Writing
Insights
Notes from inside real engagements on AI governance, U.S. banking regulation, digital assets, and the fractional-executive work that sits between them.
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April 24, 2026 · Virtova
AI governance for U.S. banks, after the FDIC years
An operator's view of AI governance in U.S. banking from someone who built the FDIC's first innovation division — what the rulebook actually asks of banks in 2026, and what to do between now and the next exam cycle.
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April 24, 2026 · Virtova
Cyber audit in the neural-net era: a strategy note
Why human-only cyber audit, built on deterministic decision trees, cannot survive AI systems that generate new workflows a million times a second, and what audit has to become before it can be trusted again.
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April 15, 2026 · Virtova
NIST AI RMF in practice: a regulated-industry playbook
How to operationalize the NIST AI Risk Management Framework in a regulated enterprise — and why treating it as a checklist is the wrong instinct.
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April 15, 2026 · Virtova
What a fractional Chief AI Officer actually does
The fractional CAIO role has outgrown the consulting-jargon phase. Here is what the job looks like inside a real engagement — and what it doesn't.
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Also by Sultan, newest first
From the Substacks.
Pulled from sultanmeghji.substack.com and substack.frontierfoundry.com, ordered by post date.
- #1 · Sultan Meghji on Substack September 28, 2026
Calm Down About the Agentic Bank Run
What equity trading since 1999 can teach us about AI and bank deposits
♥ 2 ↻ 0 restacks 1,204 words - #2 · Sultan Meghji on Substack September 14, 2026
Crypto Rented a Seat. The ABA Built the Table
There's more to this story than fit in the piece I was quoted in this morning
♥ 19 ↻ 0 restacks 1,642 words - #3 · Sultan Meghji on Substack August 31, 2026
CSIS!
You’ll be seeing a bit of a change here...
♥ 45 ↻ 0 restacks 205 words - #4 · Sultan Meghji on Substack August 6, 2026
The New Latin Vulgate
What happens when the last copy of a book exists only inside a model behind a paywall
♥ 50 ↻ 0 restacks 1,773 words - #5 · Sultan Meghji on Substack July 13, 2026
The Fed Just Told You the Price of the Light Touch. Pay It Now.
What Governor Bowman’s FSB remarks mean for your bank, and the six things to do before your next exam cycle
♥ 27 ↻ 1 restacks 1,168 words - #6 · Frontier Foundry Substack July 9, 2026
Sovereign AI's Missing Pieces
The Palantir–NVIDIA Deal Proves the Sovereign AI Thesis. Here's What It Misses.
♥ 27 ↻ 1 restacks 291 words - #7 · Frontier Foundry Substack July 7, 2026
Sovereignty Theater
The AI sovereignty wars have begun. Almost everyone is measuring the wrong thing.
♥ 22 ↻ 1 restacks 1,342 words - #8 · Sultan Meghji on Substack July 2, 2026
Has the Battle for Quantum Supremacy Already Been Lost? (2026 Update)
My 9 year anniversary update (I can't believe I wrote the first of this series in 2017!) - New thoughts, pulling the window forward and a coda for the GPU Maximalists
♥ 33 ↻ 0 restacks 2,022 words
Policy analysis
At CSIS.
Sultan's analysis for the Economic Security and Technology Department at the Center for Strategic and International Studies, where he is a Senior Technical Expert (Non-resident).
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September 2026 · CSIS
Is the U.S. Banking System Ready for a Post-Quantum Future?
The federal government gave itself a 2030–2031 deadline to migrate off cryptography a quantum computer would break, then left the banking system it supervises on an advisory timetable — with no supervisor collecting readiness data consistently. Covers the "harvest now, decrypt later" threat model, what migration actually takes, Y2K as a case study, and four steps to prepare U.S. banking for the transition.
National security
On The SCIF.
Sultan's contributions to The SCIF, the blog of the National Security Institute at George Mason University, where he is a Fellow.
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2025 · The SCIF
NSI Experts Weigh In: The White House's 2025 National Security Strategy
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2024 · The SCIF
NSI Experts in the News — All Things National Security