If your institution wants to lead, not lag, MRM has to move faster. 

If your institution has invested in forward-looking climate risk data, you’re already ahead of the pack. But here’s the catch: that data is useless if it can’t be used in real decisions. And for many banks, that’s exactly the situation they’re in.

Models that haven’t passed internal Model Risk Management (MRM) review are stuck in limbo. They may be used for exploratory analysis or internal sandboxing -- but not for underwriting, stress testing, pricing, or portfolio construction. That means the insights your teams need to drive real action are sitting on the shelf.

It’s not that your organization doesn’t understand the value of climate intelligence. It’s that the model validation process has become a bottleneck. And it’s not just costing time -- it’s costing competitive position, regulatory defensibility, and investor confidence.

Let’s break it down.

Unusable Data, Growing Pressure

In many regulated financial environments, such as the U.S., MRM is a non-negotiable. It exists to ensure that any model used in decision-making is transparent, scientifically sound, and reproducible. That’s a good thing. But it also creates a hard operational ceiling.

Until a model clears MRM, it’s off-limits for production use. Here’s where the tension kicks in:

• Climate risk is accelerating.
• Investors are watching.
• Competitors are moving.
• Though delayed in many places, regulation is tightening.

And your climate data is still waiting on approval. Meanwhile, your teams are burned out chasing documentation, rerunning tests, or translating black-box vendor models into something the MRM team might accept. They’re smart. They’re doing the work. But they’re stuck because the process isn’t built for speed -- or for climate data.

What That Delay Actually Costs

This isn’t just a technical delay -- it’s a strategic risk. Here are some of the real-world downstream effects of relying on unvalidated climate risk models or enduring prolonged MRM reviews:

Using Models That Haven’t Passed MRM

• Can’t be used in financial decisions: Lending, underwriting, and pricing decisions remain unadjusted for climate risk; and the delta between your asset values and your climate-adjusted asset values can be significant.
• Early risk signals are missed: Physical risk red flags go undetected – until losses start to materialize.
• Compliance risk grows: Using unvalidated models in production opens the door to regulatory penalties.
• Internal trust erodes: Leadership loses patience; and risk and modeling teams lose credibility and may grow increasingly frustrated -- questioning the value of their efforts when the data they’ve invested time and expertise in remains unusable for critical decisions.

Delays in the MRM Process Itself

• Time-to-deployment slows: ESG reporting, stress testing, and IRB models get stuck.
• Product innovation stalls: New lending or risk-adjusted products never make it to market.
• Teams burn out: Review cycles drag on, wasting high-value talent on documentation reviews.
• Investors lose confidence: Delayed disclosures signal weakness in governance and transparency.

Within the organization, delayed validation can create an atmosphere of anxiety and mounting pressure. With executive leadership closely monitoring progress, teams may feel overwhelmed. Internal teams may grow increasingly frustrated -- questioning the value of their efforts when the data they’ve invested time and expertise in remains unusable for critical decisions.

When Everyone Uses Different Data, No One Has the Full Picture

When climate risk data is limited to exploratory or sandbox environments, different teams often resort to using different models or datasets tailored to their immediate needs. The result is a patchwork of analyses that vary in methodology, assumptions, and outputs – making it nearly impossible to compare results across business units or roll them up into a cohesive enterprise view. Without a single, validated source of truth, organizations risk conflicting insights, duplicated efforts, and inconsistent decision-making. 

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What a Better Path Looks Like

By contrast, validated data offers not only regulatory confidence but also the benefit of standardization. This consistency strengthens governance, aligns risk assessments across teams, and supports a more coherent and defensible climate risk strategy. The ideal solution provides:

• Transparent, reproducible models built for scrutiny
• Documentation and validation tests already structured for MRM
• Direct access to experts who can answer internal validators' questions
• Templates and rollouts that match how your institution governs models

It transforms MRM from a barrier into a catalyst.

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Jupiter MRM Accelerator

Jupiter’s MRM Accelerator was designed for one purpose: to help financial institutions validate and operationalize our climate risk data faster, with confidence.

It’s not a workaround -- it’s a purpose-built solution for getting ClimateScore™ Global through MRM and into production. Here’s what makes it different:

Built for Validation Readiness & Approval

• 500+ pages of peer-reviewed documentation
• 60+ co-developed validation tests
• Internal V&V metrics
• Qualitative benchmarks and reproducibility tests

Direct Access to Science Expertise

Access to the scientists who built the models -- ready to answer validator questions, and accelerate the approval timeline

In this short video, Jupiter’s Head of Product, Alan Samuels, explains how we bridge cutting-edge climate science with the real-world needs of banks and financial institutions. From MRM readiness to actionable analytics, Alan shares how our team is making it easier for clients to integrate physical climate risk into decision-making with speed, clarity, and confidence.

The Payoff: Strategic Agility

Institutions using the Jupiter MRM Accelerator have saved 77% in resource costs and shortened time-to-approval by months -- equating to estimated savings of $250K–$500K depending on internal staffing models.¹ Fast-tracking MRM isn't just about compliance. It's about owning the future with validated, decision-grade climate data:

• Banks can stress test more effectively.
• Asset managers can identify resilient investments early.
• REITs and lenders can price risk more accurately.
• PE firms can assess acquisition risk in real time.

And while competitors are still scrambling to validate, your institution is already putting the data to work.

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Where This Goes Next

Climate risk isn’t waiting for anyone. And neither are regulators, investors, or competitors. Delays in validation are no longer just operational hurdles -- they’re strategic liabilities.

If your institution wants to lead, not lag, MRM has to move faster. 

With the right data, it can. The winners won’t just be the most climate-aware. They’ll be the ones who are climate-first.

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Speak with a climate expert and see a demo. Reach out here.