Paulo Alcarva

Algorithmic Fairness as a Risk-Management Problem in Banking and Insurance: Regulatory Frameworks, Model Governance, and Fairness-Aware Credit Scoring

AI-driven credit scoring is supervised as a high-risk application in banking and insurance, yet unfairness is rarely operationalized as a measurable category of model, conduct, legal, and reputational risk, so fairness-risk controls organized around impact assessment, independent validation, and three lines of defense...