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BreakPoint in Practice

Three sectors. Three assessments.
All three determinations.

Each assessment below is constituted from published regulatory evidence, not fabricated scenarios. They show what Real, Assumed and Absent look like when BreakPoint is applied to an actual AI-influenced environment.

● Real: human authority documented and exercisable at point of decision
▲ Assumed: authority claimed in policy; not evidenced at decision level
✕ Absent: no named human holds authority at point of AI determination
Composite Assessment 01
Cavendish Life
Insurance Sector, Constituted Assessment
● Underwriting policy sign-off, documented authority
▲ Individual risk pricing, human oversight claimed, not evidenced
✕ Claims triage routing, no named human authority
▲ Fraud detection threshold, vendor-set, no named accountable person
Constituted from published PRA, FCA and ABI evidence

Read the full assessment →
Composite Assessment 02
Radnor Wealth Management
Wealth Management, Constituted Assessment
● Investment Policy Statement approval, documented authority
▲ Risk profile assignment, adviser review claimed, not evidenced
✕ DFM rebalancing execution, no named human authority
▲ Suitability letter scope, AI-generated content, sign-off not evidenced
Constituted from published FCA, MiFID II and BoE/FCA evidence

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Composite Assessment 03
Meridian Asset Management
Asset Management, Constituted Assessment
● Investment mandate sign-off, documented authority
▲ SM&CR framework vs decision-level accountability
✕ Pre-execution best execution authority, absent at point of AI determination
▲ SS1/23 model validation, independence not demonstrably met
Constituted from published PRA SS1/23, FCA SM&CR and MiFID II evidence

Read the full assessment →

What do Real, Assumed and Absent mean?

A BreakPoint assessment maps every AI-influenced decision in your organisation against a single question: is there a named human who holds genuine, exercisable authority at the exact point this decision is made?

The answer falls into one of three determinations.

●
Real
A named individual holds documented authority and can exercise it at the point of decision. If a regulator asked today who approved this, there is a clear, evidenced answer.
▲
Assumed
Authority is described in a policy, framework or governance document, but there is no evidence it is exercisable at decision level. The person named has the title; they do not hold the control.
✕
Absent
No named human holds authority at the point AI makes or influences the determination. The decision has no owner. The accountability gap is structural, not incidental.

Assumed and Absent are not the same risk, but both are regulatory exposure. Assumed is the more common finding, and the harder conversation: the organisation believes it has governance in place.

Ready to see what BreakPoint finds in your organisation?

A BreakPoint Review takes one day. The findings are immediate. The protection is permanent.

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