Proof & Rigor
The proof is the object.
A Proof Pack is a hash-chained ledger of governance evidence, rendered as an artifact you can hold. It is what your board asks for before it signs off on an AI lending vendor. It is the trail your NCUA examiner wants when the question becomes show me. The institution holds the proof; the individual earns the credential inside it — and that credential travels with the person, because competence should be portable.
The Proof Pack
13 artifacts, hash-chained.
Every artifact in a Proof Pack has a cryptographic hash chained to the previous entry. The chain-of-custody is verifiable by any party. Tampering breaks the chain.
Skill Contract authored
Skill Contract reviewed (peer)
Override decision documented
Policy gap analysis filed
Evidence binder entry
Simulation pass — regulator pressure
Simulation pass — incident response
Sentinel session transcript (L0–L1)
Sentinel session transcript (L2+)
Colleague ratification
External reviewer attestation
Maturity gate checkpoint
Composite score calculation
⛬ Proof Pack · L2 Certified · Issue No. 0142
Priya R.
Issued 2026-09-14 · Meridian Point FCU · Witnessed by 3 peer reviewers · Industry: Credit Unions · Wedge: AI Lending
AGRS composite
612
Practicing band
Proof artifacts
13 of 13
complete
Simulation passes
2 of 2
graded
Sentinel hours
96 hrs
3 bands
Regulatory anchors: ECOA / Reg B · CFPB Circular 2023-03 · NCUA third-party guidance
External reviewer: M. Klein · CCO, peer credit union
Examination survival: NCUA mock · CFPB mock · passed
A Proof Pack is the institution's evidence first — the board-ready, examiner-ready trail. The credential inside it is portable, because the person who earned it should carry it. Your credit union is incentivized to keep her, because she is provably scarce.
The L4 Panel
Three reviewers. Ninety minutes.
The L4 Keeper credential demands a panel review — not a test. Three reviewers, each with a different lens, examine the candidate's portfolio under conditions that simulate real regulatory pressure. The panel is calibrated by the Bench.
Peer CMRO / CCO
A chief model risk officer or chief compliance officer from a peer institution — outside the candidate's reporting chain.
Bench reviewer
A calibrated reviewer from the Compact's governance body. Ensures cross-institution consistency.
Former regulator
A retired examiner or regulatory advisor who knows what the real scrutiny looks like.
The Methodology
Open spec. Apache 2.0.
The methodology is open. Forkable. Auditable. The tooling, the coaching, the evidence engine — that's the business. But the knowledge of how to govern AI belongs to the profession, not to a vendor.
Four Specifications
Skill Contract
The atomic unit of governance work. What the practitioner commits to do, what evidence it produces, what eval cases test it.
Maturity Gate
The checkpoint between Postures. What artifacts must exist, what simulation scores are required, what peer review looks like.
Capability Graph
The directed acyclic graph of skills that compose a Posture. Not a checklist — a dependency tree.
AGRS v0.2
The scoring rubric. Composite score from three pillars: Proof artifacts, Simulation passes, Sentinel engagement hours and band progression.
Six Tenets
Evidence over attendance — no certificate without an artifact behind it.
Open methodology, proprietary tooling — the knowledge belongs to the profession.
Postures, not levels — a stance you hold, not a rung you leave behind.
The frontline counts — the Witness is as real a credential as the Keeper.
External calibration — no credential without review outside the reporting chain.
Portability — the credential belongs to the person, not the institution.
The Standard-Bearer Registry
AGRS L5. Eight in the first cohort.
The Standard-Bearer is AGRS L5 — Recognized. The one whose contribution is to the standards themselves. NIST AI RMF subcategory comment letter accepted. ISO/IEC 42001 working-group input. NAIC working-group seat. ONC HTI-1 third-revision contributor.
Criteria: 850+ composite score. Named external contribution to a regulatory or standards body. Panel ratification by at least two Keepers. Summit walk.
850+
Composite score
Named
External contribution
2+
Keeper ratifications
Summit
Annual ceremony
Eight in the first cohort. Eighty in the fifth.