Starling

The Australian Securities and Investments Commission (@asicmedia) has fined @ANZ_AU $160 million USD over widespread culture and conduct failings. insights.starlingtrust.com/content/observ…

In an effort to enhance fairness in bank supervision, the US Federal Deposit Insurance Corporation (@FDICgov) has proposed replacing its internal Supervision Appeals Review Committee with a new Office of Supervisory Appeals. insights.starlingtrust.com/content/observ…

The European Commission has escalated its campaign against national interference in bank mergers, issuing warnings to Italy and Spain as it seeks to boost banking consolidation and competitiveness, as reported by the @FT. insights.starlingtrust.com/content/observ…

Last week, the UK's Financial Conduct Authority (@TheFCA) and Prudential Regulation Authority proposed initial reforms to the Senior Managers and Certification Regime aimed at reducing regulatory burden and supporting growth in financial services. insights.starlingtrust.com/content/observ…

In her speech at the Mansion House dinner last week, UK Chancellor of the Exchequer @RachelReevesMP called for bold regulatory reform, warning that regulation continues to act as a “boot on the neck” of UK businesses, as reported by @Guardian. insights.starlingtrust.com/content/observ…

Earlier today, current and former @Meta executives and directors settled a US shareholder lawsuit alleging that board mismanagement led to billions in penalties over data privacy failures, just after the trial opened in Delaware. insights.starlingtrust.com/content/observ…

In a recent @FT op-ed, Lorenzo Bini Smaghi, Chair of @SocieteGenerale, argues that Europe is falling behind in the stablecoin race and that it risks marginalization in the emerging digital financial system if it fails to act. insights.starlingtrust.com/content/observ…

In an @AmerBanker article published late last month, journalist @EbrimaSSanneh considers whether regulatory independence in the US is on the decline, and what that means for regulators going forward. insights.starlingtrust.com/content/observ…

Don't miss the article by Daniel Davies (@dsquareddigest), author of "The Unaccountability Machine: Why Big Systems Make Terrible Decisions—and How the World Lost Its Mind," in our 2025 Compendium! Davies challenges the prevailing notion that accountability for organizational failure lies with individual actors. Rather, he argues that in today’s complex institutions, outcomes are more often shaped by systems than by single decision-makers. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read Daniel Davies' article on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss our interview with Susan Rice, former Chair of the UK Financial Services Culture Board, in our 2025 Compendium! Rice argues that culture is not what people believe privately, but what they perform publicly. Culture isn’t what people do when no one’s looking, Rice explains. Rather, that is a reflection of that person's values. “Culture is about behaviours that your colleagues admire, and what they deplore. It’s the way people behave in a group setting when they know they’re being observed — when they’re on display,” she argues. “That’s quite different from personal values.” These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read our interview with Susan Rice on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss our interview with Margaret Levi, Professor Emerita of Political Science at @Stanford, in our 2025 Compendium! Levi explores the conditions under which governments — and by extension, major institutions — earn public trust and legitimacy. She argues that governments and private organizations rely on “quasi-voluntary compliance," whereby people comply because they want to, not because they are required to. This cannot be coerced, she explains, as it arises when leaders are perceived as competent and fair. When trust breaks down, so does that willingness to comply. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read our interview with Margaret Levi article on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss our interview with Roy Baumeister, Visiting Scholar in Psychology at Harvard University, in our 2025 Compendium! Baumeister explains why culture is the primary system by which human beings coordinate behavior, regulate emotions, and construct meaning — to the extent that it often overwhelms other organizational structures. “Unlike the other apes,” he notes, “we organize our social life with culture." That organizing function operates through shared behavioral norms that are observed, mimicked, and internalized in service of one overriding human imperative: the need to belong. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read our interview with Roy Baumeister article on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss the article by William Hinman, former Director of the Division of Corporation Finance at the U.S. @SECGov, in our 2025 Compendium! Globally, regulators are scrambling to widen their lens amidst the opacity and deepening interconnectivity between non-bank financial players and traditional firms. Amidst this, Hinman offers a sobering reminder that the supervisory challenge is not only about what lies outside the regulatory perimeter, but also how the perimeter itself is defined, adapted, and enforced. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read William Hinman's article on Starling Insights: insights.starlingtrust.com/content/compen…

Thanks to the @StarlingTrust for having me!

Check out Lab Faculty Lead Professor Sandy Pentland's interview in the 2025 @StarlingTrust Compendium on AI, financial markets, and networked human behavior! Available to Members and those who register for a free Observer account. insights.starlingtrust.com/content/compen…

Don't miss our interview with Walter Massey, former Chair of Bank of America, in our 2025 Compendium! Massey served as Chair of Bank of America during the height of the Global Financial Crisis. In this interview, he looks back on his career, in which he trained as a physicist before leading in such varied environments as national laboratories, universities, and corporate boardrooms, and reflects on how those experiences impacted his approach to governance in the midst of a crisis. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read our interview with Walter Massey on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss the article by @ProfKateJudge, the Harvey J. Goldschmid Professor of Law at @ColumbiaLaw, in our 2025 Compendium! In her essay, Judge argues that a confluence of forces — from the softening of regulatory standards to an overreliance on government intervention in times of crisis — is reshaping the architecture of trust in the financial system. Even as supervisory capacity comes under pressure and government readiness to intervene in markets becomes less certain, the presumption of public support continues. In this climate, Judge warns that institutions may be more fragile than current levels of market confidence imply. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read Kathryn Judge's article on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss the article by Jean-Paul Servais, Chair of the International Organization of Securities Commissions (@IOSCOPress), in our 2025 Compendium! Servais argues that trust is the bedrock of well-functioning financial markets, and that strengthening it depends on effective oversight, sound culture, and robust governance. By focusing on practical measures — including the supervision of culture, AI governance, and board responsibilities — regulators can turn trust from a vague aspiration into a concrete objective, he contends. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read Jean-Paul Servais's article on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss our interview with Sandra Matz, the David W. Zalaznick Associate Professor of Business at @Columbia_Biz, in the 2025 Compendium! Expanding upon arguments made in her recent book, "Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior," Matz explores how technology, including AI, can help us decode the drivers of human behavior and the dynamics of organizational culture. When intentionally designed, she contends, these tools can empower individuals, promote well-being, and support positive change at scale. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read our interview with Sandra Matz article on Starling Insights: insights.starlingtrust.com/content/compen…

Don't miss the article by Fernando Restoy, Chair of the Financial Stability Institute, in our 2025 Compendium! Expanding on recent debates over the post-crisis prudential framework, Restoy argues that policymakers should focus on strengthening qualitative supervision rather than relying solely on ever-tightening regulation. By developing tools to identify and address weaknesses in governance, business models, and internal controls before they translate into financial losses, authorities can resolve firm-specific vulnerabilities more effectively while keeping compliance burdens in check, he explains. These topics and more are discussed in our just-published annual Compendium. The report has become a go-to reference for leaders working to drive innovation in the supervision and management of culture and conduct risk in the banking sector. This year's Compendium features contributions from industry leaders, central bankers, bank regulators and supervisors, international standard-setting bodies, renowned academics and legal scholars, as well as prominent figures from other sectors. Premium Members of Starling Insights can access the Compendium in a searchable, saveable, and shareable format, alongside our archive of the past six editions and other thought leadership content. The PDF edition of the report is available to all those who register for a free Observer account on Starling Insights. To celebrate the launch of the Compendium, Starling Insights is offering a 40% discount on Premium Memberships if you use code "COMP2025" at checkout. Get the report: insights.starlingtrust.com/the-starling-c… Read Fernando Restoy's article on Starling Insights: insights.starlingtrust.com/content/compen…