A New Zealand engineer is building a tool to track who is responsible when AI helps decide things like loans, a question regulators are starting to ask.
A 28-year-old engineer in New Zealand is building a tool to answer one question: when an AI system helps make a decision, who is accountable? Kira Klein works as a Salesforce engineer. She is developing the tool through her company, Klein Consulting, with regulators in mind.
Picture a bank that uses AI to help assess an application. A customer disputes the result. Someone has to show what the system was allowed to do, what was checked and who can review the outcome. Klein wants to make that record easier to examine.
To work, the tool would need to link each use of AI to the people responsible and the evidence behind its approval and ongoing review. A reviewer should be able to see what is still uncertain and where a person must decide. "I want to make it easier to see who owns the risk, what has been checked and what still needs a human decision," Klein said.
A survey published on October 26, 2026 by the Bank of England and the Financial Conduct Authority found that 86 percent of responding firms use AI. Of the firms answering questions on governance, 94 percent had firmwide AI policies, principles or standards. Only around half reported ongoing monitoring. Writing rules and watching a system after launch are different jobs.
Stanford's 2026 AI Index counted 362 documented AI incidents in 2025, up from 233 in 2024. Those are recorded incidents. They do not show how likely any one system is to fail.
Approval is not the end of the story. A supplier may update the system. Its purpose may change. The people who reviewed it may move on. A useful record has to stay meaningful through all of that.
Klein joined ANZ's technology graduate programme in 2019, after studying Information Systems and Management at Victoria University of Wellington. Her work has included software delivery, release management, cloud control documentation and accessibility testing. Klein Consulting is independent of ANZ, and she says the views are her own.
She also points to trust in New Zealand. In the OECD's 2025 survey, 62 percent of New Zealanders reported high or moderately high trust in the civil service, against an OECD average of 45 percent. But only 39 percent were confident government agencies would keep human oversight when using AI.
The article does not say when the tool will be ready, who will use it or what it will cost. It also makes clear that a record alone cannot prove a model is safe. The information has to be current and clear enough for someone to challenge it. Klein's work sits alongside the US government's voluntary AI Risk Management Framework, which covers trustworthy AI.
When AI helps decide something about your money, a clear record of who approved it and who can review it is what lets you challenge the result.
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