Field note
Financial services · Desk 02
Useful work looks like accounting’s cousin: a first-pass memo, a packet summary, a policy Q&A grounded in documents you already control. It does not look like an LLM deciding credit, or a bot closing a complaint.
If the output can enter a customer file, model risk and compliance own the next paragraph. Consumer ChatGPT is not a control. A vendor copilot inside the core is still a vendor. Name the retention. Name the reviewer.
Skip “AI for banking” suites until one workflow has a named owner and a week of logged output. Copilot in the workbook you already live in is usually the honest first seat. Confirm list prices. Run the calculator before you copy a 2,000-license rollout.
Shadow AI in a credit file is not a productivity hack. It is an exam finding.
How we read this categoryStart with a memo you already review. Do not start with underwriting.
Draft in the model. File in the system of record. Do not let a chat tab hold an account number.
