从人工智能到网络威胁——引发首席风险官担忧的3个主题

Technology’s Promise and Peril A ProSight Intelligence Survey report, prepared in collaboration withOliver Wyman RMA & BAI:Together we’re ProSight About ProSight Financial Association ProSight Financial Association empowers financial services leaders to strengthen and advance our industry.Formed through the merger of BAI and RMA—trusted organizations with rich histories and deep expertise inrisk, fraud, compliance, and retail and commercial banking—we provide insights, tools, and analytics to helpyou act with confidence. Our work creates positive ripple effects throughout financial services organizationsand the industry, generating new opportunities for growth and ultimately helping consumers, businesses, andcommunities thrive. Learn more at ProSightFA.org. Oliver Wyman Oliver Wyman, a business of Marsh McLennan (NYSE: MMC), is a management consulting firm combining deepindustry knowledge with specialized expertise to help clients optimize their business, improve operations andaccelerate performance. Marsh McLennan is a global leader in risk, strategy, and people, advising clients in 130countries across four businesses: Marsh, Guy Carpenter, Mercer, and Oliver Wyman. With annual revenue of over$24 billion and more than 90,000 colleagues, Marsh McLennan helps build the confidence to thrive through thepower of perspective. For more information, visit marshmclennan.com. Follow us on LinkedIn and X. Acknowledgments “The 2026 ProSight CRO Outlook Survey: Technology’s Promise and Peril” is published by ProSight Financial Association. ProSight and Oliver Wyman developed the research hypotheses and analyzed research results jointly. At ProSight, Celina Rogers and FrankDevlin directed the research, and Frank Devlin and Sam Knox wrote the report. Thank you to Michael Duane, Jake Ritchken, and Christian McNally and the team at Oliver Wyman for their valuable contributions. A veryspecial thank you to the CROs who participated in this research program. This work would not have been possible without you. Please direct inquiries to Katie Williams at rmaxchange@rmahq.org. Design by Christopher Santoro. November 2025 ©2025 ProSight Financial Association. All rights reserved, including the right to reproduce this report or portions thereof in anyform whatsoever. Table of Contents About This Report..............................................................................................................................................................4Top Takeaways...................................................................................................................................................................5Survey Background............................................................................................................................................................6Top Current and Emerging Risks......................................................................................................................................7The Macroeconomic Outlook............................................................................................................................................9The Regulatory Landscape..............................................................................................................................................10Artificial Intelligence........................................................................................................................................................12Risk Function Budgeting..................................................................................................................................................14Closing Thoughts.............................................................................................................................................................15 About This Report In August and September 2025, ProSight surveyed chief risk officers and equivalents at financial institutions pri-marily in the United States and Canada for its annual CRO Outlook Survey. This year’s survey and report were pre-pared in collaboration with Oliver Wyman. The CRO Outlook Survey explores the top trends in bank risk management, the most urgent priorities of CROs, andhow they plan to address them. For this year’s report, we received 142 survey responses. Survey respondents’ institutions represent a broad spec-trum of sizes, and their primary regulators vary: % Respondents by Asset Size, USD Less than $25 billon53%$25 billion-$50 billion8%$50 billion-$100 billion9%$100 billion-$250 billion9%$250 billion-$500 billion5%$500 billion-$1 trillion8%More than $1 trillion8% % Respondents by Regulator U.S Federal Reserve33%Office of the Comptroller of the Currency23%Federal Deposit Insurance Corporation19%Other25% Top Takeaways In a year defined by economic uncertainty, geopolitical tension, and rapid technological change, chief risk officersare increasingly focused on the intersection