Author

Dawid Kotur

CEO and co-founder, Curvestone

Dawid co-founded Curvestone in 2024 after a decade working at the intersection of financial services and applied machine learning. He writes about the strategic direction of regulated-industry AI, the FCA's evolving approach to model risk, and the operational changes UK lenders are making in response to Consumer Duty. He sits on the FCA Smart Data Accelerator advisory cohort.

Writes about

AI in regulated financial servicesFCA Consumer DutyMortgage complianceModel risk managementAI governance

19 articles

17 Jul 2026

Model risk management for AI: from validation to live monitoring

The Mills Review says AI forces model risk management to evolve, from a point-in-time check to live monitoring across the model lifecycle. What it means.

17 Jul 2026

The Senior Managers Regime and AI: what the Mills Review means

The Mills Review confirms the Senior Managers Regime still applies as firms adopt AI. What changes is how SMFs evidence reasonable steps. What to do now.

8 Jul 2026

Compliance was a cost centre. The Mills Review makes it an advantage.

The Mills Review's real message was not about regulating ChatGPT. It was that firms who can prove what their AI did will win the business.

8 Jul 2026

The Mills Review and mortgages: what it means for lenders

The FCA's Mills Review maps how AI reshapes lending by 2030. What it means for mortgage networks, lenders and brokers, and what to do now.

8 Jul 2026

What is the Mills Review? The FCA's AI review, explained

The Mills Review is the FCA's 2026 report on how AI reshapes financial services by 2030. The autonomy spectrum, four shifts and seven recommendations, explained.

6 Jul 2026

Building or buying AI: a conversation with Dawid Kotur

Curvestone AI CEO Dawid Kotur on how lenders should weigh building versus buying AI for compliance, and how to adopt AI without the theatre.

2 Jul 2026

The AI trust gap is mislabelled. It's an evidence problem.

The AI trust gap in regulated finance is mislabelled. The blocker is not model capability, it is reproducibility: can you evidence what the AI did?

1 Jul 2026

AI's real job in wealth management is compliance, not advice

The AI story in wealth management is really about compliance, not advice. Why full coverage beats sampling, and why bundling the two tools is the mistake.

25 Jun 2026

Curvestone and OMS: compliance checking for every mortgage case

OMS now runs Curvestone's compliance checking inside its mortgage case journey. Why the check belongs in the workflow, not another portal, and what changed for the first networks.

19 Jun 2026

Consumer Duty board reports: the 12-cell evidence grid

What a Consumer Duty board report must evidence, the 12-cell outcomes-by-rules grid the FCA now expects, and the Year-2 failure modes to avoid.

18 Jun 2026

Consumer Duty cross-cutting rules

The three Consumer Duty cross-cutting rules: what each demands, how the FCA expects you to evidence them, and why sampling files no longer proves it.

16 Jun 2026

Loan origination software for UK lenders: the 2026 buyer's reference

Loan origination software for UK lenders. What an LOS does, what it doesn't include, and why the compliance layer at origination is the buying-decision pivot most overlook.

11 Jun 2026

Consumer Duty: why evidencing good outcomes never stops being the job

The Consumer Duty is the FCA's good-outcomes standard. Discover why it is a permanent evidencing obligation, not a finished 2023 project, and how to prove it.

11 Jun 2026

The agentic advantage: why regulated firms are built to win with AI

Agentic AI is an advantage for regulated firms, not a threat: govern agent conduct with the rules you already run, and partner for the architecture.

10 Jun 2026

Real-time compliance monitoring: why sampled audits are too late

Periodic audits document risk after the deal completes. Curvestone's argument for real-time compliance monitoring that gates every case before completion.

10 Jun 2026

AI in mortgage compliance: oversight first, speed follows

Brokers named compliance checks as AI's biggest opportunity. What UK lenders need from AI in mortgage compliance: supervision, audit trails, 100% coverage.

25 May 2026

How to prepare for an FCA Consumer Duty audit

6-step workflow for FCA Consumer Duty Year-2 board reports. What the FCA's April 2026 observations actually require, and how to evidence outcomes at case level.

17 Feb 2026

AI explainability is not optional in regulated compliance

Explainability is the baseline for AI in regulated compliance, not a premium feature. Why a flag no one can explain is a decision no one can defend.

20 Jan 2026

MCOB suitability: seven things mortgage advisers get wrong

The seven suitability report errors mortgage advisers repeat under MCOB 4.7A, from missing reason-why to unrecorded vulnerability, and how to stop them.

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