Finance and insurance
Someone has missed bills in three or more of the last six months.
4briefings
5essays
3patterns
Three patterns run through finance. None is unique to it.
Correct at every step, wrong at the end
1 of its 6 essays is in finance.
No individual part of the system fails. Every department, every agent, every board process does exactly what it was designed to do, and the outcome is still wrong, with nobody positioned to own the gap.
Built to be defensible, not to help
3 of its 8 essays are in finance.
Institutional response systems for fraud, breach and cybersecurity are built to produce a record that the institution acted, not to close the exposure or protect the person living inside it.
The permanent record you didn’t choose
1 of its 4 essays is in finance.
Data about a person is captured once and becomes a durable, portable record used to make decisions about them, with no mechanism for the person to see it, correct it, or reclaim it.
Start with the evidence.
Five essays
Correct at every step, wrong at the end
Built to be defensible, not to help
- Why the Victim Is Always WrongFraud response designed to protect the institution, burden placed on the victim.
- The fraud was an event. This is a condition.Recovery infrastructure built for institutional liability, not the person it’s meant to help.
- It Cannot Automate TrustSecurity advice that transfers the burden of defence to the least-equipped person.
The permanent record you didn’t choose
Two books
Working as DesignedIncludes “The Decision Nobody Made”, an unexplained mortgage decline, and a bank closing the last branch where anyone knew Margaret by name.
Predictive PurposeChapter 4 follows a financial platform for the military and emergency services, built by founders who had lived the failure.Something to do about it.
How to Manage Your Algorithmic ReputationFor when you realise the profile shaping what you see was never one you agreed to.
How to Defend Your Identity from Theft and ImpersonationFor when the voice on the phone sounds exactly like someone you trust.
How to Protect YourselfFor when you already know the threats exist and still don’t know where to start.Done before, in finance.
- 2UK challenger banks architected end to end, working with investors and the non-executive board. One went from first conversation to a hired permanent team.Financial services
- Advisedthe non-executive board of a UK challenger bank, as its fractional CTO.Financial services