A financial institution is implementing an AI-based fraud detection system. The compliance officer is concerned about potential bias in the model that could lead to unfair treatment of certain customer groups. Which governance practice should be prioritized to address this concern?
Bias audits with metrics like demographic parity can detect unfair treatment and guide mitigation.
Why this answer
Regular bias audits using fairness metrics (Option B) are the correct governance practice because they provide a systematic, quantitative method to detect and measure disparate impact across protected groups. Unlike simply collecting more data, audits directly evaluate model outputs for statistical parity, equal opportunity, or other fairness definitions, enabling the institution to identify and remediate bias proactively. This aligns with regulatory expectations for ongoing monitoring and accountability in AI governance.
Exam trap
CompTIA often tests the distinction between interpretability (explaining a single prediction) and fairness (systematic bias across groups), leading candidates to mistakenly choose SHAP values (Option D) as a bias mitigation technique when it is only an explanation tool.
How to eliminate wrong answers
Option A is wrong because merely increasing training data diversity does not guarantee fairness; the model can still learn biased correlations from the data or amplify existing societal biases, and without fairness metrics, there is no way to measure whether the outcome is equitable. Option C is wrong because retraining monthly with the latest transaction data addresses model drift and concept drift, not bias; bias can persist or even worsen with new data if the underlying data generation process remains biased. Option D is wrong because SHAP values provide local interpretability for individual predictions but do not measure or mitigate systemic bias across groups; they explain why a specific decision was made, not whether the model treats groups fairly overall.