- Banking·
- Capital Markets·
- Private Equity·
- Enterprise Architecture·
- Core Modernization·
- AI Governance·
- Tokenomics·
- Operating Models·
- Banking·
- Capital Markets·
- Private Equity·
- Enterprise Architecture·
- Core Modernization·
- AI Governance·
- Tokenomics·
- Operating Models·
Aaron
Cheiffetz
Financial Services Technology Strategist
At the intersection of banking operations, technology placement, and value durability.
Practice
Three areas of work, one set of questions.
What to prioritize. How to sequence it. What controls need to be in place before deployment gets ahead of governance.
01
Technology Strategy
Enterprise architecture, platform selection, and core modernization across banking, capital markets, and private equity. Decisions that hold up under operating constraints.
02
Operating Model Design
How accountability, decision rights, and control surfaces evolve as platforms change. The structural work that determines whether technology holds in production.
03
AI Governance
Model risk frameworks, model accountability, and control architecture for AI in regulated environments. Designed so deployment cannot outpace governance.
About
Where regulated institutions meet the technology decisions they have to live with.
Aaron Cheiffetz has spent more than two decades at the intersection of enterprise technology and financial services. He has previously held senior leadership roles in consulting and go-to-market at IBM and AT&T, building fluency in how large regulated institutions evaluate, adopt, and govern complex technology at scale.
He now advises financial institutions across banking, capital markets, and private equity on technology strategy, enterprise architecture, AI governance, and operating model design. His work focuses on the decisions that determine whether a technology investment holds up under operating constraints: what to prioritize, how to sequence it, and what controls need to be in place before deployment gets ahead of governance.
He publishes Models Meet Money on Substack, covering AI deployment economics, data governance, and the structural dynamics of banking technology. His writing has appeared in American Banker, BizTech, and Finextra.
He holds an MBA from Wake Forest University School of Business and several CFI certifications including FinTech Industry Professional™, M&A Financial Modeling™ & AI for Finance Specialization™. He is FinOps Certified in AI Value from The Linux Foundation.
FinOps Certified
AI Value 2026
Current Thesis
Field note · 2026
Across banking and capital markets, the institutions getting durable value from technology investment build it the same way: IT, risk, finance, and operations shape the design from the start, on a foundation of data they can trust. When those functions decide together and the data underneath is sound, the return is easier to measure and easier to defend. AI rewards the institutions that already know how to make those decisions together.
“Technology drives measurable business outcomes only when placement fits the operating model and governance carries the return to the income statement.”
By the Numbers
Two decades of decisions, written down and lived through.
/ 01
0+
Years at the intersection of enterprise technology and financial services
/ 02
Bylines and Op-Eds in American Banker, BizTech Magazine, Finextra, Models Meet Money, and more.
/ 03
0+
Advisory engagements across banking, capital markets, and private equity
Featured In
- American Banker
- BizTech
- Finextra
- Models Meet Money
- American Banker
- BizTech
- Finextra
- Models Meet Money
Writing
Selected Writing
Flagship · A Point of View
The Coming Cost Reckoning for Enterprise AI
Why inference will be governed, reduced, and charged back the way cloud spend already is, and what institutions need to build before it is.
Read the paper
Featured · Models Meet Money
The Dependency Inside the Placement Decision
When an external AI capability disappears, who turned it off matters less than whether the institution can still do the work.
Read on SubstackAmerican Banker
As Banks Rely More on Vendor Platforms, the Compliance Burden Shifts
Why third-party platform reliance is shifting where regulatory accountability actually lives inside the bank.
BizTech
Why AI Is Forcing Capital Markets to Rethink Compute Strategy, Again
Why AI is forcing capital markets firms to treat compute as an operating-model question, not a procurement one.
Finextra
The Core Is Not a Legacy Problem. It Is a Strategy Problem.
Reframing the core as a control architecture decision, not a vendor migration.
Speaking
On stage and at the table.
Aaron speaks on core modernization, AI governance in regulated environments, data architecture, and technology placement across banking, capital markets, and private equity. He has appeared at American Banker Digital Banking and speaks at executive briefings and industry conferences.
Available for keynotes, panels, and executive briefings. Get in touch
Shaping the Future of Digital Banking
American Banker · The Future of Digital Banking Keynote
American Banker · The Future of Digital Banking Keynote
Based
Charlotte, North Carolina,
with a working presence in the New York financial services market.
Contact
Get in Touch
Strategy conversations, speaking inquiries, and editorial collaborations.