@polisight.bsky.social
Exploring the art and science of risk and governance in financial services. MSc Economics 🇬🇧🇺🇸🇮🇳🇩🇰🇵🇱
Risk Management Committees are often well intentioned but poorly understood.
When designed and operated properly, they ensure risks are addressed at the right level and support decisions. When they are not, they become procedural exercises that consume time without improving outcomes.
When designed and operated properly, they ensure risks are addressed at the right level and support decisions. When they are not, they become procedural exercises that consume time without improving outcomes.
Foundation Series: Committee Governance
From Structure to Execution: Designing and Operating Effective Risk Management Committees
open.substack.com
January 12, 2026 at 3:52 AM
Risk Management Committees are often well intentioned but poorly understood.
When designed and operated properly, they ensure risks are addressed at the right level and support decisions. When they are not, they become procedural exercises that consume time without improving outcomes.
When designed and operated properly, they ensure risks are addressed at the right level and support decisions. When they are not, they become procedural exercises that consume time without improving outcomes.
When your boss says, “We need to discuss an important issue,” what do they actually mean?
Issues vs. issues vs. issues — clearly, they are different
Happy we got that sorted...
open.substack.com
January 5, 2026 at 12:40 PM
When your boss says, “We need to discuss an important issue,” what do they actually mean?
Reposted
Strategic risk is not about forecasts - it is about the decisions that shape whether an institution survives its own strategy
Polisight (@polisight)
Strategic risk is not about forecasts - it is about the decisions that shape whether an institution survives its own strategy
https://open.substack.com/pub/polisight/p/foundation-series-strategic-ris...
substack.com
December 22, 2025 at 1:04 PM
Strategic risk is not about forecasts - it is about the decisions that shape whether an institution survives its own strategy
Reposted
Most risk management work is unglamorous and largely invisible to senior leaders. It happens quietly, long before outcomes are known and often without recognition.
Polisight (@polisight)
Most risk management work is unglamorous and largely invisible to senior leaders. It happens quietly, long before outcomes are known and often without recognition.
substack.com
December 22, 2025 at 1:05 PM
Most risk management work is unglamorous and largely invisible to senior leaders. It happens quietly, long before outcomes are known and often without recognition.
Reposted
When trust erodes, even the strongest risk frameworks fail.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
Why Risk Systems Fail: Culture, Psychology, and Power
Uncomfortable perspective on risk management
open.substack.com
December 26, 2025 at 4:51 AM
When trust erodes, even the strongest risk frameworks fail.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
Reposted
Quarterly Risk Perspective: Q4 2025 | As 2025 closes, the defining feature of the risk landscape is not volatility but irreversibility. Core assumptions, such as cheap capital, regulatory convergence, linear technology adoption, and compounding trust - have broken down.
Quarterly Risk Perspective: Q4 2025
Strategic Risk Signals for Executive Decision-Makers
open.substack.com
December 28, 2025 at 4:43 AM
Quarterly Risk Perspective: Q4 2025 | As 2025 closes, the defining feature of the risk landscape is not volatility but irreversibility. Core assumptions, such as cheap capital, regulatory convergence, linear technology adoption, and compounding trust - have broken down.
Quarterly Risk Perspective: Q4 2025 | As 2025 closes, the defining feature of the risk landscape is not volatility but irreversibility. Core assumptions, such as cheap capital, regulatory convergence, linear technology adoption, and compounding trust - have broken down.
Quarterly Risk Perspective: Q4 2025
Strategic Risk Signals for Executive Decision-Makers
open.substack.com
December 28, 2025 at 4:43 AM
Quarterly Risk Perspective: Q4 2025 | As 2025 closes, the defining feature of the risk landscape is not volatility but irreversibility. Core assumptions, such as cheap capital, regulatory convergence, linear technology adoption, and compounding trust - have broken down.
When trust erodes, even the strongest risk frameworks fail.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
Why Risk Systems Fail: Culture, Psychology, and Power
Uncomfortable perspective on risk management
open.substack.com
December 26, 2025 at 4:51 AM
When trust erodes, even the strongest risk frameworks fail.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
I explore how power, culture, and psychology shape organizational behavior, why senior leadership accountability matters, and how financial institutions can design risk systems that surface problems early rather than after harm is done.
Most risk management work is unglamorous and largely invisible to senior leaders. It happens quietly, long before outcomes are known and often without recognition.
Polisight (@polisight)
Most risk management work is unglamorous and largely invisible to senior leaders. It happens quietly, long before outcomes are known and often without recognition.
substack.com
December 22, 2025 at 1:05 PM
Most risk management work is unglamorous and largely invisible to senior leaders. It happens quietly, long before outcomes are known and often without recognition.
Strategic risk is not about forecasts - it is about the decisions that shape whether an institution survives its own strategy
Polisight (@polisight)
Strategic risk is not about forecasts - it is about the decisions that shape whether an institution survives its own strategy
https://open.substack.com/pub/polisight/p/foundation-series-strategic-ris...
substack.com
December 22, 2025 at 1:04 PM
Strategic risk is not about forecasts - it is about the decisions that shape whether an institution survives its own strategy
Reposted
The most interesting thing about climate risk is not the politics around it, but what it reveals about risk management itself.
Foundation Series: Climate Risk
A Global Financial Challenge
open.substack.com
December 14, 2025 at 6:09 PM
The most interesting thing about climate risk is not the politics around it, but what it reveals about risk management itself.
The most interesting thing about climate risk is not the politics around it, but what it reveals about risk management itself.
Foundation Series: Climate Risk
A Global Financial Challenge
open.substack.com
December 14, 2025 at 6:09 PM
The most interesting thing about climate risk is not the politics around it, but what it reveals about risk management itself.
Reposted
Strategic risk is everywhere and sometimes nowhere. Many Financial Services Organizations talk about it, but not all define it clearly or manage it with discipline.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
Foundation Series: Strategic Risk
How Financial Services Organizations Can Better Define, Monitor, and Govern Strategic Risk.
open.substack.com
December 11, 2025 at 4:06 AM
Strategic risk is everywhere and sometimes nowhere. Many Financial Services Organizations talk about it, but not all define it clearly or manage it with discipline.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
Strategic risk is everywhere and sometimes nowhere. Many Financial Services Organizations talk about it, but not all define it clearly or manage it with discipline.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
Foundation Series: Strategic Risk
How Financial Services Organizations Can Better Define, Monitor, and Govern Strategic Risk.
open.substack.com
December 11, 2025 at 4:06 AM
Strategic risk is everywhere and sometimes nowhere. Many Financial Services Organizations talk about it, but not all define it clearly or manage it with discipline.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
If you’re interested in #strategy, #governance, or #riskmanagement, you may find this useful.
Reposted
U.S. bank supervision is shifting toward a narrower view of risk management driven by the Fed, OCC, and FDIC loosening oversight, streamlining rules, and reshaping examiner focus in ways that reduce compliance burden but raise concerns about blind spots for systemic and complex risks.
The Risk Current: Financial Services Supervision - Recent Updates, Sentiment, and Next Steps.
November 2025
open.substack.com
November 28, 2025 at 9:15 PM
U.S. bank supervision is shifting toward a narrower view of risk management driven by the Fed, OCC, and FDIC loosening oversight, streamlining rules, and reshaping examiner focus in ways that reduce compliance burden but raise concerns about blind spots for systemic and complex risks.
U.S. bank supervision is shifting toward a narrower view of risk management driven by the Fed, OCC, and FDIC loosening oversight, streamlining rules, and reshaping examiner focus in ways that reduce compliance burden but raise concerns about blind spots for systemic and complex risks.
The Risk Current: Financial Services Supervision - Recent Updates, Sentiment, and Next Steps.
November 2025
open.substack.com
November 28, 2025 at 9:15 PM
U.S. bank supervision is shifting toward a narrower view of risk management driven by the Fed, OCC, and FDIC loosening oversight, streamlining rules, and reshaping examiner focus in ways that reduce compliance burden but raise concerns about blind spots for systemic and complex risks.
Reposted
Strong organizations don’t manage risk by accident - they govern it with purpose. That starts with effective Risk Management Committees (RMCs).
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
Foundation Series: Risk Committee Structure
Introduction to the architecture of risk oversight
open.substack.com
November 18, 2025 at 3:20 AM
Strong organizations don’t manage risk by accident - they govern it with purpose. That starts with effective Risk Management Committees (RMCs).
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
Reposted
👉 Risk functions are evolving — and so must the leaders behind them.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
Foundation Series: The Role of the Chief Risk Officer (CRO)
The Architect of Sound Risk Governance
open.substack.com
November 21, 2025 at 3:42 AM
👉 Risk functions are evolving — and so must the leaders behind them.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
👉 Risk functions are evolving — and so must the leaders behind them.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
Foundation Series: The Role of the Chief Risk Officer (CRO)
The Architect of Sound Risk Governance
open.substack.com
November 21, 2025 at 3:42 AM
👉 Risk functions are evolving — and so must the leaders behind them.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
My latest article breaks down the modern role of the CRO and why it has evolved into one of the most strategically consequential positions in Financial Services.
Strong organizations don’t manage risk by accident - they govern it with purpose. That starts with effective Risk Management Committees (RMCs).
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
Foundation Series: Risk Committee Structure
Introduction to the architecture of risk oversight
open.substack.com
November 18, 2025 at 3:20 AM
Strong organizations don’t manage risk by accident - they govern it with purpose. That starts with effective Risk Management Committees (RMCs).
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
For a clearer look at how effective RMCs really shape governance and strategy, check out my latest piece:
Reposted
In risk mitigation, understanding the relationship between inherent risk, control effectiveness, and residual risk is fundamental to informed decision-making. These foundational concepts help us understand the risk and control environments in a more comprehensive way.
Foundation Series: Inherent Risk – Control Effectiveness = Residual Risk
Getting to residual risk in the face of random events and imperfect information.
open.substack.com
November 8, 2025 at 2:11 AM
In risk mitigation, understanding the relationship between inherent risk, control effectiveness, and residual risk is fundamental to informed decision-making. These foundational concepts help us understand the risk and control environments in a more comprehensive way.
In risk mitigation, understanding the relationship between inherent risk, control effectiveness, and residual risk is fundamental to informed decision-making. These foundational concepts help us understand the risk and control environments in a more comprehensive way.
Foundation Series: Inherent Risk – Control Effectiveness = Residual Risk
Getting to residual risk in the face of random events and imperfect information.
open.substack.com
November 8, 2025 at 2:11 AM
In risk mitigation, understanding the relationship between inherent risk, control effectiveness, and residual risk is fundamental to informed decision-making. These foundational concepts help us understand the risk and control environments in a more comprehensive way.
Reposted
Foundation Series: Deconstructing Risk
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
Foundation Series: Deconstructing Risk
Moving beyond intuition and defining risk
open.substack.com
November 1, 2025 at 4:10 PM
Foundation Series: Deconstructing Risk
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
Foundation Series: Deconstructing Risk
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
Foundation Series: Deconstructing Risk
Moving beyond intuition and defining risk
open.substack.com
November 1, 2025 at 4:10 PM
Foundation Series: Deconstructing Risk
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
We all talk about risk, but how often do we pause to ask: what do we actually mean by it?
A clear, shared definition of risk isn’t just semantics - it’s the foundation of good governance and sound decision-making.
In my new article, I break down risk!
Reposted
I like to think that risk management is as much about the journey as it is about the destination. Writing this article took longer than I anticipated, but I believe it does a good job of explaining the risk management journey - the risk management life cycle - and includes real-world examples.
Foundation Series: Risk Management Life Cycle
A deep dive into the Risk Management Life Cycle - how Financial Services Organizations (FSOs) identify, measure, monitor, respond, and report within a strong governance framework.
open.substack.com
October 30, 2025 at 2:05 AM
I like to think that risk management is as much about the journey as it is about the destination. Writing this article took longer than I anticipated, but I believe it does a good job of explaining the risk management journey - the risk management life cycle - and includes real-world examples.