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Book · Available Now · Published March 2026

Work with AI

Foundation

Many professionals who try AI get inconsistent results — not because the technology failed, but because this is genuinely new. The mental model for operating it reliably had to be built from first principles, not inherited from anything that came before.

Paperback · 42 pages · ISBN 978-1-0696203-1-6 · AVA Credit Inc.

Work withAI
Foundation Matthew Dobson
2019 In the AI Field
Thousands of Professionals Trained
Universal Positive Response Rate
5 Concepts. One Architecture.
About the Book

The mental model. Built from first principles.

This book answers one question: what does a professional need to understand to work effectively with AI? The answer is not technical. It is a mental model — five elements, one sequence. Written for knowledge workers, regulated professionals, executives, and front-line teams.

Format Paperback · 42 pages
Author Matthew Dobson
Publisher AVA Credit Inc. · Toronto, Canada
Edition First Edition — March 2026
The Gap

This is genuinely new.

“Developed through years of operationalizing AI across live credit transactions — not in theory. In production, with real capital, real decisions, and real accountability at every stage.”

That experience demanded first principles reasoning: strip away assumption, identify what is irreducibly true about how humans and AI work together, and build only from there. The result is an architecture that holds regardless of which tools you use or how the technology evolves. Five elements. One sequence. Learned once. Applied indefinitely.

What Professionals Said

In-Meeting Chat 47 participants
AI Essentials — Live Session
Gary10:04 AM
no cap
Eddy C.10:06 AM
Recharge your phone… how can you not want this in your biz right now!
Sherwin10:07 AM
Eye opening presentation!
Pam10:08 AM
Perfect sense..!
Nicole O.10:09 AM
Would love to participate in further sessions!
Dennis W.10:10 AM
Definitely has given me direction. Thank you very much.
Johne10:11 AM
the session was amazing thank you
Ashley P.10:12 AM
This was great. Very exciting. Thanks so much!
Marcus10:13 AM
👏👏👏
Trish P.10:14 AM
Awesome content! Thank you so much 🙌
Chris M.10:15 AM
Great presentation Matthew. Bravo
Sarah10:16 AM
This just clicked. I’ve been using AI wrong for a year and this fixed it in an hour.
Jennifer R.10:17 AM
yes!!
Christine10:18 AM
I didn’t think I was a tech person. Turns out I just needed someone to explain it in plain language.
Kevin10:19 AM
Genuinely the best hour I’ve spent on AI. No hype, no fluff. Just how it actually works.
Raj10:20 AM
🔥
David10:21 AM
Speed and precision. That’s exactly what this gave me. Results are night and day.
Lisa M.10:22 AM
This is the first AI training that didn’t make me feel behind. It made me feel capable.
Michelle10:23 AM
The RGI framework is so clean. Retrieve, Generate, Interact — that’s everything.
Paul K.10:24 AM
Sharing this with my whole team Monday morning.
Anita10:25 AM
The captain and copilot framing is exactly how I needed to hear this.
Derek10:26 AM
First principles. That’s what was missing. Now I have it.
Sandra10:27 AM
When’s the next session?? I’m bringing 3 colleagues.
Tanya W.10:28 AM
👏👏
Gary10:04 AM
no cap
Eddy C.10:06 AM
Recharge your phone… how can you not want this in your biz right now!
Sherwin10:07 AM
Eye opening presentation!
Pam10:08 AM
Perfect sense..!
Nicole O.10:09 AM
Would love to participate in further sessions!
Dennis W.10:10 AM
Definitely has given me direction. Thank you very much.
Johne10:11 AM
the session was amazing thank you
Ashley P.10:12 AM
This was great. Very exciting. Thanks so much!
Marcus10:13 AM
👏👏👏
Trish P.10:14 AM
Awesome content! Thank you so much 🙌
Chris M.10:15 AM
Great presentation Matthew. Bravo
Sarah10:16 AM
This just clicked. I’ve been using AI wrong for a year and this fixed it in an hour.
Jennifer R.10:17 AM
yes!!
Christine10:18 AM
I didn’t think I was a tech person. Turns out I just needed someone to explain it in plain language.
Kevin10:19 AM
Genuinely the best hour I’ve spent on AI. No hype, no fluff. Just how it actually works.
Raj10:20 AM
🔥
David10:21 AM
Speed and precision. That’s exactly what this gave me. Results are night and day.
Lisa M.10:22 AM
This is the first AI training that didn’t make me feel behind. It made me feel capable.
Michelle10:23 AM
The RGI framework is so clean. Retrieve, Generate, Interact — that’s everything.
Paul K.10:24 AM
Sharing this with my whole team Monday morning.
Anita10:25 AM
The captain and copilot framing is exactly how I needed to hear this.
Derek10:26 AM
First principles. That’s what was missing. Now I have it.
Sandra10:27 AM
When’s the next session?? I’m bringing 3 colleagues.
Tanya W.10:28 AM
👏👏

Live chat captured during AI Essentials sessions · Dominion Lending Centres

The Framework

Five concepts. One sequence. The complete mental model.

Designed to be learned once and applied indefinitely.

Who
Ground Zero

Not a metaphor — the precise definition of an operational relationship. Expertise, judgment, and accountability stay with you. Speed, scale, and computational prowess belong to the machine.

What
The Interface

The revolution is not automation. It is the interface. For the first time, professionals communicate with machines in plain language and are understood. Your edge is clarity of thought.

Do
The Playbook

Retrieve. Generate. Interact. The RGI Framework is a taxonomy of work, not a catalog of tools. When you know what AI does at its core, you stop guessing and start directing.

How
The Skill

AI capability is essentially unlimited. AI knowledge of your specific situation is essentially zero. The gap is bridged entirely by communication quality. Goal + Context + Format + Reference + Refine.

Why
The Outcome

Before AI, professionals chose between speed and precision constantly. That trade-off is gone. Both together is the earned outcome — not promised, earned — when the mental model executes correctly.

Designed to hold regardless of what comes next.

Every chapter traces back to a real deployment, a real training session, or a real conversation with a professional trying to make AI work. This is not theory. It is the architecture — proven in production, designed to be learned once and applied indefinitely.

$20 · Paperback · Ships from Amazon

The Architecture

“One human, one tool, working together. That is the foundation everything in this book builds from.”

This is not a collection of tips. It is not a catalog of features. It is a single coherent system. The architecture is minimal and complete. The sequence is deliberate. The outcome is earned.

About the Author

“He read the paper. Within two months, he filed the AI Credit® trademark — December 2017.”

After two decades in commercial lending at GE Capital and TD Bank, Matthew Dobson served as Chief Credit Officer and built AI tools across hundreds of live transactions. Real capital. Real decisions. Real accountability. In 2025 he delivered AI Essentials training to thousands of licensed mortgage professionals across Canada under an enterprise contract with Dominion Lending Centres Group (TSX: DLCG), achieving a universal positive response rate to the core concepts. That same year he was selected for the inaugural Perplexity AI Business Fellowship alongside executives from NVIDIA and the world’s most consequential technology companies.

Work with AI

A platform built by professionals,
for professionals.

This platform is for the professional who seeks a reliable way to use AI to achieve speed and precision within their field of expertise — and who is ready to Work with AI to do what they have always done: serve clients and stakeholders with the expertise and accountability that only a human professional can deliver.

Be Curious.

AVA Credit Inc.
AVA Credit Inc.
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