This Perspective by Ben Chester Cheong (Singapore University of Social Sciences & Cambridge) offers a comprehensive legal–ethical review of transparency and accountability challenges in AI systems governing human wellbeing . It structures the discussion into four pillars—technical explainability methods, regulatory frameworks, ethical safeguards, and multi‑stakeholder collaboration—highlighting how each area plays a vital role in ensuring trust and societal resilience. Legal professionals will appreciate its actionable framework that bridges tech, ethics, and governance, making it a timely resource amid emerging regulations like GDPR “right to explanation” and EU AI Act mandates. By offering strategic clarity and policy cohesion, this article equips lawyers, compliance leaders, and policymakers with tools to embed transparency and accountability into AI systems that shape lives—making it a must‑read for anyone advising on responsible AI deployment.