IBM RegTech Innovations

Driving the RegTech revolution

2019: An artificial intelligence-enhanced AML odyssey

Welcome to the brave new world of regulatory technology. On December 3, 2018, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the Financial Crimes Enforcement Network (FinCEN), the National Credit Union Administration, and the Office of the Comptroller of the Currency issued a joint statement encouraging the use of […]

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Quantum computing finds a home in risk management

At school, we were taught classical physics. The laws of Newtonian gravity dominated our studies and life seemed so simple – everything moved in a straight line unless acted on by an external force and F=ma, mass x acceleration. Then it all changed. Strange effects were observed, the photoelectric effect and the wave particle duality […]

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Risk management in the cloud: A strategic imperative

For financial institutions, the benefits of moving away from legacy in-house systems to the cloud are obvious. A cloud environment offers financial institutions greater speed and agility than their current environments. But while mobile devices give us great power and convenience, they also create new security and privacy challenges. Financial institutions face a similar dilemma […]

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Financial crime in finance: Unlocking communications to find hidden risks

FINRA and other regulators have informed firms of their expectation to adopt practices of “heightened supervision” to isolate high-risk brokers and activities, including those who have previously committed financial crimes. In the past two years, FINRA has released guidance to strengthen controls on high-risk brokers and further indicated it would be an ongoing priority. In […]

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What’s new in IBM GRC and OpenPages v8.0?

Over the past year, the discussion of governance, risk and compliance (GRC) has continued in stories related to financial services and other sectors. Headlines related to improper conduct, fraud, infringement of privacy data have all contributed to industry re-examining the meaning of GRC in today’s business environment. The argument that non-financial risk must be approached as […]

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Innovating in the open: How the changing GRC landscape inspired IBM GRC’s latest releases in 2018

This past year brought governance, risk and compliance (GRC) to the center stage. Organizations in financial services and other sectors witnessed an increase in “airtime” given to risk and compliance issues at the board level. Stories of improper conduct, and new regulations on data protection and privacy such as GDPR, continued to dominate the business […]

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Removing friction and fraud from P2P payments

With new payment rails often come unpredictable threats, and likewise the need to help customers adopt these products easily. A balance is required between adequate reliability and security without impacting the customer experience. In the emerging world of person-to-person (P2P) payments, establishing a frictionless (and “fraud-less”) experience is even more critical, since a bad experience […]

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IFRS 17 adoption: Its impact and best practices

International Financial Reporting Standard 17 (IFRS 17) is expected to come into effect in January 2021 (though the IASB, the governing body, has tentatively agreed in Nov 2018 to postpone adoption to January 2022). Applicable to the insurance sector, it is regarded by most companies and consultants as one of the most significant changes to […]

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Driving innovation in risk management: Financial risk APIs designed and engineered for the cloud

Today, most banks and other financial institutions use the internet as one of the primary ways of interacting with customers. For example, online banking and customer portals allow clients to access services without visiting a physical location or even talking to a person. While other industries are moving beyond the use of the internet as […]

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Three fundamental shifts in financial crime investigations

Financial institutions globally are awakening to the fact that regulatory technology will drive the next wave of innovation in their approaches to understanding and stopping financial crimes. From attempted money laundering, to account takeover, to insider trading, institutions are paying attention. But for some in the financial industry, the idea that these technologies can solve […]

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Taking a proactive stance on conduct risk with real-time, AI-powered risk analytics

In many cases, one of the most significant operational risks organizations face today doesn’t come from fraudsters or cybercriminals—it comes from their own employees. Collusion, insider trading, mis-selling, intellectual theft and sales malpractice are just some of the ways bad actors can take advantage of their employer’s good reputation and subvert it to their own […]

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