Ratul Ahmed is a senior risk and governance executive at Commerzbank AG, where she led Model Risk Management and serves as the bank’s 2nd Line AI Governance Lead — overseeing the responsible adoption of machine learning and generative AI across one of Europe’s largest financial institutions. With 25 years of experience spanning market risk, model risk, and AI governance, Ratul has become one of the financial sector’s distinctive voices on the intersection of regulation and responsible innovation. Ratul is an active member of the Bank of England AI Consortium and the and a regular keynote speaker at senior industry forums. Ratul believes in the democratisation of AI Governance — the argument that the AI adoption gap and the AI governance gap are the same structural failure seen from different angles, and that governance, done right, is a strategic accelerator, not a brake.