Executive Summary – Judgment Assurance: Governing Institutional Judgment in AI-Mediated Decision-Making

As artificial intelligence increasingly mediates consequential institutional decisions, accountability remains human. Yet in many institutions, judgment is still unstructured,
undocumented, and weakly owned. It is treated as an informal byproduct of workflow rather than a governed institutional function, diffused across roles, tools, and vendors. AI widens this governance gap: oversight degrades, explanations become post-hoc, and defensibility collapses under scrutiny. This pattern is cross-sector and largely independent of AI architecture.

Judgment Assurance closes this gap by treating human judgment as an institutional asset and by defining minimum governance controls for preserving it when AI informs outcomes. It provides a common governance language for regulators, auditors, insurers, and institutional leaders evaluating AI-mediated decisions. It is not a model-governance theory. It is a decision governance discipline.