Applications
Deployable means every documented requirement is met. There is no partial credit — a blocked application is blocked. CEO Co-Pilot
Blocked
9 of 10 requirements met · open on Model Risk & Governance Readiness
Month-End Close
Blocked
7 of 8 requirements met · open on Model Risk & Governance Readiness
Money Management
Blocked
6 of 9 requirements met · open on Cards & Payments and Salesforce FSC and Model Risk & Governance Readiness
Integration requirements matrix
A scored dimension must reach 60 to clear.CEO Co-PilotBlocked — 1 open
Executive KPIs, benchmarking and a daily AI brief.
domain Customer / CIFIn scope and reconciled — 31,893 records, from SilverLake CFMAST. Classified NPI.
domain DepositsIn scope and reconciled — 63,896 records, from SilverLake DDMAST. Classified NPI.
domain LoansIn scope and reconciled — 6,952 records, from SilverLake LNMAST. Classified NPI.
domain General LedgerIn scope and reconciled — 3,090 records, from SilverLake GLMAST. Classified None.
domain TransactionsIn scope and reconciled — 18.74M / yr, from Enterprise Data Warehouse. Classified NPI.
integration Core nightly extractActive — SFTP file drop, Nightly, after EOD.
integration Enterprise Data WarehouseActive — ODBC, read replica, Hourly.
dimension Core & System LandscapeScores 73, at or above the threshold of 60.
dimension Data Quality & AccessibilityScores 66, at or above the threshold of 60.
dimension Model Risk & Governance ReadinessScores 45, 15 points below the threshold of 60. It produces a generative narrative and a benchmark comparison for a board audience, which is a quantitative estimate used in a decision — the highest-tier use under SR 11-7.
Month-End CloseBlocked — 1 open
Reconciliation and close assistance for the finance team.
domain General LedgerIn scope and reconciled — 3,090 records, from SilverLake GLMAST. Classified None.
domain DepositsIn scope and reconciled — 63,896 records, from SilverLake DDMAST. Classified NPI.
domain LoansIn scope and reconciled — 6,952 records, from SilverLake LNMAST. Classified NPI.
domain TransactionsIn scope and reconciled — 18.74M / yr, from Enterprise Data Warehouse. Classified NPI.
integration jXchangeActive — SOAP / XML web services, Real-time inquiry.
integration Core nightly extractActive — SFTP file drop, Nightly, after EOD.
dimension Data Quality & AccessibilityScores 66, at or above the threshold of 60.
dimension Model Risk & Governance ReadinessScores 45, 15 points below the threshold of 60. It proposes reconciling entries and estimates accruals. Finance reviews each one before posting, which lowers the tier but does not remove the dependency.
Money ManagementBlocked — 3 open
Customer money-management insight across deposit relationships.
domain Customer / CIFIn scope and reconciled — 31,893 records, from SilverLake CFMAST. Classified NPI.
domain DepositsIn scope and reconciled — 63,896 records, from SilverLake DDMAST. Classified NPI.
domain TransactionsIn scope and reconciled — 18.74M / yr, from Enterprise Data Warehouse. Classified NPI.
domain Digital BankingIn scope and reconciled — 21,155 records, from Banno Online. Classified NPI.
domain Cards & PaymentsIn scope, but its data does not reconcile: EDW.CARD_ACTIVITY holds 22,959 rows against 27,999 documented. Until the gap is explained, an application reading this domain inherits it.
integration Core nightly extractActive — SFTP file drop, Nightly, after EOD.
integration Salesforce FSCDocumented, not enabled — REST API, 15 min.
dimension Data Quality & AccessibilityScores 66, at or above the threshold of 60.
dimension Model Risk & Governance ReadinessScores 45, 15 points below the threshold of 60. It categorises customer transactions and projects balances, and the output reaches customers directly, so a misclassification is a consumer-facing error.
Open items
Found by detectors, not written by hand. Each one has an owner and a next action.3 open EDW.CARD_ACTIVITY does not reconcile with the documented volumeMarcus ReyesEditor · IT Director
The bank documented 27,999 records for Cards & Payments and the scan observed 22,959 rows — a variance of -5040 rows, or -18 per cent. Two of the bank's own systems disagree, and the record does not say which is right.
What closes it
Explain or correct the gap between EDW.CARD_ACTIVITY and the documented volume for Cards & Payments
Model Risk & Governance Readiness is below the deployment thresholdPriya NandakumarApprover · Risk & Compliance
Scores 45 against a threshold of 60, 15 points short. It blocks CEO Co-Pilot, Month-End Close, Money Management.
What closes it
Model inventory maintainedWorth 25 points — on its own this clears the threshold.
Independent validation policyWorth 15 points — on its own this clears the threshold.
Model risk guidance alignment programme (FDIC FIL-22-2017)Worth 10 points — not enough on its own.
Change control over production analyticsWorth 5 points — not enough on its own.
Salesforce FSC is documented but not enabledMarcus ReyesEditor · IT Director
REST API, 15 min. Required by Money Management.
What closes it
Enable Salesforce FSC (REST API, 15 min) or drop Money Management from this phase
Stated boundaries
Not open items: the bank's own exclusions. They have no owner and are never closed.1 recordedBSA / AML is outside the mapping, by the bank's decision
Excluded from scope by the bank. The existence of a report may not be disclosed to any third party. Not shareable in any form, including counts. (31 CFR 1020.320(e)) The schema the scan discovered for it is withheld from the export package entirely — not by name, count or volume.
Also in the catalog
Not scored — these are not yet products.The blueprint scores the three applications the bank has selected. SmarterFI’s catalog also lists specialised agents that would be mapped the same way when they are selected.
Deposit DefenseMargin Optimization
Implementation plan outline
Phases and prerequisites, derived from the matrix above rather than written by hand.Phase 1 — Deploy what the mapping already supports
No application meets every documented requirement yet. One item — Model Risk & Governance Readiness — accounts for 3 of 3, so it is the first thing to close.
Prerequisites
Container image reviewed by information security and placed on a bank-managed host.
Read-only service account provisioned against the replica, not the production system.
Delivers
Nothing deploys in this phase — see Phase 2.
Phase 2 — Close the open items
3 of 3 applications are waiting, and Model Risk & Governance Readiness is what 3 of them are waiting on.
Prerequisites
Model Risk & Governance Readiness — required by CEO Co-Pilot and Month-End Close and Money Management.
Cards & Payments — required by Money Management.
Salesforce FSC — required by Money Management.
Delivers
CEO Co-Pilot unblocked and deployed.
Month-End Close unblocked and deployed.
Money Management unblocked and deployed.
Phase 3 — Extend the scope deliberately
BSA / AML sits outside the mapping, by the bank’s decision.
Prerequisites
A written decision from the bank on whether any excluded domain should come into scope.
For BSA / AML specifically: the existence of a suspicious activity report may not be disclosed to a third party under 31 CFR 1020.320(e), so the exclusion is a control rather than a gap to close — which is why the discovered schema is withheld from the export rather than merely marked.
Delivers
Specialised agents (Deposit Defense, Margin Optimization) mapped the same way when the bank selects them.
The landscape map re-run and the blueprint regenerated from the updated record.
Brief
Written at build time from the matrix above.One governance gap blocks every application in the blueprint
CEO Co-Pilot meets 9 of 10 requirements; the open item is Model Risk & Governance Readiness. Model Risk & Governance Readiness scores 45, 15 points below the deployment threshold of 60.