A large financial institution uses Einstein Discovery to automate loan pre-approval decisions. The model was trained on ten years of historical data. After deployment, the compliance team finds that the approval rate for minority groups is 15% lower than the majority group, even after controlling for credit score and income. The data is balanced across groups. The model uses features like zip code, employment history, and debt-to-income ratio. The institution has a strict policy of fairness and non-discrimination. The AI team proposes three options: (1) remove zip code and employment history from the model, (2) add a fairness constraint to the model training, (3) lower the decision threshold for minority groups to balance approval rates. The compliance officer must choose the most ethical and effective course of action that aligns with Salesforce AI ethical guidelines. Which option should they choose?
Fairness constraints adjust the model to reduce bias while maintaining accuracy.
Why this answer
Option B is correct because adding a fairness constraint directly addresses bias without arbitrary threshold changes (Option C) and while removing features (Option A) may not eliminate bias due to correlated features. Option A is wrong because zip code and employment history may be proxies; removing them could reduce predictive power without fully solving bias. Option C is wrong because it applies different standards to groups, which may be discriminatory and illegal.
Option D is to continue using the model, which is unethical.