Atlas Loan Underwriting Model

System characterization

Lifecycle stage

deployment

Autonomy level

human on loop

Security exposure

moderate

Indigenous data

No

Affected populations

Loan applicants, Adverse-action recipients

Created

2026-03-04

Open framework items

• NI
  Risk management roles & accountability

  Roles defined in policy; accountability matrix in draft.
  Moderate
• IE
  Algorithmic bias

  Disparate impact observed across two demographic slices; mitigation in flight.
  High
• IE
  Bias measurement

  Bias metrics computed quarterly; thresholds documented.
  Moderate
• IE
  Transparency

  Adverse action notices generated; reason codes under review.
  Moderate
• AT
  Evade ML model

  Adversarial robustness tests run quarterly; gaps logged.
  Moderate