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How ClauseMatch is disrupting regulatory compliance through AI - Morning Tick

#artificialintelligence

When Evgeny Likhoded was working on regulatory implementation projects at Morgan Stanley, he realized how doing manual paperwork and documentation was the main pain point for financial institutions. In his words, the "internal processes without any technology were not working anymore." With the aim to "create a real-time collaboration platform allowing compliance risk and legal teams to work on content and documents in real-time," Likhoded launched AI-based RegTech firm ClauseMatch in 2012. Essentially, the platform enables users to manage enterprise policies. These compliance documents are required to be refreshed every year and the ClauseMatch platform automates the tasks eliminating operational risks.


EqualAI Challenges Companies and Leaders to Pledge to Reduce Bias

#artificialintelligence

EqualAI, a nonprofit organization and leading voice focused on reducing unconscious bias in the development and use of Artificial Intelligence (AI), challenged corporations and business leaders around the globe to take The Pledge to Reduce Bias in AI. There are immediate actions that organizations can take to identify and reduce bias within their existing systems. EqualAI has been seeking out ways that companies can go beyond mere statements in support of the Black Lives Matter (BLM) movement and commit to action. The Pledge identifies actions within a company's control that they can commit to changing quickly to create a tangible impact in our society. Organizations taking The Pledge to Reduce Bias in AI are forward-thinking leaders.


We need a full investigation into Siri's secret surveillance campaign Ted Greenberg

The Guardian

No one wants their most private activities secretly monitored. That's why wiretapping is strictly regulated in the US and most of the world. Federal law makes it a crime for the government to surveil communications without a court-ordered warrant. This is not the issue here. Nor is this a case involving one-party consent.


Murat Durmus posted on LinkedIn

#artificialintelligence

A very important issue that we have to eliminate. Recommended articles on this topic: Of course technology perpetuates racism. It was designed that way: https://lnkd.in/eVrdTmy Millions of black people affected by racial bias in health-care algorithms: https://lnkd.in/dV_dd7E Algorithms have no place in policing: https://lnkd.in/ejrPSqh


Artificial intelligence examines best ways to keep parolees from recommitting crimes

#artificialintelligence

Starting a new life is difficult for criminals transitioning from prison back to regular society. To help those individuals, Purdue University Polytechnic Institute researchers are using artificial intelligence to uncover risky behaviors which could then help identify when early intervention opportunities could be beneficial. Results of a U.S. Department of Justice study indicated more than 80 percent of people in state prisons were arrested at least once in the nine years following their release. Almost half of those arrests came in the first year following release. Marcus Rogers and Umit Karabiyik of Purdue Polytechnic's Department of Computer and Information Technology, are leading an ongoing project focused on using AI-enabled tools and technology to reduce the recidivism rates for convicted criminals who have been released.


Man held up by stun gun on online date gone horribly wrong

FOX News

Strict laws, lack of shops and pandemic-related delays are making it harder for Americans to purchase guns in crime-ridden cities; attorney and gun rights activist Colion Noir weighs in. Authorities said a man from Boston had a stun gun pulled on him Tuesday morning, as he was being robbed by a woman he met through an online dating app. The unidentified man rendezvoused with the young woman at a local hotel, the Associated Press reported. He told police the two talked for about 30 minutes before she pointed a Taser stun gun at him and began rifling through his pockets. She allegedly stole $100 in cash before law enforcement was called in.


Distorting science, putting water at risk

Science

The Navigable Waters Protection Rule (NWPR) ([ 1 ][1]), which was published in April by the U.S. Environmental Protection Agency (EPA) and the Department of the Army (โ€œthe Agenciesโ€), has redefined โ€œwaters of the U.S.โ€ (WOTUS) to restrict federal protection of vulnerable waters ([ 2 ][2]). With its emphasis on โ€œcontinuous surface connectionsโ€ and โ€œpermanen[ce],โ€ the NWPR removes or reduces protection for U.S. waters, including millions of miles of streams and acres of wetlands, many of which comprise headwaters that are critical for sustaining water quality and healthy watersheds ([ 3 ][3]) (see the figure). Although the Agencies claim to have โ€œlooked to scientific principles to informโ€ the NWPR, science has been largely ignored and oversimplified. These new exclusions are based on selective parsing of statutory language and earlier case law, rather than on previously established, science-based interpretations of the U.S. Federal Water Pollution Control Act, commonly known as the Clean Water Act (CWA) ([ 4 ][4]). The EPA's own Science Advisory Board (SAB) found sufficient evidence to conclude that โ€œโ€ฆthe proposed Rule lacks a scientific justification, while potentially introducing new risks to human and environmental healthโ€ ([ 5 ][5]). Responding to this unprecedented distortion of science and rollback in water protections, which went into effect nationwide on 22 June, will require coordinated efforts among scientists, lawmakers, and resource managers. Clearly articulated in the CWA is the intention โ€œto restore and maintain the chemical, physical, and biological integrity of the Nation's watersโ€ ([ 4 ][4]). The CWA was explicit in protecting โ€œnavigable waters,โ€ which Congress defined broadly as WOTUS; however, the extent to which waters other than navigable rivers, lakes, and territorial seas [traditional navigable waters (TNWs)] are protected has repeatedly provoked legal skirmishing. Particularly contentious are determinations about which nontraditional waters, such as wetlands and small tributary streams, contribute to the integrity of TNWs. The NWPR functionally ends the debate by elevating state over federal regulatory authority. Without federal law as a protective regulatory floor, states can and often do choose to leave waterbodies unprotected, making waters vulnerable to unregulated pollution, dredging, filling, and other activities that may profoundly erode water quality ([ 3 ][3]). The NWPR downplays science by redefining protected โ€œwatersโ€ and explicitly states that โ€œscience cannot dictate where to draw the line between Federal and State waters.โ€ The NWPR relies overwhelmingly (and arguably arbitrarily) upon the 2006 Supreme Court opinion by Justice Scalia in Rapanos v. United States, Carabell v. United States Army Corps of Engineers that lacked majority support. A more scientifically nuanced position was articulated by Justice Kennedy on the same case; the four dissenting Justices agreed with Kennedy's rationales for protecting waters, but would have protected even more. The realized impacts are likely to be worse than projected, as ephemeral streams and nonfloodplain wetlands are usually underestimated by remotely sensed data ([ 3 ][3]). The economic analysis filed with the NWPR was largely silent about impacts, simply acknowledging that โ€œthe [A]gencies are unable to quantify [the scope] of these changes with any reliable accuracyโ€ owing to geospatial data issues and uncertainty about government responses ([ 6 ][6]). Yet, in spite of this uncertainty and the potential for harm, the Agencies proceeded with a restrictive and risky rule. Connectivity is a cornerstone in understanding how freshwater ecosystem functions are sustained. In 2015, the Obama administration promulgated the Clean Water Rule (CWR) that included all tributaries and most wetlands as WOTUS ([ 7 ][7]). The scientific rationale for the CWR was reviewed in the EPA Connectivity Report ([ 8 ][8]), which synthesized >1200 peer-reviewed scientific publications and input from 49 technical experts. After a public review process, the 25-member EPA SAB confirmed the scientific underpinnings of both the Connectivity Report and the CWR. Since then, the body of supporting evidence has grown ([ 3 ][3], [ 9 ][9]), enhancing our understanding of how the integrity of freshwater ecosystems within a watershed relates to the biological, chemical, and hydrological connectivity among waterbodies, including wetlands and ephemeral streams. This understanding recognizes as critical to services derived from freshwater ecosystems gradients of connectivity (versus a binary property: connected, not connected) that operate as a function of frequency, magnitude, timing, and duration of biological, chemical, and physical connections among waterbodies ([ 10 ][10]). By disregarding or misinterpreting the science of waterbody connectivity, the NWPR draws scientifically unsupported boundaries to distinguish WOTUS, reaches conclusions contrary to current science, and asserts legal and scientific views substantially different from those of the Agencies under previous administrations of both political parties going back to the 1970s. The NWPR promotes regulations contrary to what science shows about effective water protection. Although agencies often have latitude to adjust regulatory choices when implementing longstanding statutes, they cannot do so arbitrarily and without reasoned justification and rationales in light of relevant law, facts, and science. In contrast to the CWR's recognition of biological, chemical, and physical connectivity, the NWPR relies solely on direct hydrologic surface connectivity to determine wetland jurisdiction. Nonfloodplain wetlands and ephemeral streams are categorically excluded on the basis of lack of hydrological connectivity irrespective of their degree of biological or chemical connectivity. Also excluded are floodplain wetlands lacking a direct surface water connection to TNWs โ€œin a typical year,โ€ and intermittent tributaries lacking relatively permanent surface flows. Such exclusions are inconsistent with evidence demonstrating that these waters are functionally connected to and support the integrity of downstream waters. Removal of federal protection is likely to diminish numerous ecosystem services, such as safeguarding water quality and quantity, reducing or mitigating flood risk, conserving biodiversity, and maintaining recreationally and commercially valuable fisheries ([ 3 ][3]). Just as tiny capillaries play critical roles in the human body, nonfloodplain wetlands (so-called โ€œisolatedโ€) and ephemeral streams (that flow only after precipitation events) support an extensive suite of ecosystem services. Because nonfloodplain wetlands and ephemeral streams are connected to one another and downstream waters along a gradient of connectivity, they also provide substantial cumulative or aggregate ecosystem services ([ 10 ][10]). Because these wetlands and streams will summarily lose federal protection, they will be vulnerable to outright destruction, fill, or unpermitted industrial pollution discharges that risk transporting pollutants throughout watersheds. Losses of nonfloodplain wetlands could include particularly vulnerable and often valuable waters ([ 2 ][2]), including some playa lakes, prairie potholes, Carolina and Delmarva Bays, pocosins, and vernal pools. A preliminary analysis predicts widespread losses of wetland functions, with particularly high impacts on wetlands in arid and semi-arid regions. For example, the CWR protected 72%, whereas the NWPR will only protect 28% of wetland acres, in New Mexico's Rรญo Peรฑasco watershed ([ 11 ][11]). The NWPR also categorically excludes subsurface hydrologic connectivity. To disregard groundwater connectivity is to disregard the scientific understanding of how natural waters function. The Agencies justify this exclusion by claiming that โ€œA groundwater or subsurface connection could also be confusing and difficult to implement.โ€ Although implementation may be challenging in some cases, claimed implementation ease under the NWPR should not supersede an evidence-based determination of connectivity given the potential for economic and environmental harm. The NWPR directly conflicts with a growing body of scientific evidence and with input and review by federal and nonfederal scientists. The rule narrows WOTUS in ways that are inconsistent with longstanding views about the CWA's mandate to safeguard access to clean water. The NWPR opens previously protected waters to filling, impairment, and industrial pollution, and will undermine decades of investments restoring water quality across the United States and lead to profound loss or impairment of ecosystems and the services they provide. For context, the economic value of ecosystem services provisioned by nonfloodplain wetlands alone has been estimated at $673 billion per year ([ 2 ][2]). Congress has the power to strengthen the CWA by enacting new legislation to replace or repeal the NWPR. Future administrations can reassess and act to restore protections through new rulemaking, without the need for new legislation. Toward these ends, the scientific community has already spoken on the matter, proposing three frameworks for the development of renewed protections based on sound scientific merits ([ 2 ][2]). Meanwhile, litigation may present challenges to and perhaps enjoin implementation of the NWPR. The April 2020 County of Maui v. Hawaii Wildlife Fund may help. In that case, the U.S. Supreme Court rejected an argument that would have eliminated federal CWA protections. The Court instead called for a functional and context-sensitive analysis of the disputed activities and their effects to determine federal jurisdiction over intentional pollution discharges into groundwater that predictably flows into WOTUS. In that 6 to 3 decision, the Court laid out a clear scientific basis for closing a loophole in the CWA, affirming for the first time that pollutants that travel through groundwater and then emerge into surface waters are in fact covered by the CWA. ![Figure][12] Protected versus unprotected waters Multiple waterbody types were initially under consideration for protection as โ€œwaters of the United Statesโ€ under the Navigable Waters Protection Rule. Ephemeral streams flow only after precipitation events, intermittent streams flow periodically or seasonally, and perennial streams flow continuously. There are many types of nonfloodplain, or โ€œisolatedโ€ wetlands, including prairie potholes and vernal pools, as illustrated here. GRAPHIC: MELISSA THOMAS BAUM/ SCIENCE Redoubled research efforts also can help address knowledge gaps critical for effective water policy. Quantifying the potential โ€œharmโ€ to clean water that will be caused by the NWPR is critical for both litigation and future rulemaking. Thus, the scientific community will be challenged to further demonstrate the consequences of changes to physical, chemical, and biological connectivity on water qualityโ€”especially in the context of nonperennial streams and nonfloodplain wetlands. Research-based evidence on the impacts of climate change were notably absent in the NWPR and will also be critical in challenging the rule. Under current human-use and water-management schemes, many stream flows are declining, such that intermittent and perennial streams are increasingly being replaced with ephemeral streams that will lose protection. For example, the Upper Kansas River Basin lost 558 km (21%) of stream length between 1950 and 1980, presumably as a result of groundwater pumping exacerbated by climate change, with a cumulative loss of 844 km (32%) predicted by 2060 ([ 12 ][13]). Reduced mountain snowpack and increased evaporation have been implicated in the โˆผ20% decline in the Colorado River's mean annual flow in comparison to the previous century; the Upper Colorado River basin supplies water to around 40 million people and supports โˆผ16 million jobs ([ 13 ][14]). Adoption of the NWPR is an indicator that the federal government is at least in part shedding the use of science and responsibility for water protection. Additional federal rollbacks of environmental protection, such as the Update to the Regulations Implementing the Procedural Provisions of the National Environmental Policy Act, a rule finalized on 15 July, could create a perfect storm for exploitation of water resources. Although federal statutes grant latitude to state, tribal, and local governments to provide additional, more protective regulation, many states do not do so, and many even prohibit regulations more stringent than federally required ([ 2 ][2], [ 14 ][15]). Thus, absent federal protections, many waterbodies will go unprotected. If the NWPR remains in place, local and grassroots approaches to water conservation, including watershed councils and coalitions, information and educational plans to reduce pollution, and university extension programs, will need to further mobilize to fill the vacuum created by the new rule. Such efforts would require additional resources and heightened stakeholder coordination. 1. [โ†ต][16]U.S. Environmental Protection Agency and Department of Defense, Department of the Army, Corps of Engineers, The Navigable Waters Protection Rule: Definition of โ€œWaters of the United States,โ€ 85 Fed. Reg. 22250 (A2020). 2. [โ†ต][17]1. I. F. Creed et al ., Nat. Geosci. 10, 809 (2017). [OpenUrl][18] 3. [โ†ต][19]1. S. A R. Colvin et al ., Fisheries (Bethesda, MD) 44, 73 (2019). [OpenUrl][20][GeoRef][21] 4. [โ†ต][22]Federal Water Pollution Control Act, 33 U.S.C. 1251 et seq., Sec. 101, p. 3 (1972). 5. [โ†ต][23]U.S. EPA, Letter to Andrew Wheeler, 27 February 2020, SAB commentary on the proposed rule defining the scope of waters federally regulated under the Clean Water Act, EPA-SAB-20-002 (Environmental Protection Agency, 2020). 6. [โ†ต][24]U.S. Environmental Protection Agency and Department of the Army, Economic analysis for the Navigable Waters Protection Rule: Definition of โ€œWaters of the United Statesโ€ (EPA, 2020). 7. [โ†ต][25]U.S. Environmental Protection Agency and Department of Defense, Department of the Army, Corps of Engineers, Clean Water Rule: Definition of โ€œWaters of the United Statesโ€ 80 Fed. Reg. 37054 (EPA, 2015). 8. [โ†ต][26]U.S. Environmental Protection Agency, Connectivity of streams and wetlands to downstream waters: a review and synthesis of the scientific evidence technical report, EPA/600/R-14/475F (EPA, 2015). 9. [โ†ต][27]1. S. M. P. Sullivan, 2. M. C. Rains, 3. A. D. Rodewald , Proc. Natl. Acad. Sci. U.S.A. 116, 11558 (2019). [OpenUrl][28][FREE Full Text][29] 10. [โ†ต][30]U.S. Environmental Protection Agency, Letter to Gina McCarthy, 17 October 2014. SAB review of the draft EPA report Connectivity of streams and wetlands to downstream waters: A review and synthesis of the scientific evidence (EPA, 2014). 11. [โ†ต][31]1. R. Meyer, 2. A. Robertson , Navigable Waters Protection Rule spatial analysis: A GIS based scenario model for comparative analysis of the potential spatial extent of jurisdictional and non-jurisdictional waters and wetlands (Saint Mary's University of Minnesota, Winona, MN, 2020). 12. [โ†ต][32]1. J. S. Perkin et al ., Proc. Natl. Acad. Sci. U.S.A. 114, 7373 (2017). [OpenUrl][33][Abstract/FREE Full Text][34] 13. [โ†ต][35]1. P. C. D. Milly, 2. K. A. Dunne , Science 367, 1252 (2020). [OpenUrl][36][Abstract/FREE Full Text][37] 14. [โ†ต][38]State constraints: State-imposed limitations on the authority of agencies to regulate waters beyond the scope of the federal Clean Water Act (Environmental Law Institute, 2013). Acknowledgments: We thank the many individuals who contributed to previous and related documents concerning the proposed replacement rule that helped inform this paper, including letters to the Federal Register (Docket ID No. EPAHQ-OW-2018-0149) and Public Input on the SAB Commentary on the Proposed Rule Defining the Scope of Waters Federally Regulated under the Clean Water Act (84 FR 4154). We also thank L. Poff, W. Kleindl, and three anonymous reviewers for their critiques and suggestions in earlier drafts. R. B. Keast and S.M.P.S. developed the figure. S.M.P.S. is currently providing advisory and expert consulting services to ongoing litigation regarding the NWPR. 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4 things you must do to prep for an AI-powered job interview

#artificialintelligence

Promise aside, candidates should still expect stiff competition as they reenter the now employer-driven job market. Many employers now looking to rehire want to increase the quality of the workforce with fewer recruiters. This requires new tools and innovative strategies. That's why many recruiters are turning to artificial intelligence to help assess their growing number of applicants. AI can play a major role in the virtual hiring process, from AI scheduling assistants to prehire candidate assessments to employee onboarding automation software.


AI Examines Early Intervention Opportunities for Parolees

#artificialintelligence

To help prisoners transitioning back to regular society, Purdue University Polytechnic Institute researchers are using artificial intelligence to uncover risky behaviors which could then help identify when early intervention opportunities could be beneficial. A U.S. Department of Justice study found that more than 80 percent of people in state prisons were arrested at least once in the nine years following their release from prison. Almost half of those arrests came in the first year following release. Marcus Rogers and Umit Karabiyik of Purdue Polytechnic's Department of Computer and Information Technology are leading an ongoing project focused on using AI-enabled tools and technology to reduce the recidivism rates for convicted criminals who have been released. Both are examining the forensic psychology aspect by identifying risky behaviors, stressful situations, and other behavioral and physiological factors connected to a risk of individuals returning to criminal behavior. Rogers is a professor and Karabiyik is an assistant professor in the fields of digital and cyber forensics.


Mphasis bags US patent for artificial intelligence system

#artificialintelligence

Bengaluru: IT solutions provider Mphasis on Wednesday said it has been granted a US patent for its artificial intelligence system for tracking, managing and analysing data. The patent relates to optimised data aggregation and analytics across physical and digital data sources, the company said. The Sensex snapped its four-session winning run to close marginally lower on Wednesday as investors pocketed gains in finance, banking and consumption stocks amid mixed global cues. Mozilla Firefox has laid off 250 employees and shut its operations in Taiwan. "Today, we announced a significant restructuring of Mozilla Corporation. This will strengthen our ability to build and invest in products and services that will give people alternatives to conventional Big Tech," Mozilla CEO Mitchell Baker said.