The Auditable Answer

A Deterministic-First Architecture for Enterprise IT Financial Intelligence

By Suvajit Basu, Founder of TekLedger · June 2026 · 20 pages

Same data in, same answer out, every time. This whitepaper makes the case for why deterministic systems — not probabilistic AI — belong at the system of record for any financial decision an enterprise has to defend in front of an auditor, a regulator, a board, or a court.

What's inside

• The April 2026 SR 26-2 guidance from the Fed, OCC, and FDIC — and why it carves out deterministic systems while leaving generative AI in a regulatory gap
• Four documented cases of probabilistic AI failure in regulated environments — court records, SEC enforcement, and peer-reviewed research
• The deterministic-first reference architecture, with retrieval-augmented generation, neuro-symbolic AI, and constrained generation as the bounding mechanisms
• A 24-question buyer’s diligence checklist mapped to NIST AI RMF and ISO/IEC 42001 — usable directly by procurement, audit, and compliance teams
• The full Sources & Further Reading list — 18 primary citations with working links

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