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Dive into a collection of past posts and rediscover timeless content.

Editorial

The Accountability Gap

Apr 23, 2026

•

11 min read

The Accountability Gap

AI can do the work. But the FCA wants to know who made the call.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

Why your RCSA does not pass the new operational resilience test

Apr 19, 2026

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5 min read

Why your RCSA does not pass the new operational resilience test

The PRA quietly changed what operational resilience means for AI. Your RCSA probably does not reflect it yet.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

+1

Two Clocks Started This Week. Most Firms Are Only Watching One.

Apr 10, 2026

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10 min read

Two Clocks Started This Week. Most Firms Are Only Watching One.

The CCI regime went live Tuesday. The AI accountability regime has been live since 2019. Very few firms have connected those two facts.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

$3 Billion in the Dark

Apr 3, 2026

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8 min read

$3 Billion in the Dark

The FCA closed a case in nine months this week. The firm's automated system processed $3 billion and never flagged a single suspicious trade.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

April 6 Is Three Days Away. Your AI Doesn't Know That Yet.

Apr 3, 2026

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9 min read

April 6 Is Three Days Away. Your AI Doesn't Know That Yet.

The FCA's new disclosure regime goes live this weekend, and the firms relying on AI to generate product information haven't mapped accountability to a named person.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

24 Hours and Seven Firms

Mar 27, 2026

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9 min read

24 Hours and Seven Firms

The FCA just set a clock and opened enforcement cases. If your AI is in these workflows, you need to read this.

Emeka Ogbonnaya
Emeka Ogbonnaya

Exclusive

Why I'm writing about compliance - and what I've built because of it

Mar 25, 2026

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5 min read

Why I'm writing about compliance - and what I've built because of it

BuildMoat reframing AI adoption in financial services through the lens of regulatory accountability

Emeka Ogbonnaya
Emeka Ogbonnaya

Exclusive

What AI-native compliance actually means

Mar 24, 2026

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15 min read

What AI-native compliance actually means

Everyone is claiming it. Almost nobody has built it. Here is the definition that separates architecture from marketing.

Emeka Ogbonnaya
Emeka Ogbonnaya

Exclusive

The Death Of The Traditional Compliance Function

Mar 24, 2026

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13 min read

The Death Of The Traditional Compliance Function

Most banks' compliance departments were built for a world of quarterly reviews and annual audits. That world ended. The model didn't get the memo.

Emeka Ogbonnaya
Emeka Ogbonnaya

Editorial

AI will make your organisation leaner. Whether it makes it stronger is up to you.

Mar 4, 2026

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9 min read

AI will make your organisation leaner. Whether it makes it stronger is up to you.

49,000 tech jobs cut in the first two months of 2026. AI cited across the board. What the data says, what it means for your organisation, and the steps leaders need to take now.

Emeka Ogbonnaya
Emeka Ogbonnaya
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The Accountability Record

The weekly briefing on AI governance, risk, cyber and compliance in financial services.

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