WHO WE SERVE
AI governance built for Irish regulated financial services.
Tolt Innovations works exclusively with regulated financial services organisations in Ireland. We understand your regulator, your obligations, and the specific pressures your compliance and risk teams are under. We do not offer generic AI governance, we offer CBI-specific assurance.
Asset & Wealth
Management
Asset and wealth managers in Ireland are using AI for portfolio optimisation, client risk profiling, and trade surveillance. The CBI expects firms to demonstrate these systems are governed, explainable, and subject to meaningful human oversight.
The challenge is showing your regulator and your clients that the algorithms driving decisions on their behalf are operating within a documented, auditable framework.
The specific challenges we address:
Algorithm traceability: Documenting how AI-driven investment decisions are made and evidencing human oversight for CBI reporting.
Model risk governance: Building a model inventory and validation framework that satisfies both internal risk committees and external regulators.
Fiduciary accountability: Ensuring client-facing AI is explainable and bias-monitored, in line with MiFID II and the CBI's Consumer Protection Framework.
Fintech &
Digital Banking
Irish fintechs move fast. AI is embedded in credit decisioning, fraud detection, and AML monitoring. The risk is that governance has not kept pace and the CBI is now looking closely at exactly that gap.
The organisations that scale with confidence build governance in from the start, not as an afterthought when the regulator calls.
The specific challenges we address:
Regulatory velocity: Deploying AI fast without leaving your governance framework behind so your operational licence is never at risk.
Credit model fairness: Evidencing that AI-driven credit decisions are free from bias and meet the CBI's Consumer Protection Code.
Third-party AI risk: Maintaining the documentation and oversight the CBI expects for AI models sourced from third parties.
Insurance &
Insurtech
AI is reshaping insurance in underwriting, claims, fraud detection, and pricing. The CBI and EIOPA are both scrutinising how it is used, particularly where it could disadvantage policyholders or introduce bias into underwriting models.
The question is not whether to govern your AI. It is whether your current governance would withstand a regulatory examination. Most organisations are not yet there.
The specific challenges we address:
Underwriting model validation: Documenting and validating underwriting AI to demonstrate it is fair, explainable, and compliant with EIOPA guidelines.
Bias monitoring in pricing: Establishing ongoing monitoring for discriminatory bias in AI-driven pricing, a specific CBI and EIOPA supervisory focus for 2026.
Claims AI transparency: Ensuring claims AI produces explainable, auditable outputs that satisfy regulatory requirements and policyholder rights under the Consumer Protection Code.
Three sectors. One regulator. One standard.
Regardless of your sector, every regulated financial services organisation in Ireland faces the same fundamental challenge: demonstrating to the Central Bank of Ireland that your AI is governed, explainable, and under control. That is what Tolt Innovations exists to help you prove.
The Same Regulator
Whether you are an asset manager, a fintech, or an insurer, the Central Bank of Ireland is your primary regulator. Its 2026 supervisory agenda places AI governance at the centre of its oversight priorities across all regulated sectors.
The Same Framework
The EU AI Act applies to all three sectors. Its risk-based classification system, documentation requirements, and human oversight obligations are the same regardless of whether your AI is used in portfolio management, credit decisioning, or claims processing.
The Same Urgency
The CBI has signalled that AI governance will be a core pillar of its 2026 supervisory reviews. Organisations that cannot demonstrate adequate controls are exposed to enforcement action, remediation requirements, and reputational risk. The deadline is not theoretical.
OTHER REGULATED SECTORS
Outside financial services? We may still be able to help.
While our primary focus is regulated financial services in Ireland, the EU AI Act applies to all sectors. If you are a regulated firm outside financial services - in healthcare, legal services, or the public sector and you need help understanding your AI governance obligations, we are happy to have a conversation. We do not take on every engagement outside our core sectors, but we will always give you an honest assessment of whether we are the right fit and point you in the right direction if we are not.
Not sure if Tolt Innovations is the right fit for your organisation? Book a short, no-obligation call and we will tell you honestly.
Ready to find out where
your organisation stands?
The AI Readiness Audit gives you a clear, honest picture of your governance gaps and a prioritised roadmap to close them. Book a confidential conversation to get started.