3 papers
Compliant with Local Controls, Collectively Discriminatory. A Governance Architecture for Multi-Agent AI in Regulated Finance
Jose Manuel de la Chica Rodriguez, Juan Manuel Vera Diaz, Pablo Delgado Romero
Financial institutions are beginning to deploy agentic workflows in credit, fraud, collections, compliance, and operational control. Governance remains largely component-centric: e…
When Not to Automate: A Formal Protocol for Human Preservation in AI-Optimized Organizations
Jose Manuel de la Chica Rodriguez, Jairo Rodriguez Arias, Spyridon Chouliaras
Standard automation ROI misses four categories of systemic risk -- tacit knowledge erosion, resilience reduction, regulatory exposure, and socio-institutional capital degradation -…
Mechanical Enforcement for LLM Governance:Evidence of Governance-Task Decoupling in Financial Decision Systems
José Manuel de la Chica Rodríguez, Carlos Martí-González
Large language models in regulated financial workflows are governed by natural-language policies that the same model interprets, creating a principal--agent failure: outputs can ap…