CPS230

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Every Major ANZ Compliance Framework Now Requires AI Infrastructure

ANZ  ·  7 min read

Every Major ANZ Compliance Framework Now Requires AI Infrastructure

CPS 230 is in force. The Scams Prevention Framework is law. AUSTRAC's AML/CTF reform is enacted. ANZ banks are not facing a regulatory deadline — they are already operating inside one. The question is not whether to act. It is whether the AI infrastructure required to comply already exists.

12 May 2026 banking AI
Five ANZ Frameworks Require the Same AI Governance Architecture

ANZ  ·  6 min read

Five ANZ Frameworks Require the Same AI Governance Architecture

APRA has positioned itself as AI-warm but governance-demanding. The board documentation, operational resilience testing, and human oversight requirements of CPS 230 are not future obligations — they are current compliance requirements. Institutions that built governance-first AI before July 2025 are now demonstrably ahead. Those that did not are remediating under examination conditions.

12 May 2026 banking AI
Which AI Decisions to Prioritise When Three Regulators Are Watching

ANZ  ·  6 min read

Which AI Decisions to Prioritise When Three Regulators Are Watching

Most ANZ banks are targeting AI at the wrong decisions. The ones that identify the right decisions are still failing for three consistent reasons. With CPS 230 in force and AUSTRAC reform enacted, the cost of a failed or ungoverned AI programme in ANZ is higher than it has ever been.

12 May 2026 banking AI