Does MiOpsAI maintain an audit trail suitable for bank examinations?

Yes. Every read, write, message send, AI draft, approval, edit, and status change is logged with user identity, timestamp, IP address, and action detail. The audit log is queryable inside the tenant and exportable in structured format for retention with your other examination-ready records.

The scope of what MiOpsAI audits is deliberately narrow: it audits the operational surface (who touched what operational thread, what AI drafted, who approved, what was sent to whom). It does not and cannot audit anything account-level, because account-level activity happens in the core banking system where your existing audit and monitoring controls already run.

For examiner conversations, the practical value is that anything customer-facing that used to live in scattered inboxes, personal chat threads, or spreadsheets now has a single system of record with retention rules you control. If an examiner asks who responded to a specific commercial customer inquiry, when, and what they said, the answer is one query away instead of a two-day inbox archaeology exercise.

Retention rules are per-tenant and configurable. Most beta banks set operational message retention at seven years to align with typical bank record retention policies, with shorter retention for marketing draft revisions and longer preservation for regulatory correspondence and board coordination. Legal hold is supported: any thread flagged for hold is preserved indefinitely regardless of the retention window.

On the certification side, MiOpsAI is working toward SOC 2 Type II on the 2026 roadmap. Our underlying AWS infrastructure is SOC 2 Type II certified today. We do not currently hold GLBA safeguards attestation as an examined third party, so we sit as an operational vendor in your vendor management program rather than a core-adjacent one. See the security and compliance FAQ set for the full picture.