1. A computer-implemented system to perform model validation of a model for compliance and credit risk, said system comprising: a model input validation area that is contained on a computer system; a model output validation area that is contained on the computer system; a model processing validation area that is contained on the computer system; a handle data structure that is contained on the computer system for connecting the model validation areas with handles that comprise a unified metric; wherein a handle which represents combinations of covariate patterns and describes the joint distribution of risk characteristics; wherein cells containing the handles include subjective assessments of business scenarios.