Speakers List - OpRisk Europe 2018
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OPENING KEYNOTE: Paul Dyer

Deputy CRO & Head of Operational Risk, Compliance & Risk Review

FINANCIAL CONDUCT AUTHORITY (FCA)

Paul has expertise in developing regulatory, risk and innovation practices for organisations, having lead transformations for Regulators, Insurers, Banks, Pensions, FX and Investment firms.

Paul has leadership experience from performing Risk & Compliance, Operational and Commercial roles for large and small organisations, as well as also establishing his own successful consultancy, which was shortlisted for Consultancy of the year by the Institute of Risk Management.

Paul joined the Financial Conduct Authority at the end of August 2017 to lead the Operational Risk, Compliance and Risk Review teams. Prior to this, as well as running his own business, Paul led the Association of Professional Compliance Consultant (APCC). Paul remains an Expert Advisor in Regulatory Risk for the Bar Standards Board, who regulate Barristers in the UK.

Paul is a certified member of the Institute of Risk Management, has two business degrees (including one from the Ecole Superieure de Commerce in Bordeaux, France) and a Masters degree with distinction in Innovation, Creativity and Leadership from CASS University.

 

 

REGULATORY KEYNOTE: Lyndon Nelson

Deputy CEO & Executive Director, Regulatory Operations and Supervisory Risk Specialists

PRUDENTIAL REGULATION AUTHORITY (PRA)

Lyndon Nelson took up the role of Deputy CEO of the Prudential Regulation Authority on 1 March 2016. In this capacity he chairs the main executive decision making meetings on supervision, policy and risk issues and is the Executive Director for Supervisory Risk Specialists and Regulatory Operations. Prior to this role, Lyndon was the Executive Director for UK Deposit Taker Supervision. He is a member of the Bank's Executive Director Committee and Executive Risk Committee. He represents the UK in the Basel Committee on Banking Supervision.

Lyndon has a strong background and experience in risk management, regulation, economics, finance and public policy. In twenty-eight years (at the Bank of England and Financial Services Authority) he has been involved or been responsible for all of the major developments in risk assessment, culminating with the development of ARROW II and his tenure as FSA's Chief Risk Officer. His risk management approach draws extensively on his experience of supervision of banks and securities firms. Lyndon can claim to have supervised all of the major UK and US banking and investment banking institutions at one time or another.

Lyndon has been very committed to education and improving the ability to manage risk and financial crises. He has jointly devised and led crisis simulation exercises and training on financial stability and risk management for both domestic and international organisations. He is regularly asked to provide technical assistance to regulators, legislators and international organisations. He is also a Basel Core Principles Assessor for the IMF.

Lyndon has been responsible for many change and transformation programmes in his career. He was responsible for the FSA's strategic performance management framework and was part of the Bank team that established the Bank's Financial Stability function, including editing the first editions of the Financial Stability Review. He took on the responsibilities of the Managing Director of Risk during the first phase of regulatory change at the FSA and helped to develop the UK's macro prudential framework working extensively with the Financial Policy Committee.

 

CHAMPAGNE KEYNOTE: Royce Curtin

Managing Director of Global Intelligence

BARCLAYS

Royce Curtin joined Barclays in January 2017, as Managing Director of Group Intelligence to lead the build-out and delivery of the firm's global Intelligence services. He previously completed a 27-year career as a Federal Bureau of Investigation (FBI) Senior Executive and USA military pilot, including his final role as an FBI Senior Advisor to the USA Director of National Intelligence and the FBI Deputy Assistant Director of National Intelligence for Partner Engagement.
Royce brings leadership expertise in cyber security intelligence, incident management and response, special operations, and delivering high-impact, outcome-based, client-centric services and business performance solutions.
Royce leads Barclays' Global Threat Intelligence program as part of an integrated Security Operations service line, combined with their CSO Global Cyber Operations and Investigations teams and a 24/7 Joint Operations Center. His team coordinates all intelligence activities across CSO, BUK Retail Bank, and Barclays International Bank and is key to a large 3 year change program delivering Intelligence Driven Defence security operations across the company.
The Intelligence team delivers Cyber Defence, Cybercrime, Geo-Political, Physical, Strategic and Open Source Intelligence on the most sophisticated threats to the bank that helps defend the network; optimize controls; protect the corporate estate and global workforce; reduce cyber-enabled financial loss; inform vulnerability management, resilience, red team, and secure innovation; support 24/7 situational awareness and incident response; and plays an integral role in mitigating risk and enabling rich customer experiences and secure global financial services.
Barclays enjoys partnerships in a number of industry forums and threat intelligence groups including, FS-ISAC, FSIE, CSIG and has dedicated resources embedded in cross-industry and government organizations including the Cyber Defence Alliance (London), the National Cyber Security Centre Fusion Cell (London), National Cyber Forensic Training Alliance (USA) and Interpol's Global Complex for Innovation (Singapore).

Simon Gadd

Group CRO

LEGAL & GENERAL

Simon Gadd was appointed CRO of L&G Group in January 2013. As Group CRO he heads risk oversight for all risk types within L&G risk framework, including prudential, operational and conduct risks. He provides advice to the Board and Executives on risk matters across the Group, including both UK and overseas operations, and sits on the Group Executive Committee and Group Risk Committee.

Simon has had a varied career with Legal & General since completing a mathematics degree at Oxford University. He qualified as an actuary in 1991 and roles undertaken since have included defined benefit pension valuation, various pricing and marketing roles, general management roles, and leadership of the pensions review. Simon has led several different businesses within the Legal & General group, including the Retail Protection business, Group Protection business and as MD of Annuities from 2006 - 2012.

 

Nathan Jones

Managing Director - Head of Operational Risk Management

STATE STREET

• Nathan is an IT Graduate with educational and dissertation experience in Neural Networks and other artificial intelligence techniques.
• Following training at Sandhurst and a 10 year spell in the British Army, Nathan has had experience as a Strategy Consultant and latterly as an Operational Risk specialist at UBS and then at his current employer State Street
• He joined State Street in January 2013 as EMEA Head of Operational Risk for Global Markets covering EMEA and has subsequently held roles as Head of Risk (Country CRO) Italy based in Milan, and latterly as Head of Non-Financial Risk for the International Bank covering Continental Europe.
• Nathan has experience in framework design and implementation across all parts of the Risk life cycle and with coverage in Markets, Custody and Technology businesses.

Cosimo Pacciani

Chief Risk Officer

ESM

Cosimo Pacciani has been the Chief Risk Officer for the European Stability Mechanism since 2015. He has joined this key European institution as Senior Credit Officer and Deputy Head of Risk in 2014. Previously, he spent nearly two decades working in the City of London. He has been for eleven years at Royal Bank of Scotland, where he was Chief Operating Officer for the Group Credit Risk function and, previously, Head of Risk and Compliance for the Asset Protection Scheme, the mechanism established by the British government to rescue the banking system. Previously, at RBS he was Head of Credit Risk for Corporate and Public Institutions in Europe.
He has worked previously in portfolio management at Credit Suisse First Boston and for the London branch of Monte dei Paschi di Siena in London, dealing with derivative products and portfolio management. He holds a Ph.D. from the Faculty of Economic Sciences of the University of Siena and a Master Degree from the Faculty of Economics of the University of Florence.

Steve Hill

Global Head of Technology Operational Risk Management

CREDIT SUISSE

Steve Hill is responsible for managing global technology operational risk at Credit Suisse. Steve retired from the National Security Secretariat of the Cabinet Office last year, where was deputy director with a responsibility for aspects of UK Government cybersecurity policy. He previously served for more than 30 years in the Foreign and Commonwealth Office in a variety of national security roles in London and overseas. Throughout his career he focused on managing strategic risks and countering transnational threats, including terrorism and WMD proliferation. Steve is also a Visiting Senior Fellow at the Department of War Studies at King's College London

Will Martyn

Head of Operational Risk Framework & Policy

HSBC

• Will Martyn, Head of Operational Risk Framework & Policy, HSBC
• Started career at Lloyds Banking Group in 2004 and spent seven years there; largely managing risk management projects and programmes
• Joined Deloitte in 2011 and spent four and a half years supporting FS clients, primarily in reviewing, designing and implementing Operational Risk frameworks
• Joined HSBC in June 2015 as Head of Operational Risk Framework & Policy.
• I own the HSBC OpRisk framework, policy suite, procedures and design for key OpRisk processes/tools, including HSBC's internal control framework

Charles Forde

Executive Director - Operational Risk - Head of Outsourcing & Vendor Risk

UBS

Charles is currently the Global Head of Outsourcing and Third Party Risk at UBS. The function is part of Compliance & Operational Risk, the 2nd Line of Risk in the firm.
Additionally, Charles is currently the Operational Resilience Co-Ordinator for the IB Business globally and for all UBS businesses in the UK, (Operational Resilience covers Outsourcing & Third Party Risk, Information Security, Cyber Risk, Records Management, Business Continuity, Technology Risk and Change Governance).
Previously, Charles held the position of COO of Operations & Technology for Group Data, Reconciliations and the Client Data Confidentiality Programme at UBS.
Before joining UBS, Charles was with ERNST & YOUNG in London in the Risk Advisory practice.
Charles has previously held roles managing risk and operations for Goldman Sachs, JP Morgan and Barclays.
He began his career at the UNITED NATIONS managing technology and operations to support military peace-keeping operations and humanitarian programmes.

 

 

Giles Spungin

Global Head of Operational Risk and Regulatory Compliance Analytics

HSBC

Giles is responsible for development and imbedding of advanced analytics strategy for Op Risk and Reg Compliance functions globally, including deployment of bank-wide predictive risk management solutions. Activity examples include automation and behavioural analytics, surveillance analytics and capital modelling. Giles chairs Model Risk Oversight Committee. Prior to joining HSBC, he worked in other highly quantitative roles, including positions at Goldman Sachs and Deutche Bank. Giles has High Frequency Algorithmic Trading development background.

Philip Umande

Head of Operational Risk Capital & Analytics

LLOYDS BANKING GROUP BANKING

Philip Umande is Head of Operational Risk capital at Lloyds Banking Group and is on the Board of a Hertfordshire Schools Academy Trust. Previously Philip worked for the Prudential Regulation Authority and U.K. Financial Services Authority, where he was a team leader and helped to shape Pillar 2 policy for operational risk capital. Philip has also worked in the energy and reinsurance sectors.

Dimitris Bartzilas

Head of ORM Capital

CREDIT SUISSE

Dimitris has over 12 years' experience in OpRisk management. He has been with Credit Suisse since 2010 and heads the global Operational Risk Capital & Modelling department which is responsible for the regulatory & internal capital processes including AMA, ICAAP, CCAR, etc. Before CS he was with Lloyds bank and he is a mathematician by training.

Andrew John Sheen

Head of Operational Risk Regulatory Advisory

CREDIT SUISSE

Andrew Sheen joined Credit Suisse as the Head of Operational Risk Regulatory Advisory in December 2015 and provides advice on all rules and guidance related to operational risk. Previously Andrew had been the Head of Operational Risk, Use and Embedding, at HSBC having joined from the PRA in September 2013. In his 9 years at the PRA (previously the FSA) Andrew was Head of the Operational Risk Policy Team and then became Head of the Risk Specialist Team for Operational Risk. Whilst at the regulator Andrew represented the UK on the operational risk groups for both the Basel Committee and also the European Banking Authority. Prior to joining the regulator Andrew held operational risk roles in international and investment banks.

Michael Grimwade

Executive Director, Head of Operational Risk, Operational Risk Management,

MITSUBISHI UFJ SECURITIES INTERNATIONAL

Michael Grimwade has worked in Operational Risk Management for almost 20 years. He is currently Head of Operational Risk Management for Mitsubishi UFJ Securities, and was previously Operational Risk Director for Lloyds TSB's Wholesale Division and also Head of Operational Risk & Compliance for RBS's 316 branches, that were due to be sold to Santander. Prior to this, Michael worked for a decade as a management consultant at PwC and Deloitte Consulting, focusing on Operational Risk Management, process improvement and cost reduction.

Michael A. Barton

Director of Operational Risk Quantification and Scenario Analysis, CCAR/EC

AIG

Michael Barton, Head of Op Risk Quantification for Economic Capital, CCAR, and Scenario Analysis
Michael Barton is currently the Head of Operational Risk quantification and risk data analytics at AIG. His role entails leading the modeling efforts for CCAR estimation, economic capital, scenario analysis, allocation, and other analytical support for AIG's risk management framework. Before working at AIG, Michael was the Head of the Regulatory Solutions Quantification group in U.S. Bank's Corporate Treasury Department. In this role, he was responsible for CCAR/DFAST and regulatory capital modeling for Operational Risk, as well as setting up a governance framework for models and analytical tools in U.S. Bank's Corporate Treasury Department. When Michael left U.S. Bank, there were no open MRAs for the CCAR/DFAST Model. Previous to those roles, Michael worked in an actuarial capacity at Sun Life Financial in Boston handling variable annuity reserving, fixed and variable annuity lapse study estimations, and retirement product pricing. He held a similar variable annuity reserving role in Security Benefit Corporation in Topeka, KS before that. Michael has a Bachelor's Degree in Mathematics with an Actuarial Emphasis, and a Master's Degree in Theology.

Brenda Boultwood

Senior Vice President of Industry Solutions

METRICSTREAM

Brenda Boultwood - Senior Vice President of Industry Solutions at MetricStream
As the Senior VP of Industry Solutions, Brenda is responsible for a portfolio of key industry verticals, including Energy and Utilities, Federal Agencies and strategic Banking and Financial Services customers, as well as the European region. She comes to MetricStream with a rich career in Risk Management, and has held several key operating roles at some of the largest global organizations including Constellation Energy, J.P. Morgan Chase & Company, Bank One Corporation, PricewaterhouseCoopers and Chemical Bank Corporation.

Chris Lovett

Head of Technology Risk Management (EMEA & APAC)

BLACKROCK

Chris Lovett, Director, is an Operational Risk professional with 14+ years global experience. He specialises in Technology Risk Management and has held roles across all three lines of defence, in both an operational and advisory capacity.

He leads the second line Technology Risk Management function at BlackRock for the EMEA & APAC business, specifically looking at the Aladdin investment management and trading platform. He is responsible for oversight of the firm's technology operational risks including regular engagement with BlackRock's clients, vendors and regulators on technology risk related topics.

Prior to joining BlackRock in 2013, he led the first line Global IT Risk Management team at Aviva Investors and was responsible for identifying and quantifying IT operational risk globally across the business. From 2003 to 2010, he was part of Ernst & Young's IT Risk & Assurance practice providing technology risk assurance and consultancy to a number of global financial services organisations.

Chris earned a BSc (Hons) degree from the University of Exeter and holds CRISC and CISA qualifications.

 

 

Laurent Condamin

Partner

MSTAR

Expert consultant for operational risk modelling and quantification (banks, insurance, energy).
Project Manager for many projects in operational risk modelling, machine learning, data modelling, bayesian networks, etc.

Risk Quantification: Management, Diagnosis and Hedging
Laurent Condamin, Jean-Paul Louisot, Patrick Naïm
Wiley, London, Dec 2006

 

 

David Phan Dinh

Head of Operational Risk

ROTHESAY LIFE

David Phan Dinh recently joined Rothesay Life as the Head of Operational Risk. Before that, he worked in operational risk for the UK regulator (PRA), an investment bank (Credit Suisse) and one of the big four (EY). His most recent achievements include material contributions to the UK banking Pillar 2 regime, and to the Basel Committee on Banking Supervision Standard measurement Approach where he acted as Technical Advisor.

Jeff Simmons

Managing Director, Head of Enterprise Risk Management EMEA

MUFG

Jeff Simmons joined the Bank of Tokyo Mitsubishi UFJ ("BTMU") in June 2014 as the Head of Enterprise Risk, tasked with creating the function.

Prior to joining the bank he spent some 20 years working in the Risk Management arena, this included Market Risk, Credit Risk, Risk Model Validation and Regulatory Risk consulting.

At BTMU his responsibilities include the development of a Regional Risk Appetite Framework, including the design and implementation of a forward looking risk appetite framework which can be used for strategic decision making and control purposes. He is also developing an Integrated Stress Testing framework, and subsequently integrating this with the Risk Appetite framework including the analysis of the Banks forecast under varying macro economic environments. He is now working extensively with both the Tokyo based Head Office and the continental offices to develop a global framework in these 2 areas. Over the past year he has been working cloely with the Amsterdam based subsidiary in the development of the ICAAP/ILAAP and SIRA Frameworks.

He is also responsible for the implementation of an EMEA Risk Governance framework, this involves him working closely with the Regional offices to ensure that there is a standardised and efficient Risk Framework across the region.

 

John Wertheim

Chief Risk Officer

EFG PRIVATE BANK

John is a Risk and Finance professional with over 20 years banking and cross-functional experience, with deep expertise in Risk Governance and Operational Risk Management.  He became the EFG Private Bank Chief Risk Officer in October 2015.

John trained as a chartered accountant and held Finance Director/CFO and Financial Controller positions at Citigroup and Schroders; more recently John held senior Risk Management positions as Head of Operational Risk at Citigroup and as Head of Operational Risk and Head of Risk Governance at Morgan Stanley.

He has deep subject matter expertise across Risk and Finance, with an extensive knowledge base across financial services.  Throughout his career John has specialised on regulatory-related projects, developing experience in meeting regulatory requirements and expectations in a comprehensive, pragmatic manner and achieving constructive working relationships with regulators. John is also a leader in operational risk management, having obtained the first regulatory approval in the UK to use the Advanced Measurement Approach for Operational Risk.

John has a B.Sc (Hons) in Economics and Accounting from Bristol University and is a UK Chartered Accountant by training, having qualified with KPMG.

 

Clémentine Marie

Risk Quantification and Modelisation Expert

ELSEWARE

Clementine is an engineer with 10 years experience in risk management.
She is passionate about methodology, risk quantification and modelisation.

She implemented the risk framework and managed risks for the first home loan project at ING Bank France. She worked for BNP Paribas in France, and in the energy industry for PG&E in the US before joining MStar Risk Modelling in 2017.

 

Advisory Board

Jason Forrester

Managing Director, Head for Enterprise and Operational Risk Management

CREDIT SUISSE

Jason Forrester is a Managing Director of Credit Suisse in the CRO division and is based in London. He is Head of Enterprise & Operational Risk Management and of CRO Change. Prior to this role Jason was Head of the Capital Management Function, EMEA Regional CFO, and as a member of the CSi/CSSEL Board. Previously, Mr. Forrester was in the CRO division as Head of Risk Analytics & Reporting and member of the CFO division Management Committee. He served as a member on the Managing Director Evaluation Committee (MDEC) during 2009, 2010, 2011 and 2012.

Mr. Forrester joined Credit Suisse First Boston in August 1999 from PricewaterhouseCoopers (PwC), where he worked in the financial services audit and business advisory practice. He moved on to New York in 2004 and relocated to Singapore in 2007 where he stayed until end of 2011.

Mr. Forrester holds a degree in Management & Computer Science from the University of Aston and is a Fellow of the Institute of Chartered Accountants in England and Wales.

 

Paul Neale

Head of Operational Risk

MIZUHO INTERNATIONAL

Paul is currently Head of Operational Risk Management at Mizuho International plc, having joined the firm in 2014.
Immediately prior to joining Mizuho, Paul spent several years running a change programme within Treasury at RBS, supporting the safety and soundness agenda in the aftermath of the financial crisis. Preceding RBS, Paul held regional head of Operational Risk roles at both Macquarie Group and JP Morgan as well as having run Product Control, Financial Control, and project teams across various investment banks. Paul is a member of the Institute of Chartered Accountants.

Rajat Baijal

Head of Enterprise Risk

CANTOR FITZGERALD / BGC PARTNERS

Rajat Baijal is the Head of Operational Risk & Control for Cantor Fitzgerald. He is responsible for designing and embedding a robust Operational Risk Framework across the banking/brokerage institution. This includes articulating and implementing a robust Risk & Control Self Assessment (RCSA), Risk Event Management and ICAAP process. Rajat has an MBA in Finance and has previously worked for Lloyds Banking Group and Aviva specialising in global implementation of their Operational Risk Framework.

Ariane Chapelle

Adjunct Professor

UNIVERSITY COLLEGE LONDON

Dr. Chapelle is Honorary Reader at the University College London for the course "Operational Risk Measurement in Financial Institutions" for the Department of Computer Science. She studies banking regulations since the 90s and is active in Operational Risk in the banking sector since 2001. She holds regular columns on risk.net and is a member of the editorial Board of the Journal of Operational Risk. Her firm, Chapelle Consulting, has been appointed in 2017 on the Skilled Persons panel of the FCA and the PRA for Operational Risk.

Danny Frost

EMEA & APAC Regional Head of Operational Risk Management

AIG INVESTMENTS

Danny Frost joined AIG in June 2015, and currently serves as AIG Investments' Regional Head of Operational Risk for EMEA and APAC.
Prior to joining AIG, Mr Frost held several roles within Investment banking, managing Derivative Operations, Middle Office and Prime
Brokerage functions. Mr Frost spent nineteen years of his career at Credit Suisse and most recently held the positions of Global Head of
Operations New Product Approval and Global head of Line Risk Management for Collateral, Clearing, Valuations & Liquidity.

Sam Lee

Head of Operational Risk

SUMITOMO MITSUI BANKING CORPORATION

Sam Lee is Head of Operational Risk, EMEA for SMBC. He has previously been head of operational risk at RBS, Barclays Wealth and Credit Suisse Private Banking and has ridden a number of the industry's challenges. Sam started his career training as a chartered accountant and left the profession immediately after qualifying and entered the world of investment banking as an internal auditor before moving to operational risk and initially setting up the operational risk framework and department for CSPB - He has stayed with Operational Risk ever since and has been focused on the embedding and transformational aspects of Operational Risk.

Christian Hunt

Head of Compliance & Operational Risk Control EMEA

UBS

Christian Hunt is the Global Head of Compliance & Operational Risk Control for Asset Management and Global Head of Compliance & Operational Risk Control for EMEA at UBS.

Prior to joining the Firm, he was Chief Operating Officer of the Prudential Regulation Authority (“PRA”), a subsidiary of the Bank of England. The PRA is responsible for the prudential supervision of deposit takers, insurance firms and designated investment firms in the UK. Christian previously held the position of Head of Department at the PRA (and before that its predecessor organisation the FSA) responsible for the supervision of international systemically important banks.

He has also run a London based family office which managed hedge funds and was active in private equity. Prior to that he was a Director in Investment Banking at Deutsche Bank. In addition to his corporate finance responsibilities, Christian also ran the Chairman’s Office and spent two years on secondment at the UK Takeover Panel, regulating takeovers and mergers. He began his career at Arthur Andersen, is a Fellow of the Institute of Chartered Accountants and holds an MA from the University of Oxford.

Veronica Lazenby

CAO & EMEA Head of Operational Risk

BNY MELLON

Veronica Lazenby is the EMEA Risk Chief Administrative Officer and Head of Operational Risk for BNY Mellon.

Veronica joined BNY Mellon in Sept 2014. Prior to joining BNYM she was a Managing Director at Barclays and held positions as the Operational Risk Director for their Personal and Corporate Banking division and prior to that the Group Head of Operational Risk Assessment, Methodology and Measurement.

Veronica has also held senior risk management and business roles at Royal Bank of Scotland and Schroder Investment Management, where she was the COO for Global Trading. She began her career as a management consultant at Andersen Consulting advising Financial Services clients including the London Stock Exchange, Barclays, CSFB and Prudential.

Outside work Veronica enjoys spending time with her young family, running and if she can find the time reading a good thriller or practicing her skills for the Great British Bake Off.

 

 

Paul Kelly

CCO Europe- GCCO Office

HSBC

Paul joined HSBC in July 2013 as a Managing Director within Operational Risk.

Prior to joining HSBC, Paul was an Executive Director with JPMorgan in their technology division, and prior to this he had a successful career in the Royal Air Force where he held a broad range of senior leadership, engineering management, risk analysis and policy development roles before retiring as a Wing Commander. Significant appointments included: Officer Commanding Engineering and Logistics Wing RAF Benson, UK Strategic Defence and Security Review, Senior Engineer UK Chinook Force. Paul has seen active service in Northern Ireland, the Balkans, Arabian Gulf, Africa, and Afghanistan, he is a Graduate of United Kingdom Advanced Command & Staff Course at the UK Defence Academy, a Chartered Engineer and Fellow of the Royal Aeronautical Society. And it is this background, that Paul believes gives him a thorough grounding in active risk management.

In his spare time, Paul enjoys hillwalking, and other outdoor sports with his wife and three children.

 

Steven Portway

Group Head of Operational Risk Framework, Policy and Conformance

BARCLAYS

Steve is Group Head of Operational Risk Framework, Policy and Conformance at Barclays and has over 25 years experience in the financial services. In his current role he leads a team which provides challenge and oversight on risk taking by support Functions. He has expertise in developing and enhancing operational risk frameworks and brings together the wide range of experience in risk, operations, technology and change management matters to achieve the effective risk management.