feat(GSIFI-REFARCH-WP-024): Six-Layer Full-Stack AI Governance for Tier-1 Global Banks

DOCUMENT: GSIFI-REFARCH-WP-024 v1.0.0 — Enterprise AI Governance Reference Architecture
SCOPE: G-SIFIs, Fortune 500, Tier-1 Global Banks with AGI-Capable Systems
CLASSIFICATION: CONFIDENTIAL — Board Risk Committee / C-Suite / Prudential Supervisors

SIX-LAYER FULL-STACK GOVERNANCE MODEL (L1-L6):
- L1: Board & Enterprise Risk Oversight (SMCR/SIMR, kill-switch authorization)
- L2: AI Strategy & Policy Infrastructure (482+ OPA rules, risk taxonomy)
- L3: Model Lifecycle & Risk Management (SR 11-7, 12-dimension ARS v2.0)
- L4: Data Governance & Privacy Engineering (14 mandatory fields, DQ >= 0.85)
- L5: Development, Deployment & Runtime Governance (7-stage CI/CD, 4 HITL gates)
- L6: Compute & Infrastructure Governance (sovereign compute, carbon monitoring)

THREE LINES OF DEFENSE:
- 1st Line: AI Development & Operations (200-400 AI/ML FTE)
- 2nd Line: AI Risk Management (CAIGO, AI Risk Committee, Ethics Office, MRM, Data Gov, Compute Gov)
- 3rd Line: Internal Audit & Board Oversight (8-15 AI Audit FTE)
- CAIGO Profile: $2.8M budget, 12 direct reports, 5 key authorities

11-COMPONENT GOVERNANCE STACK:
- GS-01 through GS-11: AI Inventory Registry, Risk Classification Engine, Policy-as-Code, Model Validation, Runtime Monitoring, Tamper-Evident Audit Logging, KPI/SLA Panel, Incident Response, CI/CD HITL Gates, Escalation Engine, Data Gov Fields

REGULATORY CROSSWALK (186 controls, 847 mappings):
- 12 controls mapped across EU AI Act, NIST AI RMF, ISO 42001, SR 11-7, GDPR, FCRA/ECOA
- Evidence artifacts per control with auditor examination questions

90-DAY MVP ROADMAP (4 phases, $14.2M Year-1):
- Phase 1: Governance Foundation (Days 1-21, $1.8M)
- Phase 2: Infrastructure (Days 22-45, $3.4M)
- Phase 3: Operational Controls (Days 46-70, $4.8M)
- Phase 4: Crisis Simulation & Hardening (Days 71-90, $4.2M)

3 CRISIS SIMULATIONS:
- CRISIS-01: Autonomous Trading Cascade ($2.8B notional, 47-second cascade)
- CRISIS-02: Hallucination Cascade (12% rate, 47K customer interactions)
- CRISIS-03: Adversarial Prompt Injection (multi-system coordinated attack)

BOARD DELIVERABLES:
- BP-01: 16:9 Architecture Slide with Ownership Column
- BP-02: One-Page Executive Briefing
- BP-03: 3-5 Page Regulatory Crosswalk & Technical Annex

NEW FILES:
- rag-agentic-dashboard/public/six-layer-governance.html (60,746 chars, 12-section dashboard)
  - Radar chart, investment chart, layer stack visualization
  - 16:9 board slide preview, one-page exec briefing preview
  - Full crosswalk matrix, evidence table, CI/CD pipeline viz
  - Crisis simulation cards, timeline roadmap, API explorer

MODIFIED FILES:
- rag-agentic-dashboard/server.js: Registered new page in whitepaper suite + dashboards

42 NEW API ENDPOINTS under /api/gsifi-refarch/*
86/86 regression tests pass (0 failures)
All 4 dashboard HTML files return HTTP 200

Author: OneFineStarstuff