Leading the Next Chapter of Responsible Consumer Banking Innovation

About the Webinar

PRESENTER:

• SP “Wije” Wijegoonaratna, CEO, Aliya

ABOUT THE WEBINAR:

The fundamentals of banking remain durable: trust, deposits, credit discipline, customer relationships, risk management, and regulatory accountability. But the operating environment around those fundamentals has changed.

Consumers and small businesses still need liquidity. When that need arises — a personal loan, working capital, debt consolidation, emergency funds, home improvement, or cash-flow support — customers increasingly expect speed, clarity, personalization, and digital execution. If the bank cannot respond quickly, safely, and fairly, someone else will.
Each of these “liquidity moments” creates a strategic test for banks: will the bank deepen the relationship, or will a fintech, card issuer, embedded finance provider, or megabank capture the credit relationship and weaken primacy?

This session will examine why many banks do not have a model problem as much as a lending execution problem. Customer intelligence, marketing, fraud, credit decisioning, pricing, onboarding, servicing, monitoring, and capital management often remain fragmented across separate systems and teams. The result is slower decisions, higher cost-to-serve, inconsistent customer experience, delayed risk signals, and missed opportunities to serve existing customers responsibly.

Participants will explore how responsible AI can move beyond chatbots, back-office pilots, and isolated analytics into governed production workflows that support real banking outcomes. The discussion will address transaction data, cash-flow intelligence, risk-based pricing, fraud controls, straight-through digital execution, continuous monitoring, and the governance requirements needed to preserve safety, soundness, compliance, and bank control.

Attendees will leave with a practical framework for evaluating how responsible AI can help banks improve consumer and SMB lending execution, deepen primacy, enhance ROA, reduce operating friction, and strengthen risk discipline — without requiring rip-and-replace transformation or surrendering credit judgment.

THIS WEBINAR WILL COVER: 

• Why banking fundamentals remain durable, but lending execution is changing
• How fintechs, card issuers, embedded finance providers, and megabanks are winning customer liquidity moments
• Why primacy increasingly depends on serving customers when they need credit
• Why many banks have a lending execution problem, not simply a model problem
• How transaction data and cash-flow intelligence can improve risk, affordability, and customer targeting
• How responsible AI can move from isolated pilots to governed production workflows
• Governance considerations: MRM, TPRM, fair lending, adverse action, fraud controls, data use, explainability, continuous monitoring, and examiner readiness
• Practical steps for evaluating responsible AI adoption without rip-and-replace disruption

TOP 3 BENEFITS TO ATTENDEES:

1. Reframe the strategic challenge. Understand why the issue is not simply fintech competition or AI adoption, but the shift in lending execution.
2. Gain a practical operating framework. Learn how banks can connect data, risk, customer need, fraud controls, digital execution, monitoring, and governance to improve lending outcomes.
3. Understand how to evaluate AI beyond pilots. Identify the governance, model risk, compliance, third-party risk, fair lending, adverse action, and monitoring questions bank leaders should ask before deploying AI into production banking workflows.
    

ABOUT OUR PRESENTER:

SP “Wije” Wijegoonaratna

CEO, Aliya

S.P. “Wije” Wijegoonaratna is the Co-Founder & CEO of Aliya. A computer science–trained global macro investor, he spent 15 years managing risk and capital across cycles for Tiger Management, Soros Fund Management, Moore Capital, Fortress, and Discovery Capital, later as an early investor and advisor to data-centric technology companies and serving on the boards of SoFi and Cardlytics.
 
He founded Aliya almost a decade ago to bring AI-powered operational intelligence for lending to banks through aliyaOS, a closed-loop system that turns bank-account and credit data into marketing intelligence, governed risk decisions, straight-through execution, and continuous monitoring - allowing loan programs to run 24/7.

**CBA Webinars are free for all CBA members. Please login to register. If you have any questions or need assistance with registration please reach out to Isabella Brennan (ibrennan@consumerbankers.com).