Risk management

Bank advocates and lawmakers have endorsed removing management considerations from the key supervisory ranking, arguing that it is too prone to subjectivity. But some policy experts say doing so could leave certain risks unchecked.

Credit risk transfers, which gained traction in 2022 and 2023 as banks sought to manage their capital levels, may now become a solution for lenders looking to reduce their exposure to commercial real estate loans.

At a House subcommittee hearing, Republicans proposed "tailoring" regulations for community banks while Democrats railed against Trump's tariffs and cuts to the Consumer Financial Protection Bureau.

The financial services industry is uniquely positioned to advocate for collaborative AI leadership. As a sector that depends on trust, transparency and global cooperation, financial institutions have a vested interest in ensuring that AI development aligns with these principles.

Regulators said the payment company did not provide sufficient customer identification and monitoring, increasing risk for its transfer app. This week's fine follows earlier penalties in other states and the federal government.

As more states adopt digital identity, there is an opportunity for banks to improve authentication.

As the risk of a recession rises, commercial real estate loans remain a major concern for banks and industry participants. One observer asked: "Is '25 the year where sellers start to capitulate, call a loser a loser, and move on?"

The Financial Conduct Authority is summoning industry professionals to weigh in on potential regulatory updates to make British institutions more competitive with the U.S.

A joint venture between the military-focused Palantir and investment conglomerate TWG will sell cybersecurity protection to financial institutions that are wary about the safety of artificial intelligence.

Artificial intelligence will make finance more efficient, reduce inefficiencies and empower professionals to do more with less. But the need for human judgment, leadership and risk-taking? That's not going anywhere.

Neeraj Singh joins the Buffalo, New York-based bank after a four-year stint at USAA, which has seen an exodus of top executives.

Mohit Ramani joins the Cleveland-based company next week. His predecessor, Darrin Benhart, will fill a newly created role as Key's chief regulatory officer.

Primis Financial had to delay several reports to the SEC due to an accounting misclassification error, which raised the possibility that the bank's stock would no longer trade on Nasdaq. Executives say they're "optimistic about putting this behind us."

A new chief risk officer was among the appointments announced Wednesday, as CEO Michael Rhodes began to put his imprint on Ally.

Huge portfolios of outstanding private credit, issued by lenders completely free of banklike supervision and safety and soundness requirements, are almost certainly of lower quality than banks' loan portfolios. If they implode, the damage could be extensive.

Every time we revise bank capital rules, we uncover new flaws that leave banks unprepared for unexpected stress events.

As long as fraud-prevention efforts remain siloed and bank-specific, perpetrators remain free to employ the same strategies over and over. Banks need to do a better job of sharing information and collaborating.

The Federal Deposit Insurance Corp. and Texas banking regulators issued consent orders against Industry State Bank, Fayetteville Bank and Citizens State Bank, requiring major overhauls of their management, capital and risk controls.