01SIGHT
Know where risk lives.
A live register across the institution. Nothing off-book, nothing lost in a spreadsheet, nothing a supervisor can find that you cannot.
Governance, evidenced.
MAS AIRG built in, and the system to build the record.
Inventory, risk assessment, controls and evidence, in one platform.
MAPPED TO MAS AI GOVERNANCE FRAMEWORKS AND STANDARDS
- MAS AIRG
- MindForge
- Veritas
- SAFR
- TRM Guidelines
Governance Row builds the record.
Global platforms serve the largest banks. Governance Row is built for everyone else. The thousands of regulated financial institutions that carry the same obligations with a fraction of the resource. One platform, purpose-built for the work, producing the same thing: a defensible record on demand.
02EVIDENCE
Prove control, not intent.
Every requirement met with attached, timestamped proof: each control tied to the exact supervisory expectation it satisfies.
03RECORD
Answer in one motion.
Board-ready reporting and an append-only audit trail. The document a supervisor asks for, generated in one motion.
04STANDARD
Built to the local rulebook.
Mapped to your supervisor's own clauses (MAS AIRG, MindForge, Veritas), verified against the primary text.
THE PLATFORM
One platform. Purpose-built.
Governance Row runs on one evidence-first architecture: an inventory of what is regulated, controls proportionate to the risk, evidence attached, and a record that stands up on inspection.
MAPPED TO MASMAS AIRG
AI risk governance
AI risk governance for MAS-licensed financial institutions. Every AI use inventoried, risk-assessed, controlled, and inspection-ready, mapped clause by clause to supervisory expectations.
- AI register with third-party detection
- Risk materiality assessment
- Life-cycle controls, evidenced
- Board dashboard for oversight
- Inspection pack in one motion
- SAFR agent controls
WHY GOVERNANCE ROW
Built differently.
Governance Row is different in three specific ways. Every one of them matters when a supervisor is at the door.
Mapped to your supervisor.
Every control cites the exact MAS clause it satisfies. Not a translation of a US or EU framework, built to the local rulebook.
Priced for everyone else.
Global platforms cost US$30,000 to $200,000 a year. Governance Row is subscription software mid-market institutions can actually adopt. Proportionality is a design principle.
Evidence, not intent.
An append-only ledger records every control, every attestation, every change, written on the server and timestamped. Entries cannot be edited or removed, not even by our own admin tools. A supervisor gets the whole record, not a summary we assembled for them.
HOW IT WORKS
From AI use to inspection-ready: five steps, one motion.
Five steps, one record.
Governance Row replaces the spreadsheets, email approvals, and Word documents that make up most firms' AI governance today.
01
Inventory.
Log every AI use (vendor tools, staff use of public models, internal builds) with an owner, source, and description.
02
Assess.
Score risk materiality across impact, complexity, and reliance. Inherent risk before controls, residual risk after.
03
Control.
Apply the controls MAS expects, scaled to each use's materiality. Every control tied to the exact clause it satisfies.
04
Evidence.
Attach the proof each control requires: attestations, test results, sign-offs. Missing evidence is visible; nothing hides.
05
Produce.
Generate the inspection pack in one motion. Board-ready reporting. Backed by the append-only audit trail. Ready the day a supervisor asks.
WHO WE SERVE
Built for MAS-licensed financial institutions.
SINGAPORE FIRST · MAS AIRG
SEGMENT 01
Banking
AI across onboarding, credit, fraud and servicing. Each use governed on its own terms and evidenced in one record, ready when the supervisor asks.
SEGMENT 02
Capital Markets
Research, surveillance, execution and portfolio tools. Model-heavy uses that carry real materiality, each assessed and evidenced per use.
SEGMENT 03
Financial Advisory
Suitability, client profiling and advice-support AI. Where a model shapes a recommendation to a person, the fairness and explainability obligations follow.
SEGMENT 04
Insurance
Underwriting, pricing and claims AI. Decisions about people at scale, governed on their own terms and evidenced end to end.
SEGMENT 05
Payments
Transaction monitoring, fraud and screening AI. High-volume automated decisioning, each use governed and its evidence ready for inspection.
BUILT TO A STANDARD
The clauses your supervisor writes, mapped to the controls we build.
Not translated. Not derived. Grounded.
Governance Row's control library is grounded in the supervisor's own materials, mapped to the MAS AI Risk Management Guidelines and the frameworks they draw on, and verified against the primary text. The record it produces is built to answer the question a MAS supervisor will actually ask.
MAS AIRG01
Guidelines on AI Risk Management (AIRG)
Issued by MAS on 7 October 2026 and in force from 7 October 2027. Governance, systems and processes, life cycle controls, capability and capacity.
MINDFORGE02
Operationalisation Handbook (January 2026)
Published under Project MindForge by MAS and 24 industry partners. Working templates for identification, inventory, GenAI, and life-cycle controls.
VERITAS03
FEAT Assessment Toolkit (2022)
MAS's toolkit for assessing fairness, ethics, accountability, and transparency in FS AI/ML systems.
SAFR04
Safeguards for Agentic Finance at Runtime (SAFR)
A voluntary industry reference model for real-time safeguards on agentic AI, developed through MAS's BuildFin.ai collaboration (2026). Not a supervisory expectation.
TRM GUIDELINES05
Technology Risk Management (2021)
Technology and cyber risk management principles, applied to AI systems and third-party deployments.
REQUEST ACCESS
The Guidelines are final. The clock is running.
MAS issued its Guidelines on AI Risk Management on 7 October 2026. AI oversight, the AI inventory and risk materiality are in force from 7 October 2027, and the fuller life cycle controls by 7 October 2028. That is a build window, not a grace period. Talk to us about your AI governance before your supervisor asks to see it.