Why AI Needs Guardrails—Especially in Financial Systems

I’ve spent the better part of my career building tools for systems that don’t tolerate mistakes. Online banking platforms in the ‘90s. Coin-counting networks that had to reconcile down to the penny. Fraud prevention and behavioral AI built for scale.

I’ve seen firsthand how fast innovation can move—and how slow accountability can follow.

Today, we’re embedding artificial intelligence into core financial systems at an unprecedented pace. Risk scoring, customer service, transaction monitoring, even compliance functions—AI is touching them all.

That’s not a bad thing. In fact, it’s necessary. But as systems become more autonomous, our responsibility grows in kind.

This section in my blog isn’t about hypotheticals. It’s about what it takes to deploy intelligent systems that don’t just work—but work reliably, responsibly, and at scale.