When a bank receives a second OCC or Fed consent order — or a third — the immediate question is always: what went wrong with the remediation? How did an organization invest years of effort and significant resources into a consent order program, declare it resolved, and then find itself back under enforcement? The Allazo…
The assumption behind every RAG governance framework is straightforward: projects deteriorate gradually. Green becomes Amber. Amber becomes Red. Governance teams monitor the Amber stage and intervene before Red arrives. The data tells a different story. Of 98 projects that ever reached Red status in the Allazo Program Health Dataset — 6,063 entries across 173 projects…
Green is the most common status in program reporting. It is also the least reliable. Across 6,063 program status entries analyzed in the Allazo research series — spanning 173 projects and three years of real-world delivery in a Tier 1 capital markets division — 27.8% of Green entries were immediately followed by Amber or Red…