Draft:Ayush Soni
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Ayush Soni | |
|---|---|
| Education | University of Sheffield Management School (MBA, 2025–26) |
| Alma mater | University of Sheffield |
| Occupations | Governance and regulatory specialist |
| Known for | Written evidence to the House of Lords Financial Services Regulation Committee (CIM0008) |
Board member of | University of Sheffield Students' Union (elected trustee) |
Ayush Soni is a governance and regulatory specialist working at the intersection of financial services regulation, artificial intelligence policy, and forensic quality management. He is an MBA candidate at the University of Sheffield Management School.[1][2] and an elected trustee of the University of Sheffield Students' Union[3].
Education
[edit]Soni is completing a Master of Business Administration at the University of Sheffield[4] Management School [5](2025–26). He holds a Bachelor of Science in Forensic Sciences with Management. He has undertaken executive education at Saïd Business School[6], University of Oxford[7], in AI and Digital Transformation in Government, and at ESADE Business School[8] in Barcelona, where he completed the Global Governance Program with an elective in Negotiation, Communication and Conflict Management.
Written evidence to the House of Lords
[edit]In June 2026, Soni submitted written evidence to the House of Lords[9] Financial Services Regulation Committee as part of its inquiry into the regulation of the consumer insurance market. The submission was published by Parliament under reference CIM0008[10]
The evidence addressed the structural mismatch between the Financial Conduct Authority[11]'s regulatory framework and the operational reality of algorithmic decision-making in insurance. Soni argued that the Consumer Duty regime, introduced in 2023, was designed for a market in which human intermediaries make consequential decisions about pricing, underwriting, and claims, and that this market is being replaced by one in which automated systems make those decisions at scale and often without transparency.
Drawing on the Bank of England and Financial Conduct Authority[11]'s 2024 survey of artificial intelligence in UK financial services, which found that 95% of insurance firms were already using AI, the highest adoption rate of any financial services sub-sector, the submission identified three structural gaps in the existing framework: the inability of outcome-monitoring requirements to detect proxy discrimination; the absence of any explainability obligation for AI-driven consumer decisions; and the inability of product governance requirements to address dynamic model drift.
The submission made five recommendations, including mandatory tiered algorithmic audit requirements, explicit FCA[11] guidance on Senior Managers and Certification Regime accountability for automated consumer-facing decisions, and a published comparative assessment of the EU AI Act's Annex III risk-classification approach and its UK applicability.
Comparative AI regulation index
[edit]In July 2026, Soni published Where AI Regulation is Winning: A Comparative Index of Small Digital Jurisdictions, a comparative assessment of AI regulatory environments across seven jurisdictions: the Isle of Man, Singapore, Estonia, Jersey, the United Kingdom, the European Union, and the United States.
The work addressed a gap in existing international benchmarks, noting that major indices published by the OECD, Stanford HAI, and Oxford Insights assess sovereign states only, systematically excluding Crown Dependencies despite their independent regulatory frameworks and distinct digital economy strategies.
The index assessed each jurisdiction across six dimensions: Regulatory Clarity, Speed of Policy Response, National AI Strategy Maturity, Business Environment, Government AI Adoption, and International Positioning; and found Singapore ranked first, followed by Estonia and the Isle of Man. The paper was published on SSRN and accompanied by an interactive Tableau Public dashboard.
Governance and professional experience
[edit]Soni has held governance and compliance roles across the public, charitable, and financial services sectors. He served for three years as a Governance Lead, supporting board and committee operations, developing risk registers and policy frameworks, and acting as principal liaison with regulatory bodies and external auditors.
He subsequently worked as a Compliance Asset Consultant, advising asset management clients on FCA CASS compliance, conduct risk, and regulatory change, and conducting control assessments aligned to Senior Managers and Certification Regime accountability.
He is a co-founder and former Strategic Operations Lead, of a hospital procurement startup, where he designed the organisation's governance, compliance, and operational framework from inception.
Soni was elected as a trustee of the University of Sheffield Students' Union[3], where he contributes to strategic oversight, financial assurance, and risk management. He is a member of the Association of MBAs.
- ↑ "Management School". sheffield.ac.uk. 2026-02-13. Retrieved 2026-09-18.
- ↑ "Home". sheffield.ac.uk. 2026-09-18. Retrieved 2026-09-18.
- 1 2 "Sheffield Students' Union". su.sheffield.ac.uk. Retrieved 2026-09-18.
- ↑ "Home". sheffield.ac.uk. 2026-09-18. Retrieved 2026-09-18.
- ↑ "Management School". sheffield.ac.uk. 2026-02-13. Retrieved 2026-09-18.
- ↑ "ïmpact from within | Saïd Business School". www.sbs.ox.ac.uk. 2026-09-16. Retrieved 2026-09-18.
- ↑ "University of Oxford". www.ox.ac.uk. 2026-09-14. Retrieved 2026-09-18.
- ↑ "Esade | Business & Law School in Barcelona & Madrid". www.esade.edu. Retrieved 2026-09-18.
- ↑ "House of Lords". www.parliament.uk. Retrieved 2026-09-18.
- ↑ "Written evidence - CIM0008". committees.parliament.uk. Retrieved 2026-09-18.
- 1 2 3 "FCA". FCA. 2026-09-18. Retrieved 2026-09-18.
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