Risk & RegTech
Capital rules, supervision, model risk and the technology that turns compliance from a cost centre into a capability.
The 2025 regulatory reset
From the SVB aftershock to the Basel endgame rewrite: a year in which the rulebook moved, and how technology leaders should respond to each change.
View the series →- 01Navigating the Ripple: How the SVB Ripple Effect is Shaping Global Banking Strategies
- 02Regulatory Shifts in Crypto: Transformative Times for Global Finance
- 03Breaking the Bank's Playbook: Trump's 'Debanking' Order and the Tech Imperative
- 04Bank Exams Axed: A Double-Edged Sword for Tech Leaders
- 05Basel Endgame Reboot: Turning Capital Rules into Digital Advantage
All on Risk & RegTech
Amex's $350m AML penalty puts card flows inside the risk assessment
US regulators found American Express missed about $13bn of suspected trade-based laundering because its AML programme was built around deposits, not the card business.
US open banking is about to get a price. Banks should set it well
The CFPB's rewrite of the Section 1033 rule is heading for review with data-access fees on the table. The banks that design fair pricing will shape what follows.
Before you switch on a vendor's AI agent: a five-step check
Core and technology providers are now shipping AI agents that act inside banks' systems. Here is what to establish before the first one goes live.
The Basel endgame re-proposal: lower capital, one calculation
US regulators' March proposals cut capital requirements modestly and simplify the framework, while pulling unrealised losses into capital for large regional banks.
Turning Treasury's AI risk framework into a working programme
The new financial services AI risk framework has 230 control objectives. Here is how to adopt it without drowning in them.
A 10% card rate cap would reprice risk, not remove it
The proposed cap on credit card interest is unlikely to become binding soon. Card issuers should still use it to stress-test who they lend to and why.
The OCC opens the national charter door to five crypto firms
Conditional trust charters for Circle, Ripple, BitGo, Fidelity Digital Assets and Paxos put digital-asset firms inside the federal perimeter.
Europe's payment reform makes fraud a bank balance-sheet line
The PSD3 and PSR deal moves impersonation fraud losses onto banks and, for the first time, onto platforms. Fraud prevention becomes a P&L discipline.
Basel Endgame Reboot: Turning Capital Rules into Digital Advantage
In late 2025, U.S. regulators signaled a dramatic pivot on Basel III capital rules, promising a much more industry-friendly rewrite by early 2026. This move could free up billions for banks instead of locking them into reserves. For CIOs and fintech leaders, it's a tech-driven inflection point; time to upgrade risk data platforms and analytics to turn regulatory relief into strategic advantage.
Bank Exams Axed: A Double-Edged Sword for Tech Leaders
In a bold regulatory shift, U.S. regulators have pared down bank exams to focus strictly on capital and liquidity, dropping checks on climate change, diversity and reputation risk. Banks may breathe easier – but tech and digital leaders must see both opportunity and risk. With less external scrutiny, internal systems and analytics become the primary line of defense, turning compliance into innovation.
Breaking the Bank's Playbook: Trump's 'Debanking' Order and the Tech Imperative
President Trump’s latest executive order has plunged banking regulation into controversy, demanding an end to so-called 'debanking' and the removal of 'reputational risk' from official guidance. Tech leaders face an unusual challenge: realigning compliance systems and customer onboarding processes to embed transparency and neutrality at every step.
Regulatory Shifts in Crypto: Transformative Times for Global Finance
The financial horizon is changing with new regulations in crypto. How will these impact the banking sector?
Navigating the Ripple: How the SVB Ripple Effect is Shaping Global Banking Strategies
As global banks reevaluate strategies post-SVB collapse, what are the impending challenges and tech-driven opportunities? This article dives deep into pivotal considerations for BFSI leaders.