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Riskinfo.ai: Revolutionizing Risk, Regulations, and AI Knowledge Sharing
Revolutionizing Risk, Regulations, and AI: Introducing Riskinfo.ai
Introducing Riskinfo.ai: Your Go-To Resource for Risk, Regulations, and AI
Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
Chih Chen
May 8, 2025
The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
David Withnell
Apr 21, 2025
FRTB compliance: Options for banks with small trading books in the United Arab Emirates
The Fundamental Review of the Trading Book (FRTB) is a flagship market risk regulation that is a game changer for financial institutions. For FRTB compliance, banks in the United Arab Emirates (UAE) have a choice between the Internal Model Approach (IMA) and the Standardised Approach (SA). Within the SA, banks can use the advanced approach based on risk sensitivities or a simplified standardised approach (SSA). The decision for FRTB compliance should be thought through care
Ram Ananth
Mar 23, 2025
Wings , Stress Testing & the CEO
A story 📖 Imagine you have a new idea. It could be great – some sort of innovation , or new project type, something that the client...
Anna Slodka-Turner
Mar 6, 2025
Integrating AI and Human Expertise in Strategic Risk Management – the Cyborg Approach
There are many developments concerning AI products that rattle the markets such as DeepSeek unveiling, , allegations of cheating ,...
Alla Gil
Feb 10, 2025
EDITOR'S PICK
EDITOR'S PICK
Deep Learning Based Prepayment Modeling Approach
Table of Content Executive Summary Problem Description and Justification 1.1 The Business Problem: Predicting Mortgage Prepayment Probability 1.2 Data Strategy 1.3 Limitations of Traditional Linear Models 1.4 Justification for Deep Learning Architecture Architectural Design using Dense Neural Networks 2.1 Conceptual Design: Multi-Layer Perceptron (MLP) 2.2 Activation Functions Optimization and Training Strategy 3.1 Gradient Descent and Back-Propagation 3.2 Fast Convergence: T
ASHISH KUMAR
Feb 3
Regulatory Updates Newsletter: January 2026
Welcome to the January 2026 edition of our Regulatory Newsletter. The year has opened with regulators moving quickly on familiar pressure points, particularly financial crime, operational resilience, and technology governance. This month’s updates include the UK Prudential Regulation Authority setting out its 2026 supervisory priorities for international banks, alongside U.S. action to strengthen AML tools to prevent large-scale fraud in public benefit programs and the F CA’
Staff Correspondent
Feb 1
The AI-First GCC: Why Offshore Banking Hubs Must Reinvent Work Now
G lobal Capability Centers (GCCs) in India have powered banking for the last 2 decades by delivering cost efficiency at scale through its deep, high-quality talent pools that offered abundant, technically strong and English-proficient talent across IT and operations. In India alone, there are currently c1,800 GCCs supported by about 1.9 million professionals with a cost base of $64.6b according to Nasscom, with that number expected to touch 2,000 GCCs with 2.8m professionals
Anil Nayak
Jan 29
RECENT POSTS
Deep Learning Based Prepayment Modeling Approach
Table of Content Executive Summary Problem Description and Justification 1.1 The Business Problem: Predicting Mortgage Prepayment Probability 1.2 Data Strategy 1.3 Limitations of Traditional Linear Models 1.4 Justification for Deep Learning Architecture Architectural Design using Dense Neural Networks 2.1 Conceptual Design: Multi-Layer Perceptron (MLP) 2.2 Activation Functions Optimization and Training Strategy 3.1 Gradient Descent and Back-Propagation 3.2 Fast Convergence: T
ASHISH KUMAR
Feb 3
Regulatory Updates Newsletter: January 2026
Welcome to the January 2026 edition of our Regulatory Newsletter. The year has opened with regulators moving quickly on familiar pressure points, particularly financial crime, operational resilience, and technology governance. This month’s updates include the UK Prudential Regulation Authority setting out its 2026 supervisory priorities for international banks, alongside U.S. action to strengthen AML tools to prevent large-scale fraud in public benefit programs and the F CA’
Staff Correspondent
Feb 1
The AI-First GCC: Why Offshore Banking Hubs Must Reinvent Work Now
G lobal Capability Centers (GCCs) in India have powered banking for the last 2 decades by delivering cost efficiency at scale through its deep, high-quality talent pools that offered abundant, technically strong and English-proficient talent across IT and operations. In India alone, there are currently c1,800 GCCs supported by about 1.9 million professionals with a cost base of $64.6b according to Nasscom, with that number expected to touch 2,000 GCCs with 2.8m professionals
Anil Nayak
Jan 29
Deep Learning Based Prepayment Modeling Approach
Table of Content Executive Summary Problem Description and Justification 1.1 The Business Problem: Predicting Mortgage Prepayment Probability 1.2 Data Strategy 1.3 Limitations of Traditional Linear Models 1.4 Justification for Deep Learning Architecture Architectural Design using Dense Neural Networks 2.1 Conceptual Design: Multi-Layer Perceptron (MLP) 2.2 Activation Functions Optimization and Training Strategy 3.1 Gradient Descent and Back-Propagation 3.2 Fast Convergence: T
ASHISH KUMAR
Feb 3
Regulatory Updates Newsletter: January 2026
Welcome to the January 2026 edition of our Regulatory Newsletter. The year has opened with regulators moving quickly on familiar pressure points, particularly financial crime, operational resilience, and technology governance. This month’s updates include the UK Prudential Regulation Authority setting out its 2026 supervisory priorities for international banks, alongside U.S. action to strengthen AML tools to prevent large-scale fraud in public benefit programs and the F CA’
Staff Correspondent
Feb 1
The AI-First GCC: Why Offshore Banking Hubs Must Reinvent Work Now
G lobal Capability Centers (GCCs) in India have powered banking for the last 2 decades by delivering cost efficiency at scale through its deep, high-quality talent pools that offered abundant, technically strong and English-proficient talent across IT and operations. In India alone, there are currently c1,800 GCCs supported by about 1.9 million professionals with a cost base of $64.6b according to Nasscom, with that number expected to touch 2,000 GCCs with 2.8m professionals
Anil Nayak
Jan 29
RECENT POSTS
AI Insights: Key Global Developments in March 2026
W elcome to the March 2026 edition of our global AI update. The period from late February into mid-March saw AI moving from theory into practice. New model releases grabbed headlines (see OpenAI’s GPT-5.4 below), but the bigger story was how AI is being embedded into real-world systems and infrastructure. Tech leaders announced large-scale compute projects, cloud partnerships and enterprise rollouts, while regulators clarified rules for transparency and sovereignty. In shor
Staff Correspondent
6 days ago
Africa Must Not Become an AI Colony
T he world is entering what many scholars and policymakers describe as the Fourth Industrial Revolution, an era in which artificial intelligence, advanced computing, robotics, and digital platforms will fundamentally reshape economies, societies, and geopolitics. Nations that build the infrastructure and capabilities for artificial intelligence will dominate the industries of the future. Those that fail to do so risk becoming passive consumers of technologies designed and con
Sonny Iroche
Mar 16
Don’t Over-Complicate Responsible AI: A Pragmatic Starter Guide
Why this post? Every month seems to bring a new “must-read” AI-governance framework, and many teams freeze—waiting until they’ve read them all. Over the past few weeks I: Completed two ISO 42001 courses ( AIQI & BSI ) Re-read the NIST AI Risk-Management Framework ( AI RMF ) Studied BABL AI’s 2023 governance report and, during an Algorithmic Bias Lab Q&A , asked Dr Shea Brown what he would do on Day 1 as Responsible-AI Officer for a company that provides high-risk AI
Ayşegül Güzel
Mar 12
WEEKLY TOP
Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
Chih Chen
May 8, 2025
The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
David Withnell
Apr 21, 2025
FRTB compliance: Options for banks with small trading books in the United Arab Emirates
The Fundamental Review of the Trading Book (FRTB) is a flagship market risk regulation that is a game changer for financial institutions. For FRTB compliance, banks in the United Arab Emirates (UAE) have a choice between the Internal Model Approach (IMA) and the Standardised Approach (SA). Within the SA, banks can use the advanced approach based on risk sensitivities or a simplified standardised approach (SSA). The decision for FRTB compliance should be thought through care
Ram Ananth
Mar 23, 2025
EDITOR'S PICK
RECENT POSTS
Deep Learning Based Prepayment Modeling Approach
Table of Content Executive Summary Problem Description and Justification 1.1 The Business Problem: Predicting Mortgage Prepayment Probability 1.2 Data Strategy 1.3 Limitations of Traditional Linear Models 1.4 Justification for Deep Learning Architecture Architectural Design using Dense Neural Networks 2.1 Conceptual Design: Multi-Layer Perceptron (MLP) 2.2 Activation Functions Optimization and Training Strategy 3.1 Gradient Descent and Back-Propagation 3.2 Fast Convergence: T
ASHISH KUMAR
Feb 3
Regulatory Updates Newsletter: January 2026
Welcome to the January 2026 edition of our Regulatory Newsletter. The year has opened with regulators moving quickly on familiar pressure points, particularly financial crime, operational resilience, and technology governance. This month’s updates include the UK Prudential Regulation Authority setting out its 2026 supervisory priorities for international banks, alongside U.S. action to strengthen AML tools to prevent large-scale fraud in public benefit programs and the F CA’
Staff Correspondent
Feb 1
The AI-First GCC: Why Offshore Banking Hubs Must Reinvent Work Now
G lobal Capability Centers (GCCs) in India have powered banking for the last 2 decades by delivering cost efficiency at scale through its deep, high-quality talent pools that offered abundant, technically strong and English-proficient talent across IT and operations. In India alone, there are currently c1,800 GCCs supported by about 1.9 million professionals with a cost base of $64.6b according to Nasscom, with that number expected to touch 2,000 GCCs with 2.8m professionals
Anil Nayak
Jan 29
Deep Learning Based Prepayment Modeling Approach
Table of Content Executive Summary Problem Description and Justification 1.1 The Business Problem: Predicting Mortgage Prepayment Probability 1.2 Data Strategy 1.3 Limitations of Traditional Linear Models 1.4 Justification for Deep Learning Architecture Architectural Design using Dense Neural Networks 2.1 Conceptual Design: Multi-Layer Perceptron (MLP) 2.2 Activation Functions Optimization and Training Strategy 3.1 Gradient Descent and Back-Propagation 3.2 Fast Convergence: T
ASHISH KUMAR
Feb 3
Regulatory Updates Newsletter: January 2026
Welcome to the January 2026 edition of our Regulatory Newsletter. The year has opened with regulators moving quickly on familiar pressure points, particularly financial crime, operational resilience, and technology governance. This month’s updates include the UK Prudential Regulation Authority setting out its 2026 supervisory priorities for international banks, alongside U.S. action to strengthen AML tools to prevent large-scale fraud in public benefit programs and the F CA’
Staff Correspondent
Feb 1
The AI-First GCC: Why Offshore Banking Hubs Must Reinvent Work Now
G lobal Capability Centers (GCCs) in India have powered banking for the last 2 decades by delivering cost efficiency at scale through its deep, high-quality talent pools that offered abundant, technically strong and English-proficient talent across IT and operations. In India alone, there are currently c1,800 GCCs supported by about 1.9 million professionals with a cost base of $64.6b according to Nasscom, with that number expected to touch 2,000 GCCs with 2.8m professionals
Anil Nayak
Jan 29
RECENT POSTS
AI Insights: Key Global Developments in March 2026
W elcome to the March 2026 edition of our global AI update. The period from late February into mid-March saw AI moving from theory into practice. New model releases grabbed headlines (see OpenAI’s GPT-5.4 below), but the bigger story was how AI is being embedded into real-world systems and infrastructure. Tech leaders announced large-scale compute projects, cloud partnerships and enterprise rollouts, while regulators clarified rules for transparency and sovereignty. In shor
Staff Correspondent
6 days ago
Africa Must Not Become an AI Colony
T he world is entering what many scholars and policymakers describe as the Fourth Industrial Revolution, an era in which artificial intelligence, advanced computing, robotics, and digital platforms will fundamentally reshape economies, societies, and geopolitics. Nations that build the infrastructure and capabilities for artificial intelligence will dominate the industries of the future. Those that fail to do so risk becoming passive consumers of technologies designed and con
Sonny Iroche
Mar 16
Don’t Over-Complicate Responsible AI: A Pragmatic Starter Guide
Why this post? Every month seems to bring a new “must-read” AI-governance framework, and many teams freeze—waiting until they’ve read them all. Over the past few weeks I: Completed two ISO 42001 courses ( AIQI & BSI ) Re-read the NIST AI Risk-Management Framework ( AI RMF ) Studied BABL AI’s 2023 governance report and, during an Algorithmic Bias Lab Q&A , asked Dr Shea Brown what he would do on Day 1 as Responsible-AI Officer for a company that provides high-risk AI
Ayşegül Güzel
Mar 12
WEEKLY TOP
Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
Chih Chen
May 8, 2025
The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
David Withnell
Apr 21, 2025
FRTB compliance: Options for banks with small trading books in the United Arab Emirates
The Fundamental Review of the Trading Book (FRTB) is a flagship market risk regulation that is a game changer for financial institutions. For FRTB compliance, banks in the United Arab Emirates (UAE) have a choice between the Internal Model Approach (IMA) and the Standardised Approach (SA). Within the SA, banks can use the advanced approach based on risk sensitivities or a simplified standardised approach (SSA). The decision for FRTB compliance should be thought through care
Ram Ananth
Mar 23, 2025
EDITOR'S PICK
RECENT CONTRIBUTORS
Danny Dieleman
Senior Treasury Executive
at a Leading European Bank
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Adrian Munday
Global Head of Operational, Technology and Cyber Risk
at Standard Chartered
Moorad Choudhry
Board Advisor
at Surya Fintech
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Revolutionizing Risk, Regulations, and AI: Introducing Riskinfo.ai
Riskinfo.ai: Revolutionizing Risk, Regulations, and AI Knowledge Sharing
Revolutionizing Risk, Regulations, and AI: Introducing Riskinfo.ai
Introducing Riskinfo.ai: Your Go-To Resource for Risk, Regulations, and AI
Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
Chih Chen
May 8, 2025
The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
David Withnell
Apr 21, 2025
EDITOR'S PICK
AI Insights: Key Global Developments in March 2026
W elcome to the March 2026 edition of our global AI update. The period from late February into mid-March saw AI moving from theory into practice. New model releases grabbed headlines (see OpenAI’s GPT-5.4 below), but the bigger story was how AI is being embedded into real-world systems and infrastructure. Tech leaders announced large-scale compute projects, cloud partnerships and enterprise rollouts, while regulators clarified rules for transparency and sovereignty. In shor
Staff Correspondent
6 days ago
Africa Must Not Become an AI Colony
T he world is entering what many scholars and policymakers describe as the Fourth Industrial Revolution, an era in which artificial intelligence, advanced computing, robotics, and digital platforms will fundamentally reshape economies, societies, and geopolitics. Nations that build the infrastructure and capabilities for artificial intelligence will dominate the industries of the future. Those that fail to do so risk becoming passive consumers of technologies designed and con
Sonny Iroche
Mar 16
WEEKLY TOP
Navigating the New Age of Risks: Integration over Isolation, Expertise over Convention
Did you know that organizations today can easily identify over 500 distinct risk types in their libraries? Add to this the complexity of overlapping control matrices, hundreds of policies, and SOPs that read like novels. As businesses grow, risk landscapes also evolve—from startups requiring agility to mature organizations contending with intricate ecosystems and complexities. Simplification and Integration: The Core Challenges The true challenge of risk management lies in si
Deepak Kumar Bhatter
Nov 20, 20243 min read
The Absolute Luxury of a Blank Sheet of Paper: Building a Risk Management Framework for a Financial Services Startup
No legacy systems, no “that’s how we’ve always done it,” and absolutely no pre-existing constraints. Just a blank screen, a fresh...
David Withnell
Nov 20, 20245 min read
Navigating the Labyrinth: AI Regulation in the Healthcare Industry
We examine the imperative of establishing stringent AI regulations in the healthcare industry, focusing on the ethical, legal, and safety challenges brought about by AI's transformative impact on areas such as diagnostics and personalized treatments. The healthcare industry stands at the precipice of a revolution driven by artificial intelligence (AI). From medical diagnosis and treatment to drug discovery and personalized care, AI promises to transform healthcare delivery a
Staff Correspondent
Jan 16, 20243 min read
"The Regulatory Road Ahead: Anticipating AI's Impact on Compliance"
Peer into the future of regulatory compliance in the age of AI. Discuss potential regulatory developments and how businesses can...
Staff Correspondent
Dec 6, 20231 min read
"Risk Intelligence 2.0: AI-Driven Insights for Strategic Decision-Making"
Journey into the next generation of risk intelligence with AI. Explore how organizations are leveraging artificial intelligence to...
Staff Correspondent
Dec 6, 20231 min read
"Compliance in the Digital Age: AI-Powered Regulatory Solutions"
Explore the transformative impact of AI on regulatory compliance. Discover innovative solutions that harness the power of artificial...
Staff Correspondent
Dec 6, 20231 min read
RISK
Check back soon
Once posts are published, you’ll see them here.
REGULATION
AI
Africa Must Not Become an AI Colony
T he world is entering what many scholars and policymakers describe as the Fourth Industrial Revolution, an era in which artificial intelligence, advanced computing, robotics, and digital platforms will fundamentally reshape economies, societies, and geopolitics. Nations that build the infrastructure and capabilities for artificial intelligence will dominate the industries of the future. Those that fail to do so risk becoming passive consumers of technologies designed and con
Sonny Iroche
Mar 166 min read
Don’t Over-Complicate Responsible AI: A Pragmatic Starter Guide
Why this post? Every month seems to bring a new “must-read” AI-governance framework, and many teams freeze—waiting until they’ve read them all. Over the past few weeks I: Completed two ISO 42001 courses ( AIQI & BSI ) Re-read the NIST AI Risk-Management Framework ( AI RMF ) Studied BABL AI’s 2023 governance report and, during an Algorithmic Bias Lab Q&A , asked Dr Shea Brown what he would do on Day 1 as Responsible-AI Officer for a company that provides high-risk AI
Ayşegül Güzel
Mar 127 min read
Deep Learning Based Prepayment Modeling Approach
Table of Content Executive Summary Problem Description and Justification 1.1 The Business Problem: Predicting Mortgage Prepayment Probability 1.2 Data Strategy 1.3 Limitations of Traditional Linear Models 1.4 Justification for Deep Learning Architecture Architectural Design using Dense Neural Networks 2.1 Conceptual Design: Multi-Layer Perceptron (MLP) 2.2 Activation Functions Optimization and Training Strategy 3.1 Gradient Descent and Back-Propagation 3.2 Fast Convergence: T
ASHISH KUMAR
Feb 311 min read
The AI-First GCC: Why Offshore Banking Hubs Must Reinvent Work Now
G lobal Capability Centers (GCCs) in India have powered banking for the last 2 decades by delivering cost efficiency at scale through its deep, high-quality talent pools that offered abundant, technically strong and English-proficient talent across IT and operations. In India alone, there are currently c1,800 GCCs supported by about 1.9 million professionals with a cost base of $64.6b according to Nasscom, with that number expected to touch 2,000 GCCs with 2.8m professionals
Anil Nayak
Jan 296 min read
The Old Scenario Playbook Is Dead. Here’s the AI Upgrade - Part 1
Jet lag returning from Malaysia this week means that my usual “it’s 6:30am on a Saturday morning” is more like “I fell asleep at 3pm”… but the outcome is the same. In toying with using AI for scenario planning over the last few weeks it struck me that the two-day scenario workshop we ran earlier in the year could now be emulated in a couple of hours. The TL;DR - Traditional scenario planning takes months of planning and costs upwards of $100,000 for a board level simulation.
ADRIAN MUNDAY
Nov 4, 20259 min read
Consulting's Survival Crisis
AI, People, and the Path Forward The consulting industry, worth over $300 billion globally, stands at a critical inflection point. Two converging crises (one technological, one human) are simultaneously threatening the survival of traditional consulting models. While much attention has focused on AI's disruptive potential, a deeper, more insidious problem has been festering: consulting firms are systematically damaging their most valuable asset, their people. Part I: The AI T
Pierre Pourquery
Oct 14, 20256 min read
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