Development moved faster this year. Most quality engineering functions did not move with it. Here is how to tell if yours is one of them. Ask most CIOs, CTOs, and Heads of Engineering at regional and challenger banks whether their development teams got faster this... View
Banks increasingly consume AI through vendor APIs, SaaS platforms, cloud services, and embedded features. Proprietary architecture can limit visibility, but it does not transfer accountability. SR 26-2 states that model risk principles remain applicable to vendor... View
Traditional AI governance assumes a model produces an output that a person reviews. Agentic AI can retrieve data, call tools, update records, route cases, and execute multiple steps before a human sees the result. The auditable unit is no longer one model output. It... View
SR 26-2 replaces long-standing US model risk guidance with a more explicitly risk-based and proportionate approach. It is expected to be most relevant to institutions above $30 billion in assets, but may also matter to smaller banks with significant model exposure.... View
Banks can launch dozens of AI projects without becoming AI-first. Enterprise advantage appears when deployments share an architecture for data trust, model trust, system trust, and outcome trust. This foundation lets intelligence move from the edges into core... View
Every regional bank CIO has sat through the same board meeting. Someone forwards an article about a money-center bank’s new machine learning platform. Someone else asks, not unkindly, why the bank doesn’t have something like it. The CIO explains, again, that the bank in the article spent more than a decade rebuilding its entire technology […]
Part 2 of 2. A seven-gate test for moving AI from pilot to production in regional banks. Part 1 sets the operating model these gates sit inside. The demo worked. The steering committee clapped. Eighteen months later, it’s still a demo. Plenty of regional banks will recognize that timeline. A Wolf & Company survey from […]
Part 1 of 2 – A right-sized AI operating model for regional and community banks: six choices, tiered governance and a 90-day start. Part 2 sets the production gates every use case has to clear. Take a Tier 1 AI strategy and cut the budget by 90%. What’s left can’t staff itself, can’t govern itself […]