Growing Library
Adjacent Research
Not all balance sheet risk lives inside the ALM function. These projects examine adjacent areas where governance gaps, technology adoption, and regulatory expectations intersect — with direct implications for how banks manage risk and make decisions.
All analysis is based on publicly available data and represents personal opinion only.
Blue Ridge Bank
BaaS Exit Playbook
A structured examination of the regulatory, operational, and balance sheet implications of a BaaS business model exit — and the execution decisions that determine outcomes.
Research postGovernance Pattern
BaaS as a Warning on AI Implementation
Drawing parallels between BaaS governance failures and early AI adoption patterns — what the BaaS cycle teaches practitioners about deploying new capabilities without adequate governance frameworks.
Research post