December 24th isn’t a day most people associate with model risk management. It’s the day before Christmas, and by now, inboxes are quiet, dashboards are half-watched, and even the most dedicated analysts are eyeing the clock.

But if you’re reading this, it’s probably because you drew the short straw and can’t take a holiday (or you are stumbling across this in the new year).

Gratitude for the Quiet Work

So here’s a note of gratitude. Model risk management is not flashy work. It doesn’t make headlines when it goes right, but it certainly does when it goes wrong. On a day like today, it’s worth appreciating the quiet resilience that comes from strong validation, solid governance, and disciplined monitoring.

It’s also worth appreciating the people behind it: the model developers who document well, the validators who ask the hard questions, the risk managers who insist on controls, and the business partners who take those conversations seriously.

On Christmas Eve, while most of the world is thinking about family, gifts, and meals, those models are still running. And because of the discipline you’ve built, they’re running safely.

Wishing You a Restful Holiday

So here’s to a quiet Christmas Eve, with stable models, clean dashboards, and fewer alerts than you feared. If you’ve done the work all year, you’ve earned the right to unplug for a bit.

From our side: thank you for another year of trust and attention in this little corner of the fintech world. Here’s wishing you a safe, restful holiday—and the clarity to start 2026 with a strong model risk foundation.

Merry Christmas, Happy Holidays, and see you in the New Year.