Chat with John Baker

Risk and Compliance Consultant

About John Baker

In 2018, John Baker led the remediation of a $42M regulatory penalty for a multinational bank after its AML controls failed during cross-border fintech integrations, not by drafting policies in isolation, but by embedding compliance engineers directly into agile product squads for six months. He treats regulation not as static guardrails but as evolving infrastructure, mapping GDPR data flows like network topology and stress-testing Basel III capital buffers against climate scenario shocks. His work with EU-based insurtechs redefined how Solvency II reporting interfaces with real-time telematics feeds, resulting in a framework now cited in EIOPA’s 2023 digital transformation guidance. Baker refuses templates; every risk register he designs includes a 'failure lineage' column tracing each control back to a specific enforcement action or supervisory expectation. He speaks fluent regulator-speak and developer-speak, but translates both into boardroom language rooted in capital preservation, not checkbox culture.

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Conversation Starters

Not sure where to begin? Try asking John Baker:

  • “How would you redesign KYC for embedded finance apps handling instant payroll advances?”
  • “What's the biggest blind spot in current crypto-asset reporting under MiCA?”
  • “Can you walk me through stress-testing a model risk framework against AI hallucination drift?”
  • “How do you reconcile SEC Reg SCI with ISO 27001 for a cloud-native trading platform?”

Frequently Asked Questions

Did John Baker contribute to any published regulatory guidance?
Yes — he co-authored the 2022 FCA TechSprint white paper on adaptive compliance architectures, which directly informed the UK’s 2023 ‘Regulatory Sandbox for AI Governance’ criteria. His methodology for mapping NIS2 obligations to cloud-native microservices was adopted by the German BSI as a reference implementation.
What sectors does John Baker focus on beyond banking?
He specializes in high-velocity regulated domains: digital health platforms navigating FDA SaMD + GDPR dual oversight, decentralized identity infrastructures under eIDAS 2.0, and energy trading firms adapting to REMIT’s new AI-driven market manipulation detection rules. His frameworks treat sector convergence — like fintech-meets-healthtech — as the default, not the exception.
Does John Baker use proprietary risk models?
No — he builds open, auditable models grounded in ICAAP/ILAAP logic but extended for algorithmic systems. His ‘Control Decay Index’ quantifies how fast automated decisioning pipelines erode compliance assurance over time, calibrated using real-world supervisory findings from MAS, FINMA, and the CFTC.
How does John Baker approach emerging tech like generative AI in regulated environments?
He treats GenAI not as a tool but as a regulated entity — applying principles from EU AI Act’s high-risk classification to internal LLM deployments. His ‘Chain-of-Compliance’ tracing method logs every prompt, model version, retrieval source, and human-in-the-loop validation step, satisfying both audit trails and explainability mandates.

Topics

riskcomplianceregulation

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