Executive Insights
Perspectives on Enterprise Risk, Governance & Compliance
Executive Insights is my platform for sharing perspective on the issues shaping enterprise risk, governance, and regulatory compliance in financial services. It explores Enterprise Risk, Governance, Regulatory Compliance, Artificial Intelligence, Product Compliance, Licensing, Consumer Financial Services, and other topics shaping the industry.
Some subjects can be addressed effectively in a single article. Others deserve a deeper conversation. When a topic is significant enough to warrant sustained discussion, I publish it as a multi-part executive series that examines the issue from several perspectives rather than compressing it into a single piece.
This approach allows readers to build knowledge progressively, while providing a more comprehensive discussion than a single article could offer.
Multi-part executive series that examine a significant topic from several perspectives, published over time.
A three-part executive series exploring how financial institutions can build practical, scalable AI governance programs that strengthen innovation, regulatory readiness, and enterprise risk management.
Explore the SeriesStandalone executive perspectives on banking compliance topics.
The CFPB's recent amendments to Regulation B narrowed disparate-impact enforcement. For institutions accelerating AI adoption, the governance burden may actually become heavier, not lighter.
AI does not remove fair lending risk. It can magnify it, accelerate it, and bury it inside a model where management may not see the problem until someone else does.
California expectations often form before formal rules are finalized. Fee governance, DFPI oversight, digital assets, AI governance, and community investment; where attention is already being paid.
Banks navigating SBA lending today face faster origination expectations, more sophisticated fraud schemes, and heightened documentation standards. The goal is not to slow lending. It is to strengthen it.