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Carl Aridas

Carl is certified in the Scaled Agile Framework (SAFe), a Scrum Master, and a Six Sigma Green Belt project manager with more than 25 years of experience in financial services overseeing large-scale development global, multi-currency accounting, regulatory reporting, and financial reporting software platforms. He has hands-on experience completing, reviewing, and filing Federal Reserve, FFIEC, and IRS reports, including Call Reports, Y9C reports, 2900 reports, TIC reports, and arbitrage rebate reports.

Blogs from this Author

Digital Mind. Brain Artificial Intelligence Concept

Wire Room Math: AI + SME = (Less Compensation Paid) X (Headline Risk + Payment Errors)^2

At the absolute basic level, banks take money in and also send money out. Sort of like saying NASA launches spaceships and then bring them back. You know it’s more complicated than the elementary statement, but you know if you had to learn the more advanced functions of banks and NASA, it would likely be […]

The Intertwining Wires Flash In Different Colors. 3d Rendering Illustration.

ISO 20022 – End of MT Coexistence for Cash Instructions Fast Approaching

SWIFT MT (Message Type) messages are standardized financial messages used by financial institutions worldwide for secure communication and transaction processing. They follow a structured format, categorized by a three-digit code (e.g., MT103, MT202) that indicates the message type and its purpose within the financial transaction lifecycle. A generation of young wire room staff started their […]

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Advantages of Tokenization Documented with Apple Pay

This blog is offered to readers who may be interested in seeing how Apple Pay fits into their payment priorities. Whether executives of merchants or financial intuitions, Apple Pay is an ultra-secure global payment platform too large to ignore. I noted recently while paying for my morning coffee and donut (shh, don’t tell the wife) […]

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An Introduction to PAPSS – Pan African Payment and Settlement System

In existence since just July of 2019, the Pan African Payment and Settlement System (PAPSS) has in many ways surpassed the payment and settlement process of the western banking world. PAPSS enables the efficient flow of money securely across African borders to minimize risk and thereby contributing to financial integration of the African continent. PAPSS […]

Districts Of Hong Kong Map

AI Regulations for Financial Services: Hong Kong

Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything […]

Open Banking Concept

1033 Open Banking Mandate Blueprint for Success

The Consumer Financial Protection Bureau (CFPB) recently issued a final rule § 1033.121(c) supporting open banking and personal financial data rights. Under this ruling, banks, credit unions, credit card issuers, and other financial service providers must enhance consumer access to personal financial data. The first compliance deadline of April 1, 2026, impacts the largest organizations. […]

Tokyo Japan

AI Regulations for Financial Services: Japan

Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything […]

Portrait of a Financial Analyst Working on Computer with Multi-Monitor Workstation with Real-Time Stocks, Commodities and Exchange Market Charts.

AI Regulations for Financial Services: South Korea and the UK

Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything […]

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AI Regulations for Financial Services: European Union

Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything […]

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AI Regulations for Financial Services: Federal Reserve

Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything […]

Sec Building

AI Regulations for Financial Services: SEC

Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything […]

Cftc

AI Regulations for Financial Services: CFTC and FDIC

Artificial intelligence (AI) is poised to affect every aspect of the world economy and play a significant role in the global financial system, leading financial regulators around the world to take various steps to address the impact of AI on their areas of responsibility. The economic risks of AI to the financial systems include everything […]

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