Archive

Dive into a collection of past posts and rediscover timeless content.

Editorial

A Billion Rows a Day, and One Name on the Application

Oct 5, 2026

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3 min read

A Billion Rows a Day, and One Name on the Application

The FCA's "first responder" is an AI, and it processes a billion rows a day

Emeka Ogbonnaya

Editorial

The MIFID Transaction Reporting Is Changing

Aug 7, 2026

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4 min read

The MIFID Transaction Reporting Is Changing

The FCA cut thirteen reporting fields and traded prescription for judgment

Emeka Ogbonnaya

Editorial

The reasonable-steps bar moves. This is how you move with it.

Aug 6, 2026

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3 min read

The reasonable-steps bar moves. This is how you move with it.

The final artefact in the series, and the only one that keeps arriving. Written for the person on the hook, not the institution.

Emeka Ogbonnaya

Editorial

Your Statement of Responsibilities and your AI are written in different languages.

Aug 5, 2026

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2 min read

Your Statement of Responsibilities and your AI are written in different languages.

The fourth free artefact in the series. There is no dedicated AI Senior Manager. So which of your existing duties actually covers it?

Emeka Ogbonnaya

Editorial

The evidence you improvise mid-crisis is the weakest kind there is.

Aug 4, 2026

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2 min read

The evidence you improvise mid-crisis is the weakest kind there is.

The third free artefact in the series. What happens, and who is accountable, when a system behaves in a way no one planned for.

Emeka Ogbonnaya

Editorial

Attribution proved you were awake at go-live. This proves you stayed awake.

Jul 29, 2026

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2 min read

Attribution proved you were awake at go-live. This proves you stayed awake.

The second free artefact in the series. Attribution fixes accountability at a point in time. This one runs the length of the system's life.

Emeka Ogbonnaya

Editorial

Jul 27, 2026

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4 min read

The Effectiveness Era Arrives

The FCA stopped asking whether you have financial crime controls and started counting whether they run. 29% of firms had no transaction monitoring. Agentic AI entered the sandbox the same week.

Emeka Ogbonnaya

Editorial

The One Oversight Record Your AI Model Governance Leaves Out

Jul 22, 2026

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5 min read

The One Oversight Record Your AI Model Governance Leaves Out

Free to use today. The evidence of individual oversight the reasonable-steps test is built to look for. First of a short series.

Emeka Ogbonnaya

Editorial

Four cloud giants, one BNPL Day, and six weeks to the new conduct rules

Jul 21, 2026

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12 min read

Four cloud giants, one BNPL Day, and six weeks to the new conduct rules

The Bank of England, PRA and FCA began supervising AWS, Google, Microsoft and Oracle on Monday. BNPL became regulated credit on Wednesday.

Emeka Ogbonnaya

Editorial

The FCA Cut the Rules. It Kept the Names.

Jul 21, 2026

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4 min read

The FCA Cut the Rules. It Kept the Names.

Three Consultations, £128 Million in Savings, and a Regulator Building a Better Model of You

Emeka Ogbonnaya

Archive

Dive into a collection of past posts and rediscover timeless content.

A Billion Rows a Day, and One Name on the Application

The MIFID Transaction Reporting Is Changing

The reasonable-steps bar moves. This is how you move with it.

Your Statement of Responsibilities and your AI are written in different languages.

The evidence you improvise mid-crisis is the weakest kind there is.

Attribution proved you were awake at go-live. This proves you stayed awake.

The Effectiveness Era Arrives

The One Oversight Record Your AI Model Governance Leaves Out

Four cloud giants, one BNPL Day, and six weeks to the new conduct rules

The FCA Cut the Rules. It Kept the Names.

The Accountability Record