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categories give risk teams a shared vocabulary.\nData and Privacy Risk\nAI features often move customer data into new places: prompts, uploaded documents, conversation logs, retrieval indexes and fine-tuning sets. Each is a retention and disclosure point. Assess:\nWhat customer data enters the AI system, including sensitive and regulated data, and whether it can be excluded or masked.\nHow long prompts, outputs and derived data (embeddings, logs) are kept, and whether deletion covers them.\nWhether your data is used for training, evaluation or product improvement by the vendor or its model providers.\nWhere processing happens, including cross-border transfers, and which subprocessors touch the data.\nModel Risk\nModels can be wrong with confidence (hallucination), skewed against groups (bias) or degrade as data and context shift (drift). Vendor-side changes add another layer: a provider may retire a model version or update one behind a stable API name, altering behavior your testing never saw. Ask how the vendor evaluates accuracy and bias on tasks like yours, and whether you can pin a version or get advance notice of changes.\nAI Agent and Autonomous Action Risk\nRisk changes shape when AI moves from advising to acting. An assistant that drafts a reply leaves a human as the decision point. An agent that sends emails, modifies records, approves transactions, calls APIs, accesses internal systems or runs workflows turns the AI’s error into the organization’s action, sometimes with no human review at all.\nAgents also concentrate access. In August 2025, attackers stole OAuth tokens tied to the Salesloft Drift AI chat agent’s integrations and used them to pull data from customers’ Salesforce environments, affecting more than 700 organizations according to a FINRA alert. That was a conventional token compromise at the vendor, not a model failure, and that is the point: an AI agent’s integrations put broad access in one place, and your vendor’s security becomes part of your perimeter.\nAsk what each agent can do, with which permissions, under what limits and approvals, and who can switch it off. Adversarial testing of AI agents, meaning testing them the way attackers would approach them, is a reasonable evidence request for any vendor whose AI can act.\nAI Supply-Chain Risk and Fourth-Party AI Risk\nFew AI vendors build everything. A product may depend on a foundation model provider, a cloud platform, open-source models, model APIs, embedding services, vector databases, data providers and external tools. Each dependency is a fourth-party AI risk: a supplier to your supplier that your contract does not reach. NIST’s Generative AI Profile flags this exposure, and the OWASP Top 10 for LLM Applications (2025) lists supply chain as LLM03.\nYour vendor’s model provider can change terms, deprecate a model, suffer an incident or alter data handling, and you may learn late or never. Ask for the dependency map and a commitment to be told when it changes.\nSecurity Risk in AI Systems\nAI adds attack paths conventional testing may not cover:\nPrompt injection. Hidden instructions in emails, web pages or documents make the AI follow an attacker’s commands. OWASP ranks it first in its 2025 LLM list.\nData exfiltration. Models with access to internal data can be steered into leaking it. Researchers disclosed EchoLeak (CVE-2025-32711) in 2025, a zero-click flaw in Microsoft 365 Copilot where a crafted email could lead the assistant to expose internal data. Public reporting indicates Microsoft fixed it server-side, with no in-the-wild exploitation reported. The lesson: no questionnaire would have revealed a flaw in the vendor’s AI layer.\nModel manipulation and jailbreaking. Bypassing safety controls, or tampering with data or components the model relies on.\nInsecure tool use and excessive permissions. OWASP’s Excessive Agency entry (LLM06) describes systems given more functionality, permission or autonomy than they need.\nCross-tenant exposure and malicious inputs. Shared indexes, caches or memory that let one customer’s data surface in another’s session, and crafted files that exploit retrieval pipelines or downstream 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With qualified legal counsel, consider whether your agreements address:\nAI use restrictions and permitted use cases\nData-use limits, including restrictions on training with your data\nSecurity requirements specific to AI, such as testing, isolation and logging\nNotification of new subprocessors and model providers\nNotification of material AI changes (model, capability, autonomy, data use)\nAudit and testing rights, including access to relevant evidence\nAI incident definitions and notification timelines\nAI-specific service levels where measurable\nData deletion, including embeddings and logs, and exit support\nModel and version transparency where appropriate\nTermination rights tied to material AI change or unresolved incidents\nBusiness continuity if a model provider withdraws service\nLiability allocation for AI-caused harm\nThis article is educational and is not legal advice. 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Regulated financial institutions should also map contract terms to their supervisor’s expectations; our overview of AI governance for banks and NBFCs is one place to 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are converging, though legal force differs. Check status and jurisdiction before relying on any of them.\nNIST AI RMF and Generative AI Profile (voluntary, US). The AI Risk Management Framework organizes AI risk work under Govern, Map, Measure and Manage. Its companion Generative AI Profile (NIST AI 600-1) names value chain and component integration as a distinct risk, including nontransparent third-party components and weak supplier vetting.\nISO/IEC 42001 (voluntary, certifiable standard). ISO/IEC 42001 includes a control objective on third-party and customer relationships (Annex A.10), covering allocation of responsibilities and supplier management.\nEU AI Act (binding, EU). Duties are tiered by role and risk. Regulation (EU) 2026/1744, the Digital Omnibus on AI, entered into force on 27 July 2026. Per law-firm analysis, it moved high-risk obligations for Annex III systems to 2 December 2027 and for AI embedded in Annex I regulated products to 2 August 2028. The Act assigns separate duties to providers and deployers, so a provider’s compliance does not by itself discharge yours; counsel should confirm your role classification.\nUS banking supervisors (non-binding guidance). OCC Bulletin 2026-13, issued with the Federal Reserve and FDIC in April 2026, covers vendor and third-party products in model risk management. It sets no enforceable standards, and secondary summaries report that it excludes generative and agentic AI from scope, pointing banks to broader governance for those systems.\nRBI (draft, India). The Reserve Bank of India’s draft Guidance on Regulatory Principles for Model Risk Management, 2026, released 24 June 2026, would cover third-party models and AI/ML models. Law-firm commentary notes entities remain accountable however a model is sourced. 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A financial services firm buys an AI-powered customer service platform from an established SaaS vendor. The vendor holds a current SOC 2 report and an ISO 27001 certificate, answers the security questionnaire cleanly, and clears procurement in a few weeks. (This is an illustrative scenario, not a specific incident.)\nSix months later the vendor moves to a newer foundation model, connects the assistant to the customer’s ticketing and payments systems, and lets it issue refunds without a human review step. No contract clause was breached. No new questionnaire was sent. But the system now operating inside the customer’s environment is not the system that was approved.\nThat gap is the heart of third-party AI risk: the risk an organization inherits when it relies on AI that another organization builds, hosts, updates and controls. Vendor approval is not the same as AI risk approval. 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Guidance from the EU, India and the US banking agencies points in a similar direction: responsibility for outcomes stays with the organization that puts the system to work.\nManaging third-party AI risk means moving beyond the one-time questionnaire toward continuous visibility into what AI is in use and how it changes, evidence over assertion, monitoring after approval and risk-based reassessment. Start modestly: build the inventory, tier by data and autonomy, ask better questions, and write change-notification and disable rights into your contracts. Third-party AI risk management is not a separate program from vendor risk management. It is what that program needs to become.\nTrusys AI works on AI governance, security testing and monitoring for enterprise AI systems. 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Any \"no\" or \"unknown\" on a high-tier system should trigger follow-up.\n☐  Which AI models does the vendor use, and who supplies them?\n☐  Is our data used to train or improve any model?\n☐  Where is our data processed and stored?\n☐  Which subprocessors and model providers receive our data?\n☐  How long are prompts, outputs and logs retained, and can we require deletion?\n☐  Can the underlying model change without notice to us?\n☐  How are model updates tested before rollout?\n☐  What evaluation results exist for accuracy, bias and safety on our use case?\n☐  Does the AI have access to our enterprise systems, and with what permissions?\n☐  What actions can the AI take autonomously?\n☐  Are human approval checkpoints available and configurable?\n☐  Are AI actions logged in a form we can review and export?\n☐  How does the vendor address prompt injection and data exfiltration?\n☐  When was the AI last security or red-team tested, and what was found?\n☐  How does the vendor detect and 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categories give risk teams a shared vocabulary.\nData and Privacy Risk\nAI features often move customer data into new places: prompts, uploaded documents, conversation logs, retrieval indexes and fine-tuning sets. Each is a retention and disclosure point. Assess:\nWhat customer data enters the AI system, including sensitive and regulated data, and whether it can be excluded or masked.\nHow long prompts, outputs and derived data (embeddings, logs) are kept, and whether deletion covers them.\nWhether your data is used for training, evaluation or product improvement by the vendor or its model providers.\nWhere processing happens, including cross-border transfers, and which subprocessors touch the data.\nModel Risk\nModels can be wrong with confidence (hallucination), skewed against groups (bias) or degrade as data and context shift (drift). Vendor-side changes add another layer: a provider may retire a model version or update one behind a stable API name, altering behavior your testing never saw. Ask how the vendor evaluates accuracy and bias on tasks like yours, and whether you can pin a version or get advance notice of changes.\nAI Agent and Autonomous Action Risk\nRisk changes shape when AI moves from advising to acting. An assistant that drafts a reply leaves a human as the decision point. An agent that sends emails, modifies records, approves transactions, calls APIs, accesses internal systems or runs workflows turns the AI’s error into the organization’s action, sometimes with no human review at all.\nAgents also concentrate access. In August 2025, attackers stole OAuth tokens tied to the Salesloft Drift AI chat agent’s integrations and used them to pull data from customers’ Salesforce environments, affecting more than 700 organizations according to a FINRA alert. That was a conventional token compromise at the vendor, not a model failure, and that is the point: an AI agent’s integrations put broad access in one place, and your vendor’s security becomes part of your perimeter.\nAsk what each agent can do, with which permissions, under what limits and approvals, and who can switch it off. Adversarial testing of AI agents, meaning testing them the way attackers would approach them, is a reasonable evidence request for any vendor whose AI can act.\nAI Supply-Chain Risk and Fourth-Party AI Risk\nFew AI vendors build everything. A product may depend on a foundation model provider, a cloud platform, open-source models, model APIs, embedding services, vector databases, data providers and external tools. Each dependency is a fourth-party AI risk: a supplier to your supplier that your contract does not reach. NIST’s Generative AI Profile flags this exposure, and the OWASP Top 10 for LLM Applications (2025) lists supply chain as LLM03.\nYour vendor’s model provider can change terms, deprecate a model, suffer an incident or alter data handling, and you may learn late or never. Ask for the dependency map and a commitment to be told when it changes.\nSecurity Risk in AI Systems\nAI adds attack paths conventional testing may not cover:\nPrompt injection. Hidden instructions in emails, web pages or documents make the AI follow an attacker’s commands. OWASP ranks it first in its 2025 LLM list.\nData exfiltration. Models with access to internal data can be steered into leaking it. Researchers disclosed EchoLeak (CVE-2025-32711) in 2025, a zero-click flaw in Microsoft 365 Copilot where a crafted email could lead the assistant to expose internal data. Public reporting indicates Microsoft fixed it server-side, with no in-the-wild exploitation reported. The lesson: no questionnaire would have revealed a flaw in the vendor’s AI layer.\nModel manipulation and jailbreaking. Bypassing safety controls, or tampering with data or components the model relies on.\nInsecure tool use and excessive permissions. OWASP’s Excessive Agency entry (LLM06) describes systems given more functionality, permission or autonomy than they need.\nCross-tenant exposure and malicious inputs. Shared indexes, caches or memory that let one customer’s data surface in another’s session, and crafted files that exploit retrieval pipelines or downstream 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are converging, though legal force differs. Check status and jurisdiction before relying on any of them.\nNIST AI RMF and Generative AI Profile (voluntary, US). The AI Risk Management Framework organizes AI risk work under Govern, Map, Measure and Manage. Its companion Generative AI Profile (NIST AI 600-1) names value chain and component integration as a distinct risk, including nontransparent third-party components and weak supplier vetting.\nISO/IEC 42001 (voluntary, certifiable standard). ISO/IEC 42001 includes a control objective on third-party and customer relationships (Annex A.10), covering allocation of responsibilities and supplier management.\nEU AI Act (binding, EU). Duties are tiered by role and risk. Regulation (EU) 2026/1744, the Digital Omnibus on AI, entered into force on 27 July 2026. Per law-firm analysis, it moved high-risk obligations for Annex III systems to 2 December 2027 and for AI embedded in Annex I regulated products to 2 August 2028. The Act assigns separate duties to providers and deployers, so a provider’s compliance does not by itself discharge yours; counsel should confirm your role classification.\nUS banking supervisors (non-binding guidance). OCC Bulletin 2026-13, issued with the Federal Reserve and FDIC in April 2026, covers vendor and third-party products in model risk management. It sets no enforceable standards, and secondary summaries report that it excludes generative and agentic AI from scope, pointing banks to broader governance for those systems.\nRBI (draft, India). The Reserve Bank of India’s draft Guidance on Regulatory Principles for Model Risk Management, 2026, released 24 June 2026, would cover third-party models and AI/ML models. Law-firm commentary notes entities remain accountable however a model is sourced. 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are converging, though legal force differs. Check status and jurisdiction before relying on any of them.\nNIST AI RMF and Generative AI Profile (voluntary, US). The AI Risk Management Framework organizes AI risk work under Govern, Map, Measure and Manage. Its companion Generative AI Profile (NIST AI 600-1) names value chain and component integration as a distinct risk, including nontransparent third-party components and weak supplier vetting.\nISO/IEC 42001 (voluntary, certifiable standard). ISO/IEC 42001 includes a control objective on third-party and customer relationships (Annex A.10), covering allocation of responsibilities and supplier management.\nEU AI Act (binding, EU). Duties are tiered by role and risk. Regulation (EU) 2026/1744, the Digital Omnibus on AI, entered into force on 27 July 2026. Per law-firm analysis, it moved high-risk obligations for Annex III systems to 2 December 2027 and for AI embedded in Annex I regulated products to 2 August 2028. The Act assigns separate duties to providers and deployers, so a provider’s compliance does not by itself discharge yours; counsel should confirm your role classification.\nUS banking supervisors (non-binding guidance). OCC Bulletin 2026-13, issued with the Federal Reserve and FDIC in April 2026, covers vendor and third-party products in model risk management. It sets no enforceable standards, and secondary summaries report that it excludes generative and agentic AI from scope, pointing banks to broader governance for those systems.\nRBI (draft, India). The Reserve Bank of India’s draft Guidance on Regulatory Principles for Model Risk Management, 2026, released 24 June 2026, would cover third-party models and AI/ML models. Law-firm commentary notes entities remain accountable however a model is sourced. It is still a draft; comments closed 24 July 2026, and we found no final version.\nDifferent instruments, one message: outsourcing the model does not outsource 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categories give risk teams a shared vocabulary.\nData and Privacy Risk\nAI features often move customer data into new places: prompts, uploaded documents, conversation logs, retrieval indexes and fine-tuning sets. Each is a retention and disclosure point. Assess:\nWhat customer data enters the AI system, including sensitive and regulated data, and whether it can be excluded or masked.\nHow long prompts, outputs and derived data (embeddings, logs) are kept, and whether deletion covers them.\nWhether your data is used for training, evaluation or product improvement by the vendor or its model providers.\nWhere processing happens, including cross-border transfers, and which subprocessors touch the data.\nModel Risk\nModels can be wrong with confidence (hallucination), skewed against groups (bias) or degrade as data and context shift (drift). Vendor-side changes add another layer: a provider may retire a model version or update one behind a stable API name, altering behavior your testing never saw. Ask how the vendor evaluates accuracy and bias on tasks like yours, and whether you can pin a version or get advance notice of changes.\nAI Agent and Autonomous Action Risk\nRisk changes shape when AI moves from advising to acting. An assistant that drafts a reply leaves a human as the decision point. An agent that sends emails, modifies records, approves transactions, calls APIs, accesses internal systems or runs workflows turns the AI’s error into the organization’s action, sometimes with no human review at all.\nAgents also concentrate access. In August 2025, attackers stole OAuth tokens tied to the Salesloft Drift AI chat agent’s integrations and used them to pull data from customers’ Salesforce environments, affecting more than 700 organizations according to a FINRA alert. That was a conventional token compromise at the vendor, not a model failure, and that is the point: an AI agent’s integrations put broad access in one place, and your vendor’s security becomes part of your perimeter.\nAsk what each agent can do, with which permissions, under what limits and approvals, and who can switch it off. Adversarial testing of AI agents, meaning testing them the way attackers would approach them, is a reasonable evidence request for any vendor whose AI can act.\nAI Supply-Chain Risk and Fourth-Party AI Risk\nFew AI vendors build everything. A product may depend on a foundation model provider, a cloud platform, open-source models, model APIs, embedding services, vector databases, data providers and external tools. Each dependency is a fourth-party AI risk: a supplier to your supplier that your contract does not reach. NIST’s Generative AI Profile flags this exposure, and the OWASP Top 10 for LLM Applications (2025) lists supply chain as LLM03.\nYour vendor’s model provider can change terms, deprecate a model, suffer an incident or alter data handling, and you may learn late or never. Ask for the dependency map and a commitment to be told when it changes.\nSecurity Risk in AI Systems\nAI adds attack paths conventional testing may not cover:\nPrompt injection. Hidden instructions in emails, web pages or documents make the AI follow an attacker’s commands. OWASP ranks it first in its 2025 LLM list.\nData exfiltration. Models with access to internal data can be steered into leaking it. Researchers disclosed EchoLeak (CVE-2025-32711) in 2025, a zero-click flaw in Microsoft 365 Copilot where a crafted email could lead the assistant to expose internal data. Public reporting indicates Microsoft fixed it server-side, with no in-the-wild exploitation reported. The lesson: no questionnaire would have revealed a flaw in the vendor’s AI layer.\nModel manipulation and jailbreaking. Bypassing safety controls, or tampering with data or components the model relies on.\nInsecure tool use and excessive permissions. OWASP’s Excessive Agency entry (LLM06) describes systems given more functionality, permission or autonomy than they need.\nCross-tenant exposure and malicious inputs. Shared indexes, caches or memory that let one customer’s data surface in another’s session, and crafted files that exploit retrieval pipelines or downstream 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