Kareem Saleh is the CEO and co-founder of FairPlay, an AI enablement platform helping financial institutions test, tune, and monitor AI systems in production. Four years after his first appearance on the show, Kareem returns to discuss how FairPlay has evolved from credit model fairness into a full AI enablement infrastructure layer and why the rise of generative and agentic AI has made that work more consequential than ever.

What We Covered

How generative AI changes the definition of fairness in financial services
The shift from model validation to continuous, system-level testing
FairPlay's three core capabilities: testing, optimizing, and validating AI systems
How one customer added one day to their model development cycle but saved 60–90 days in compliance review
The 25–33% of declined applicants who would have performed as well as the riskiest approvals
Why the question for legacy institutions has flipped, from "is AI safe enough to try?" to "is it riskier not to adopt AI?"
The political environment and how fairness demand reconfigures, not disappears, across administrations
State-level regulatory frameworks filling the federal enforcement gap
Kareem's Congressional testimony on AI and algorithmic bias
The agentic AI opportunity in KYC, BSA, and AML workflows
Regulatory look-back risk and why today's decisions can become 2029's consent orders
Cash flow underwriting risks and climate risk as underappreciated threats to credit portfolios

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