This paper examines a governance gap emerging in financial services: supervisors and internal audit functions increasingly expect firms to evidence oversight of AI-mediated representations, yet most institutions lack audit-grade artifacts demonstrating such monitoring. Using an illustrative scenario, the paper shows how Reasoning Claim Tokens (RCTs) can function as evidentiary control objects that document repeatable omission of suitability constraints without requiring access to AI model internals or operational control over third-party systems.
This paper examines a governance gap emerging in financial services: supervisors and internal audit functions increasingly expect firms to evidence oversight of AI-mediated representations, yet most institutions lack audit-grade artifacts demonstrating such monitoring. Using an illustrative scenario, the paper shows how Reasoning Claim Tokens (RCTs) can function as evidentiary control objects that document repeatable omission of suitability constraints without requiring access to AI model internals or operational control over third-party systems.