Governing AI Risk -The RIVER Charter

An Enterprise Resilience Standard
1. Auflage 2026
ISBN: 978-1-041-09564-4
Verlag: Taylor & Francis Ltd

Buch, Englisch, 304 Seiten, Format (B × H): 178 mm x 254 mm

Reihe: Security, Audit and Leadership Series

THE AI CRISIS IS FICTIONAL. THE BLUEPRINT IS REAL.

By 2038, autonomous agents will manage trillions of dollars in global assets. But when speed outpaces governance, efficiency becomes fragility. Governing AI Risk blends a near-future thriller with a field manual for leaders who can’t afford blind spots. Follow the fictional journey of Aaron Goldcrest, a successful venture capitalist, as his team confronts cascading failures in the agentic economy—and learn how the RIVER Charter™ standard helps global organizations stay resilient. Featuring All-Entity Risk Management (AERM™), the Cognitive Handshake™ for auditable human–AI decisions, and DataCapital Protocol™ for blockchain-grade data lineage.

“In a world of AI agents, trust becomes an active utility and execution is the differentiator. RIVER turns risk into momentum by giving teams the rails to move safely at breakneck speed. A pragmatic playbook for the next decade of finance and beyond.”

— Brad Levy, CEO of ThetaRay

“This book should be required reading for every board member and C-suite executive who still believes cybersecurity is someone else’s problem. The river of risk is rising, and those who don’t learn to navigate these new currents will find themselves in dangerous waters.”

— Dr. Aleksandr Yampolskiy, Co-Founder & CEO, SecurityScorecard

“Enterprise AI transformation isn’t about deploying technology—it’s about reimagining how data, people, and systems create value together. Golbin’s framework provides leaders with the essential roadmap for navigating this transformation responsibly and profitably.”

— Swamy Kocherlakota, Executive Vice President of Agentic AI Security, Zscaler

“In my world, we don’t build a global financial system on promises; we build it on verifiable cryptographic controls. We build for survival—treating the worst case not as a possibility but an inevitability: segregated custody so one vault’s failure doesn’t drain the rest, redundant cutover paths so there are three ways home, and phishing-resistant approvals so an attacker stalls out.”

— Jeff Lunglhofer, CISO, Coinbase; former CISO, BNY

Zielgruppe

Professional Practice & Development, Professional Reference, and Professional Training

Autoren/Hrsg.

Golbin, Alex

Fachgebiete

• Mathematik | Informatik EDV | Informatik Informatik Künstliche Intelligenz
• Wirtschaftswissenschaften Finanzsektor & Finanzdienstleistungen Finanzsektor & Finanzdienstleistungen: Allgemeines
• Interdisziplinäres Wissenschaften Wissenschaften: Forschung und Information Risikobewertung, Risikotheorie
• Wirtschaftswissenschaften Finanzsektor & Finanzdienstleistungen Versicherungswirtschaft
• Wirtschaftswissenschaften Betriebswirtschaft Management Risikomanagement
• Wirtschaftswissenschaften Betriebswirtschaft Management Wissensmanagement

Inhaltsverzeichnis

Part 1: Introduction to the Hybrid Era. Chapter 1: The Day the Desert Drowned: A Cautionary Tale of Bull-in-China Shop AI. Chapter 2: The Horizon Pitch: Revealing the Five Phases of AI Adoption to the Board. Chapter 3: A Legacy Forged in Loss: From Risk Debt to Data Capital. Chapter 4: Seeds of Wisdom, Seeds of Ruin: Early Warnings from the Dawn of the Agentic Era. Chapter 5: The Sugar Avalanche: When Efficiency Triggers Systemic Collapse. Strategic Debrief: 2026 Implications for Part 1. Part 2: Evolving Enterprise Risk Management (ERM). Chapter 6: The RIVER: A New Framework for Enterprise Risk Management. Chapter 7: The Antibody Paradox: Data Governance in the Age of AI. Chapter 8: Digital Asbestos: Taming Shadow IT in the Citizen-Developer Era. Chapter 9: The Shared Sin: A Case Study in Technology Risk Governance. Chapter 10: The Deadlock: From Third-Party Risk to All-Entity Risk Management (AERM). Chapter 11: The Cognitive Handshake™. Leading Through a High-Stakes Ransomware Crisis. Chapter 12: Black Thursday: Beyond Backups to True Enterprise Resilience. Chapter 13: The Antidote: The Principles of Antifragile Governance. Strategic Debrief: 2026 Implications for Part 2. Part 3: Enablers and Regulatory Implications. Chapter 14: The Double-Edged Sword: How Enabling Tech Shapes Resilience and Risk. Chapter 15: The RIVER Charter™: Forging the Global AI Governance Blueprint (Geneva, 2039). Strategic Debrief: 2026 Implications for Part 3. Part 4: Strategic Industry Adoption. Chapter 16: The Bridge to Singularity: Adopting the RIVER Framework for Resilient Growth. Chapter 17: The E-Shaped Professional: A New Blueprint for Talent in the AI Era. Chapter 18: A Tale of Two Ecosystems: A Guide to Resilient Vendor Integration. Strategic Debrief: 2026 Implications for Part 4. Part 5: The Way Forward. Chapter 19: The Gardener's Paradox: When Systems Cross into Phase 5. Chapter 20: The 2026 Imperative: Your Board's Roadmap to AI Resilience. Afterword by Dr. Aleksandr Yampolskiy (Co-Founder and CEO of SecurityScorecard). Appendices. Appendix A: Anatomy of a Collapse. Appendix B: The Five Phases of AI Adoption. Appendix C: The DataCapital Protocol. Appendix D: The Convergence Assessment Checklist. Appendix E: The RIVER Framework in Principle. Appendix F: The RIVER Framework: A Crosswalk to Global Standards. Appendix G: The All-Entity Risk Management (AERM) Framework. Appendix H: The Cognitive Handshake Audit (CHA) Playbook. Appendix I: The RIVER Framework in Practice: A Leader's Guide. Appendix J: The Board's 90-Day RIVER Readiness Toolkit. Appendix K: Evolving Roles in the RIVER-Guided Enterprise. Appendix L: The Cognitive Handshake Audit (CHA) — Integration Decision. Appendix M: Governance Roles & Accountability: A Framework for the Board and the C-Suite.

Über Autor(innen)

Alex Golbin is a senior financial-services executive with over two decades of experience leading enterprise risk and regulatory remediation. His work spans enterprise resiliency, technology transformation, data governance, and business process improvement.

Alex has held leadership roles at Fortune 500 companies and global systemically important banks. In a prior role, he led a risk-assessments business—a joint venture with 16 banks—to improve operational resilience, regulatory compliance, and cost efficiency. He has enabled multiple industry consortiums, developed risk-management and cybersecurity frameworks, and established strategic partnerships across sectors.

Alex is the co-author of Navigating Supply Chain Cyber Risk (2025) and serves as an expert advisor on cybersecurity, risk management, and technology. He is a member of ISACA and PMI, and serves on the Academic Advisory Board at Pace University’s Seidenberg School of Computer Science. He holds the PMP, CDPSE, and CISM certifications. Alex earned his MBA in Finance and Management from NYU Stern and a BS in Computer Science.

Alex wrote Governing AI Risk after watching a repeatable failure pattern harden into a systemic one: teams optimize for speed, normalize shortcuts, and only see the bill when converged risks detonate. When his son Aaron Golbin—now funding AI startups at the edge of that speed—asked, “How do we build responsibly at this pace?” Alex didn’t have a satisfying answer. The fictional protagonist Aaron Goldcrest echoes that question in story form, with his missteps deliberately exaggerated to model how risk can compound when governance lags. This book is that answer: a resilience standard that doesn’t kill momentum, told through a story that makes the stakes impossible to ignore. It also makes a second promise. The same Cognitive Handshake™ that keeps enterprises audit-ready can keep individuals effective: a way to use AI for research, writing, and analysis while preserving ownership of the decision. Govern the system, govern the self—the rules are the same.