Uncertainty may be the new normal in financial services, but banks and credit unions still have to make decisions with speed, clarity, and a level of precision that regulators—and markets—won’t hesitate to judge. Against that backdrop, Delfi, an AI-native risk management platform, and CFO Consulting Partners LLC (CFOCP), a firm of veteran financial executives, have teamed up on a new joint offering aimed at giving institutions sharper insight, faster modeling, and seasoned guidance when it matters most.

The collaboration blends Delfi’s real-time analytics engine with CFOCP’s deep operational and strategic expertise. The pitch: Pair state-of-the-art AI tools with hands-on leadership experience to help institutions navigate interest rate volatility, capital planning pressures, liquidity concerns, and the increasingly complex regulatory environment.

It’s not just another advisory bundle. It’s a strategic response to a moment when balance sheet health—once a steady-state function—has become a competitive differentiator.

A New Take on Risk Intelligence for 2025

The past few years have reshaped how institutions think about risk. Banking leaders who once relied on quarterly or monthly updates now expect real-time visibility into how rate shocks, deposit shifts, and credit trends might affect their capital position. At the same time, operational complexity has ballooned: ALM, stress testing, liquidity planning, and board reporting each demand greater accuracy while teams face shrinking resources.

Enter Delfi, an AI-driven balance sheet and risk intelligence platform designed to compress analysis that used to take weeks into minutes. Its flagship product, Delfi Overwatch, generates actionable strategies using machine learning models trained on macro trends, balance sheet dynamics, and regulatory constraints.

CFO Consulting Partners brings human experience to that equation—former CFOs, controllers, treasurers, and regulatory leaders who’ve weathered credit cycles, liquidity squeezes, M&A integrations, and technology upgrades across banks and credit unions.

The joint offering tries to merge the best of both worlds: automated insight at machine speed and seasoned interpretation from operators who’ve lived through crises and transformations.

What’s Actually Included

The Delfi–CFOCP partnership is more than a referral arrangement. Institutions that sign up get:

• Exclusive discounted pricing on Delfi Overwatch, a platform built to provide real-time balance-sheet modeling, risk analytics, scenario planning, and strategic recommendations.
• Up to five hours of tailored financial advisory with senior CFOCP experts who can contextualize Delfi’s insights or guide teams through strategic decisions.
• Optional extended support—also discounted—in areas such as:
  • Data governance and data quality uplift
  • FP&A process design
  • Operational processes and financial controls
  • ALM strategy and implementation
  • Balance sheet optimization

For institutions caught between rising regulatory expectations and limited in-house resources, the combination offers scalability. AI handles the grind; experts handle the nuance.

Why This Matters: AI Alone Isn’t Enough

A growing trend in financial technology is the realization that AI—no matter how advanced—needs credible financial expertise to be institution-ready. Tools can model thousands of scenarios, but judgment, regulatory interpretation, and strategic prioritization remain deeply human skills.

Delfi seems to recognize this. Instead of pushing a software-only narrative, it’s building a hybrid ecosystem where AI accelerates work while seasoned operators translate insights into decision-ready strategies.

This mirrors moves across the industry:

• Fintechs supporting credit teams now increasingly add “human-in-the-loop” underwriting specialists.
• Vendor platforms in ALM and liquidity are pairing AI analytics with advisory services to handle rising regulatory scrutiny.
• Risk management is shifting from static reporting to dynamic forecasting—and institutions want both speed and accountability.

In short, Delfi’s collaboration with CFOCP puts it in the same competitive conversation as next-generation ALM platforms and advisory firms experimenting with AI-augmented services.

For Banks, What’s at Stake?

Balance sheet strategy has become far more volatile than it used to be. A few key pressures driving demand for real-time insight include:

• Interest rate uncertainty: Whiplash moves across the yield curve continue to challenge both margin strategy and duration management.
• Liquidity tightening: Deposit competition remains fierce, and the cost of funds is reshaping loan growth forecasts.
• Regulatory intensity: Stress testing expectations, capital planning demands, and supervisory scrutiny have all increased.
• Data fragmentation: Many institutions still operate with siloed systems that make forecasting slow and error-prone.
• Resource constraints: Smaller banks and credit unions often lack specialized talent in ALM, FP&A, and strategic risk.

Delfi and CFOCP’s combined solution addresses these pain points by giving teams a way to move faster without sacrificing control or accuracy.

Voices From the Partnership

“Financial leaders have to make smart decisions faster than ever, and they need clearer insight to do it,” said Eric Segal, MBA, Managing Director at CFO Consulting Partners.
He emphasized that Delfi’s analytics paired with CFOCP’s advisory work “help institutions navigate complexity with confidence and compete more effectively.”

Daniel Ahn, co-founder and CEO of Delfi—and previously a senior advisor to the Federal Reserve—framed the collaboration as part of a larger mission.
“Our collaboration with CFOCP extends Delfi’s mission to make advanced risk management accessible to organizations of all sizes.”

He added that the offering “complements our AI-heavy approach by offering experienced hands-on support for institutions that need it so they can succeed and thrive.”

A Step Toward the Future of Risk Management

If the past decade was defined by digitization, the next one will be defined by automation, augmentation, and explainability. AI is becoming embedded in every layer of financial services, but regulators and boards still expect human judgment and defensible processes.

The Delfi–CFOCP partnership fits into a broader industry trend: expert-guided AI, where technology doesn’t replace financial leadership but enhances it.

Banks and credit unions that leverage such hybrid solutions may find themselves better positioned to weather volatility, meet regulatory scrutiny, and seize growth opportunities while their competitors play catch-up.

Over the coming years, expect more joint offerings like this—pairing real-time analytics with deep expertise—as institutions push for better performance without expanding headcount.