Most US banks already run an enterprise risk management program using board-approved risk appetite, a chief risk officer, a risk committee, an annual ERM refresh, and a register tracked across multiple categori...

Operational risk is the only Basel risk category that touches every line of business, every system, and every process inside a bank. This type of risk lives everywhere a transaction is executed, a system runs, ...

Alongside any organization’s final 2026 compliance program, there are questions bankers ask when they need a fast, accurate answer. Those questions reveal the topics where regulatory guidance is genuinely unc...

Five years ago, the operational risk management challenges that dominated examination cycles looked recognisable from the early-2000s Basel II event categories. Today they still apply, but the underlying driver...

A written risk management plan is the artifact bank examiners ask for first, yet most institutions do not treat it as the operating document it needs to be. The OCC Heightened Standards, the FFIEC IT Examinatio...

Most US banks run an enterprise risk management program and a separate operational risk management function. The two often share a chief risk officer and elements of the same taxonomy, and are also routinely co...