The business line proposes replacing the existing logistic regression credit scorecard with a highly accurate XGBoost machine learning model. As a model validator, besides accuracy, what risks of this new model worry you the most? What specific test results would you require before approving it?

业务部门提议用一个预测准确率极高的XGBoost机器学习模型，替换现有的逻辑回归信用评分卡。作为模型验证（Model Validation）人员，除了看准确率，你最担心这个新模型的哪些风险？你会要求他们提供什么测试才能放行？