Writing & Published Work
Enterprise Risk, Governance, Regulatory Compliance & Financial Services
This page brings together my original articles, multi-part publication series, and work published by banking industry organizations. The writing focuses on practical issues shaping enterprise risk, governance, regulatory compliance, artificial intelligence, product compliance, licensing, and consumer financial services.
Some topics work well as standalone articles. Others require a deeper discussion, so I develop multi-part series that examine the issue from several perspectives and build the analysis progressively.
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 articles on banking, compliance, artificial intelligence, and regulatory risk.
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.