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Here we publish articles relevant to our consulting work — and to companies that want to use AI responsibly while entering or maintaining the European market. Freely accessible, no lead-magnet funnel, no tracking. A publishing habit that matches our standard for consulting: anyone who sells trust has to make their work auditable.
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The Unseen Cost of Intelligence
The Unseen Cost of Intelligence A field guide to AI’s environmental footprint — and why it belongs on every sustainability agenda. Most organizations that take sustainability seriously have invested considerable effort in understanding where their environmental costs arise. They track emissions. They report against recognized frameworks. They set targets, publish results, and face scrutiny when…
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Article 27 in Practice: A Fundamental Rights Impact Assessment Your Validation Function Can Sign
Article 27 in Practice: A Fundamental Rights Impact Assessment Your Validation Function Can Sign The AI Act is unusually accommodating towards regulated financial institutions. Where an institution already operates under supervisory requirements for internal governance, it does not have to build that substance a second time. The risk management system under Article 9 may form…
Responsible AI Is an Operating Model
Responsible AI Is Not a Project. It’s an Operating Model. Most organisations treat responsible AI as an undertaking with a start, an end and a sign-off. At the end there is an audit, a certificate, a folder. None of that is wrong — it is simply incomplete. A certificate documents a date. An AI system…
Algorithmic Fairness in Underwriting and Scoring
Algorithmic Fairness in Underwriting and Scoring — What Prudential Validation Does Not Test For actuarial functions, credit risk modelling and model validation: which fairness metrics apply to a real scoring or pricing model, why they contradict one another, and why the exercise need not fail on the fact that you are not permitted to hold…
Your Fairness Test Has a Shelf Life
Your Fairness Test Has a Shelf Life Prudential validation measures whether a model still discriminates well and calibrates cleanly. Neither of those degrades when fairness does. A note for validation functions in banks and insurers. The awkward property of a passed test Your internal model is revalidated on a cycle. For SSM-significant institutions the cadence…
Where the AI Act Goes Beyond Your Existing Model Risk Management
Where the AI Act Goes Beyond Your Existing Model Risk Management A cross-border reading for risk control and validation functions at banks and insurers across the EU. What prudential validation already covers — and what the AI Act adds, wherever in the Union you sit. “We have functioning model risk management. What we don’t have…
ISO 42001 in Plain Language
ISO 42001 in Plain Language: What AI Management System Certification Actually Means A standard that is frequently misunderstood When ISO/IEC 42001:2023 comes up in conversation, the most common reaction from executives is something like: “Good — so if we get certified, our AI is compliant?” That is a reasonable assumption. It is also wrong in…
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