U.S. Regulatory Update: Key Changes for 2025 and Beyond

Bloomberg recently underlined how global regulators are still struggling to keep pace with the rapid adoption of AI across financial institutions. From credit analysis and risk modeling to deal sourcing and execution, AI is transforming how decisions are made yet oversight frameworks remain fragmented and reactive. As someone who has worked across structured lending and leverage advisory, I see a real challenge ahead: ensuring that automation enhances, not replaces, disciplined credit judgment. The next frontier in banking will not just be about smarter algorithms, but about governing intelligence with accountability.

🚀 Innovation vs Governance — are they really at odds? We often think innovation moves fast and governance slows it down — but what if responsible governance is actually the key to scaling innovation with trust? 💡 In today’s rapidly evolving AI landscape, trust isn’t a brake on innovation — it’s the competitive advantage. Looking forward to the panel discussion on “Innovating Responsibly: AI Governance as a Competitive Advantage,” and to hearing both regulator and industry perspectives on how organizations can innovate confidently and responsibly. #AIGovernance #Innovation #ResponsibleAI #Trust #DigitalTransformation #Accenture #SingaporeFinTechFestival

Wrapped up a fantastic two-day conference co-hosted by Europol and the Basel Institute on Governance.   Strong insights on how virtual assets are exploited by criminals and how transparent ledgers, data, and AI can helps to disrupt financial crime. Key takeaways: - Public blockchains are a force multiplier aiding tracing and recovery - Data & AI enhance investigations; while traditional methods still matter - Cross-border collaboration is essential - Continued regulatory alignment remains a priority - Capability, capacity, and speed are critical Thanks to the organisers and speakers for a collaborative, forward-looking programme. #VirtualAssets #FinancialCrime #AML #PublicPrivatePartnership #RegTech

🔐 The SEC is sharpening its lens on AI use by RIA's — are your algorithms defensible? In the U.S. Securities and Exchange Commission’s 2025 exam priorities, emerging technologies are flagged: Examiners will scrutinize whether digital advice, automated tools, and AI-driven recommendations align with client profiles, and whether your disclosures match your operational practices. Alongside that, recent guidance notes that vendor‑oversight and technology risk are elevated concerns. You don’t need perfect, but you do need consistency, documentation, and guardrails today. This week, pick one AI or automation workflow (e.g., your re-balancing logic, model outputs, chatbot‑advisor front-end) and run a “reasonableness check” vs client outcomes. Post which workflow you’ll review, and we’ll share a red‑flag checklist you can use. #RIA-Lawyer.com #RIA #SEC #Fintech #AIinFinance #Compliance #WealthTech

🔐 The SEC is sharpening its lens on AI use by RIA's — are your algorithms defensible? In the U.S. Securities and Exchange Commission’s 2025 exam priorities, emerging technologies are flagged: Examiners will scrutinize whether digital advice, automated tools, and AI-driven recommendations align with client profiles, and whether your disclosures match your operational practices. Alongside that, recent guidance notes that vendor‑oversight and technology risk are elevated concerns. You don’t need perfect, but you do need consistency, documentation, and guardrails today. This week, pick one AI or automation workflow (e.g., your re-balancing logic, model outputs, chatbot‑advisor front-end) and run a “reasonableness check” vs client outcomes. Post which workflow you’ll review, and I’ll share a red‑flag checklist you can use. #RIA-Lawyer.com #RIA #SEC #Fintech #AIinFinance #Compliance #WealthTech

Delighted to contribute to the World Banking Forum panel on the future of credit risk models, alongside fellow panelists Dimitrios Anagnostopoulos (PRM) and Serhii Karaulov, and skillfully moderated by Jarkko Maensivu. We explored how credit risk is evolving beyond traditional scores toward real time behavioural and cash flow data that better capture stability, intent and repayment capacity. We also discussed the ‘Explainability Paradox' in modern models, balancing the gains in predictive power and performance from advanced AI with the need for transparency and compliance. The key takeaway: successful lenders will combine smart AI with strong model governance frameworks to meet regulatory expectations and make credit decisions that are both transparent and responsible. #CreditRisk #ExplainableAI #DigitalBanking #FinancialInnovation #WorldBankingForum

Global Compliance Survey 2025: Data Quality & Surveillance Trends - Nasdaq: Insights from Nasdaq's 2025 Global Compliance Survey, highlighting how firms are prioritizing data quality, surveillance effectiveness and AI.

Global financial regulators are stepping up efforts to monitor the growing risks linked to the rapid adoption of artificial intelligence across the banking and financial sectors. Authorities are increasingly concerned that institutions rely too heavily on the same AI models and specialized hardware, creating potential “herd effects” that could amplify systemic risks. Read more in the following article. https://lnkd.in/dbqZApWM

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🔄 Regulatory change waits for no one. Can you keep up? AI can. In the latest episode of #PULSEPoint, Geoff Parslow MBA from Objectway highlights a common pain point: banks often face tight deadlines to implement regulatory changes and many struggle to move fast enough.🐌 The solution fit for the modern day? Smart platforms that detect regulatory updates and adapt automatically-before anyone even asks. 📽️ Check out the full episode to hear why compliance doesn't have to be just reactive but rather proactive, predictive, and powerful: https://ow.ly/fb8350XgMsA 💬 What was your biggest challenge when it comes to keeping up with regulatory change? Drop your thoughts below! #WealthTech #ComplianceInnovation #RegTech #DigitalTransformation