Risk Governance · Compliance Strategy · Regulatory & Audit Readiness
MSF · Founder, Hayet Strategies LLC
I help institutions identify and mitigate risks before examiners, auditors, or a crisis does it for them.
Institutional Background
About
Lipika Hayet spent two decades at the intersection of enterprise risk, regulatory compliance, and governance — advising C-suites and boards across various industries including Fortune 500 Companies
Through Hayet Strategies, she brings that institutional expertise directly to organizations navigating regulatory pressure, governance gaps, and complex risk environments — without the overhead of a large firm
"The question is never whether a risk exists. It's whether you find it before it costs you."
— Lipika Hayet, MSF.
Services
Identify where your policies, controls, and operations stand against current regulatory expectations — before examiners do. Covers audit readiness, transaction testing, and regulation-to-policy gap analysis
Build governance and risk frameworks that are durable, scalable, and aligned to your institution's strategy. From enterprise risk architecture to board-level reporting structures, this is where sound risk culture gets operationalized
Turn findings and gaps into resolved, documented, and examiner-ready outcomes. Includes end-to-end remediation program management, governance framework design, and disciplined project execution aligned to regulatory timelines
Stay ahead of a shifting risk landscape. Establish ongoing monitoring protocols, early warning mechanisms, and adaptive governance structures that evolve with your risk profile and the regulatory environment around you
Executive-level risk leadership and regulatory strategy on a fractional basis — the expertise of a seasoned CRO embedded in your organization without the full-time overhead
Integrate AI into your risk and compliance workflows with confidence. Ensure output integrity, eliminate hallucinations, and build internal staff capability to use AI effectively
Track Record
Led and Saved $60M FRB SCCL Regulation Compliance Initiative — delivering 6 months ahead of schedule
Co-managed Enterprise Risk Management's integration for one of the largest U.S. bank mergers, maintaining governance continuity across all lines of defense through a complex organizational transition
Developed a post-merger Enterprise Risk report within 30 days of close, equipping the Board with actionable insights on emerging and material enterprise risks
Designed complaint monitoring governance frameworks under regulatory scrutiny — resulting in zero regulatory findings
Delivered non-model-based transaction testing programs preparing credit lending operations for regulatory exams, mitigating gaps between internal policies and operational execution
Conducted FHFA regulatory mapping across GSE mortgage markets, identifying systemic risks from credit migration — insights directly informed enterprise credit risk models and stress scenarios
Eliminated 80+ hours per week of repeated risk-related work in the Auto Lending practice through process redesign and targeted governance controls
Project managed workflow automation initiatives for an AI data center construction firm — restoring project alignment and ensuring timely delivery
Advised senior leadership across the enterprise on risk exposure and mitigation strategies — translating complex risk landscapes into actionable decisions
Appointed to Capital One's Women's Leadership Program — the sole representative from the Chief Risk Officers division — in recognition of enterprise-wide strategic impact
Engagement Outcomes
| Engagement | Outcome | Domain |
|---|---|---|
Regulatory & Audit Exam Readiness |
Governance and operational gaps identified before regulatory and audit examination — enabling proactive remediation |
Compliance |
FRB SCCL Compliance Program |
Enterprise-wide regulatory compliance framework deployed ahead of deadline with no additional headcount |
Regulatory |
Complaint Monitoring Governance |
Real-time monitoring and escalation protocols established — zero regulatory findings across all monitored activities |
Governance |
Transaction Testing (Non-Model) |
End-to-end loan testing identified documentation and escalation gaps without disrupting normal operations |
Credit Risk |
Enterprise Risk Integration — Merger |
Governance continuity maintained across all three lines of defense through complex organizational transition |
Enterprise Risk |
Board-Level Risk Reporting |
Timely enterprise risk insights delivered, enabling proactive Board oversight of emerging and material risks |
Executive |
Workflow Automation — AI Data Center Construction Firm |
Project managed workflow automation initiatives for an AI data center construction firm, restoring project alignment and ensuring timely delivery in a high-stakes, fast-moving environment |
Project Mgmt |
Client Acclaim
"Lipika led monitoring and risk work for several banking regulations and Capital One's Single Counterparty Credit Limits program. She thrives in ambiguous environments, builds consensus across teams, and influences outcomes at every level to achieve critical business results"
Financial Services Policy & Product Attorney
"Working with Lipika was one of the most formative experiences of my career. Her depth in credit and regulatory work, and understanding of how financial institutions operate, gives her a rare ability to manage risk and see the full picture"
Middle Market Credit Advisor
Contact
Whether you're preparing for a regulatory exam, navigating a governance gap, or building a risk framework from the ground up — the conversation starts here
📅 Book a Consultation