Security & AI Governance

You shouldn't trust AI you can't audit.

FundMore is built for the most heavily regulated buyers in the world: banks. Every recommendation is logged, every model is documented, and a human owns every material decision. Bring your compliance team — they'll like this page more than you will.
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Audit trail · loan #4-1187
recording
09:41:02
Processor Agent read T4_2025.pdf
Source cited — page 2, field-level provenance
09:41:05
Income verified: $128,400
Confidence 0.98 — cross-referenced against source files
09:41:09
Policy check passed
Deterministic rule 4.2.1 — credit policy is code, not weights
09:41:12
Exception flagged: appraisal date
Routed to your team with full context
human review
09:41:15
Reasoning trace written
Chain of thought logged — timestamped, exportable
Material decision — your underwriter's call.
Approve
SOC 2 Type II certified
Trusted by banks & credit unions
No training on your data
How We Govern AI

Six rules our AI never breaks.

This isn't a policy PDF nobody reads. These principles are enforced in the platform itself — and we put them in our contracts.

Humans decide. Always.

Human-in-the-loop on all material decisions. The AI drafts, extracts, and recommends. Your underwriter approves. No loan is ever decisioned by a model.

No training on your customer data.

Your borrowers' data is never used to train our models. Full stop.

Deterministic decision logic.

Business rules live outside the LLM. Credit policy is code you can read — not weights you can't. The model can't quietly rewrite how decisions get made.

Provenance on every output.

Every AI recommendation shows its sources and a confidence score. You always know where an answer came from — which document, which field, which page.

The full reasoning is logged.

We log the chain of thought — the model's reasoning — behind every recommendation. If a regulator ever asks "how did the AI reach that conclusion?", you pull the trace. Timestamped, complete, exportable.

Your data stays yours.

Per-customer logical data separation, enforced in the code base. Your files, your borrowers, your pipeline — never visible to anyone else.

Drawing the line where regulators draw it.

What our agents do
Read and classify documents — intelligent document processing
Extract and verify data against source files
Flag conditions, exceptions, and missing items
Recommend next best actions to your team
What they never do
Approve or decline a loan
Set pricing or terms
Make any material decision without a human
Train on your customer data
Lower-risk AI by design — document processing and recommendations, not decisioning. That's why our risk conversations with bank compliance teams are short.
Model Transparency

Every model, documented. No black boxes.

Ask most vendors which models run in their platform and where, and you get a shrug. We hand you a grid: every model we use, where it appears, what it's for, what data it reads, what it produces, and the guardrails around it. It's the same document our bank clients' model-risk teams review — and it drives the contract, not the other way around.
Model
Where it runs
Intended use
Data inputs
Expected output
Guardrails
Document intelligence
Intake & processing
Classify, extract, and index documents
Uploaded borrower documents
Structured fields with page-level citations
Confidence scores; low confidence routes to a human
Income analysis
Underwriting workspace
Cross-reference income against source files
Pay stubs, returns, bank statements
Verified income calculation with sources
Deterministic rules own the math; a human approves
Drafting & triage
Conditions & outbound
Draft messages and flag exceptions
File context, condition list
Drafts and flags queued for review
Nothing ships without a human
Built on enterprise foundation models from the major providers — never fine-tuned on your customers’ data.
Deployment

Deployed the way your infrastructure team wants it.

FundMore cloud.

Fully managed, logically separated per customer, running on enterprise cloud infrastructure. Fastest path to live.

Your own dedicated instance.

For institutions that want it, we deploy a dedicated instance inside your environment — you own it, you hold the credentials, your team controls access. We set it up, hand over the keys, and support it.

Data residency, solved.

Regional deployment where your regulator needs your data to live. Your data stays in your jurisdiction — a dedicated instance runs in the region you choose.
Bank-Grade Diligence

Audited by the toughest buyers in the market.

Our clients are banks and credit unions. Before any of them went live, their security teams put us through full vendor due diligence — security questionnaires, architecture reviews, audit Q&A. We've answered thousands of questions from bank security teams. Send us yours; odds are we've already answered it.

SOC 2 Type II

Independent attestation of our security controls

Bank-grade due diligence

Completed with regulated banks and credit unions

Chain-of-thought logs

A complete reasoning trail on every AI recommendation
Certifications & Roadmap

Certified today. Building for tomorrow's rules.

SOC 2 Type II

Certified
Independently audited security, availability, and confidentiality controls.

ISO/IEC 42001

In progress
The international standard for AI management systems. Certification program underway.

NIST 800-53

Alignment in progress
Mapping our controls to the NIST 800-53 framework used by our most demanding clients.

Emerging AI regulation

Readiness underway
Model risk guidelines and AI rules are landing in every jurisdiction we serve. We build the governance documentation ahead of each effective date — so our clients aren't scrambling at the deadline.

Bring your compliance team.

Thirty minutes. We'll show you the audit trail, the model grid, and the human approval gates — live, on a real workflow.