Autonomous AI Agents in Regulated Financial Services

Autonomous AI Agents in Regulated Financial Services

Governance Framework for Agentic Systems Under DORA and the EU AI Act

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The first published governance framework for autonomous AI agents in regulated financial services. Three tiers of agent autonomy. Article-by-article DORA analysis identifying thirteen provisions where the regulation fails for agentic systems. Resolves the structural paradox between AI Act Article 14 human oversight and autonomous operation.

Six-category Agentic Risk Taxonomy (ART-1 through ART-6). Three uniquely agentic with no analogue in compositional risk. Four architecture-specific compliance profiles for trade execution, AML investigation, claims processing, and customer onboarding.

Files

File	Description
paper.pdf	Full governance framework

Citation

DOI: 10.6084/m9.figshare.31516171

License

CC BY-NC-ND 4.0