What.... so you can't find anything concrete or provable put you say it is baked into the system? To me that is a stretch... do people have prejudiced idea's that are often subconscious? Yes and that can very well account for some of the appears of systemic racism being built into the system but that is not the truth, Laws and Policy make that illegal. If individual people within the system make biased decisions that is not systemic racism, it's not the system that has been set up, it is the individuals who are implementing the system.
In fact Toots gave a prime example of Individual bias as opposed to Systemic racism when he pointed out that Blacks get longer Prison sentences for the same criminal act..... That is 100% on the judges who do the sentencing, there are several studies that have been done on that. It's real and wrong but that is on the individual not the system.
Literally Federal law(Fair Housing Act/CRA) outlaws Redlining so clearly that is not hardwired in the system. If Banks do that it's illegal and done with individual prejudice. CRA is suppose to Track how often loans are approved and denied.
I'm not denying that individuals within the system make biased and prejudiced decisions, but that is not ever going to Go away, Ever it's human nature and will always be with us to some degree. All types of biased and prejudice exist it can be toward political parties, Height, Weight, Physical appearance, etc. not just race.
All that can be done is to make the system fair for all in a legal manner and that has been done and then hope those implementing the system are not biased/prejudiced in making decisions implementing the system. And if they do then they are caught punished and replaced.
Blame the people not the system.... Blaming the system is lazy and fixes nothing.