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Mike Hsu

Advisor, speaker, former regulator


  • November 18, 2025

    Panel on “Building Resilience in a Landscape of Digitizing Currencies”

    On November 17 I joined Tim Massad (Harvard Kennedy School), Eugenio Cerutti (IMF), and Gordon Liao (Circle) for a panel discussion on stablecoins and tokenized deposits at CSIS with its Geoeconomic Council of Advisors. The discussion was moderated by Phillip Luck, director of the CSIS economics program and former State Department official. Continue reading

    Speaking engagement
    national security, stablecoins, tokenized deposits
  • November 14, 2025

    Presentation on “The Gap”

    On November 12, I gave a presentation at the Fintech Takes Builders Summit in Bozeman, Montana on the widening gap between the practice of banking/finance and the regulation and supervision of banking/finance. Kiah Haslett moderated a lively discussion with roughly fifty fintech builders. Much of the discussion revolved around the ideas reflected in the regulatory… Continue reading

    Conference, Fireside
    complexity, innovation, regulation, regulatory coverage ratio, sandbox
  • October 17, 2025

    Panel on “The Future of AI Governance”

    On October 16, I joined Melissa Koide of FinRegLab, Him Das of K2 Integrity, Vaik Mugunthan of Dynamo, and others on a panel at DC Fintech Week 2025 to discuss responsible AI. I highlighted the risk of category errors in risk managing AI and the importance of relying on first principles. I also discussed using… Continue reading

    Conference
    AI
  • October 16, 2025

    Guest lecturer at Georgetown, Wharton, and GW

    I have recently guest lectured three classes. On October 6, I joined Georgetown law professor Chris Brummer’s class to discuss stablecoins, AI, and innovation policy. On October 13, I joined Wharton law professor Peter Conti-Brown’s class to discuss anti-money laundering. And on October 15, I jointed GW visiting professors Scott Alvarez and Laurie Schaeffer to… Continue reading

    Guest lecture
    AI, AML, bank-fintech, innovation, resolution, stablecoins
  • October 10, 2025

    Fireside chat “BofA Expert Insights Series”

    On October 9 I had a virtual fireside chat with Ebrahim Poonawala, head of Bank of America’s North America Banking Research, as part of their Expert Insights Series. We discussed a wide range of topics from regulatory reforms, Basel 3 and mergers to fintech partnerships and the macroeconomic environment. Continue reading

    Fireside
    Basel 3, mergers, regulation
  • October 10, 2025

    Keynote Panel on “Shaping the Future of Finance”

    On October 8, I joined Manmohan Singh and Samim Ghamami on the keynote panel for Risk Live North America’s annual conference in Nashville, TN. In addition to discussing the outlook for rates and the future of money, my remarks focused on stablecoins and AI. Continue reading

    Conference, Fireside
    AI, future of money, risk, stablecoins
  • September 30, 2025

    Fireside at AI-Native Banking and Fintech Pre-Conference

    On September 29, I had a fireside chat with Madeline Fredin of Alloy Labs at a pre-conference event for industry and regulatory leaders attending SpringLab’s AI-Native Banking and Fintech Conference in Salt Lake City, Utah. We discussed AI risk governance, model risk management, evals, fintech partnerships, impacts on community banking, and regulatory training, amongst other… Continue reading

    Conference, Fireside
    AI, model risk management, regulation, supervision
  • September 28, 2025

    Panel on “AI Adoption: Enablers and Blockers”

    On September 24 in Frankfurt, I joined Dovile Grigiene (Revolut), Santa Purgaile (Bank of Latvia), and Alexander Thamm, for a panel discussion of AI adoption at the ECB’s annual Supervision Innovators Conference. We discussed the proof-of-concept ‘trap’, the role of culture and inertia, and the risks of moving too slowly. Continue reading

    Conference
    AI, supervision
  • September 18, 2025

    Essay on “AI and Category Errors”

    Today the Forum on Financial Supervision at LSE’s Systemic Risk Centre published my essay, “AI and Category Errors“. In it, I pose the question: Is AI a model, software, or third party service? The answer matters because the risk management frameworks for each are quite different. Below is an excerpt. At regulated financial institutions, models,… Continue reading

    Publication
    AI, artificial-intelligence, business, chatgpt, MRM, regulation, SR 11-7, technology, TPRM
  • September 12, 2025

    Paper on “AI Actionability Over Interpretability”

    Today, I shared a working paper titled “AI Actionability Over Interpretability” on Substack and LinkedIn. I propose taking a pragmatic approach to risk managing and building trust in generative AI. Instead of trying to understand and interpret AI model calculations, we should structure their use so that actionable fixes can be made when things go… Continue reading

    Publication
    AI, artificial-intelligence, chatgpt, CoP, CoT, interpretability, LLM, model risk management, technology
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About Me

I am a former regulatory chief executive (OCC) focused on AI, including agentic reliability in financial services, facilitating policy sludge clean up and policy-as-code, and expanding supervisory capacity at regulatory agencies. I research, write, and advise companies, organizations, and central banks on regulatory policy, innovation, and digital transformation.

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UPCOMING EVENTS

Apr 24 NYU Stern Volatility and Risk Conference (New York, NY)

May 1 DTS Innovation Roundtable (New York, NY)

May 5 Women in Housing and Finance 2026 Symposium (Washington, DC)

May 7 Third Party Risk Management Roundtable (Washington, DC)

May 8 ML Commons, AILuminate Global Assurance Program (New York, NY)

May 19-21 EMERGE (Atlanta, GA)

May 27 Stanford SIEPR Conference (San Francisco, CA)



Recent Posts

  • Presentation “A Regulator’s Perspective on Stablecoins and Digital Assets”
  • Fireside on “Responsible AI in Financial Services”
  • Panel on “How AI, Quantum Computing & Cybercrime Will Impact How We Regulate”

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