AIGP Question of the Day — 5 September 2026
A new free AIGP practice question every few days, with a full explanation.
A 12,000-employee insurer and a 30-person startup both ask how to structure AI governance. Which advice best reflects the BoK's approach?
- Give both the same standard structure: an AI governance committee, a full policy suite and a dedicated second-line risk function, for consistency
- Scale the design to each organisation: formal committees and model risk structures for the insurer, AI review embedded in existing product and risk processes for the startup
- Have the startup run informal governance for now, deferring named accountability for AI decisions until it can hire a dedicated risk officer
- Have the insurer push AI oversight down to individual business units so decisions stay close to the teams building and deploying the models
Governance should be proportionate to size, maturity, sector and risk profile: the regulated insurer needs formal committees and model risk structures, while the startup embeds AI review into existing processes with named ownership (b). (a) imposes a one-size-fits-all apparatus a 30-person firm cannot sustain. (c) leaves AI decisions without an accountable owner, which even small firms need from day one. (d) strips out the central policy and high-risk oversight a regulated insurer must retain.
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