A risk manager is evaluating an AI system that assigns individual risk scores to millions of customers daily. The system uses an ensemble of 47 models. Which risk does this level of complexity introduce that a simpler model would not?
Select an answer to reveal the explanation.
Short Explanation
Here's the deal — you're looking at an ensemble of 47 models, and that complexity makes it much harder to explain, audit, or challenge why one customer got one score. Simpler models give you a clearer trail.
Full Explanation
The correct risk is increased opacity and difficulty auditing, explaining, and challenging individual score assignments. Ensemble complexity creates interpretability and auditability challenges. Understanding why a specific customer received a specific score requires tracing through 47 models' contributions, making explanation, challenge, and audit far more difficult than with a simpler model. Higher API costs from multiple simultaneous model calls is an infrastructure cost consideration. Greater susceptibility to underfitting due to model averaging effects is incorrect because ensembles typically outperform single models. Regulatory prohibition on ensemble models in consumer financial services is not accurate.