Sarah Hamilton

A mid-sized credit union can easily depend on a core banking processor, a cloud host, a digital-banking vendor, a card network, a collections agency, and several hundred smaller suppliers. Each one performs work th...

When a payment processor mishandles customer data or a loan servicer misapplies a consumer protection rule, the bank is left responsible. Third party vendor compliance is how a financial institution confirms, docum...

In our Ask Kaia question-trends report covering April 1 to June 30, 2026, lending compliance turned out to be the single subject bankers asked about more than any other, with 1,309 tagged questions representing 27....

For the 2026 cycle, HMDA is about executing familiar rules cleanly, on time, and with a record that holds up to review. The reference material has a name many reporters know (the FFIEC's "A Guide to HMDA ...

Most fair lending problems are caused when a team cannot prove a decision. They need to show, months or years later, that a denial, a price, or an appraisal rested on legitimate factors and was documented at the ti...

Most banks and credit unions depend on dozens of outside vendors, fintech partners, and service providers. Each relationship brings convenience but also exposure. Managing vendors in spreadsheets stops working quic...

A vendor that passed its annual review in January can suffer a data breach in March, lose its key subprocessor in June, and quietly slide toward insolvency by September. That gap between assessments is exactly wher...

Risk teams at banks and credit unions already run assessments but what changes with an AI risk analysis is the labor behind the work and the amount of ground it can cover. The analyst still owns the judgment; AI si...

Every compliance leader knows you can lower regulatory risk either by adding people, reviews, and hours, or you can control spending. What makes AI for regulatory compliance worth a serious look is that it ea...

A fraud analyst reviewing alerts one at a time can examine a few hundred in a day whilst a model trained on the same patterns can score every transaction as it happens and surface the handful that need a human ...