ARCHIVES

Original Article

Dual-Regulator Convergence: 11-Pillar Architecture for G-SIB Consent Order Remediation

Mohan Kumar Sonne Gowda1
1 Senior Audit Manager, HSBC Bank N.A., USA.

Published Online: November-December 2025

Pages: 202-208

Abstract

Research demonstrates the continuing pressure from both dual regulators in US - OCC and FRB - that has been placed on the largest Global Systemically Important Banks (G-SIBs) after the 2008 financial crisis. This paper provides a unique solution to the Matters Requiring Attention (MRAs) and 2010/2012 consent orders via an 11-pillar remediation structure that resulted in a remarkable 95% on-time closure rate and a very low reopen rate. Using a severity-priority matrix and a tiered governance structure has also significantly reduced residual risk and allowed the banks to avoid large regulatory fines by maintaining an adequate regulatory buffer. The automation of the data center architecture for the framework will also improve regulatory visibility. Key innovations include an efficient change control process, a hybrid execution methodology, and a global delivery model. Overall, lessons learned relate to promoting the cultural alignment of organizations. The expectation is that, in the future, this framework will provide G-SIBs with a strategic compliance advantage, with the expectation that advanced technology and scalability features will be implemented by 2030.

Related Articles

2025

A Comprehensive Review on Antibiotic Resistance

2025

AI-Driven Conversational Models for Supporting Migrant Career Guidance and Labour Market Integration: A Scoping Review

2025

Cloud-Based MIS Framework for Streamlining Outcome-Based Education Evaluation in Higher Education

2025

A Scalable System Design for Real-Time Personalized Recommendation Engines in E-Commerce

2025

AI-Powered Career Advisor (A Personalized Career Guidance System)

2025

Web News Pulse: Smart Web Scraping Based News Platform

Share Article

X
LinkedIn
Facebook
WhatsApp

Or copy link

https://test.ijsreat.com/archives/10.59256/ijsreat.20250506030

*Instagram doesn't support direct link sharing from web. Copy the link and share it in your Instagram story or post.