High-risk AI system

Roles that need it

• AI Transformation Analyst (Banking)
• Regulatory Change Analyst
• Data Scientist (Banking)
• Model Validation Analyst
• Credit Risk Model Developer

Skills it belongs to

• Regulatory change impact assessment
• Model validation and governance

Related concepts

• AI Act (Artificial Intelligence Act)The AI Act, Regulation (EU) 2024/1689, is the EU law that sets rules for AI systems according to their risk: some practices are banned, high-risk systems face strict requirements, and general-purpose AI models have transparency duties. Credit scoring of individuals is a high-risk use.
• Explainability (AI)Explainability is the ability to describe, in terms a person can understand, why a model produced a given output, for example which factors drove a credit decline. It supports validation, human oversight, customer explanations under the GDPR and AI Act transparency duties.
• Machine learning modelA machine learning model is a mathematical function whose parameters are learned from historical data, so that it can predict or classify new cases, such as the probability that a loan defaults or that a payment is fraudulent. It is trained, tested on unseen data, deployed and then monitored.

Sources

• Regulation (EU) 2024/1689 (Artificial Intelligence Act), EUR-Lex (external site) accessed 31 Oct 2026
• Regulation (EU) 2026/1744 amending the Artificial Intelligence Act, EUR-Lex (external site) accessed 31 Oct 2026

Updated 31 Oct 2026.