Blog
Governance, audit, and engineering notes from building AI for UK regulated finance.
5 August 2026
Every layer these agent frameworks define is read by the model it is meant to constrain. I audited my own two systems against that question and found a control the controlled party could re-sign. The structure is real. The enforcement is not.
Read more24 July 2026
"Disclosure alone is not enough." The FCA's new insurance director just raised the bar for evidence. AI-assisted decisions are where that bar is hardest to clear.
Read more8 July 2026
Ten. That is how many banks the FCA has fined for financial crime control failings in the last four years. Monzo, £21 million. Starling, £29 million. Metro Bank, £16.7 million. Different banks, different products, different years. Read the final notices side by side and one pattern holds across all of them.
Read more