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Is banking ready to trust artificial intelligence (AI) to teach? Supplementing learning and development programs for financial institutions with trained…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Fraud, Regulatory, Risk, Technology
Banks are finding it harder to treat hurricanes, floods, wildfires, and other extreme weather events as distant environmental problems. The…
- Climate Change Risk, Credit Risk, Market Risk, Model Risk, Operational Risk/Enterprise Risk, Regulatory, Strategic/Disruption Risk
Fraud model validation was never easy. But Chandrakant Maheshwari, lead model validator at Flagstar Bank, told ProSight that AI is…
- Compliance, Regulatory, Risk, Technology
Banks know the efficiency ratio matters. The harder question is what happens when the push to improve it starts weakening…
- Customer Experience, Digital Banking, Marketing & Sales, Operational Risk/Enterprise Risk, Regulatory, Strategic/Disruption Risk, Talent Management, Technology
ATM jackpotting is no longer a niche threat. According to a February FBI advisory, 700 of the 1,900 attacks tracked…
- Compliance, Fraud, Payments, Regulatory, Risk, Technology
Given today’s evolving competitive, regulatory, and risk landscapes, the enterprise risk management (ERM) functions at financial services firms are in…
- Business Banking, Commercial Banking, Compliance, Fraud, Internal Audit, Regulatory, Risk, Talent Management, Technology
The scale and sophistication of consumer scams in today’s digital economy are staggering. Globally, losses related to these scams reached…
- Community Banks, Consumer Banking, Customer Experience, Digital Banking, Operational Risk/Enterprise Risk, Regulatory, Technology
The course of open banking is shifting fast, driven by new or altered regulations, evolving consumer expectations, and competitive pressure…
- Business Banking, Commercial Banking, Community Banks, Customer Experience, Digital Banking, Regulatory, Risk, Technology
Extreme weather is moving from a distant environmental concern to a direct financial risk for banks and other financial institutions,…
- Climate Change Risk, Credit Risk, ESG, Regulatory, Technology
Cyber risk and technology remain persistent concerns for banks—but new technologies are changing how those risks emerge and how institutions…
- Compliance, Digital Banking, Model Risk, Operational Risk/Enterprise Risk, Regulatory, Strategic/Disruption Risk
Earlier this week President Trump said he believes the conflict in Iran could last “four weeks,” while Chairman of the…
- Community Banks, Compliance, Credit Risk, Geopolitical/Political Risk, Payments, Regulatory, Risk
ProSight recently spoke with three subject matter experts who were instrumental in the creation of its 2026 CRO Outlook Survey…
- Commercial Banking, Community Banks, Compliance, ESG, Fraud, Regulatory, Risk
Earlier in this newsletter, we examined consumer credit risk in credit cards and auto loans. Now, attention turns to a…
- Compliance, Consumer Banking, Payments, Regulatory, Risk
As banks shape their 2026 playbooks, consumer credit risk is front and center. Americans’ total credit card balance reached $1.233…
- Consumer Banking, Credit Risk, Market Risk, Regulatory, Strategic/Disruption Risk
In the wake of the Supreme Court’s 6-3 ruling Friday disallowing the International Emergency Economic Powers Act (IEEPA) as a…
- Commercial Banking, Consumer Banking, Regulatory, Risk
North Korea’s latest threat to U.S. institutions doesn’t arrive through missiles or malware. It shows up as a job candidate….
- Fraud, Regulatory, Risk, Talent Management
The January 20 date that President Trump initially proposed to start a 10% cap on credit card interest rates may…
- Community Banks, Compliance, Consumer Banking, Credit Risk, Regulatory
Love gives, love takes—sometimes it lowers our guard. Fraudsters know it. For people seeking companionship, romance and confidence scams exploit…
- Community Banks, Compliance, Consumer Banking, Customer Experience, Fraud, Internal Audit, Marketing & Sales, Payments, Regulatory, Risk, Talent Management, Technology
Can risk practices improve when “servant leadership” is a bank’s prevailing personnel management style? This approach urges supervisors, including department…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Credit Risk, Customer Experience, Digital Banking, Regulatory, Risk, Talent Management
For most banks, a big part of the AI conversation over the past few years has centered on generative tools—systems…
- Internal Audit, Regulatory, Risk, Talent Management
Last week, President Donald Trump tapped Kevin Warsh—a former Federal Reserve governor and ex-Morgan Stanley banker—as the next Fed chair….
- Geopolitical/Political Risk, Regulatory, Risk
Risk controls testing and monitoring is moving from a “nice to improve” function to a cost, capacity, and consistency challenge….
- Internal Audit, Model Risk, Operational Risk/Enterprise Risk, Regulatory, Risk, Talent Management
A field exam that blows up confidence in a borrower’s borrowing base calls for a reset, not a tune-up. In…
- Fraud, Internal Audit, Regulatory, Risk
Concentration frameworks used to have time on their side. In today’s market, risks can surface and compound so quickly that…
- Regulatory, Risk, Strategic/Disruption Risk
Operational risk programs have long emphasized prevention and detection. But the conversation is shifting toward operational resiliency—building the capability to…
- Internal Audit, Market Risk, Regulatory, Risk
Paper checks haven’t gone away, and that lingering low-tech habit is colliding with near-ubiquitous smartphones and constant online engagement—giving fraudsters…
- Fraud, Regulatory, Risk
As geopolitics, trade policy, supply chains, interest rates, or any yet undetermined test lurking around the next corner challenge banks…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Fraud, Internal Audit, Regulatory, Risk, Technology
With President Trump calling for a 10% credit card interest cap to take effect Tuesday, key questions about enforcement and…
- Compliance, Consumer Banking, Customer Experience, Payments, Regulatory, Risk
ProSight Financial sat down with John Silvia, founder of Dynamic Economic Strategy and formerly chief economist at Wells Fargo, for…
- Commercial Banking, Community Banks, Regulatory, Risk
Many Americans still write checks for at least some transactions—a preference that leaves consumers and financial institutions exposed to mail…
- Business Banking, Commercial Banking, Community Banks, Customer Experience, Digital Banking, Fraud, Regulatory, Risk, Technology
Even if credit cards aren’t your day-to-day focus, the CFPB’s latest review of the consumer credit card market—which includes data…
- Compliance, Consumer Banking, Customer Experience, Digital Banking, Fraud, Payments, Regulatory, Risk, Technology
AI talk in banking often starts with risk: What’s the exposure if a vendor (or a fourth party behind them)…
- Compliance, Digital Banking, Regulatory, Risk, Technology
Banking professionals wonder whether generative artificial intelligence (gen AI) is a poor substitute for the human touch, experience, and nuance…
- Business Banking, Commercial Banking, Compliance, Consumer Banking, Customer Experience, Digital Banking, Fraud, Marketing & Sales, Regulatory, Risk, Talent Management, Technology
Financial and operational risks are accelerating at North America’s banks—fueled by sophisticated criminal schemes and by technology exposure tied to…
- Fraud, Regulatory, Risk, Technology
A version of this Q&A originally ran in the October Executive Report. Explore the issue, Compliance and Risk: Building Operational…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Digital Banking, Fraud, Regulatory, Risk, Technology
Financial and operational risks are accelerating at North America’s banks, driven largely by sophisticated criminal schemes and banks’ technology exposure…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Fraud, Regulatory, Risk, Talent Management, Technology
Chief risk officers from leading financial services companies highlighted the growing interconnections of risk in banking and the importance of…
- Commercial Banking, Community Banks, Compliance, Fraud, Regulatory, Risk
Geopolitical risk is no longer something only global banks need to track. A recent ProSight article by Matt Schiavenza describes…
- Commercial Banking, Community Banks, Compliance, Regulatory, Risk, Technology
SWIFT—the network banks use to send most cross-border payment instructions—is piloting a blockchain-based payments platform for digital assets. Developed with…
- Commercial Banking, Compliance, Digital Banking, Payments, Regulatory, Risk, Technology
In recent years, the post-World War II pact guiding global affairs has begun to come apart. Trade friction is a…
- Business Banking, Commercial Banking, Community Banks, Compliance, Consumer Banking, Digital Banking, Fraud, Payments, Regulatory, Risk, Technology
Insider Threats, HIPAA, and What Banks Need To Keep in View Insider threats are growing in frequency, cost, and impact….
- Compliance, Fraud, Internal Audit, Regulatory, Risk, Technology
SWIFT—the network banks use to exchange cross-border payment messages—is moving beyond messaging to pilot a shared-ledger platform aimed at faster,…
- Commercial Banking, Compliance, Digital Banking, Payments, Regulatory, Risk, Technology
Non-depository financial institutions (NDFIs) have become a powerful force in U.S. credit markets—and a growing area of exposure for banks….
- Fraud, Market Risk, Operational Risk/Enterprise Risk, Regulatory, Risk, Strategic/Disruption Risk
Short-term dollar funding is getting bumpy again—and the Fed is reportedly working behind the scenes to keep it from turning…
- Commercial Banking, Market Risk, Regulatory, Risk
Banks are no longer treating artificial intelligence as an experiment. In The ProSight 2026 CRO Outlook Survey— published by ProSight…
- Fraud, Regulatory, Risk, Talent Management, Technology
The OCC’s new “risk-based” supervision model for community banks is a notable shift—one that gives smaller institutions more breathing room,…
- Community Banks, Compliance, Regulatory, Risk
The Financial Services Information Sharing and Analysis Center (FS-ISAC) recently warned the industry against “crypto-procrastination”—delaying preparation for the quantum era….
- Fraud, Regulatory, Risk, Technology
The $2.5 trillion private credit market is reshaping corporate lending—and blurring the lines between banks and nonbank financial institutions (NBFIs)….
- Commercial Banking, Regulatory, Risk
The Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act is landmark legislation aimed at creating a comprehensive regulatory…
- Commercial Banking, Compliance, Consumer Banking, Payments, Regulatory, Risk
Community banks interpreting recent OCC supervisory changes might consider re-examining their risk profiles and shifting effort to risk management processes…
- Community Banks, Compliance, Internal Audit, Regulatory, Risk