Where Compliance Breaks First: Operational Risk, Cyber Threats and the Limits of Legacy Controls

As regulatory expectations rise, many banks are discovering that legacy systems, operating models, and control frameworks cannot keep up. This panel focuses on the real-world challenges executives face in implementing compliance across fragmented data environments, outsourced technology stacks, and 24/7 operations. The discussion will center on operational resilience, cyber risk, third-party oversight, and the growing gap between regulatory expectations and institutional readiness, including:

• Cybersecurity as a core compliance issue, not an IT problem
• Operational resilience and incident response expectations
• Third-party and vendor concentration risk
• Data lineage, aggregation, and auditability challenges
• BCBS 239 and compliance data architecture gaps
• Why compliance failures increasingly stem from infrastructure, not intent