FIBO‑ML Risk Governance Accelerator
Provide a governed, ontology‑tagged loan‑risk pipeline with pre‑built dashboards and Salesforce workflows. Slash manual documentation, surface early‑warning insights, and ship production models fast.
.png)
What it is
A Databricks‑native accelerator that unifies Financial Industry Business Ontology (FIBO) semantics with machine learning to deliver transparent, audit‑ready credit‑risk analytics.
It lands your core‑banking data in Delta, auto‑ tags every column, builds a customer‑to‑loan graph, and deploys two production models: a Random‑Forest PD model and a Graph Convolutional Network that improves early‑ warning accuracy by 15–20 percent.
Traceability
Every dataset, feature, and model is traceable in Unity Catalog and MLflow.
Faster, smarter decisions
Risk scores refresh continuously for pricing, collections, and stress testing.
Regulatory readiness
Automated OWL exports and PDF audit reports satisfy BCBS 239 and CCAR evidence needs.
Extensibility
Modular notebooks drop into existing Databricks workspaces and adapt to new data or models.
Integrations
- Proactive delinquency outreach
Push high‑risk loans to Financial Services Cloud, trigger banker tasks, and send SMS reminders. - KYC address re‑verification
Flag ontology mismatches, launch OmniStudio flows, confirm updates by SMS. - Cross‑sell pre‑qualification
Feed low‑risk candidates into Marketing Cloud, send personalized offers, and open FSC opportunities.
What you get
- Terraform scripts and Databricks notebooks to stand up the pipeline in hours.
- FIBO‑tagged Delta tables, ready for BI, AI, and lineage audits.
- Production‑ready PD and GNN models with MLflow tracking.
- Curated Power BI or Tableau dashboards with drill‑through lineage.
- Nightly compliance agent that exports OWL triples and PDF audit packs.
- Sample MuleSoft, OmniStudio, and Twilio assets to activate the three Salesforce use cases.
Get more value fast
Pilot a 2 million‑row loan portfolio, including data ingestion, ontology tagging, model training, and Salesforce integration, in six weeks or less.
