Practising specialists writing for Chief Risk Officers, Chief Actuaries and Directors of Data Governance navigating regulation, capital and AI.
Agentic AI has crossed an operational threshold in offensive cyber. A practical re-read of the FCA, Bank of England and HM Treasury joint statement — and the GTG-1002 disclosure that preceded it.
10 min read · Read the analysis →Bias, drift and explainability are now operational requirements across every AI deployment — not just classical actuarial and credit models. A coverage map for 2026.
10 min read · Read the analysis →Generative AI in a regulated bank or insurer is a model-risk problem, not a chatbot problem. Lineage, evaluation harnesses and challenger review are non-negotiable.
12 min read · Read the analysis →A practitioner's framework for absorbing acquisitions under IFRS 17 — keeping CSM, RA and onerous-contract identification defensible through transition.
11 min read · Read the analysis →The UK's Solvency II divergence — risk margin reduction, matching adjustment expansion and the PRA's investment flexibility — has reshaped the life and BPA P&L. The 2026 question is whether the governance has caught up with the capital.
9 min read · Read the analysis →How shifting landlord economics under the Renters' Rights Act will compress buy-to-let affordability matrices — and what it means for IFRS 9 ECL provisions.
8 min read · Read the analysis →Risk-based lineage that survives reorganisation, vendor swaps and model retraining — the difference between BCBS 239 compliance you can defend and a binder of diagrams.
9 min read · Read the analysis →The Climate Biennial Exploratory Scenario delivered the framework. The 2026 question is whether climate scenario analysis is embedded in capital, underwriting and reserving — or still a parallel exercise.
9 min read · Read the analysis →A confluence of regulatory clarification and BPA demand makes Republic of Ireland MA adoption suddenly viable. We map the path from intent to defensible application.
9 min read · Read the analysis →Three years on from the General Insurance Pricing Practices reforms, the FCA's fair-value review separates the firms operating in good faith from the ones that walked the rules to the line.
8 min read · Read the analysis →The Second System-Wide Exploratory Scenario raises the bar for non-bank lenders. A practical checklist for demonstrating systemic resilience before the next data call.
9 min read · Read the analysis →Computer-vision damage assessment, AI triage and parametric instant payout — separating the production-ready use cases from the live demos.
8 min read · Read the analysis →Buy Now Pay Later finally enters the FCA's regulated perimeter. The credit-bureau, affordability and complaints implications are larger than the consultation made them sound.
7 min read · Read the analysis →