A CTO asked me: "We can't stop using AI to code. So what's the actual checklist before production?" Here's the framework: four layers every AI-generated system must pass. Layer 1: Structural integrity (ISO 5055). Layer 2: Security auditing (SAST/DAST/SBOM). Layer 3: Compliance verification (GDPR/HIPAA/PCI-DSS). Layer 4: Human review (engineer + compliance officer). Skip one layer? You're gambling your business. Real cases: Babylon Health, Digit, RealPage—all failed basic gove