A financial institution adopts a large language model to assist compliance analysts in reviewing suspicious activity reports (SARs). The model flags potential omissions in analyst-drafted SARs. Six months after deployment, analysts report they trust the model's flags completely and no longer apply independent judgment. What emerging AI risk has materialized?

B is correct because automation bias has caused analysts to stop applying independent judgment, defeating the purpose of the human-in-the-loop design. The model was intended to assist human judgment, not replace it; when humans defer completely to the AI, errors in the AI's flags go uncorrected, and the compliance control is undermined. A (model drift) is possible but not the risk described—the scenario describes human behavioral change, not model performance change. C is incorrect; AI assistance in compliance review is not prohibited, though it requires human oversight. D (data quality) is a separate concern; the scenario describes analyst behavior change.