Controlled execution

Execution and controls

A decision cohort is analysis, not a rate change. It becomes a pricing action only after mapping to a delegated basis point movement, passing guardrails, quantified impact and independent approval. This screen makes that separation explicit and refuses to publish while any gate is open.

Path to execution

Each stage must close before the next carries any weight.

Stage 1
Decision Cohort
Named analytical cohort produced by a governed run.
Stage 2
Pricing Action
Cohort mapped to a delegated basis point movement.
Stage 3
Guardrail Validation
Automated pricing and regulatory guardrails.
Stage 4
Impact Assessment
Balance, interest expense and customer impact.
Stage 5
Approval
Maker, checker, pricing and risk sign-off.
Stage 6
Publish
Controlled release to downstream pricing execution.

Cohort to action mapping

Delegated basis point movements applied to the cohorts produced on Aug 01, 2026. Holds are deliberate zero-movement outcomes, not omissions.

Decision cohort	Accounts	Balance	Action	Annual interest change	Basis
Small Cut Cohort	1,666	$116.88M	−5 bp decrease	−$58,439	Standard reduction for low sensitivity balances.
Medium Cut Cohort	2,166	$159.04M	−10 bp decrease	−$159,043	Intermediate reduction with retention monitoring.
Large Cut Cohort	1,183	$85.51M	−20 bp decrease	−$171,012	Largest permitted reduction under the current guardrail set.
Relationship Hold — High Balance	553	$221.88M	no movement	—	Held at current rate to protect the household relationship.
No Action — Pointer Ineligible	2,371	$207.56M	no movement	—	No repricing pointer attached; no action can be applied.
Hold — No Action	774	$55.59M	no movement	—	No governed decision available on this snapshot.

Accounts repriced

5,015

57.6% of eligible population

Balance repriced

$361.43M

42.7% of eligible balance

Annualised interest reduction

$388,494

Static book, no behavioural response modelled

Weighted rate movement

−10.74889465344033 bp decrease

Floor breaches: 3

Guardrails

Automated pricing, conduct and regulatory limits. A breach blocks publication outright.

G1
Maximum permitted rate delta
No mapped pricing action exceeds the delegated rate movement limit.
Threshold: 25 bp per action
Observed: 20 bp
passed
G2
Minimum APY floor
Accounts falling below the floor are truncated to the floor at execution.
Threshold: 0.05% after action
Observed: 3 accounts below floor
warning
G3
Relationship protection
Relationship Hold accounts carry a zero basis point action by construction.
Threshold: Private Bank and Premier held
Observed: 0 bp applied
passed
G4
Cooldown period
The previous governed money market action completed on 2026-03-01.
Threshold: 90 days between actions
Observed: 153 days since 2026-03-01
passed
G5
Customer exclusion
Complaint, legal hold and remediation accounts are removed before decisioning.
Threshold: Suppression list applied
Observed: Applied at criterion E6
passed
G6
Regulatory constraint
State is available for analysis only and is not referenced in any active rule.
Threshold: No geographic differentiation
Observed: No geographic predicate in policy
passed
G7
Portfolio balance threshold
Limits the share of the eligible book affected by a single governed action.
Threshold: ≤ 60% of eligible balance repriced
Observed: 42.7% ($361.43M)
passed
G8
Financial impact threshold
Impact above the threshold requires Treasury sign-off in addition to pricing approval.
Threshold: ≤ $12.0M annualised interest reduction
Observed: $388.5K
passed

Approvals

Maker-checker separation: the author cannot approve their own change, and pricing and risk sign-off are independent.

Maker · Pavan S B · Pricing Analyst
Author of the working version
Awaiting decisionpending
Checker · J. Whitfield · Pricing Steward
Independent review of policy structure and eligibility
Awaiting decisionpending
Pricing Approval · D. Okafor · Head of Deposit Pricing
Approval of mapped pricing actions and impact
Awaiting decisionpending
Risk / Governance Approval · S. Bhattacharya · Deposit Risk Governance
Not required at this impact level
Awaiting decisionnot required

Publish gate

Publication releases the artifact to downstream pricing execution and freezes the version.

PolicyMMA-CUT-BASE

Versionv4

CatalogueCAT-2026.07

SnapshotAug 01, 2026

Last governed runNone

Average eligible APY1.40%

ValidationNo blocking findings

ApprovalsOutstanding

PublicationNot published

Publication is refused for 3 reason(s):

· No completed governed run exists for the working version.
· Independent approvals are not yet complete.
· Publishing a governed pricing action requires completed approvals.