Risk Intelligence

GARP helps the risk community enhance their decision-making by promoting a “culture of risk awareness®.” We achieve this by providing education and information for everyone, from newcomers in the risk field to leaders of risk programs at major financial institutions worldwide, including the regulators who oversee them.

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The Stablecoin Breakout

1 week ago | garp.org | Jeffrey Kutler |Michael Shashoua

On February 25 at the Economic Club of Washington, D.C., in a public conversation with club chairman David Rubenstein, Bank of America CEO Brian Moynihan delved briefly into the subject of stablecoins.
Liability Management Exercises Continue After Courts Have Had a Say

2 weeks ago | garp.org | John Hintze

The leveraged-loan restructurings known as liability management exercises (LMEs) climbed to record levels as troubled borrowers sought to avoid bankruptcy. But the contentious out-of-court transactions have been somewhat tempered by legal rulings as senior lenders continue to defend their interests. The restructurings, enabled by weak lender protections in loan documentation, generally seek to extend loan maturities, lower interest rates, or otherwise provide relief to debtors.
To Model or Not to Model?

3 weeks ago | garp.org | Tony Hughes

Whenever a bank considers the construction or purchase of a new model, the first decision they must take is always, “should we or shouldn’t we?” This decision, which is not well covered by existing model risk management practices, actually carries quite a bit of risk for a bank. Tony HughesTo illustrate, consider two hypothetical banks with the same target market, business model and broad attitude to risk.
Significant Risk Transfer Deals May Be Subsiding, but Supervisory Attention Is Not

4 weeks ago | garp.org | John Hintze

Following a meeting in March, the Basel Committee on Banking Supervision cited its ongoing work in such areas as “lessons learned” from the 2023 banking turmoil, technology risk and resilience, and “banks’ interconnections with non-bank financial intermediation (NBFI).” As part of the latter assessment, the committee said it intended “to conduct over the coming year a deep-dive investigation on synthetic risk transfers (SRTs),” which banks use to transfer their credit risk while keeping loans...
As Artificial Intelligence Gains Steam, the Power Grid Heats Up

1 month ago | garp.org | David Weldon

The costs of artificial intelligence are rising. It’s not only the investments in business transformation and Big Tech companies’ capital spending, now climbing into trillions of dollars. AI is also power-hungry. For electricity, that is. Demand from all those hyperscale computing clusters and data centers is pushing the limits of power grids.
Is a Major Hedge Accounting Update on the Way?

1 month ago | garp.org | John Hintze

Market participants waiting for years for comprehensive hedge accounting guidance may soon get their wish. The Financial Accounting Standards Board included “Risk Management and Hedge Accounting” in its January Agenda Consultation document with an invitation to comment. Hedge accounting in financial statements describes the use of derivatives to hedge interest-rate and foreign-exchange risk.
Trump’s Executive Orders: An Actuarial View of Risks, Opportunities, and the Role of Risk Professionals in Navigating Change

1 month ago | garp.org | Dominic Lee

On January 20, 2025, President Donald Trump signed a series of executive orders aimed at reshaping U.S. policies on energy, international agreements, trade and public health. From energy independence and international environmental agreements to public health and trade policy, these actions began to disrupt industries, global markets and diplomatic relations. They also create a complex risk landscape that demands careful analysis and proactive management.
While Financial Market Infrastructures Are Positioning Themselves for Digital Assets, Chainlink Is Connecting the Connectors

2 months ago | garp.org | Michael Shashoua

The list of projects on a Chainlink blog page could have come off of an international banking and capital markets directory. There are names of infrastructure operators (Swift, Euroclear), banks (ANZ, Bancolombia, Emirates NBD) and asset managers (Fidelity International, Sygnum), as well as blockchain initiatives of Germany’s Börse Stuttgart (BX Digital and BX Swiss).
Volatility Control Indexes Prove Capable of Stabilizing Investment Performance

2 months ago | garp.org | Michael Shari

A category of investment indexes is enabling agile adjustments across a combination of assets – like cash or bonds on the low-risk side, and stocks on the high-risk side – in a single fund, typically an annuity. With these volatility control indexes, also known as risk control indexes, investors decide how much volatility they are comfortable with. Once the target is set, stocks are sold and bonds are bought when the equity market becomes too volatile for comfort.
Anti-Money Laundering Rules Go in ‘Risk-Based’ Direction

2 months ago | garp.org | Jim Romeo

For the U.S. Treasury Department’s Financial Crimes Enforcement Network (FinCEN), criticism from financial institutions over anti-money laundering compliance burdens is a constant. But the agency is pushing ahead with proposals that speak the industry’s language.