You came here for clinical AI.
The gap did not stay in medicine.
It was sitting in a bank.
We found it.
The alerts were closed.
Nobody read them.
In April the OCC issued a consent order
against Community Federal Savings Bank.
The bank's automated triage system
auto-closed alerts that should have been
escalated for review.
Not some of them.
A very high percentage
of everything the system ingested.
The thresholds were never tuned
to the business the bank had grown into.
The named party was the bank.
It is always the bank.
Blue Ridge. Axiom. Evolve.
Every enforcement action names
the chartered institution.
Not the vendor.
Not the model builder.
Not the fintech whose volume
created the exposure.
The regulated entity answers
for a system it did not build.
The queue moved.
The work looked finished.
Nobody could say which alerts
a person actually decided.
And every quarter the volume grew,
the thresholds held,
and the distance widened
between what cleared
and what anyone reviewed.
The gap is not in the model.
It is in the seam.
↳ The Governance Owner
names what the system is authorized to close.
↳ The Decision Owner
holds the call the system cannot.
↳ The Handoff between them
is where the gap closes.
The Accountability Gap™ (TAG™)
does not open when a model is wrong.
It opens when a decision reaches a customer
and no named owner holds it.
Medicine. Banking.
Same seat. Different room.
You already know which queues in your institution
clear without a name on them.
The only question is whether the seat is filled
before an examiner asks who closed the alert.
Mo Johnson, MD MBA is a cardiothoracic surgeon and the founder of GPe Research. He created The Accountability Gap™ (TAG™), which names the moment the AI stops and the named owner starts. MedicoVigilance™ covers clinical AI. FinVigilance™ covers financial AI. Field Notes are short dispatches from the accountability frontier, published at tagframework.com.
Follow the work on LinkedIn: linkedin.com/in/mo-johnson