--- title: "KYE™ Senior Manager Authority Pack™ — UK SM&CR · KYE™ Sector Pack Foundry™ · KYE Protocol™" description: "The Senior Manager Authority Pack™ — first canonical KYE™ Sector Pack Foundry™ reference template. Maps every AI-assisted material decision in UK financial services to a named Senior Manager Function (SMF1/3/18/24), the Statement of Responsibilities clause it discharges, and the reasonable-steps Evidence Pack™ it emitted. Closes the FCA Jan 2026 AI supervisory approach gap." url: https://kyeprotocol.com/foundry/sm-cr-authority-pack/ lang: en source: "KYE Protocol" --- > The Senior Manager Authority Pack™ — first canonical KYE™ Sector Pack Foundry™ reference template. Maps every AI-assisted material decision in UK financial services to a named Senior Manager Function (SMF1/3/18/24), the Statement of Responsibilities clause it discharges, and the reasonable-steps Evidence Pack™ it emitted. Closes the FCA Jan 2026 AI supervisory approach gap. KYE™ Sector Pack Foundry™ # Senior Manager Authority Pack™ for UK financial services. Every AI-assisted material decision — mapped to a named Senior Manager, bound to the SoR clause it discharges, and signed into a reasonable-steps Evidence Pack™ at the moment it happens. Interview transcripts and meeting notes are weak evidence in an FCA enforcement. KYE Protocol™ produces materially better evidence — the Senior Manager Authority Pack™ is the productisation that lands the better evidence inside UK Tier-1 banks. [Apply via the Foundry](https://kyeprotocol.com/sector-pack-foundry/apply/) See the 8-step pipeline Why this is the first template The wedge ## UK SM&CR + the FCA Jan 2026 AI supervisory approach — named personal exposure meets material-AI-decision triggers. The UK Senior Managers & Certification Regime makes named Senior Manager Functions personally accountable for the way their area is run. The FCA Jan 2026 AI supervisory approach extends “reasonable steps” coverage to AI-assisted decisions — customer outcome, vulnerable-customer treatment, pricing, complaints handling, suitability, product governance. Two facts converge: - **Personal regulatory exposure is named.** SMF1 / SMF3 / SMF18 / SMF24 carry personal exposure, not the firm. The SoR is the regulator-of-record document against which conduct is tested. - **The current evidence base is weak.** Interview transcripts plus meeting notes are the dominant evidence today. They are reconstructive, contestable, and unsigned. They do not derive from public keys alone. - **KYE Protocol™ produces materially better evidence.** Authority Finality™ on every AI-assisted decision, bound to the named SMF, the SoR clause, and the delegation chain. The reasonable-steps Evidence Pack™ is signed, replay-derivable from published JWKS, and produced at the moment the action commits — not reconstructed afterwards. - **The buyer is named and budget-holding.** SMF24 (Chief Operations function) at every UK Tier-1 bank by mid-2026. They carry the exposure; they hold the budget; the FCA Jan 2026 clock is running. Why a Senior Manager buys this ## Better evidence than interview transcripts — signed at the moment, derivable from public keys alone. - **Signed at the moment of the decision.** No reconstruction, no contested timeline. The Evidence Pack™ carries the SMF identity, the SoR clause, the delegation chain, and the Authority Finality™ outcome — sealed at the moment the AI action commits. - **Replay-derivable from published JWKS.** An FCA enforcement decision-maker can verify the evidence chain offline, against published keys alone. No vendor cooperation required. No private envelope. No bilateral trust. - **Materially-AI-decision-aware.** Six FCA Jan 2026 triggers covered as canonical rules. Customer outcome, vulnerable-customer treatment, pricing, complaints handling, suitability, product governance — each routed through the Authority Register before the action commits. - **Quarterly attestation cadence.** Every quarter, each designated SMF co-signs a kye.compliance.attestation.v1 envelope covering their AI-assisted decision register. The FCA-style spot-check is always less than 90 days away from clean. - **Conduct-Rule-breach native.** CR1-CR5 and SC1-SC4 breaches meeting the FCA SUP 15.3 materiality threshold emit a conduct-incident Evidence Pack™ routed dual-channel to SMF and compliance per banking-grade. How productisation works ## An 8-step pipeline — from AI decision to board / compliance view. Every material AI decision flows through the same eight steps. The pipeline is bound to canonical KYE Protocol™ envelopes — no parallel surfaces, no one-off shapes per firm. 1. **1 — AI decision proposed.** The AI agent or operational team proposes an action that classifies as a material AI decision (customer outcome, vulnerability flag, pricing, complaints, suitability, product governance). 2. **2 — KYE™ authority check.** The Action Admissibility™ Gate verifies the named SMF mapping, the SoR coverage, and the delegation chain. No mapping = no action. 3. **3 — Evidence Pack™ assembled.** The runtime emits kye.purpose.request.v1 + kye.purpose.admissibility.v1 + kye.evidence.decision\_map.v1 + kye.evidence.pack.v1 in lockstep. 4. **4 — Authority Finality™ outcome.** The action either commits or is refused. The outcome is bound to the SMF for SC3 reasonable-steps evidence. 5. **5 — SMF mapping recorded.** The named Senior Manager (SMF1/3/18/24 or registered SMF) is recorded on the Evidence Pack™ envelope, signed. 6. **6 — SoR clause bound.** The Statement of Responsibilities clause discharged by the action is bound to the envelope. The clause is queryable per SMF, per quarter, per material-decision class. 7. **7 — Reasonable-steps evidence emitted.** The signed reasonable-steps Evidence Pack™ is sealed and made replay-derivable. Available to the responsible SMF, compliance, audit, and the FCA / PRA on enforcement demand. 8. **8 — Board / compliance view.** The AI-assisted decision register surfaces in the board pack and the compliance dashboard. The SMF reviews quarterly and co-signs the attestation envelope. Framework binding ## Bound to the canonical UK SM&CR regulatory perimeter. The Pack binds the canonical KYE™ artefact set to the UK financial-services regulatory perimeter. Every claim resolves to a control row on the bound framework. | Framework | Control area | Pack coverage | | --- | --- | --- | | UK SM&CR | SUP 10C SMF functions (SMF1 / SMF3 / SMF18 / SMF24) | full | | UK SM&CR | SYSC 25 Statement of Responsibilities (SoR) | full | | UK SM&CR | COCON 2.2 Senior Conduct Rules SC1–SC4 | partial | | UK FCA AI Jan 2026 supervisory approach | Material AI decision triggers (6 categories) | full | | UK FCA Conduct | PRIN 2A Consumer Duty | partial | | UK PRA SS28/15 | Senior Managers Regime governance expectations | partial | Full coverage means every requirement in the control area is bound to a canonical KYE™ rule, dictionary term, or evidence-pack contract. Partial coverage means the bound surface satisfies the control area when paired with the firm’s own attestation envelope. Apply via the Foundry ## Qualified UK financial-services partners — apply through the Foundry. The Senior Manager Authority Pack™ is the first canonical reference template under constitution §54 §13. Productisation is via the KYE™ Sector Pack Foundry™ Build tier; commercial distribution is value-based, qualification-gated, and disclosed under NDA to qualified applicants. [Apply via the Foundry](https://kyeprotocol.com/sector-pack-foundry/apply/) [See the three Foundry tiers](https://kyeprotocol.com/sector-pack-foundry/) [Bound regulatory frameworks](https://kyeprotocol.com/frameworks/) Canonical KYE™ surfaces referenced on this page: [Evidence Pack™](https://kyeprotocol.com/evidence-pack/) · [KYE Protocol™](https://kyeprotocol.com/).