Fractional Chief AI Officer (vCAIO) — Regulated Industries

Gartner's 2025 CAIO Agenda projects 75% of enterprises will require a CAIO-equivalent role by 2026. Full-time CAIO compensation runs $400K–$1.5M+. Mid-market regulated-industry enterprises ($500M–$5B) can't justify the hire — but boards are demanding accountable AI governance leadership. Zero AWS Marketplace listings offer Fractional CAIO (vCAIO) retainer services today. Kriv AI is first. 2026 outcome-based pricing on Marketplace unlocks the monthly retainer model — and Kriv CEO Abhinav Dangri delivers the retainer directly.

Every regulated-industry mid-market CEO, CFO, CRO, and Board Chair faces the same governance gap: Board Risk Committee demands AI risk visibility but there's no accountable owner; Model Risk Management (SR 11-7) function exists for traditional models but doesn't cover AI / agentic AI; NAIC Model Bulletin on AI requires a dedicated AI governance leader; HIPAA AI governance requires dedicated AI Privacy / Security leadership; vendor AI risk (OpenAI, Anthropic, Bedrock, Q Business, Claude for Enterprise, Copilot, Gemini) is unmanaged; regulator-inquiry posture is weak (no structured response for FDA 483, FINRA 8210, OCC MRA, NAIC Market Conduct, HHS OCR, EU AI Office); post-M&A AI integration lacks strategic leadership; investor / board AI-scorecard reporting doesn't exist. These are CAIO-shaped holes — and most mid-market enterprises can't fill them full-time.

vCAIO scope. AI Strategy (roadmap with quarterly refresh, capital allocation, portfolio review). Model Governance Committee Chair (monthly MGC; tier classification per SR 11-7 / NAIC / HIPAA; model inventory; RACI). Vendor AI Risk Oversight (TPRM interface, vendor scorecard, contract-renewal review). Board Reporting (quarterly committee AI update; annual AI scorecard; pre-IPO / M&A diligence). Regulator Liaison (FDA / FINRA / OCC / FRB / NCUA / NAIC / NYDFS / HHS OCR / EU AI Office / state DOI correspondence + response authoring). AI Risk Management (risk register, incident response, MRA/MRIA remediation). Executive Advisor (CEO / CFO / Board Chair / CRO office-hours; crisis-response). Policy Authoring (AUP, content-disclosure, model-risk, vendor-AI). Stakeholder Communication (internal audit, IR briefing, employee comms review).

Tier cadence. Foundation 2 days/month — monthly executive standup, half-day MGC chair, board-prep session (if quarterly board approaching), office hours + vendor reviews. Standard 4 days/month adds twice-monthly MGC, monthly CISO / CCO 1:1, quarterly regulator-review session, full board meeting attendance, vendor-review sprints. Enterprise 8 days/month adds weekly executive standup, weekly MGC, quarterly half-day offsite, 4-hour response SLA for regulator / incident events, full board-of-directors presentation attendance, dedicated Slack / Teams / email channel, pre-IPO / M&A diligence authoring.

Three tiers (monthly retainer, 12-month minimum). Foundation $8K/mo (2 days/mo + $15K onboarding) — mid-market regulated ($500M–$1B) or AI-native Series B with regulated customer base. Standard $16K/mo (4 days/mo + $15K onboarding) — $1B–$3B mid-market regulated, AI-native Series C–D, hospital systems / regional banks / regional payers. Enterprise $28K/mo (8 days/mo + $15K onboarding) — $3B–$5B mid-to-large regulated, smaller Fortune 1000, post-Series D AI-native with board / investor AI-scorecard demands.

One-time onboarding ($15,000, 30 days). AI inventory; board-reporting template; first MGC charter; AI policy baseline (AUP, content-disclosure, model-risk, vendor-AI); regulator-correspondence-response playbook; executive-communication cadence.

Important disclosures. Kriv does NOT replace a full-time CAIO (complements or precedes — transitions out per Customer timeline). Does NOT act as fiduciary (fiduciary responsibilities remain with Board + executive team). Does NOT sign regulatory attestations on Customer's behalf. No legal / regulatory / clinical / actuarial opinions. Does NOT replace independent Model Risk Management (MRM) function — Kriv chairs MGC; independent validation remains Customer function. No regulator outcome guarantee. Retainer is AI-specific — for broader CTO + technology leadership, route to live N1 Fractional CTO & CAIO. Monthly fees invoiced in advance; 12-month minimum; 90-day written notice for post-minimum termination; onboarding $15K non-refundable once commenced. Outcomes depend on Customer executive sponsorship continuity. Anthropic CPN membership (April 9, 2026) — CPN partner, not Anthropic-authorized reseller.