Risk Management

Articles on Risk Management from ADVISORI

Artificial Intelligence - AI Risk Management

Trustworthy AI Framework: The BSI A5 Core Module in Practice

New EU requirements are turning trustworthy AI into a precondition that has to be demonstrated. With the BSI A5 Horizontal Trustworthiness Core Module, a cross-technology, cross-sector trustworthy AI framework is now available for the first time. This article sorts the 55 test criteria for AI systems by governance, data quality, transparency, fairness and security, explains the provider and deployer obligations under the EU AI Act, and shows in five phases how to establish AI governance in your organization, embed AI risk management and work towards EU AI Act compliance.

Dr. Helge Thiele

September 21, 2026

14 min read

Risk Management

Real-Time Credit Risk Monitoring: The Five Components That Make It Work

Real-time credit risk monitoring is the continuous surveillance of credit engagements — data processed as it arrives, so a deteriorating exposure shows up in hours rather than at the next quarterly review. It rests on five components: data integration, processing and analysis, dashboards, notifications and scenario analysis. Here is what each one has to deliver, where each typically fails, and what the EBA Guidelines on Loan Origination and Monitoring expect on top.

Dr. Helge Thiele

September 18, 2026

8 min read

Risk Management

Internal Credit Risk Rating: What are the Benefits for Banks?

Internal credit risk rating touches nearly everything a bank does — how much capital it holds, which loans it writes, what it charges, and how supervisors judge its management. Run well, it surfaces trouble in the loan book long before that trouble reaches the income statement. Here is what a strong rating function actually delivers.

Dr. Helge Thiele

September 17, 2026

8 min read

Risk Management Information Security

EBA Draft RTS on Operational Risk Management Framework: What Article 323 CRR Now Requires of Institutions

Published on 26 August 2026 as EBA/CP/2026/18, the EBA draft RTS on operational risk management framework converts long-standing supervisory expectation into binding minimum requirements under Article 323(2) CRR. This article works through governance, the management process and the assessment system, and shows how much of the work turns on a single figure: the EUR 750 million business indicator threshold.

Dr. Helge Thiele

September 16, 2026

18 min read

Artificial Intelligence - AI Risk Management

The EU AI Act for Banks: What 13 Years of BCBS 239 Are Really Worth in the Age of AI

The EU AI Act finds banks on familiar ground: data quality, data lineage, model risk management, and human oversight are disciplines that BCBS 239 has required since 2013 and that the ECB has tightened in its RDARR Guide. The head start is real, but limited. Three requirements have no equivalent in the current framework: bias and fairness controls, the explainability of model decisions, and the fundamental rights impact assessment under Article 27. An assessment that identifies specific areas requiring action.

Dr. Helge Thiele

September 04, 2026

10 min read

Artificial Intelligence - AI Risk Management

AI-Ready Data: Assessing Your Data – The Data Quality Dimensions That Determine AI Success

AI readiness is decided earlier than most organizations expect — at the level of the data itself. This article sets out the data quality dimensions that make data AI-ready, places data readiness for AI within the regulatory framework from the EU AI Act to BCBS 239, and explains why the four classic quality dimensions are not sufficient for AI models.

Dr. Helge Thiele

September 03, 2026

10 min read

Artificial Intelligence - AI Risk Management

AI Governance for Banks: Connecting Data, Models, and Internal Structures

AI governance does not replace what banks already do well. It builds on it. This article shows how data governance, model governance, and internal governance combine into a framework that satisfies supervisors and enables AI at scale: from dataset suitability and continuous monitoring to accountability across the three lines of defense.

Dr. Helge Thiele

July 30, 2026

5 min read

Risk Management

9th MaRisk Amendment 2026: What Changes for Banks Now

The 9th MaRisk Amendment is final: more proportionality, SNCI reliefs, new size categories. All changes, deadlines and an implementation roadmap to 2027.

David Curtis Behm

July 24, 2026

7 min read

Risk Management

The EU Benchmarks Regulation Tightens Again: What ESMA's 2026 Internal Control Guidelines Mean for Benchmark Administrators

The EU Benchmarks Regulation has acquired another layer. On 5 May 2026, ESMA published new Guidelines on Internal Controls that apply from 1 October 2026 — the latest step in a regulatory story running straight back to the LIBOR scandal. Here's what benchmark administrators and credit rating agencies now have to demonstrate.

Dr. Helge Thiele

July 17, 2026

10 min read

Risk Management

The EBA Climate Stress Test: The New 2027 Climate Risk Module and What Banks Should Do

The draft 2027 EBA stress test introduces a dedicated climate risk module, layering transition and flood shocks onto the adverse macro-financial scenario. It leaves capital ratios untouched for now, but it produces exactly the kind of supervisory dataset that shapes future cycles, so the draft is best treated as a dry run.

Dr. Helge Thiele

July 13, 2026

8 min read

Risk Management

PD Model Backtesting in the Spotlight: What the EBA's 2026 Paper Means for European Banks

For two decades, the performance of banks' PD models stayed inside confidential supervisory channels. The EBA's April 2026 Staff Paper changes that — applying systematic PD model backtesting across EU IRB banks, sharpening the binomial test for both asset and serial correlation, and putting a Tier 1 capital number on the result.

Dr. Helge Thiele

June 25, 2026

10 min read

Risk Management

Credit Risk Modeling Trends 2026: Five Shifts Risk Managers Should Prepare For

The credit risk function of 2026 looks materially different from the one most banks still operate. Here are the five shifts, from generative AI to ESG integration, that risk managers should plan for now.

Dr. Helge Thiele

May 19, 2026

5 min read

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