Regulator-Grade Judgment. Operator-Level Execution

Serving: Community and midsized banks, fintech companies, de novos, and foreign branches.

Critical during: Pre-exam readiness, MRA remediation, chartering, M&A, and Heightened  Standards transitions.

The Executive Problem

When Regulatory Risk Becomes Business Risk

Regulatory risk becomes financial, operational, and reputational exposure during growth, structural change, and heightened supervisory attention. When governance and controls are not defensible, institutions face:

Formal remediation and enforcement following exam failure
Cost-intensive control environments that don't reduce supervisory risk
Executive and board ambiguity concerning regulatory expectations
The Solution

How We Help Institutions Navigate Scrutiny

Black Knight aligns technology, cyber, and operational risk programs with supervisory expectations at the executive level. We do this through:

Pre-examination executive risk and control assessments
Conversion of technical risk into board-defensible decisions
Preparation for regulatory inflection points, including Heightened Standards, de novo charters, and M&A
Schedule a Risk Strategy Call

Representative Engagements

Selected examples of advisory support for regulated financial institutions at key supervisory inflection points.

Why These Engagements Matter

Growth, change, and scrutiny turn regulatory risk into business risk overnight.

These examples share one imperative: executive clarity, defensible action, and no surprises.
Each is grounded in regulator context, artifacts delivered, and outcomes achieved.

The Differentiator

Applying a Regulator’s Judgment Before Regulators Do.

Regulator-Grade Judgment.
Operator-Level Execution.

Black Knight brings examiner judgment to institutions early, before issues become findings.

Institutions do not fail because they ignore risk. They fail because supervisory expectations are misunderstood.

Controls can pass audit and still fail examination.

We align executive decisions with how regulators assess risk: Early, clearly, and defensible.

Examination Readiness and Confidence

Clarity on risk posture and supervisory priorities.

Executive Alignment Under Scrutiny

Align strategy and accountability during critical inflection points.

Regulator-Grade Risk Assessment

Supervisory lens across IT, cyber, and operational risk.

Early Material Weakness Identification

Surface issues early before escalation, enforcement, or costly remediation.

Services

Regulatory Risk Advisory for Financial Institutions

Targeted advisory support for executive teams navigating exams, growth events, and supervisory scrutiny.

Regulatory Readiness & Examination Support

When you need this: 60–120 days pre-exam, a new examiner team, or following prior findings.

What we do: Targeted pre-exam assessment, evidence readiness, issue validation, and executive narrative alignment.

What you get: Exam-ready package, prioritized remediation plan, and board-ready brief.

Growth & Heightened Standards Transitions

When you need this: Approaching asset thresholds, preparing for Heightened Standards, or anticipating escalation in supervisory attention.

What we do: Align governance, accountability, and risk frameworks to supervisory expectations before escalation.

What you get: Defensible governance structure, clear control ownership, and regulator-aligned program documentation.

De Novo Charter & Licensing Advisory

When you need this: Pre-licensure review, charter application preparation, or early-stage supervisory engagement.

What we do: Structure technology, cyber, and operational risk programs to meet supervisory expectations prior to approval.

What you get: Licensing-ready program package, approval-aligned documentation, and executive readiness brief.

First-Line Risk & Control Execution

When you need this: Before an exam, during control redesign, or when leadership needs independent validation of control effectiveness.

What we do: Execute first-line risk and control assessments, validate design and operating effectiveness, and identify supervisory exposure.

What you get: Risk and control assessment results, issue inventory with severity, and a prioritized action plan.

Executive & Board Advisory

When you need this: When executives or boards need clarity on accountability, outcomes, and defensibility under heightened scrutiny.

What we do: Translate technology, cyber, and operational risk into board-level decisions, tradeoffs, and regulator-ready positioning.

What you get: Executive decision brief, board-ready risk narrative, and defensible escalation and governance guidance.

M&A and Structural Change Advisory

When you need this: Pre-deal diligence, post-close integration, or restructuring that increases supervisory and operational complexity.

What we do: Identify supervisory exposure, assess integration risks, and align remediation plans to exam and governance expectations.

What you get: Risk diligence summary, integration risk roadmap, and regulator-ready execution and reporting package.

How We Work

Engagements follow a simple, disciplined model designed for agility and defensibility.

  • Scoping conversation to confirm priorities and supervisory context
  • Defined objectives aligned to examination readiness and risk posture
  • Execution, documentation, and close-out built to withstand scrutiny
Schedule an Engagement Strategy Call

Fee Approach

Fees reflect the seniority and judgment required for regulatory risk work.

  • Fixed-fee engagements scoped to defined outcomes and deliverables
  • Retainer-based advisory for ongoing support across examination cycles
  • Executive and board advisory for independent perspective and decisions
Discuss Regulatory Priorities

What This Is NOT

We maintain independence and quality by focusing on scoped, outcome-driven work.

  • Staff support or temporary resourcing
  • Generic managed cybersecurity services
  • Open-ended, undefined hourly work
Start a Conversation

Trusted Partners

Partners are engaged based on scope, supervisory context, and client needs. Black Knight remains the primary point of accountability and coordination.

Guardian Technology Group

Veteran-led cybersecurity advisory firm delivering vCISO leadership and regulator-aligned cyber program execution for highly regulated institutions.

Engaged within Black Knight initiatives when embedded leadership or exam-facing execution depth is required.

ERP Risk Advisors

Specialized ERP access-control and segregation of duties advisory expertise focused on granular application-layer risk, role remediation, and SaaS control sustainability.

Engaged within broader Black Knight regulatory engagements when ERP-specific precision is required.

Our Leadership

A Regulator's Perspective

Founded by a former US Treasury Bank Examiner, Black Knight Risk Management advises regulated financial institutions on designing, executing, and defending risk programs that hold up under scrutiny.

Otuoze Baiye

Otuoze Baiye

Founder & CEO

Former Examiner, OCC & NYDFS

West Point Graduate

Army Veteran

Contact Us

Location

New York, New York

Email

contact@blackknightrm.com

Get in Touch

If you’re preparing for an exam, navigating a growth event, or reassessing your risk posture, feel free to reach out directly.

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