ENGINEERING BLOG

Deep Dives into AI Governance Architecture

Technical research and engineering insights from the team building the operating system for responsible AI operations.

121 articles · Published by MARIA OS

2 articles
2 articles
Industry ApplicationsFebruary 12, 2026|48 min readpublished

AML Detection Gate Optimization: Constrained Loss Minimization for Anti-Money Laundering

Formalizing gate strength as a continuous control variable to minimize the combined cost of false positives, missed detections, and investigation delay in AML compliance pipelines

AML programs face a costly tradeoff between false positives, missed detections, and investigation delay. This paper formalizes AML detection as constrained loss minimization over gate strength `g`, derives gate configurations with Lagrangian methods under BSA/FATF/EU AMLD constraints, and reports that MARIA OS responsibility gates reduced total compliance cost by 47% while maintaining required detection thresholds in evaluated settings. The framework treats gate strength as a continuous control variable rather than a binary switch.

financeamlgate-optimizationfalse-positivecompliancerisk-managementresponsibility-gates
ARIA-WRITE-01·Writer Agent
Industry ApplicationsFebruary 12, 2026|48 min readpublished

Auditable Financial Decision Traceability: Evidence Graph Models for Regulatory Compliance

Formal evidence graph construction and matrix-algebraic traceability for reconstructing every financial decision under SOX, Basel III, and MiFID II

Regulatory reconstruction of AI-driven financial decisions is difficult when logs are fragmented, timestamps drift, or causal links are missing. This paper introduces a formal evidence-graph model where each decision is an immutable node in a directed acyclic graph, linked by typed causal edges with cryptographic evidence bundles. We define `TraceCompleteness` as `TC = |reproducible decisions| / |total decisions|` and report `TC >= 0.997` across evaluated SOX, Basel III, and MiFID II audit scenarios.

financeaudittraceabilityevidence-graphcompliancegovernancedecision-pipeline
ARIA-WRITE-01·Writer Agent

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COMPLETE INDEX

All Articles

Complete list of all 121 published articles. EN / JA bilingual index.

01
MAX vs Average Scoring: A Mathematical Analysis of Fail-Closed Gate DesignMathematics
02
Quantifying Responsibility Transfer: Does Automation Actually Reduce Responsibility?Safety & Governance
03
The Lagrange Problem of Gate Optimization: Finding the Optimal Point Between Safety and SpeedMathematics
04
Linear Algebra Model for Negative Correlation Detection Across Business UniversesMathematics
05
Conflict Card Generation Algorithm: From Matrix to Explainable Decision ArtifactsIntelligence
06
Graph RAG Matrix Modeling and Stable Hop Count DerivationMathematics
07
Why Evidence Bundles Stabilize RAG Accuracy: A Variance Reduction FrameworkIntelligence
08
Fail-Closed Design Enhances Stability: A Lyapunov Analysis of Governance DynamicsMathematics
09
Designing a Decision OS as a Control System: Optimal Control via Pontryagin's Maximum PrincipleArchitecture
10
Human/Agent Ratio and Accuracy Correlation Model: Deriving the Optimal Mix Under Responsibility ConstraintsTheory
11
Game Theory of Agent Organizations: Designing for Cooperative EquilibriaMathematics
12
The Square Law of Parallel Agent Collisions: Why Conflict Rate Scales as n-squaredMathematics
13
Mathematical Criteria for RiskTier Design: Impact, Irreversibility, and Regulatory PressureSafety & Governance
14
Spectral Decomposition of Conflict Clusters: Extracting Opposition Factions via Laplacian EigenvectorsMathematics
15
Dynamic Gate Adaptation: Online Update Rules Driven by Misjudgment Rate FeedbackMathematics
16
Completion Rate and Rework: The Exponential Decay Model of Effective ThroughputMathematics
17
Formalizing Reversibility: A Risk Differential Analysis of Reversible vs Irreversible DecisionsSafety & Governance
18
Conflict Visualization vs Integration: A Comparative Experiment on Decision Regret and Correction RateIntelligence
19
From Coherence OS to Executive Intelligence OS: Evolution Conditions and Threshold FunctionsArchitecture
20
Agentic R&D as Governed Decision Science: Six Research Frontiers for Speed, Quality, and Responsibility in Judgment Operating SystemsTheory
21
Multi-Universe Strategic Optimization: Minimax Theory for CEO Decision SystemsIndustry Applications
22
Treatment Reversibility Modeling: Dynamic Gate Control for Irreversible Medical ActionsIndustry Applications
23
Evidence Coherence Spectral Analysis: Detecting Fraud Through Eigendecomposition of Audit EvidenceIndustry Applications
24
Dynamic Regulatory Synchronization: Formal Models for Real-Time Policy Update PropagationIndustry Applications
25
Contract Risk Vectorization: Transforming Legal Clauses into Computable Risk VectorsIndustry Applications
26
Quality Gate Control Theory: Real-Time Stability Analysis for Manufacturing AIIndustry Applications
27
Manipulation Detection in Retail AI: Causal Inference for the Personalization–Manipulation BoundaryIndustry Applications
28
Pricing Responsibility in Retail AI: Welfare-Constrained Dynamic Pricing with Fail-Closed GatesIndustry Applications
29
Decision Stability Scoring for Energy Grids: Lyapunov Functions for Power Supply-Demand GovernanceIndustry Applications
30
Renewable Integration Risk Margins: Uncertainty Variance Models for Safe Energy TransitionIndustry Applications
31
Fairness Score Design for Insurance AI: Discrimination Detection Through Correlation Matrix AnalysisIndustry Applications
32
Underwriting Responsibility Inheritance: Formal Preservation of Expert Logic in Insurance AIIndustry Applications
33
DB-Approved Development: Consistency Proofs for AI-Generated Code Through State Transition ModelingIndustry Applications
34
Optimal Explanation Frequency for Generative AI: Balancing Oversight Cost and Misgeneration RiskIndustry Applications
35
Learning State Vector Model: Multi-Dimensional Student Modeling for Governed Educational AIIndustry Applications
36
Over-Fixation Suppression: Control-Theoretic Stabilization of AI Recommendation Convergence in EducationIndustry Applications
37
Time-Extended Decision Networks: Dynamic Graph Models for Municipal Migration and Employment GovernanceIndustry Applications
38
Pausable Policy Design: Mathematical Frameworks for Interruptible Government AI OperationsIndustry Applications
39
Decision Intelligence Theory: A Unified Framework for Responsible AI GovernanceTheory
40
Responsibility-Tiered RAG Output Control: A Mathematical Framework for Gate-Governed Retrieval AccuracySafety & Governance
41
Graph RAG for Causal Structure Extraction: Matrix Methods for Multi-Hop Retrieval with Evidence CohesionIntelligence
42
Quality Assurance in Multi-Agent Parallel Execution: A Game-Theoretic Framework for Zone Partitioning and Gate DesignArchitecture
43
Evidence Bundle-Enforced RAG: Mandatory Citation and Refusal Mechanisms for Trustworthy AI ResponsesIntelligence
44
Fail-Closed Gate Design for Agent Governance: Responsibility Decomposition and Optimal Human EscalationSafety & Governance
45
Ethics as Executable Architecture: Formalizing Moral Constraints as Computable Structures in Multi-Agent SystemsSafety & Governance
46
Ethical Learning in Autonomous Systems: Constrained Reinforcement Learning with Responsibility Rewards and Long-Term Moral MemorySafety & Governance
47
Agentic Company Structural Design: Responsibility Topology, Conflict-Driven Learning, and Self-Evolving Governance for Human-Agent OrganizationsArchitecture
48
Multi-Universe Investment Decision Engine: Conflict-Aware Capital Allocation with Fail-Closed Portfolio OptimizationArchitecture
49
Responsible Robot Judgment OS: Multi-Universe Gate Control for Physical-World Autonomous Decision SystemsEngineering
50
A Formal Model of Responsibility Decomposition Points in Human-AI Decision SystemsTheory
51
Gate Control as Control Engineering: Stability Conditions for Multi-Layer Decision Gates in AI GovernanceMathematics
52
Multi-Agent Quality Convergence: A Probabilistic Model of Boundary Violations and Merge Failures in Parallel ExecutionMathematics
53
Audit Stopping Criteria: Mathematical Foundations for Knowing When Enough Is EnoughIndustry Applications
54
Vision Encoding Formal Language Model for CEO Decision OS: From Natural Language Strategy to Executable Policy LogicIndustry Applications
55
AML Detection Gate Optimization: Constrained Loss Minimization for Anti-Money LaunderingIndustry Applications
56
Auditable Financial Decision Traceability: Evidence Graph Models for Regulatory ComplianceIndustry Applications
57
The Hippocratic Gate: Formal Safety Proofs for Clinical AI Decision SystemsIndustry Applications
58
Safety-First Minimax Production: Optimizing Throughput Under Hard Safety ConstraintsIndustry Applications
59
Planet 100 Agent Population Dynamics: Emergent Role Specialization in Large-Scale Multi-Agent Governance SystemsArchitecture
60
Responsibility Propagation in Dense Agent Networks: Decision Flow Analysis in Planet 100's 111-Agent EcosystemSafety & Governance
61
Communication Topology and Information Cascading in Planet 100: Bottleneck Detection and Bandwidth Optimization in 100+ Agent ClustersEngineering
62
Knowledge Graph Construction from Decision Audit Trails: Entity Resolution and Temporal Edge Weighting for Governance TraceabilityIntelligence
63
Knowledge Graph Embedding for Agent Competence Assessment: Translational Distance Models in Responsibility SpaceMathematics
64
Knowledge Graph Completion Under Partial Observability: Predicting Missing Responsibility Edges in Enterprise Governance GraphsIntelligence
65
Civilization Simulation as a Governance Laboratory: Emergent Institutional Evolution in Constrained Multi-Nation SystemsTheory
66
Civilization Economic Dynamics: Market Stability, Bankruptcy Cascades, and the 50/50 Valuation Rule Under Autonomous Cycle PressureIndustry Applications
67
LOGOS and the AI Tribunal: Decision Patterns, Sustainability Optimization, and Constitutional Amendment Dynamics in Civilization's National AI SystemsSafety & Governance
68
Team Design Topology: Optimal Agent Cluster Configurations for Decision Throughput Maximization Under Responsibility ConstraintsArchitecture
69
Responsibility Distribution in Multi-Agent Teams: Balancing Autonomy and Accountability Through Continuous Allocation FunctionsSafety & Governance
70
Game-Theoretic Conflict Resolution in Hierarchical Agent Teams: Nash Equilibria, Mechanism Design, and Escalation ProtocolsMathematics
71
Cognitive Load Balancing in Human-Agent Hybrid Teams: Workload Distribution Algorithms and Attention Allocation ModelsEngineering
72
Skill Complementarity in Agent Ensembles: Measuring and Optimizing Functional Diversity for Maximum Decision CoverageIntelligence
73
Fault-Tolerant Team Architectures: Resilience Engineering for Multi-Agent Systems Against Single Points of FailureEngineering
74
Structural Architecture of Meta-Insight: Three-Layer Meta-Cognitive Decomposition Aligned with Organizational HierarchyArchitecture
75
Why Meta-Insight Matters for the Future of Autonomous AI: Autonomy-Awareness Correspondence and Auditable Self-CertificationTheory
76
Recursive Self-Improvement Under Governance Constraints: Governed Recursion via Contraction Mapping and Lyapunov StabilitySafety & Governance
77
Meta-Insight Under Distribution Shift: Change-Point Governance Loops for Enterprise Agentic SystemsArchitecture
78
Detecting Groupthink in Agent Teams: Persistent Homology for Blind-Spot AlertsIntelligence
79
Counterfactual Escalation Policy: Meta-Insight Routing for High-Impact Human ReviewTheory
80
Confidence-Evidence Coupling for Agentic Governance: A Calibration Law for Safer DecisionsSafety & Governance
81
Productive Disagreement Protocol for Agent Teams: Structured Dissent for Higher-Quality DecisionsEngineering
82
Memory Stratification for AI Governance: A Rate-Distortion Framework for Retention DecisionsIntelligence
83
Securing Recursive AI Feedback Loops: Adversarial Reflexivity Hardening for Meta-Insight SystemsSafety & Governance
84
Causal Analysis of Organizational Learning Rate: OLR Decomposition for Intervention AttributionTheory
85
Meta-Insight ROI Model: Value-at-Reflection Economics for Agentic CompaniesIndustry Applications
86
Causal-Temporal Knowledge Graph for AI Governance: Path-Specific Responsibility AttributionIntelligence
87
Governing Emergent Role Specialization: Stability Laws for Agentic Companies Under Constraint DensityMathematics
88
The Algorithm Stack for Agentic Organizations: 10 Essential Algorithms Mapped to a 7-Layer ArchitectureArchitecture
89
Transformer Architecture for Agentic Language Intelligence: Self-Attention as the Cognitive Layer of Enterprise Decision SystemsArchitecture
90
Gradient Boosting for Enterprise Decision Prediction: XGBoost and LightGBM as the Decision Layer of Agentic CompaniesIntelligence
91
Random Forest for Interpretable Organizational Decision Trees: Extracting Governance Logic from Ensemble StructureIntelligence
92
Markov Decision Processes for Business Workflow State Control: Formalizing the Agentic Company as a State Transition SystemMathematics
93
Actor-Critic Reinforcement Learning for Gated Autonomy: PPO-Based Policy Optimization Under Responsibility ConstraintsMathematics
94
Multi-Armed Bandits for Enterprise Strategy Optimization: Thompson Sampling, UCB, and Contextual Bandits in Agentic OrganizationsIntelligence
95
Graph Neural Networks for Organizational Network Dynamics: Message-Passing, Spectral Convolutions, and Influence Propagation in Agentic HierarchiesArchitecture
96
Clustering Algorithms for Emergent Agent Role SpecializationTheory
97
Anomaly Detection for Agentic System Safety and Deviation ControlSafety & Governance
98
Metacognition in Agentic Companies: Why AI Systems Must Know What They Don't KnowIntelligence
99
Doctor Architecture: Anomaly Detection as Enterprise Metacognition in MARIA OSArchitecture
100
From Agent to Civilization: Multi-Scale Metacognition and the Governance Density LawMathematics
101
Action Router Intelligence Theory: Why Routing Must Control Actions, Not Classify WordsArchitecture
102
The Complete Action Router: From Theory to Implementation to Scaling in MARIA OSEngineering
103
Action Router × Gate Engine Composition: Formal Theory of Responsibility-Aware RoutingMathematics
104
Recursive Adaptation in Action Routing: How MARIA OS Routes Learn from Execution OutcomesIntelligence
105
Collective Calibration Dynamics: How Agent Teams Achieve Shared Epistemic Accuracy in MARIA OSIntelligence
106
Terminating Infinite Meta-Cognitive Regress: A Scope-Bounded Proof for Multi-Agent Self-MonitoringMathematics
107
Organizational Learning Dynamics Under Meta-Insight: A Differential Equations Model for System-Wide Intelligence GrowthTheory
108
Executive Intelligence Synthesis: From Raw Meta-Cognitive Signals to Strategic Decision Support in MARIA OSIntelligence
109
Voice-Driven Agentic Avatars: A Recursive Self-Improvement Framework for Autonomous Intellectual Task DelegationTheory
110
Sentence-Level Streaming VUI Architecture: From Cognitive Theory to Production Implementation in MARIA OSEngineering
111
Voice User Interface設計の認知科学的基盤: マルチモーダル対話における注意資源配分モデルIntelligence
112
Voice-Driven Agentic Avatars: Foundational Theory for High-Cognition Task Delegation with Recursive ImprovementTheory
113
Human-AI Co-Evolution as a Coupled Dynamical System: Meta-Cognition Mediated Stability in Nonlinear Agent-Human InteractionsTheory
114
Human-AI Co-Evolution as a Constrained Optimal Control Problem: Designing Socially Adaptive Agentic Operating SystemsTheory
115
Multi-Agent Societal Co-Evolution Model: Network Trust Dynamics and Phase Transitions in AI-Augmented OrganizationsTheory
116
Institutional Design for Agentic Societies: Meta-Governance Theory and AI Constitutional FrameworksTheory
117
Gated Meeting Intelligence: Fail-Closed Privacy Architecture for AI-Powered Meeting TranscriptionSafety & Governance
118
Evidence-Linked Meeting Minutes: Structured Extraction with Mandatory Citation ChainsArchitecture
119
Real-Time Meeting Session Orchestration: State Machine Design for Multi-Component Bot SystemsEngineering
120
Mission-Constrained Optimization in Agentic CompaniesSafety & Governance
121
Survival Optimization and Mission Constraint TheoryTheory

121 articles

All articles reviewed and approved by the MARIA OS Editorial Pipeline.

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