Emerging Risks in Banking: Q3 2026 Update

The risk environment for financial institutions in 2026 is moving fast. AI model risk and governance, real-time payments fraud, vendor-embedded AI, and state-level regulatory fragmentation are all creating new exposures. At the same time, federal deregulation in bank supervision and consumer protection isn't reducing risk. It's moving it elsewhere.

Join Monica Bolin, CERP, Manager of Enterprise Risk Intelligence at Ncontracts, for a briefing on the top emerging risks to have on your radar now — and what risk leaders can do to stay ahead of them.

Topics include:

• AI model risk, model validation, and governance frameworks — New federal guidance and industry frameworks are shaping what AI governance, model validation, and explainability requirements will look like for financial institutions.
• Third-party and vendor risk in an AI-enabled environment — Vendor-embedded AI is creating governance and accountability gaps that existing third-party risk frameworks weren't built to catch.
• Real-time payments fraud and ACH fraud monitoring — New fraud monitoring requirements are in effect, with rising exposure to business email compromise, payroll redirection, and real-time payments fraud.
• State-level risk fragmentation and AI oversight — State regulators are moving aggressively on AI, consumer protection, and cybersecurity — creating a patchwork of obligations that follow your customers, not your charter.
• Consumer complaint trends as a leading risk indicator — Complaint volume and patterns are increasingly being used to scope examinations, making complaint data a risk management input, not just a customer service metric.
• Fair lending exposure in a shifting regulatory environment — Recent federal action has changed the ECOA landscape, but Fair Housing Act liability and state fair lending enforcement remain fully intact.