Phalgun Kumar

Connecting world events to governance gaps. GRC insights for decision-makers who can't afford to be caught off guard 🇨🇦 | Views are personal

[GRC Signal @GRCSignal]

Shopify shareholders rejected a proposal for a public AI policy. The more interesting #GRC question is, how shareholders can be assured that a defensible #AIgovernance framework exists without needing visibility into the company’s op docs. https://t.co/7Y25NgmR9N

[GRC Signal @GRCSignal]

Tokenization changes the role of #GRC. When transactions become programmable, atomic, and immutable, the greatest control may no longer be the one that catches an error after execution, but the one that prevents the system from executing it at all. https://t.co/3RhGIGuhnO

[GRC Signal @GRCSignal]

#Supermicro's situation highlights a difficult governance reality. Independent investigations reduce uncertainty, but cannot eliminate blind spots. Data quality, methodology, scope, assumptions, all matter. Boards can outsource investigations, not accountability. #grc

[GRC Signal @GRCSignal]

.@JohnDeere $99M right-to-repair settlement is a reminder: GRC increasingly operates where rules are still forming. Proprietary control may be legal today, but if regulators and society begin seeing customer lock-in instead of product protection, compliance alone won’t save you.

[GRC Signal @GRCSignal]

The canary isn’t singing yet, but it has chirped. Private credit lenders should place caution ahead of risky growth. Stronger stress tests, tighter borrower health monitoring, and clear amber/red escalation thresholds may decide who survives this credit cycle. #GRC

[Phalgun Kumar @phalgunkumar]

#GRC View: FSRA is actively cleaning up Ontario’s mortgage sector after years of weak controls around private lending, licensing, and borrower verification. Mortgage-facing firms need tighter governance now, because old compliance habits are turning into enforcement actions.

[GRC Signal @GRCSignal]

#Palantir shows why #GRC can’t just control tools anymore. When AI shapes life-and-death decisions, governance has to decide where it’s allowed, who owns the outcome, and when to stop it before it’s too late.

[GRC Signal @GRCSignal]

‘Traditional compliance will need to develop a new wrapper to contain the risks that #Bitcoin’s volatility brings to @GoldmanSachs Bitcoin ETFs

[Phalgun Kumar @phalgunkumar]

Trust is not a template. Delve is learning this the hard way. #GRC leadership needs to lead the rebuilding this time around. #risk #startup #compliance

[Phalgun Kumar @phalgunkumar]

GRC leaders, you can’t have your pie 🥧 and eat it too. But if you’re going to try, let your investors know. Don’t spook the market with a surprise. Like when Microsoft disclosed that Azure growth could have been higher, but compute capacity was redirected toward internal needs.

[GRC Signal @GRCSignal]

A Middle East war just moved Canadian mortgage rates 0.5% in 3 weeks.

Why? bond yield volatility → fixed-rate lending → your renewal statement.

OSFI’s B-12 calls for dynamic risk models.

But board-level risk appetite documents are reviewed annually. Markets don’t wait. #GRC

[Phalgun Kumar @phalgunkumar]

Some organisations underinvest in the people who run #ServiceNow. One expert leaves or ownership is handed to untrained teams, and adoption stalls. It is like owning a professional camera and only ever using auto mode. #RiskManagement #IRM

[Phalgun Kumar @phalgunkumar]

@tara_deschamps @StefanieMarotta

[Phalgun Kumar @phalgunkumar]

When #payments go social, so do the #risks. #Musk wants to turn X into an everything app, and if money starts moving like memes, #compliance teams won’t just react, they’ll scramble. In this kickoff, I flag what the #AML world needs to brace for. (Part 1 of 4 video series)

[Phalgun Kumar @phalgunkumar]

What happens when opinions go viral — and get paid for? In this video, we explore how small, frequent payments on @X could quietly fund political agendas or ideological movements. It’s not about alarm, just a risk worth keeping on the radar as payments roll out. @XMoney

[Phalgun Kumar @phalgunkumar]

.@X is bringing #payments to the platform — but who’s getting paid? In this first of three videos, we look at the #risk of #sanctioned or high-risk actors quietly receiving funds. Just a possibility, but one worth thinking through before #money starts moving (video 2/4)

[Phalgun Kumar @phalgunkumar]

@NaikDhaivat Greed 😈

[Phalgun Kumar @phalgunkumar]

Meme coins have always been unpredictable, but $TRUMP takes it to a whole new level.

But here’s the real question: What does this mean for investors?

I break it down—no politics, just facts. If you’re navigating #crypto, this is one to watch.

https://t.co/SULdQUCTSD

[GRC Signal @GRCSignal]

🚨Fraudsters are using AI to create fake IDs, deepfakes, and phishing emails that are almost impossible to detect. 🔍 Stay one step ahead in 2024. Watch now! #FraudAwareness #AI #CyberSecurity

[GRC Signal @GRCSignal]

The fall of Assad’s regime is a major geopolitical shift with big implications for AML, KYC, and sanctions in Canada.

🔍 Short-term: Expect tighter oversight on financial flows & aid.
🌍 Long-term: Sanctions may ease if stability emerges.

What’s your take?

#AML #Sanctions