Kevin Werbach interviews David Hardoon, Global Head of AI Enablement at Standard Chartered Bank and former Chief Data Officer of the Monetary Authority of Singapore (MAS), about the evolving practice of responsible AI. Hardoon reflects on his perspective straddling both government and private-sector leadership roles, from designing the landmark FEAT principles at MAS to embedding AI enablement inside global financial institutions. Hardoon explains the importance of justifiability, a concept he sees as distinct from ethics or accountability. Organizations must not only justify their AI use to themselves, but also to regulators and, ultimately, the public. At Standard Chartered, he focuses on integrating AI safety and AI talent into one discipline, arguing that governance is not a compliance burden but a driver of innovation and resilience. In the era of generative AI and black-box models, he stresses the need to train people in inquiry--interrogating outputs, cross-referencing, and, above all, exercising judgment. Hardoon concludes by reframing governance as a strategic advantage: not a cost center, but a revenue enabler. By embedding trust and transparency, organizations can create sustainable value while navigating the uncertainties of rapidly evolving AI risks. David Hardoon is the Global Head of AI Enbablement at Standard Chartered Bank with over 23 years of experience in Data and AI across government, finance, academia, and industry. He was previously the first Chief Data Officer at the Monetary Authority of Singapore, and CEO of Aboitiz Data Innovation. MAS Feat Principles on Repsonsible AI (2018) Veritas Initative – MAS-backed consortium applying FEAT principles in practice Can AI Save Us From the Losing War With Scammers? Perhaps (Business Times, 2024) Can Artificial Intelligence Be Moral? (Business Times, 2021)

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