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AI Governance for Institutional Readiness in Finance

Irene Aldridge, Steve Krawciw

arXiv 3 Aug 2026 · Econometrics

arXiv:2608.02311 · PDF · Extracted main text

Abstract

Agentic AI is gaining acceptance in asset management, but governance has not kept pace: 88% of surveyed finance professionals report no operational governance framework for agentic AI despite universal awareness of its deployment, and only 24 of 75 large U.S. money managers disclosing AI use in Form ADV filings report a formal governance policy. We argue this gap is architectural, not cultural: governance built for deterministic systems assumes static validation. However, continuously retrained agentic policies violate static governance by design. We propose a four-layer framework (Policy, Engineering, Composition, Systemic) with computable instantiations: a regret-covariance statistic that detects policy drift from observed data alone, and a calibrated crowding model showing joint drawdown probability rising from 39.2% to 79.3% as institutions converge on correlated exposures. We support the framework with a study of a deployed LLM-embedding trading strategy and a contemporaneous discretionary fund blowup, clarifying which controls transfer across agentic and human-directed risk-taking. We also provide a 90-day framework implementation sequence for institutions.

Citation extraction

16
references
36
in-text mentions
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distinct cited
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main-text words

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Most heavily cited references

The works this paper leans on most, across its whole bibliography — not restricted to papers in our corpus. Ranked by composite intensity, which combines how often a work is mentioned, how many sections mention it, and how much of that falls in the main text rather than the appendix.

ReferenceIntensityMentionsSectionsMain text
1Didisheim, Antoine and Kelly, Bryan and Pourmohammadi, Mo and Tian,… (2026) The Inefficient Pricing of News1.00093100%
2Chen, Hui and Didisheim, Antoine and Somoza, Luciano (2026) Out of the Black Box: Uncertainty Quantification for LLMs via Conditional Probabilities0.64422100%
3He, Shu and Lv, Linyao and Manela, Asaf and Wu, Jianfeng (2025) Chronologically Consistent Large Language Models0.64422100%
4Aldridge, Irene and Krawciw, Steve (2017) Real-Time Risk: What Investors Should Know About FinTech, High-Frequency Trading, and Flash Crashes self0.58531100%
5Amodei, Dario and Olah, Chris and Steinhardt, Jacob and Christiano,… (2016) Concrete Problems in AI Safety0.51121100%
6European Parliament and Council of the European Union (2024) Regulation (EU) 2024/1689 Laying Down Harmonised Rules on Artificial Intelligence (Artificial Intelligence Act)0.51121100%
7International Organization of Securities Commissions (2021) The Use of Artificial Intelligence and Machine Learning by Market Intermediaries and Asset Managers0.51121100%
8International Organization of Securities Commissions (2025) Artificial Intelligence in Capital Markets: Use Cases, Risks, and Challenges0.51121100%
9Khandani, Amir E. and Lo, Andrew W (2007) What Happened to the Quants in August 2007?0.51121100%
10Kirilenko, Andrei and Kyle, Albert S. and Samadi, Mehrdad and Tuzun,… (2017) The Flash Crash: High-Frequency Trading in an Electronic Market0.51121100%

Showing the top 10 of 16 scored citations.