One thing mentioned in this article is that some of the warming may be due to regulations in 2020 that mandated cleaner (less sulfur) shipping fuel. The particulates from this fuel apparently reflected a significant amount of light both directly and through cloud formation, the loss of which may have caused a kind of termination shock and jump in ocean temperatures. If this is true, we should figure this out and do something about it ASAP.
ETA: To be clear, if true this is just the cherry on the thermonuclear bomb we've set off under our feet. But it's still significant and something we might be able to address.