Josh Oliveira

Dad of 3 (& Autism Dad), Husband, First-Gen American, US Marine Vet. I like politics, obscure music, hip-hop and old movies. Online, my commentary has been called radically socialist and far-right extremism, clearly indicating that I am totally in the center.

At work, I build bots. When they misbehave, I give them a good whack (the "SNES" technique for biz continuity). As a risk manager, I like this job, because there's a lot less HR issues and it's helping me prepare for the fight.

SVP, Risk Transformation

Risk Transformation PMO (2021-Present):
-Interim BU Chief of Staff and led activities to scale from 15 to 85 FTE
-Governance for 100+ Consent Order remediation and bank transformation deliverables
-Oversaw initiatives to transition 3rd party resources to our internal PMO

A few years ago, BBC reported how more people died of drug overdoses than of Covid in San Francisco over a 1/yr period. Now that POTUS is trying to do something about it (i.e. sending dealers to the bottom of the ocean)... it's a humanitarian crisis, because it's Trump. 

Hysteria drives clicks.

Content may contain traces of human error and existential dread.

Anti-AI posters on LinkedIn: look at AI from the lens of a founder or CEO who runs a large org and their biggest expense is people. 

Cut through the noise: people don't make as many decisions as they think. Most of our jobs are to gather data (both qualitative and quantitative) and package it up in a way for other decision makers. Getting A and B and making sure it follows C and D. 

AI can do that better than humans. 

Prompting ChatGPT is old news. Agents and custom bots can be trained on rules, processes, procedures, etc. and a majority of white collar jobs are just managing that information. AI is a tool that can do that quicker and more efficiently, and in many cases more controlled (or likely to be as the model gets fine tuned and evolves—that's what is being built now).

The writing is on the wall: why are companies investing more in AI and keeping comp flat? 

Hard truth: we are just not as valuable or important as we think we are. I know that's a tough pill to swallow, and I know it's a paradigm shift, but that's exactly what is happening, hence the surge in emotional anti-AI posts we're seeing. 

The way humans bring value to their employer is changing. White collar work is shifting to be a) build the bots, b) manage the bots and c) govern the bots, because that's more efficient than paying humans to move around and repackage 1s and 0s (which is a majority of the information flow in an organization). 

The work we do to survive has always evolved, this is the next step.

If you don't believe me, start building an agent for whatever it is you do personally—music, movies, research, cooking, travel, etc. As you start getting traction, apply that to every job at the company you work for. You'll see how we humans are becoming tech support. Because there's less risk in centralizing and systemizing expertise, which is why entry level jobs are looking pretty abysmal right now (when you build an agent, you're essentially building an analyst). 

This isn't meant to be a cynical dooms day post, just being realistic about the wave that's forming. Whenever there's a big oopsie that causes catastrophic market damage, we'll see a surge in mandated AI governance jobs, and round and round we go. And of course, innovation often requires humans to break the rules and introduce creative novelty that automated agents, by their nature, are designed to follow. 

The real long-term value will likely lie in the creative interplay between hyper-efficient AI agents and highly strategic human overseers.

Holland & Knight LLP

Partner

Norton Rose Fulbright

Senior Counsel

Morgan, Lewis & Bockius LLP

I regularly handle matters in the financial services industry, including those pertaining to consumer financial services, consumer protection, fair lending, the Dodd-Frank Act, regulatory compliance, and the Consumer Financial Protection Bureau (CFPB), where I previously served as counsel in the Office of Regulations. I help lenders, fintech and regtech companies, marketplace lending platforms, payments companies and systems, card issuers and networks, banks, investors, and other financial services providers navigate issues arising under state and federal financial services laws. I also have handled matters involving mobile banking, mobile payments, mobile wallet products and services, and bank-fintech partnerships. I serve on the firm’s fintech, banking, and automotive and mobility industry teams, and am a co-leader of the banking industry team’s lender issues working group.

Of Counsel

LeClairRyan

Kilpatrick Townsend & Stockton LLP

Counsel

WilmerHale

Consumer Financial Protection Bureau

U.S. Department of the Treasury

Senior Attorney Advisor

United States Senate

Counsel for the Congressional Oversight Panel. In response to the escalating crisis, on October 3, 2008, Congress provided the U.S. Treasury with the authority to spend $700 billion to stabilize the U.S. economy. Congress created the Office of Financial Stability (OFS) within Treasury to implement a Troubled Asset Relief Program (TARP). At the same time, Congress created a Congressional Oversight Panel (COP) to “review the current state of financial markets and the regulatory system.” COP was empowered to hold hearings, review official data, and write reports on actions taken by Treasury and financial institutions and their effect on the economy. Through regular reports, COP was tasked with:

*Overseeing Treasury’s actions
*Assessing the impact of spending to stabilize the economy
*Evaluating market transparency,
*Ensuring effective foreclosure mitigation efforts
*And guaranteeing that Treasury’s actions were in the best interest of the American people.

University of North Carolina at Chapel Hill 

Served as a research associate at the University of North Carolina School of Law's Center for Banking and Finance.

Research Associate

Eamonn leverages his experience as a former counsel in the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) to guide clients in complying with state and federal consumer protection laws and regulations.  Eamonn helps lenders, fintech and regtech companies, marketplace lending platforms, payments companies and systems, card issuers and networks, banks, investors, and other financial services providers navigate issues arising under state and federal financial services laws.  At the heart of his work is regulatory compliance.  He leverages his experience at the CFPB to assist clients in their engagements with federal and state regulators including with respect to UDAAP risk and state licensing issues. 

Eamonn's fintech practice constantly evolves and grows as clients adopt new technologies and pursue innovative business lines.  Eamonn provides extensive and cutting-edge regulatory legal services for innovative companies across the fintech and financial services industries.  He specializes in helping clients with innovative financial platforms and products comply with existing law.  Eamonn helps innovative companies adapt and thrive in the evolving payments space.  He has extensive experience handling the regulatory aspects of a broad range of payment services and technologies, spanning traditional systems and cutting-edge payments products.  Eamonn counsels clients on all aspects of payments law and related regulatory matters, including on instant payments, debit card interchange, money transmission, and consumer protection.  He has also handled matters involving mobile banking, mobile payments, mobile wallet products, and bank-fintech partnerships, including marketplace lending and Banking as a Service (BaaS) offerings.  In addition, Eamonn advises on novel issues connected to blockchain, digital assets, artificial intelligence (AI), and big data.  He has crafted pragmatic, business-minded legal solutions to complex issues at the intersection of payments technology and financial regulation. 

Eamonn is a frequent speaker on consumer financial services and fintech topics and is often called on by the national media for commentary regarding the CFPB, state regulators, and developments in consumer financial services and fintech.

Admitted to practice law in the District of Columbia, Maryland, New York, and before the Supreme Court of the United States.

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Eamonn K. Moran

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