問題文
A credit provider deploys a model that recommends whether to decline an application. Regulators expect meaningful human oversight. Which arrangement best satisfies that expectation?
選択肢
- A sample of five percent of declined applications is reviewed each month by a second-line analyst who reports aggregate agreement rates to the risk committee.
- Every declined application is reviewed by a human within one business day and the reviewer records whether they agree or disagree with the recommendation before the decision is communicated to the applicant.
- The model is configured to abstain when its confidence is low and abstentions are routed to a human underwriter for a full manual assessment of the application.
- Reviewers receive the reasons behind each recommendation and have authority to overturn it and are measured on decision quality rather than throughput.