI Act)

Enterprise

High-risk AI classification requires human oversight—but you process 10,000 applications daily.

Governance Questions Prufer Answers:

  • How do you provide meaningful human oversight at scale?
  • Can the agent generate natural language explanations?
  • Are approval rates equitable across demographics?

Policy Capabilities:

👤Conditional human review

Auto-triggers for high-value denials

💬Explanation generation

"DTI ratio 42%, tenure 8 months"

⚖️Bias monitoring

15% variance alerts

EU AI ActGDPREBA
🌐

Multi-Jurisdiction AML Networks

On-Prem

40 jurisdictions with different thresholds. How do you prevent agents from learning to evade flags?

Governance Questions Prufer Answers:

  • When Singapore flags a transaction, does it trigger UK reporting?
  • Can an agent learn to systematically avoid flagging?
  • Which policy wins when rules conflict?

Policy Capabilities:

🏛️Multi-policy

Global core + regional overrides

📉Drift detection

20% QoQ flag rate drops alert

🔒Most-restrictive wins

Automatic conflict resolution

FATFMASFCAFinCEN
🏥

Healthcare

Clinical decision support and patient data protection

💊

Clinical Decision Support Safety

Enterprise

The agent suggests a drug the patient is allergic to—buried in a legacy EHR note. Who is liable?

Governance Questions Prufer Answers:

  • Is every recommendation cross-checked against allergy lists?
  • Can physicians override with documented rationale?
  • Are governance rules version-locked to FDA submissions?

Policy Capabilities:

🚫Allergy blocking

Mandatory pre-output cross-check

⚠️Drug interactions

Moderate+ severity flagging

✍️Override documentation

Physician rationale logging

HIPAAFDA 21 CFR 11
🔬

Medical Imaging Triage

Enterprise

A small nodule gets deprioritized for efficiency. Cancer is diagnosed 3 weeks late.

Governance Questions Prufer Answers:

  • What happens when confidence falls below 85%?
  • Do oncology-suspect findings bypass normal prioritization?
  • Are missed findings tracked in feedback loops?

Policy Capabilities:

📊Confidence thresholds

<85% → human escalation

🏃Urgent queue bypass

Oncology-suspect fast-track

🔄Outcome tracking

Auto-adjusting sensitivity

FDAEU MDR
🔐

Patient Data Re-identification Prevention

On-Prem

A research agent correlates rare disease combinations with public records to re-identify patients.

Governance Questions Prufer Answers:

  • Are queries analyzed for k-anonymity violations?
  • Can agents combine 3+ quasi-identifiers?
  • Is the Privacy council running monthly red-teams?

Policy Capabilities:

🔢K-anonymity (k<5)

Automatic query blocking

🚧Correlation blocking

Quasi-identifier limits

⏱️Rate limiting

100 queries/hour cap

HIPAAGDPR
🧬

Pharma & Life Sciences

Drug discovery, clinical trials, and regulatory submissions

🧪

Drug Discovery Pipeline Governance

Enterprise

An agent proposes a compound structurally similar to a known toxin. The wet lab synthesizes it before anyone notices.

Governance Questions Prufer Answers:

  • Are proposed structures screened against TOXNET before synthesis?
  • What is the Tanimoto coefficient threshold?
  • Is human chemist approval policy required?

Policy Capabilities:

☠️Toxin screening

TOXNET database cross-reference

📐Similarity thresholds

>0.7 Tanimoto blocks

Synthesis gates

Human approval before synthesis

GLPFDA
📋

Clinical Trial Protocol Design

Enterprise

AI optimizes for efficacy metrics but ignores long-term safety signals buried in legacy trial data.

Governance Questions Prufer Answers:

  • Are safety databases always consulted for dosing?
  • Does the agent quantify uncertainty in recommendations?
  • Are AI vs expert disagreements escalated to IRB?

Policy Capabilities:

🛡️Safety database mandate

Required for all dosing recs

📊Uncertainty scores

"73% confidence; cardiac gap"

⚠️IRB escalation

Auto-trigger on disagreements

FDA INDICH-GCP
📑

Regulatory Submission Integrity

Enterprise

An NDA compilation includes data from a study later retracted for fraud. Nobody catches it before FDA submission.

Governance Questions Prufer Answers:

  • Are cited studies verified against Retraction Watch?
  • Is every claim traceable to source?
  • Are references older than 5 years flagged for staleness?

Policy Capabilities:

🚨Retraction detection

Retraction Watch + PubMed

🔗Data lineage

Full claim → source tracing

📅Staleness alerts

>5 year references flagged

FDAEMA
🛡️

Insurance

Underwriting, claims, and actuarial model governance

📝

Fair Underwriting Governance

Enterprise

An agent denies coverage based on inferred health—from gym membership lapses and fast food orders.

Governance Questions Prufer Answers:

  • Is the agent blocked from non-actuarial data sources?
  • Can adverse decisions be explained to regulators?
  • Are approval rates monitored for disparate impact?

Policy Capabilities:

🚫Data blocking

No social/purchase behavior

📋Actuarial justification

Required for all adverse

📊Disparate impact

Cross-class rate monitoring

NAICColorado SB21-169
🔍

Claims Fraud Bias Prevention

Enterprise

The agent flags certain zip codes at disproportionate rates—zip codes that correlate with race.

Governance Questions Prufer Answers:

  • Is weekly disparate impact analysis
  • Are geographic correlations permitted only for natural disasters?
  • Is there human sampling for false positive detection?

Policy Capabilities:

📈Weekly audits

Ethics council analysis

🌍Geo correlation limits

Only fire/flood zones

👥10% human sampling

False positive detection

State InsuranceFCRA
📐

Actuarial Variable Selection Ethics

Enterprise

An agent discovers credit score decline improves predictions 15%—but violates fair lending principles.

Governance Questions Prufer Answers:

  • Are credit score components on the prohibited variables list?
  • Does proxy detection flag correlations >0.6 to prohibited?
  • Can variable importance reports be exported for filings?

Policy Capabilities:

🚫Prohibited list

Credit, genetic, social

🔎Proxy detection

>0.6 correlation alerts

📤Filing export

NAIC-formatted reports

State InsuranceNAIC
🚚

Logistics & Supply Chain

Fleet coordination, sanctions compliance, and warehouse safety

🚛

Autonomous Fleet Safety

Enterprise

An agent routes Vehicle #127 through a school zone at dismissal—because it saves 3% on fuel.

Governance Questions Prufer Answers:

  • Are school zones blocked 2-4pm on school days?
  • Are residential zones capped at 15mph regardless of efficiency?
  • Is real-time compliance fed to insurance carriers?

Policy Capabilities:

🏫Time-based geofencing

School zone blocking

🐢Speed governance

15mph residential cap

📡Insurance feed

Real-time compliance

DOTState Traffic
⚠️

Supply Chain Sanctions Compliance

On-Prem

A procurement agent sources from a clean supplier—whose parent company was just OFAC-listed yesterday.

Governance Questions Prufer Answers:

  • Is beneficial ownership traced 4 levels deep?
  • When new sanctions post, are related POs immediately reviewed?
  • Is every sourcing decision compliance-attested?

Policy Capabilities:

🏢4-level ownership

Beneficial owner tracing

🔔Alert propagation

New sanctions → PO review

Attestation logging

Per-decision compliance

OFACEU Sanctions
🤖

Warehouse Robotics Safety

Enterprise

During peak season, an agent reduces robot spacing by 8% for throughput. A worker is injured.

Governance Questions Prufer Answers:

  • Are human proximity rules policy inviolable?
  • Does the system alert when agents try to modify safety params?
  • Does near-miss increase trigger automatic throttling?

Policy Capabilities:

🛡️Inviolable safety

No agent override possible

🚨Pressure detection

Safety mod attempt alerts

⏸️Auto throttling

Near-miss → throughput cut

OSHAState Safety
🛒

Retail & E-Commerce

Pricing ethics, dark patterns, and consumer protection

💰

Dynamic Pricing Ethics

Starter

Through reinforcement learning, the agent discovers mobile users pay 12% more—and starts charging them systematically.

Governance Questions Prufer Answers:

  • Can price vary by device type or browsing history?
  • Do A/B pricing experiments require Ethics council approval?
  • Is every pricing decision logged with factor attribution?

Policy Capabilities:

🚫Discrimination blocklist

Device, location, history

📊Variance monitoring

>5% spread alerts

📝Factor logging

Full attribution per decision

FTCState Consumer
🎭

Dark Pattern Prevention

Starter

"Only 2 left in stock!" displays on products with 200+ units. DSA and FTC call this a dark pattern.

Governance Questions Prufer Answers:

  • Must scarcity messages reflect actual inventory?
  • Are urgency messages capped to one per session?
  • Are vulnerable users protected from pressure tactics?

Policy Capabilities:

Truth requirements

Scarcity = real inventory

1️⃣Urgency limits

One per session cap

🛡️Vulnerability protection

Reduced pressure tactics

DSAFTC
💬

Customer Service Authority Limits

Starter

Optimizing for CSAT, the agent gives $500 to every angry customer. Service costs explode.

Governance Questions Prufer Answers:

  • Do refunds above $100 require human approval?
  • Is the same customer flagged for 3+ credits in 90 days?
  • Are agent credit rates compared to mean ± 2 std dev?

Policy Capabilities:

👤Tiered authority

$100/$500 approval gates

🔄Pattern detection

3+ credits → flag

📈Outlier detection

2σ deviation alerts

Internal Controls
📦

Demand Forecasting & Market Impact

Enterprise

The agent predicts a formula shortage and panic-buys—contributing to the very shortage it predicted.

Governance Questions Prufer Answers:

  • Are essential goods orders capped at 120% of historical?
  • Do large orders require market impact review?
  • During shortages, do agents defer to allocation authorities?

Policy Capabilities:

📊Order caps

120% historical limit

🌍Impact review

>5% regional supply

🤝Shortage protocol

Defers to authorities

FTCState Consumer

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