The Beyond Capture Podcast

In this episode of Beyond Capture, Alan Charbonneau, CTO of Umony, speaks with Adam Benjamin, CPO of Umony, about the evolution of archiving in financial services and how changing technology, regulation and communication channels have reshaped the role of the archive.

The conversation looks back at the shift from on-premise data centres to cloud infrastructure, the growing volume and variety of communications that financial institutions need to capture, and the challenges created by email, mobile, messaging and collaboration platforms. They discuss how the archive has evolved alongside these changes, from a repository for stored records to a more integrated source of information for compliance, surveillance and analysis.

Alan and Adam also examine the impact of regulation and the increasing complexity of communications environments, including the need to reconcile data across multiple systems and channels. They discuss data quality, repair and transcription, and how advances in AI are changing what can be done with archived communications.

The episode concludes with a look at the archive as an intelligence hub, and how more focused, purpose-built AI and data infrastructure could change the way firms work with the information they already hold.

Chapters:

00:00 Intro

01:10 Origins: 10 Years in Archiving & the Shift to the Cloud

09:29 Endless Regulation & Reframing the "Archive" as an Intelligence Hub 

17:38 Restructuring Compliance: First Line vs. Second Line of Defense

24:26 Beyond Lexicons: How AI Ends Alarm Fatigue

33:55 The AI Jobs Myth & the Compressed Timeline of Change

45:06 Building AI-Native: In-House Models Over Frontier APIs

55:31 ”Designing for a Future Where Tokens Are Free”

1:03:56 Migration, Data Repair & One Archive for Voice and Text

1:11:09 Advisory Boards & Automating Workflow Triage

1:14:50 Elegant Design vs. Feature Bloat (the "Cereal Aisle" Philosophy) 

1:24:32 Proactive Compliance & the Case for an AI Mandate

In this episode of Beyond Capture, Dean Elwood, CEO of Umony, is joined by Paul Ford, investor, advisor and exited founder of Acin, for a conversation on leadership, risk and the pace of change in financial services. Paul draws on his five years in the British Army and almost 15 years in banking to explain how the military trains people to assess a situation, make a decision and get on with it at the appropriate pace. He talks through the journey from running a consultancy to building Acin, stripping operational risk back to first principles and treating it as data, which allowed banks to compare their risks and controls against the rest of the industry rather than operating in isolation. The conversation closes with Paul's view on why AI adoption inside banks will take longer than most people expect, and what he looks for now as an investor backing founders through Aurrera.

Chapters:
00:00 Intro
01:02 Sandhurst and the Making of a Leader
09:39 From the Army to the Corporate World
14:43 Starting Anchura Partners: The Grind of Building a Business
21:44 From Idea to ACIN: The Whiteboard Moment
30:15 Turning Data Into a Product
37:01 Asymmetric Information and the Regulators
48:19 AI's Future in Banking and Life After ACIN
54:30 Quick-Fire Round: Leadership, AI, and Startups

In this episode of Beyond Capture, Dean Elwood, CEO of Umony, speaks with Manuela Gazzard, President of Regulatory Services at BSI, about the growing importance of trust, standards, and independent assurance in the age of artificial intelligence.

Drawing on her experience leading global regulatory services across high-risk sectors such as medical devices and AI assurance, Manuela explains why AI governance is rapidly becoming a key business priority. The discussion explores ISO/IEC 42001, the world's first international standard for AI management systems, how organisations can approach certification, and why accredited assurance is central to building confidence in AI.

Dean and Manuela also explore the difference between accredited and unaccredited certification, the need to strike a balance between innovation and regulation, the implications of the EU AI Act, and how continuous assurance, alongside AI-driven auditing, could reshape compliance in the years ahead.

Bringing together insights from financial services, healthcare, and global regulatory practice, the episode considers what responsible AI looks like in reality and why trust is set to become one of the defining competitive advantages of the AI era.

Chapters:
00:00 Intro 
01:32 From Cancer Research to AI Standards: Manuela's Journey
03:26 How BSI Protects Lives Through Medical Device Regulation
06:38 Building Trust in AI: Why ISO 42001 Matters
08:51 How to Prepare for ISO 42001
11:39 Accredited vs. Unaccredited AI Certification: Why It Matters
16:57 Should Financial Services Require Accredited AI Certification?
20:30 Can Regulation Encourage Innovation Instead of Slowing It Down?
23:09 What Procurement Teams Should Look for When Buying AI Solutions
27:21 Why Independent AI Certification Matters More Than Trusting the Vendor
29:21 The Future of AI Regulation: EU AI Act vs. United States
36:19 Why Independent Testing Is Essential for Safe AI
40:55 Why AI Needs Continuous Auditing
43:39 How BSI Uses AI to Audit AI
48:17 Can We Really Trust AI in Healthcare?
53:07 Will ISO 42001 Become the Next ISO 27001?
56:55 The Future of AI Assurance: From Audits to Continuous Monitoring
1:00:32 Quickfire Questions: Trust, AI, Regulation & the Biggest Governance Gaps

In this episode of Beyond Capture, Dean Elwood, CEO of Umony, and Alan Charbonneau, CTO, cover a lot of ground on where AI is actually heading, and what it means for the people in its path.

Which jobs are genuinely at risk and which are more protected than people assume? Why might bureaucracy and regulation prove a more durable barrier than human intelligence? And why did white-collar and technical roles go first, when nobody expected them to?

The conversation also takes in what we lose when technology optimises away the social texture of everyday interactions, recursive self-improvement, the GPU supply crunch, whether frontier model companies have a sustainable business model at all, and the governance headache facing any large organisation trying to keep up.

On the software side, UI remains the last genuinely hard problem, the cost of code is heading towards zero, and the developers who will thrive are the ones willing to become architects rather than coders.

Chapters:
00:00 Intro
01:07 AI & Jobs What's on the Chopping Block? 
04:10 Bureaucracy Is the Final Boss 
05:54 Do We Still Want to Deal with Humans? 
10:25 Japan, Gen Z & the iPad Coffee Shop 
16:48 White Collar Went First - The AI Jobs Surprise 
21:26 Robotics, Blue-Collar Safety & the Feedback Loop Problem 
24:04 Recursive Self-Improvement & the Frontier Model Race 
31:43 AI Everywhere: The Governance Challenge 
38:29 Security Armageddon Good AI vs Bad AI 
45:41 Are We in a GPU Subsidy Bubble? 
48:55 Commoditisation & the Return of Timeshare 
53:30 The Last Frontier: Why AI Still Struggles with UI Design 
56:01 Developers Won't Disappear They'll Become Architects 
1:03:20 Applications on Demand and the End of Traditional Software Development 
1:08:52 The New Skills of the AI Era: Communication, Empathy, and Trust 
1:14:57 Beyond Productivity: How AI Changes Human Experience 

Full output from the prompt:

https://chatgpt.com/share/6a2c0c10-0f9c-83eb-82cd-75278aa3d19a

In this episode of Beyond Capture, Dean Elwood, CEO of Umony, brings together Tracey McDermott, former Acting Chief Executive of the Financial Conduct Authority and former Group Head of Conduct, Financial Crime and Compliance at Standard Chartered, and Stephen Sanders, former Chief Compliance Officer EMEA at J.P. Morgan.

The discussion focuses on the role of enforcement in shaping behaviour across financial services, and how cultural reform is driven within firms. Tracey McDermott explains how regulators use enforcement to set expectations, while responsibility for cultural change remains with leadership inside organisations. Stephen Sanders adds a practitioner perspective on how firms respond to regulatory pressure and embed accountability.

The conversation also looks at where firms remain underprepared this year, including gaps in how culture is assessed, how conduct risk is managed across business lines, and how regulatory expectations are translated into day to day practices.

The episode brings together regulatory and industry perspectives on how enforcement, leadership, and internal culture interact in practice.
 

Chapters:

00:00 Intro

01:17 What Do Recent Enforcement Cases Tell Us About 2026

03:15 Is the Regulator–Firm Relationship Really a Partnership?

06:14 Why This Relationship Is Cyclical

12:33 The Limits of the Partnership

18: 23 What Compliance Leaders Do After an Enforcement Case Hits

22:34 Connecting the Dots in Compliance

28:35 What Firms Aren’t Ready For in 2026

36:47 AI, Legacy Systems & New Blind Spots

43:24 Rethinking the Three Lines of Defence

53:33 What Good Regulatory Dialogue Looks Like

57:49 Breaking Down Compliance Silos

1:03:43 Rethinking Suspicious Activity Reporting

1:08:26 The Shift from Human to Machine Oversight

1:15:53 The Reality of Regulatory Divergence

1:21:29 Global Standards Without a Global Regulator

1:24:39 Speed Round: Risk, AI & Regulation

In this conversation, Dean Elwood speaks with Tracey McDermott, former Acting Chief Executive of the Financial Conduct Authority and former Chief Compliance Officer at Standard Chartered.

Drawing on her experience on both sides of the regulatory divide, Tracey reflects on how misconduct emerges inside financial institutions, what regulators look for when things go wrong, and how banks can build stronger cultures of accountability.

The discussion covers the mortgage endowment scandal, LIBOR, the challenge of rebuilding trust in financial regulation, and the evolving role of compliance as data and AI reshape the industry.

Chapters:

00:00 Intro
01:17 From Litigation to the Financial Regulator

04:29 The mortgage endowment mis-selling case

07:22 Rebuilding Trust in the Regulator

10:17 The Reality of Leading a Public Regulator

12:56 The role of boards in risk oversight

15:25 The Hidden Patterns Behind Financial Misconduct

18:05 Enforcement vs Culture in Financial Institutions

20:27 Why the LIBOR Scandal Changed Everything

22:47 Individual Accountability vs Systemic Failure

26:34 The Hardest Problems Finance Still Has

30:27 The Gap Between Regulation and Reality

32:00 Looking Back on a Career in Regulation and Banking

33:58 The Future of Compliance and the Role of AI

In this episode of Beyond Capture, Dean Elwood, CEO of Umony, speaks with Corinna Mitchell, General Counsel of Symphony, about supply chain risk, operational control and regulatory resilience in financial services.

The conversation examines how resilience obligations extend through the supply chain, the role of certifications such as ISO 27001, ISO 42001 and SOC 2, and why accreditation and verification of those certifications matter. Corinna explains how financial institutions assess control and security across vendors and subcontractors, how critical and important suppliers are identified, and how proportionality is applied in practice.

They also discuss regulatory expectations under DORA, where responsibility remains with financial entities, and how technology providers are preparing through contractual frameworks, governance and supplier oversight. The episode concludes with a look at how firms assess vendor risk, manage subcontractors, and present resilience and assurance in an increasingly complex regulatory environment.

Chapters:

00:00 Intro

01:15 Introduction: Off-Channel Communications in Finance

02:57 WhatsApp Fines & Regulatory Crackdowns

05:45 Data Privacy & End-to-End Encryption

08:09 AI, Analytics & Human Oversight

10:25 Explainability, Auditability & AI Risks

13:36 Certifications: ISO, SOC 2 & Trust Signals

16:51 DORA & Operational Resilience

18:34 Supply Chain and vendor risk

21:32 Certifications, Accreditation & Vendor Due Diligence

30:28 Cloud, Data Locality & Multi-Region Failover

37:55 Global Standards & Harmonisation Challenges

42:37 Product Vision – Analytics, Interoperability & Workflows

47:29 Identity, Trust & The Future of Communication

54:28 Outages, Geopolitics & Preparedness

59:09 Pen Testing, Red Teams & Cyber Defence
01:03:56 Closing: Practical Steps for Secure Communications

UKAS - United Kingdom Accreditation Service - https://www.ukas.com

UKAS Certcheck - https://certcheck.ukas.com

The UK National Cyber Security Centre (NCSC) runs CHECK, and publishes a directory of assured CHECK providers - https://www.ncsc.gov.uk/schemes/check/find-an-assured-check-provider

CREST positions itself as an accreditation body for cyber security service providers and maintains a searchable member directory - https://www.crest-approved.org/members/

In this wide-ranging conversation, Dean Elwood, CEO of Umony, sits down with Alan Charbonneau, CTO of Umony, to explore one of the most pressing questions in today’s AI landscape: what does it really mean to trust intelligent systems?

From hallucinations and explainability to hybrid lexicons, human-in-the-loop workflows, and the limits of agentic systems, Dean and Alan break down where AI delivers, where it fails, and why progress may be shifting from “jobs” to “tasks.”

They discuss the plateau of model quality, the risks of synthetic data polluting the internet, the economics of failed AI initiatives, and whether we’re chasing AGI for innovation or for the trophy. Along the way, they examine how UX, curation, and “AI seasoning” may hold the key to making AI actually useful, safe, and trustworthy.

It’s a conversation about technology, but also about ethics, governance, and what remains fundamentally human as automation scales.
 

Chapters:

00:00 Intro

01:11 Trusting AI: Where Do We Begin?

03:35 Explainability, Citations & Transparency

06:44 Regulators, Risk & 100% Data Coverage

08:13 Beyond Red Flags: Business Insights & Green Flags

11:14 The Limitations of Lexicons & Fuzzy Models

13:44 The Future Without Lexicons

15:22 Human in the Loop: Why It’s Not Going Anywhere

20:09 AGI: A Goal or a Distraction?

23:39 Big Tech, Valuations & the Trophy Problem

25:59 Apple, Trust & Risk

30:36 The AI Hype Cycle & ROI Reality

33:05 Radiologists, Tasks & Human Judgment

34:57 Chat Interfaces vs Better UX

40:31 When AI Gets Things Wrong 

44:58 The Future of Dashboards

47:29 AI in Small Doses 

In this conversation, Dean Elwood, CEO of Umony, speaks with Dr. Hemma Lomax, Deputy General Counsel, Vice President, and Global Head of Ethics and Compliance at DocuSign, about how purpose, empathy, and neuroscience can transform corporate culture.

A former SEC prosecutor and criminal barrister, Hemma shares her journey from enforcing rules to redefining how organizations build trust, integrity, and responsible growth.

Together, they discuss leadership, culture, and “the Office of Unlock” — Hemma’s approach to turning compliance from a function of control into a driver of ethical decision-making and innovation.

The discussion also explores how regulation, human behavior, and data governance are evolving in the age of AI, and what this means for the future of ethics and compliance in business.

Chapters:
 00:00 Intro
 01:11 Origins and Early Drive
 03:22 Building a Global Career
 06:17 Resilience and Purpose
 09:06 Decision-Making and the Brain
 12:21 Radical Empathy and Everyday Integrity
 20:34 The Office of Unlock
 29:27 Culture, Leadership, and Human Impact
 33:50 Vulnerability and Doing Hard Things
 35:23 Parenting, Compliance, and Agency
 39:08 Influence, Media, and the Power of Messaging
 45:44 Compliance as Influence and Trust
 52:10 Regulation and Responsibility
 1:01:42 Regulators and the Risk Mindset
 1:03:56 Data, Trust, and the Green Flag

Links to Hemma’s channels:

Unless The Podcast
 https://www.youtube.com/@UnlessThePodcast/videos

Great Women in Compliance
https://www.youtube.com/playlist?list=PLD0gUglo89BrSri7MCOCDi0Ovza2bcrrN

In this wide-ranging conversation, Umony CTO Alan Charbonneau sits down with Dietmar Fauser, CIO of Symphony, to explore how language, intelligence, and progress intertwine in the age of AI.

From the evolution of trader voice analytics to the rise of agent-to-agent systems, Dietmar shares how Symphony is bridging human communication and machine understanding, and what it means for industries built on trust, compliance, and speed.

They discuss the limits of large models, the ethics of autonomous systems, and whether humanity can truly manage the pace of its own progress. Along the way, they reflect on the nature of intelligence, the future of work, and the moral systems that keep us human in an age of accelerating machines.

Chapters:
 00:00 Intro
 01:01 Technology, scale, and the Symphony platform
 03:19 From trading floors to AI: Symphony’s evolution
 07:06 The rise of generative AI and the moment everything shifted
 15:12 Teaching machines to understand trader language
 21:46 AI, autonomy, and agent-to-agent systems
 32:03 The risks of progress and the need for guardrails
 38:50 Jobs, disruption, and the new AI economy
 43:47 Are large models plateauing?
 49:19 What do humans still do best?
 56:34 “We are programmed for progress”: the accelerationist view
 01:02:15 Unlocking collective intelligence

Here’s the link to the research mentioned in the podcast:

https://futurism.com/facebooks-language-creating-ai-bots-are-now-required-to-negotiate-in-english