Financial Infrastructure · DevOps · Boston

Engineering inside
financial services.

Ten years across private equity, retail, and asset management. Real technical experience covering infrastructure, cloud, security, and trading systems. Written plainly to help other engineers navigate this world.

Michael Harlow
Michael Harlow // sys.ghost  ·  Boston, MA
☕ Buy me a coffee
Latest post
Our security team spent six weeks piping repos, IaC, and dependency graphs through Claude Mythos to find what our existing scanners were missing. It found real things. It also raised questions I don't think we've fully answered yet.
Aug 18, 2026 · 9 min read
Read →
All posts

Archive

← Back to posts
DevOps Jul 14, 2026 · 11 min read

Agentic AI Just Crossed Into Production, and Most Teams Are Not Ready for What That Means

Agentic AI Just Crossed Into Production, and Most Teams Are Not Ready for What That Means

For the last year, the conversation around AI agents in engineering orgs was mostly about pilots. Could an agent triage a support ticket. Could an agent draft a first-pass code review. Could an agent summarize an incident. Interesting demos, low stakes, easy to walk back if they did not work.

That conversation is over. What I am seeing now, across the peer firms and infrastructure teams I talk to regularly, is agents running continuously against production systems, with real authorization, real API access, and real consequences if they misbehave. The industry data backs this up: multiple analyst firms now put the share of enterprise applications shipping with at least one embedded agent well above where it was even a year ago, and production deployment rates in banking and insurance specifically are ahead of most other sectors. This is not experimentation anymore. It is infrastructure.

I want to write about this from the seat I actually sit in, which is not "AI strategy" but "the person who gets paged when something a system does goes wrong." Because the operational reality of agentic AI is a much less discussed topic than the productivity story, and it is the part that is going to determine which of these deployments are still running in two years and which ones get quietly shut off after an incident.

The gap between "embedded" and "trusted"

There is a real split forming between how many applications technically have an agent in them and how many organizations actually trust those agents with meaningful autonomy in production. The pattern I see is that most teams cross the first threshold quickly and then stall hard at the second one, because the two problems require completely different skills.

Getting an agent embedded is mostly a model and prompting problem. Getting an agent trusted is an authorization, auditability, and failure-mode problem, and that is squarely infrastructure and security territory, not model territory. I think this is why so many agent projects stall out after the initial rollout: the team that built the demo is rarely the team equipped to answer "what happens when this agent does something wrong at 2am and nobody is watching."

What actually breaks in practice

The incidents I have seen or heard about secondhand are rarely dramatic. They are boring in the way that most infrastructure incidents are boring, which is exactly why they are dangerous.

An agent with slightly too broad a scope of API access performs a bulk action that was technically within its permissions but well outside what anyone actually intended when they granted them. An agent retries a failed action in a way that produces duplicate side effects, because nobody built idempotency into the workflow it was calling. An agent operating continuously accumulates cost in a way nobody notices until the monthly bill arrives, because the team monitored whether the agent worked and not what it cost to keep running.

None of these are novel problems. They are the same categories of failure we have always dealt with in distributed systems: overbroad permissions, non-idempotent retries, unmonitored resource consumption. What is new is the volume and the autonomy. A human operator making a mistake inside their permission scope makes it once, at human speed. An agent making the same category of mistake can make it continuously, at machine speed, before anyone notices the pattern.

Governance is lagging adoption, and everyone in the industry knows it

This is the part that should concern anyone building on this stuff right now: the surveys I have seen this year are consistent in finding that most organizations deploying agents do not yet have a mature governance model for them. Oversight, audit trails, and clear ownership of agent behavior are still catching up to how fast the agents themselves are being deployed. A meaningful share of agentic AI projects are expected to be scrapped over the next couple of years, and the honest read on that is not that the technology failed. It is that the projects were built without the operational discipline that would have let them survive contact with a real incident.

I have started thinking about this the same way I think about any other production system a firm did not build with change management or audit logging from day one: it is not that it cannot be retrofitted, but retrofitting governance onto something already running is always more expensive and more painful than building it in from the start.

What I am actually doing about this on my own systems

A few concrete things, none of which are exotic, all of which I think are underused relative to how much they matter.

Treat agent permissions the same way you would treat a service account, not the same way you would treat a helpful assistant. If you would not grant a human contractor standing write access to a system, do not grant it to an agent by default. Scope access to the narrowest set of actions the workflow actually requires, and revisit that scope on a schedule, not just when something goes wrong.

Build an audit trail before you build the agent, not after. Every action an agent takes against a production system should be logged in a way that lets you reconstruct, after the fact, exactly what happened and why. This sounds obvious. It is skipped constantly, because it is not the interesting part of the build and it does not show up in the demo.

Assume retries will happen and design for idempotency deliberately. Agents retry. That is part of what makes them useful. It is also exactly the behavior that turns a transient failure into a duplicated side effect if the underlying action was not designed to be safely repeated.

Put a human in the loop at the boundary that actually matters, not everywhere. I do not think every agent action needs sign-off; that defeats the point. But I do think every workflow needs an explicit, deliberate answer to the question of which specific actions require human confirmation before they execute, rather than that boundary being decided implicitly by whoever built the first version.

Where I think this goes

The firms that get real value out of agentic AI over the next couple of years are, I think, going to be the ones that treat it as infrastructure from the start rather than as a productivity tool that happens to touch production systems. That means the people best positioned to make agentic AI work well are not necessarily the people who are best at prompting. They are the people who already know how to think about permission boundaries, audit trails, and failure modes, because that discipline transfers directly.

If you have spent years thinking about least privilege, idempotent retries, and what a clean audit trail actually looks like, you are closer to being ready for this than you might think. The models keep improving. The operational discipline around them is the part that is still being figured out in real time, and it is the part where infrastructure engineers, not model builders, have the most to contribute.

Found this useful?
☕ Buy Michael a Coffee
← More posts

Hey, I'm Michael Harlow.

Senior Systems Engineer · Boston, MA · Writing as sys.ghost

I have spent over a decade building and maintaining infrastructure at the intersection of technology and financial services. My career has taken me through three distinct sectors -- technology, private equity, and asset management -- and each one changed how I think about what reliable infrastructure actually requires.

I started in general IT, which is where most engineers who did not go straight into software end up. Data centers, networking, on-call rotations, learning to label cables properly because unlabeled cables are a promise that someone else will suffer later. The work taught me that almost every sophisticated system is, one layer down, a collection of unglamorous fundamentals that either hold or do not. I still believe that. I still label everything.

Private equity came next, and it was a different world. The infrastructure stakes there are less about uptime and more about data integrity. When deal teams are making acquisition decisions based on data you are responsible for, and when a due diligence process has a hard deadline that does not move regardless of what broke overnight, your relationship with reliability changes. A wrong number in an LP report does not cause an immediate incident. It causes a conversation in a partner meeting six weeks later, and by then you need to reconstruct what happened from imperfect records. I became obsessive about data provenance in PE and I have not stopped.

For the past several years I have been in asset management, supporting trading and investment operations infrastructure. This is the environment I find most technically interesting. The compliance requirements are demanding, the legacy systems have long institutional memories, and the tolerance for operational errors is genuinely low -- not just in terms of business impact, but in terms of regulatory consequence. When markets are open, there is no fixing it after the weekend.

I started Packet & Profit in January 2026 because I kept looking for the kind of writing I wanted to read and finding it mostly did not exist. There is a lot of content for engineers online. There is much less written by engineers working specifically inside regulated financial services firms, being honest about what that actually involves day to day. The compliance conversations, the legacy constraints, the incident management in front of stakeholders who measure downtime in dollars per minute. That is what I write about here.

Outside of work I have been running a Saturday morning robotics course at my local YMCA for kids aged 10 to 14. It is one of the better decisions I have made.

Certifications

Red Hat Certified Engineer (RHCE)
Certified Kubernetes Administrator (CKA)
AWS Solutions Architect -- Associate
CompTIA Security+
HashiCorp Vault Associate

My Stack

RHEL / Ubuntu
Kubernetes
OpenShift
Terraform
Ansible
Prometheus
Grafana
Python / Bash
AWS / Azure
Cisco / Palo Alto
PostgreSQL
Redis
HashiCorp Vault
Fluent Bit
Helm
ArgoCD

Career

2022 -- Present
Senior Systems Engineer, Asset Management -- Boston, MA
Leading infrastructure for trading operations and investment management systems. Responsibilities span network security, cloud migration strategy, Kubernetes platform engineering, and incident response. Deeply involved in T+1 settlement infrastructure work and the shift from overnight batch processing to near-real-time event-driven architecture.
2018 -- 2022
Systems Engineer, Private Equity -- Boston, MA
Built and maintained data infrastructure supporting deal teams, portfolio monitoring, and investor reporting. Managed infrastructure through multiple due diligence cycles with hard deadlines and high data integrity requirements. Led a major data platform migration from on-premises to cloud-hosted infrastructure, including security controls satisfying LP and regulatory requirements.
2015 -- 2018
Infrastructure Engineer, Retail Technology
Supported inventory management, real-time pricing, and supply chain integration systems across a high-SKU retail environment. Operated under peak load conditions where scale was a concrete engineering problem rather than an abstract one. Built out monitoring and alerting infrastructure from scratch and managed a full data center relocation.
2013 -- 2015
IT Engineer, Technology Sector
Established the professional fundamentals: data center operations, network infrastructure, endpoint management, and the on-call rotations that teach you more about system fragility than any textbook. Developed an appreciation for cable labeling that has never left me.

Get in Touch

If you are an engineer working in financial services, curious about the career path, or have a question about something I have written, I would genuinely like to hear from you. Use the and I will get back to you. If something here has been useful, a coffee is always appreciated.

A note on anonymity: I write under my own name but keep my current employer private. The financial services industry is small, the regulatory environment is real, and I want to write honestly without those constraints. All incidents and case studies on this site are anonymised. The technical content is real; identifying details are not.
Get in touch

Contact

Whether you are an engineer in financial services, have a question about something I have written, or just want to say hello - feel free to reach out. I read everything.

Powered by Resend · No spam, ever

Legal

Privacy Policy

Last updated: April 2026

This policy explains what information Packet & Profit collects when you visit this site, how it is used, and what choices you have.

Information We Collect

We do not require you to create an account or provide personal information to read this blog. The only personal information we collect is what you voluntarily submit through the contact form: your name, email address, and message. This information is transmitted via Resend and used solely to respond to your enquiry.

Google AdSense and Advertising

This site uses Google AdSense to display advertisements. Google AdSense uses cookies and similar tracking technologies to serve ads based on your prior visits to this and other websites. This means Google may use information about your visits to this site to show you personalised ads on other sites across the web.

You can opt out of personalised advertising by visiting Google Ads Settings, aboutads.info, or optout.networkadvertising.org. See Google advertising policies for more.

Cookies

This site uses a single first-party cookie to remember your theme preference (light or dark mode). This cookie contains no personal information. Third-party cookies may be set by Google AdSense for advertising purposes as described above.

Analytics

This site does not currently use any analytics platform beyond what Vercel provides as part of its standard hosting service (aggregated, anonymised traffic data).

Contact Form

When you submit the contact form, your name, email address, subject, and message are transmitted to the blog author via Resend. This data is not stored by this site and is not shared with any third party beyond Resend. See Resend's privacy policy for details.

Third-Party Links

Posts on this site may link to external websites. We are not responsible for the privacy practices or content of those sites.

Your Rights

If you have submitted a message via the contact form and would like that information removed, or if you have any questions about this policy, please use the contact form to get in touch.

Changes to This Policy

We may update this policy from time to time. The date at the top of this page reflects when it was last revised.

Legal

Terms of Service

Last updated: April 2026

By accessing and using Packet & Profit (www.packetandprofit.com), you agree to be bound by these Terms of Service. If you do not agree, please do not use this site.

Use of Content

All written content, illustrations, and code examples published on this site are the original work of Michael Harlow unless otherwise stated. You are welcome to share links to posts and quote brief excerpts (with attribution), but you may not reproduce full articles, copy content to other websites, or use the content for commercial purposes without written permission.

No Professional Advice

Content published on this site reflects personal opinions and professional experience. It is provided for informational and educational purposes only. Nothing on this site constitutes financial, investment, legal, or professional advice of any kind. See the for more detail.

Third-Party Links

This site may contain links to third-party websites. These links are provided for convenience and do not constitute an endorsement of the linked site or its content. We have no control over and accept no responsibility for external sites.

Advertising

This site participates in Google AdSense, which displays advertisements from third-party advertisers. The presence of an advertisement does not constitute an endorsement of the advertiser's products or services. Ad content is determined by Google based on the content of this site and your browsing history.

Accuracy of Information

While we make every effort to ensure the accuracy of information published on this site, technology and financial markets change rapidly. Information that was accurate at the time of publication may become outdated. We do not warrant the completeness, accuracy, or timeliness of any content on this site.

Limitation of Liability

To the fullest extent permitted by law, Packet & Profit and its author shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this site or its content.

Changes to These Terms

We reserve the right to update these terms at any time. Continued use of the site following any changes constitutes your acceptance of the revised terms. The date at the top of this page reflects the most recent revision.

Contact

If you have questions about these terms, please use the .

Legal

Disclaimer

Last updated: April 2026

Packet & Profit is a personal blog written by Michael Harlow, a Systems Engineer based in Boston, MA. The views expressed here are entirely his own and do not represent those of any employer, client, or organisation he is affiliated with.

Not Financial or Investment Advice

This site discusses financial services technology, investment management infrastructure, and related engineering topics from a technical practitioner's perspective. Nothing published here is financial advice, investment advice, or a recommendation to buy, sell, or hold any security, asset, or financial instrument. The author is not a registered financial adviser, broker, or investment professional.

Content that references financial markets, trading systems, or investment firms is provided for technical and educational context only. Any figures, case studies, or examples are illustrative and should not be relied upon for financial decisions.

Not Legal or Professional Advice

Nothing on this site constitutes legal, compliance, regulatory, or professional advice. Readers should consult qualified professionals for advice specific to their circumstances.

Professional Experience

Posts on this site draw on the author's professional experience in systems engineering across private equity, retail technology, and asset management. Specific details about employers, clients, projects, and colleagues have been anonymised or generalised. Any resemblance to specific organisations is incidental.

Accuracy

The author makes reasonable efforts to ensure published information is accurate at the time of writing. The technology and financial services landscape changes quickly. Readers should verify any technical or regulatory information against current primary sources before acting on it.

Affiliate Links and Advertising

This site displays advertisements through Google AdSense. The site may also contain links to tools, services, or products that the author uses or finds useful. These are not paid endorsements unless explicitly stated. The author's opinions are his own and are not influenced by advertisers.

Questions

For questions about anything on this site, please use the .

This site uses cookies for theme preferences and displays ads via Google AdSense, which may use cookies to personalise ads.