Welcome to the Risk Queue,

This weekly newsletter delivers curated content on the ever-evolving risk landscape in the Financial Industry. This is Naeem Qasim, the CEO and Founder of Risk On Q, my professional journey has been immersed in the world of risk management and data/analytics, and I am eager to share insights that will bring you great value.

I am deeply passionate about the dynamic world of risk management. Throughout my two-decade career in managing risk for various businesses, I have had the privilege of establishing my reputation by successfully crafting and deploying cutting-edge risk software and solutions within the world’s largest financial services firms.

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Thank you,

Naeem Qasim

CEO & Founder, Risk On Q

Risk Headlines

Commercial Real Estate Collapse Threatens Regional Banks

Key Points:

• Regional banks are already seeing defaults and write-downs. The market is now declining with property sales down sharply. Loans coming due will force refinancing at much higher rates or sales at much lower prices, this could expose regional banks to billions in losses. The concentrated risk could lead to significant losses and turmoil for regional banks.

• Banks balance sheet’s will be under scrutiny over the coming quarters and those that need to shore up capital may find it difficult with a market in decline. Regulators have been warning banks about commercial real-estate lending for years and their poor risk management.  

You can read the full story at the Wall Street Journal here. 

A. I. Risk / Technology Risk

AI Titans provide Washington insights - from CNN

Where can I learn more about Artificial Intelligence - from GOV.UK

Fines & Losses Industry

U.S. Regulators fine major banks $549 million, crackdown on using messaging apps to evade oversight -Source CNBC.com

Bank of America fined over $250 million over junk fees, other issues - Source Reuters

Risk Career

Emerging Risk

Regulators unveil sweeping changes to capital rules for banks - Source CNBC

Risk Data to Geek Out On

U.S. Financial Regulatory Structure - Source GAO pg 3

The figure below depicts the primary regulators in the U.S. financial regulatory structure and their primary oversight responsibilities.

“Regulators” generally refer to entities that have rulemaking, supervisory, and enforcement authorities over financial institutions or entities.

The missions of the regulatory agencies can usually be categorized as safety and soundness oversight, consumer protection oversight, securities and derivatives markets oversight, insurance oversight, systemic risk oversight, and consolidated supervision.

Your Input 

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Until next time!

Naeem

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