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Hey there, CFOs! 💼

Automation in finance is growing fast, but compliance cannot lag behind. With adoption surpassing 56%, CFOs are now co-owning governance to ensure every automation is explainable and audit-ready.

Are your systems compliant, or are they just convenient?

📰 Upcoming in this issue

• 🧾 56% Adoption, CFOs on Point: Make Automation Audit-Ready

• 🔒 65% Adopt, Few Secure: Fintech Guardrails That Stop Costly Mistakes

• 🔍 60% ‘Missed Good’ Found: Behavioral Model Lifts Arrears Accuracy 11%

📈 Trending news

• OpenAI Stake Reframes Profit Path

• Balance Sheet Moves Buy Time

• Scale Personalization Without Raising Risk

🧾 56% Adoption, CFOs on Point: Make Automation Audit-Ready

Compliance Week argues that finance chiefs must co-own automation oversight with compliance leaders. Adoption reached 56% in 2024, up from 41% in 2023, and leaders built inventories, ran supplier checks, and mapped to SOX to create defensible audit trails. Shared ownership turns fuzzy responsibility into precise controls and faster approvals.

Read the full article here »

Key Takeaways:

• 🤝 Shared Ownership: Pair the CFO and CCO under a written charter, link budgets to controls, and review quarterly with internal audit and the board.

• 📚 Trace Every Decision: Maintain a model inventory, document data lineage, and log testing so every decision is explainable, reproducible, and audit-ready.

• 🛡️ Vendors, Not Black Boxes: Require risk clauses, SOC 2 or equivalent assurance, timely breach notice, and predeployment tests before broad access.

• 📈 Measure What Matters: Track exception rates, time to approval, and false positives by use case. Publish a dashboard and tie leadership bonuses to trends.

🔒 65% Adopt, Few Secure: Fintech Guardrails That Stop Costly Mistakes

Fintech leaders are racing to embed automation, but controls trail adoption. McKinsey reports that 65% of companies now use these tools, nearly double last year, while only one third mitigate cyber risk. Living guardrails, from data-use rules to audit logs, let trust scale with speed.

Read the full article here »

Key Takeaways:

• 🧱 Write Down Boundaries: Specify allowed data, retention windows, and red lines. Log decisions and create incident playbooks with named owners and review clocks.

• ✅ Two-Layer Checks: Pair a compliance agent to verify an automation agent’s work, then add human review for edge cases before anything touches customers.

• 🔐 Access Controls First: IBM found 13% reported model or app breaches, and 97% lacked basic access controls. Start with authentication and least privilege.

• 📈 Risk Drives Returns: Firms that invest in risk management see the strongest performance gains, turning adoption sprints into durable, audited wins.

🔍 60% ‘Missed Good’ Found: Behavioral Model Lifts Arrears Accuracy 11%

Good With, in partnership with Fair4All Finance, piloted a behavioral credit model with UK community lenders, surfacing borrowers’ traditional scores that had previously gone overlooked. In a retrospective study, it flagged 60% of “missed good” applicants and lifted arrears prediction accuracy by 11%, while catching 13% of risky accepts. Psychometrics plus open banking data power fairer decisions and wider access next.

Read the full article here »

Key Takeaways:

• 🧭 Find ‘Missed Good’: Retrospective results identified 60% of previously rejected but creditworthy applicants, opening safer credit to thin-file borrowers

• 📊 Sharper Risk Signal: The model improved arrears prediction accuracy by 11% relative to existing scores, reducing false comfort from clean but shallow files.

• 🚩 Catch Hidden Risk: It found 13% of accepted customers who later fell into arrears or default, improving portfolio quality and downstream collections.

• 🧰 Built for Lenders: Integrated into community lenders’ journeys, with an underwriting dashboard and referrals to a free financial well-being app.

📊 Take This Edition’s Poll:

Why It Matters

Shared accountability between finance and compliance turns automation risk into operational advantage. Build model inventories, log every decision, and require vendor transparency.

Strong audit trails and measurable controls protect both speed and integrity.

Wishing you continued success,

Vanessa Carter
Editor-in-Chief
CFO Executive Insights

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