Exam AAIA Topic 2 Question 263 Discussion

Actual exam question for ISACA's AAIA exam
Question #: 263
Topic #: 2
A digital bank utilizes an AI system to generate credit scores. Which of the following would BEST mitigate the risk of sudden and unexplained changes in a borrower's credit score?

Suggested Answer: A Vote an answer

Sudden and unexplained changes in AI-generated credit scores may result from data drift, model overfitting, or lack of recalibration. According to the AAIA™ Study Guide, regular expert review and calibration help maintain model reliability and transparency, particularly in high-stakes decisions like credit scoring.
"Ongoing human oversight ensures that predictive models remain stable and justifiable. In high-impact environments, such as banking, experts must review and recalibrate AI systems to prevent opaque or unexpected behavior." Option B may cause the exclusion of relevant long-term patterns. C promotes risk by removing oversight. D is a validation strategy, not a stability control. Therefore, A is the best option.
Reference: ISACA Advanced in AI Audit™ (AAIA™) Study Guide, Section: "AI Operations and Performance," Subsection: "Model Monitoring and Recalibration Strategies"

by Byron at Oct 15, 2026, 03:06 AM

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