The mechanism?
Metallurgy predicts nothing, but explains everything afterwards. Chemistry... And you want to combine both.
So if you want an explanation, you'll probably get some, like hydroxides building from oxides, or something like ethyl chromate. But will it serve to you?
For a sterile instrument, you don't want any visible effect of corrosion, do you? So that the user can see the instrument is clean. More, you don't want the instrument to release any dirt, for instance because 1/3 of women have allergic reactions to nickel.
So the operational answer would be: take a better steel. Maybe a Duplex, like 2205, or keep an austenitic one but with more chromium, maybe 36% Cr 18% Ni - I didn't check the tables.