Authors

Emeka Ogbonnaya is the founder of BuildMoat, the real-time evidence infrastructure that proves named individuals acted on their regulatory accountability, before, during, and after automated decisions are made.

After 15 years across the Bank of England, HSBC, Mastercard, BMO Capital Markets, and Accenture, he saw the same pattern repeatedly. Firms deployed Tech. Governance didn't follow. And when scrutiny arrived, the named individual carrying accountability had no contemporaneous evidence they had exercised it. Not because they hadn't. Because no one had built the infrastructure to capture it in real time.

BuildMoat closes that gap. For regulated firms operating under SM&CR, Consumer Duty, DORA, and the EU AI Act, where personal accountability for AI-assisted decisions is a regulatory requirement and the evidence that supports it cannot be built after the fact.

The Accountability Record is his fortnightly briefing on AI accountability intelligence for regulated industries. Regulatory signals, evidential oversight in practice, and what named individuals need to know before the regulator asks.

Outside of BuildMoat, he publishes hyperlocal newsletters across Hertfordshire reaching over 5,000 readers, built without paid acquisition. Same discipline, different audience. Get close enough to understand the real problem, then build something that earns trust.