Financial services are in the process of being reshaped by the winds of change. Many of these changes are driven by changes in international standards. Other...

In an increasingly globalised world, we are very aware that many areas are underserved and would benefit greatly from innovative financial solutions. The...

In my engagements with financial services professionals, I have shared my vision of the future of regulation. One aspect of regulatory engagement that I...

Evolution, simply put, is a process of change and adaptation. Regulatory practices and approaches evolve too. From a Darwinian position, those...

Recently, I was fortunate to have the opportunity to present to an engaged group of compliance professionals through the Co-op Credit Union League of...

One of the challenges that continues to bedevil long-lived regulated firms is their legacy business – the portfolio of clients whom regulation grew up...

Conducting customer due diligence (CDD) does not come without its potential challenges and pitfalls. Here are some insights to help you identify the...

I’ve had a unique regulatory career thus far! In the almost-20 years of regulation, I have regulated investment business, fiduciary services, insurance...