7th Annual Risk EMEA 2018

Ruth Wandhöfer

Managing Director / Global Head of Regulatory & Market Strategy, Citi

Ruth Wandhöfer is a regulatory expert in the field of banking and one of the foremost authorities on transaction banking regulatory matters. Ruth’s key responsibilities include driving regulatory and industry dialogue and developing product and market strategy in line with the evolving regulatory and innovation landscape.

Ruth chairs a number of influential industry bodies such as the Global Public Policy and Regulatory Affairs Committee of BAFT and the BAFT Innovation Regulatory WG, the European Banking Federation Payments Regulatory Expert Group and the European Payments Council (EPC) Payment Security Group. She is also a board member of the EPC and the EBA Association, a member of the European Commission Payment Systems Market Expert Group (PSMEG), a member of BAFT’s Global Innovation Council, a member of the European Biometrics Advisory Council and a member of the UK Payment Systems Regulator Payments Strategy Forum.

In her spare time she mentors FinTech start-ups in London and the US, while pursuing a PhD on blockchain/distributed ledger technology in relation to financial market infrastructures.

Ruth was named as one of 2010s ‘Rising Stars’ by Financial News; named in Management Today’s 2011 ‘35 Women under 35’ list of women to watch (Sunday Times), and one of the 100 Most Influential People in Finance 2012 as named by Treasury Risk Magazine. In 2015 she was the recipient of the ‘Women in Banking and Finance Award for Achievement’ and in 2016 she was on the global ‘Women in Fintech Powerlist’ of Innovate Finance.

She speaks five languages (EN, DE, F, ES, IT) and has completed studies in various countries, including an MA Financial Economics (UK), an MA International Politics (FR) and an LLM in International Economic Law (UK). She published two books: “EU Payments Integration – the tale of SEPA, PSD and other Milestones along the Road” (2010) and “Transaction Banking and the Impact of Regulatory Change: Basel III and other challenges for the global economy” (2014), both Palgrave MacMillan. She occasionally lectures at Queen Mary London School of Law

Michael F. Spitz is a Director in Commerzbank’s Frankfurt Office and CEO of the Main Incubator GmBH, with 20 years’ experience in the Corporate & Institutional Banking domain. He has worked across a range of industry sectors in Western and Eastern Europe, North America and Asia. Michael is Co-Head of Commerzbank’s Blockchain Lab team.

Mariana Gomez de la Villa (1979, Mexican nationality) has joined ING in 2015 and is currently the global head of ING’s Blockchain program, with overall responsibility for driving research, development and deployment of Distributed Ledger Technology as well as capitalizing on its potential in order to unlock mass-scale value.

Under Mariana’s leadership, the Blockchain program has delivered over +30 proofs of concept in collaboration with the following business areas: payments, trade finance and working capital solutions, financial markets, post-trade, bank treasury, lending, compliance and identity.

Mariana is also responsible for setting up long-term purpose and vision, including the governance of the program within the organization. Mariana is an active leader in global consortia, outlining the Distributed Ledger Technology strategy and envisioning market landscapes.

Mariana’s accountabilities include the definition of products, services and business models, as well as foresight to business, technology, leadership communities and international stakeholders, including regulators.

Lee Braine, from the Investment Bank CTO Office at Barclays, has a deep interest in technology innovation. His current focus is distributed ledgers, blockchain and smart contracts. He represents Barclays Investment Bank on several distributed ledger consortia and is the co-author of academic papers on smart contracts. His background is in investment banking, clearing and settlement, stock exchanges, corporate banking, payments, and wealth management. He has a PhD in Computer Science.

Adrian is Deputy CEO and SM4 at Agricultural Bank of China, UK, Limited, with specific responsibilities for Risk and Compliance. He was formerly CRO at the National Bank of Abu Dhabi, London Branch and has held senior risk management positions at UBS and Merrill Lynch. His 25 years in the banking industry have included credit management roles covering most geographies,  wholesale and investment banking and Wealth Management products, and a diversity of  client categories from Hedge Funds to Multinational Corporates, and has included management jobs in London and Tokyo, and with HSBC, Deutsche Bank and Fuji Bank.

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.

As of August 2017 Dr. Ebbe Negenman is a member of the executive board and Chief Risk Officer of Aegon Bank in The Hague (The Netehralnds). In that he is responsible for the risk and compliancy functions of the bank. Previously he fulfilled the position of head of Regulatory Risk at ABN AMRO Bank where he was responsible for Model Risk, Model Validation, the Risk Policy setting, the Risk Governance Office, and for the 2nd line on the risk regulatory compliancy. Previously Ebbe hold senior management positions at various places within ING Group. In Hong Kong Ebbe was overlooking the investment risk of the ING Life entities in the Asia and Pacific region. Before that he was the senior managing director Market Risk of ING Real Estate, at that time one of the largest real estate companies in the world. Ebbe started his career in Asset and Liability Management at MeesPierson in Amsterdam. Ebbe has a PhD In Operation Research and a Masters’ in Mathematics as well as a Masters’ in Econometrics.

Philip is Wealth CRO for Barclays. He joined Barclays in June 2015.

Philip has worked in the financial markets since 1985 and has held a number of positions in risk management. Prior to joining Barclays he was Chief Risk Officer for Columbia Threadneedle and prior to which he Head of Risk at UFJI London. Philip published one of the first books on VAR: Implementing Value at Risk, Wiley, 1998.

James Coulson joined Credit Suisse as Chief Compliance Officer UK & EMEA in March 2015 and is now the Chief Compliance Officer for Credit Suisse International and Credit Suisse Securities Europe Limited.  Prior to joining Credit Suisse, he held a succession of roles over 18 years at Société Générale in London, more recently as Chief Operating Officer of SG London from 2006 and subsequently as Head of UK Group Compliance and Global Markets Compliance from 2010.

James has an Honours degree from Oxford University and spent the first 7 years of his professional career serving as an officer with the British Army Gurkhas prior to moving into the City. James is married and has three teenage children.

Nasreen is the Chief Risk Officer for UBS Asset Management. She is responsible for independently monitoring and measuring Credit, Market, Liquidity, Compliance and Operational risks. She is a member of the UBS Asset Management Executive Committee and the UBS Group Risk Executive Committee where she participates in shaping business strategy and influencing the future direction of UBS Asset Management and Group Risk Control.

She joined UBS in 1999 and prior to the current role was the Group Head of Market Risk.

Nasreen has a BSc in Actuarial Science and an MSC in Mathematical Trading and Finance.

Richard Blackburn is Chief Risk Officer, GBM and Global CMB. Richard re-joined HSBC in February 2016 from GE where he had served as Treasurer for its financial services businesses in EMEA and all lines of business in APAC.

Between 2006 and 2012, Richard served in a number of roles within HSBC, including Chief Financial Officer for Global Markets, Head of Global Markets Asset & Liability Management, Head of Covered Bond & ABS Issuance.

In the previous 16 years, Richard held various senior treasury positions across consumer banking, asset management, insurance and life assurance businesses.

Richard graduated as a Materials and Aeronautical engineer and holds Diplomas in both Treasury Management and Industrial Studies. He is a Fellow of the Association of Corporate Treasurers and a former member of the Prudential Regulation Board of the Association for Financial Markets in Europe (AFME).

Chief Risk Officer, Commercial Banking Risk, Lloyds Banking Group

Joined Lloyds: July 2012

Skills and experience: An experienced leader with deep expertise in portfolio management, treasury and risk management and in leading and building large multi-disciplinary global teams. Andrew joined Commercial Banking in 2012 to lead and develop the portfolio management function. He has an MSc in Economics and Econometrics.

During 2014 Andrew led Client Asset Management and was a member of the Commercial Banking Management Group. He was responsible for allocating capital and balance sheet capacity to improve return on capital, managing core lending products, and relationship managing and disposing of all non-core and non-strategic assets. The team developed the performance management framework for Commercial Banking and built a leading client analytics and insight capability.

In 2016 Commercial Banking was awarded credit portfolio manager of the year in the prestigious Risk awards, recognising the transformation in portfolio management over the previous three years.

Andrew joined Commercial Banking Risk in September 2017 as the Chief Risk Officer, which is the Risk-arm of the Commercial Banking division. His team sit within the Risk Division of Lloyds Banking Group.

The team provide robust Risk advice and assessment on a range of lending to UK businesses – from the smallest businesses in SME through to FTSE 100 businesses in Global Corporates and Financial Institutions.

Former appointments: Andrew spent 10 years at Barclays in a variety of roles in portfolio management, risk and treasury. He was a voting member of a number of committees including Group Credit Committee. Prior to that he worked in Abbey National Group and consultancy.

Sue Kean was appointed to the Executive Committee of Old Mutual Group Plc, in January 2012 as the Chief Risk Officer for the Group.  Old Mutual is a FTSE 100 financial conglomerate, operating in South Africa, Europe, the US and a growing emerging markets business, with particular focus on Africa.  Old Mutual is currently undergoing a strategy of “Managed Separation” which will place each of the four businesses into their relevant markets and wind down the current group structure.

Sue is a Chartered Accountant, with nearly 30 years’ experience in insurance and financial services. After several years with PwC in a variety of audit and consultancy roles, she worked for the regulator (FSA) shortly after it was first established. She then held a series of senior risk and capital management roles in Aviva, Insurance Australia Group and Friends Provident before joining Old Mutual.  Throughout her career Sue has also been active in a number of industry bodies most notably the European CRO Forum and the European insurance trade bodies.  She also maintains close links to her former regulatory colleagues through the various European and international regulatory bodies. She regularly speaks at seminars and conferences on risk management or regulatory affairs.

Rodolphe Bocquet will be speaking at the Risk EMEA Summit

Xavier Bellouard is Managing Director of ActiveViam and one of its co-founders. Based in London, Xavier manages the UK operations and oversees the commercial efforts of the company across EMEA and Asia/Pacific. Before founding ActiveViam, Xavier was a key contributor to the development of Summit Systems, a software vendor of applications for front-office operations and trading desks.

Xavier is passionate about the contribution that ActiveViam’s technology can make to the bottom-line of companies operating in highly demanding and complex markets. “Our bottom-up, experience-driven approach to innovation is a fundamental component of the company’s DNA. Since ActiveViam was created in 2005, we have valued it as a prerequisite to delivering cutting-edge technology to our clients”.

Dan has over 15 years’ experience, predominantly focussed in technology audit across Financial Services, including senior roles at EY, Lloyds Banking Group and the Royal Bank of Scotland. Dan’s current role is leading the Technology, Change and 3rd Party risk team within Operational Risk in Standard Life. These roles have led to hands on experience of on site 3rd party reviews through to developing oversight frameworks and understanding the risk profile associated with the emergence of new technologies and regulations in areas such as cloud technologies and data privacy regulation.

Rory Conway is the Chief Compliance Officer for MetLife’s Europe, Middle East and African (EMEA) operations. Rory assumed this role in January 2016 and also serves as Chief Compliance Officer for the MetLife European Union Holding Company. He is a member of the EMEA Executive Leadership team.  Prior to his current role in EMEA, Rory was Head of Compliance for Metlife Western & Central Europe.

Rory qualified as a Barrister to the Irish courts in 1996 having achieved a Bachelor of Law degree from University College Dublin and a Masters at Law from  Queen’s University Belfast before this.  He has worked in legal, risk and compliance roles in the financial services arena for over eighteen years.  His roles have included Area Compliance Officer for HSBC’s operations in Ireland and head of Legal for Dresdner Bank’s Irish business.

Rory’s experience includes a significant amount of international exposure. Prior to joining Metlife in July 2014, he was Chief Risk Officer for Standard Life International where he had responsibility for the risk, compliance and legal departments of an international business with branches in Asia and Head of Compliance for Aviva Europe where he led the compliance function which operated in 11 European markets.

He has a very strong regulatory background and lectures on Corporate Governance and other legal and compliance matters at the law Society of Ireland. He has liaised with the Central Bank of Ireland on behalf of his employers on matters of business and policy for a decade and a half.

Philip has been part of the Group Strategy team at Lloyds Banking Group since 2013. The team leads strategic projects across the Group, including the strategic update announced in February 2018. One of Philip’s main responsibilities is maintaining a strong link between the Strategy and Risk teams by working together on stress testing and other projects.

Mariana Gomez de la Villa (1979, Mexican nationality) has joined ING in 2015 and is currently the global head of ING’s Blockchain program, with overall responsibility for driving research, development and deployment of Distributed Ledger Technology as well as capitalizing on its potential in order to unlock mass-scale value.

Under Mariana’s leadership,  the Blockchain program has delivered over +30 proofs of concept in collaboration with the following business areas: payments, trade finance and working capital solutions, financial markets, post-trade, bank treasury, lending, compliance and identity.

Mariana is also responsible for setting up long-term purpose and vision, including the governance of the program within the organization. Mariana is an active leader in global consortia, outlining the Distributed Ledger Technology strategy and envisioning market landscapes.

Mariana’s accountabilities include the definition of products, services and business models, as well as foresight to business, technology, leadership communities and international stakeholders, including regulators.

Jon is Deputy head of Operational Risk Management & Analysis (ORMA) and has oversight of all aspects of the firm’s operational risk management program. He co-chairs the EMEA operational Risk Committee and also serves as a member of the Firmwide New Activities Committee, Risk Governance Committee, Credit Policy Committee, Goldman Sachs International Bank Risk Committee, Securities Division Automated Trading Controls Committee.

Jacqueline Johnson, Ass. Partner in EY, leading the EY Nordic Cybersecurity practise for financial services.
Previous Head of IT security, CISO office Nordea Bank for 7 years. Strategic and performance focused leader with 18+ years of experience with information security, dealing with technical, organizational, business and legal aspects to implement strategic decisions. She has a background as executive MBA from London Business School, Master of Law, Master of Political Science, bachelor of system development and a number of certifications related to IS.
Jacqueline is well known presenter at large events in Davos 2018, Gartner Security Congress, Forrester Security Congress and ISF World congresses.

Maciej Lewandowski is a seasoned banking professional with 20+ years of experience ranging from financial control, credit risk management to corporate banking, derivatives and fixed income.

Currently (since June 2014) he is working in ECB Banking Supervision (aka Single Supervision Mechanism – SSM) as Head of Section & Joint Supervisory Team (JST) Coordinator, responsible for consolidated supervision of one of the largest Dutch banks. As JST Coordinator, he leads risk identification and implementation of risk-based and forward-looking Supervisory Examination Program. He took part in the start-up phase that included recruitment as well as fine-tuning of tools and processes. He is responsible for the international team of experts located in Frankfurt and Amsterdam.

Prior to joining ECB, Maciej worked in various roles in a number of banks: PKO Bank Polski 2008-2014 (Head of Credit Risk Assessment Department, member of Bank’s Credit Committee, Advisor to CEO), HSBC 2008 (Head of Structured Finance) and Citi in Poland and Hungary 1996-2008 (Debt Capital Markets, Derivatives Sales, Financial Control).

Maciej has graduated from Warsaw School of Economics and holds a Master Degree in Banking and Finance.

Russell joined zeb in 2017 as Partner in the Practice Group Strategy and Organisation and is based in London. Prior to joining zeb, he held Partner positions at KPMG UK for 5 years and PwC/IBM (London, NY, Tokyo, Melbourne) for 15 years and has 7 years of experience at Lloyds Bank and RBC (NY and London).

Russell has extensive experience in leading and managing regulatory change and business transformation projects in FS and other industries. He is one of the leading UK experts on enterprise conduct risk having led multiple projects and initiatives including setting up of bank wide CR frameworks, business model reviews, product and sales investigations and remediation. Russell is responsible for zeb’s fintech and regtech practice in UK and works closely with zeb’s own fintech zeb.control.

Vikas is a creative technologist and Fin-Tech enthusiast currently working for ING Bank in the Netherlands. His multinational experience with diverse technology, consulting, and financial services organizations and background in engineering, IT and Finance, enables him to bring a unique focus to current and emerging challenges facing the financial industry.

Erkin is an experienced professional with extensive Financial Services experience focused on Banking and Capital Markets and is responsible for leading the Finance as well as Enterprise and Financial Risk areas at BCS Consulting. He has a proven track record of client engagement delivery to resolve critical issues for senior leadership of global Financial Institutions, including HSBC, Morgan Stanley, RBS, Deutsche Bank, Nomura, Willis, The Hartford Financial Services Group. Erkin’s recent work has been focused on alignment of Financial Planning and Stress Testing around a balance sheet-driven process.

Richard has extensive experience of working with financial institutions throughout the world, assisting companies in managing enterprise risk more efficiently while addressing local regulatory guidelines and standards.  As well as being the founder and CEO of Governor Software, Richard is currently an Independent Non Executive Director at both PermanentTSB Bank plc and JP Morgan Fund Administration ltd.

Prior to Governor Software, Richard has worked in various senior banking, insurance, credit and market risk roles at Wolters Kluwer Financial Services, ABN AMRO, Bain, COMIT Gruppe and Quay Financial Software.  He has analysed, designed and managed the development of core treasury and enterprise risk management systems for large financial institutions, including UBS, Citibank, Schroders and Unicredito.

In 2009, Richard was recognised as a “Top 50” Face of Operational Risk by Op Risk & Compliance magazine and was a contributing author to two books on risk management.  He is also a board member of the Governance, Risk and Compliance Technology Centre which focuses on research in the area of financial services governance, risk and compliance. Richard has also received the designation of ‘Certified Bank Director’ by the Institute of Banking.

Andrew is Head of Strategic Risks at RBS in London, where he is responsible for horizon scanning and contingency planning for top and emerging risks. These range from preparing for Brexit outcomes to managing the financial impact of new technologies. A key focus for him is ensuring risk management frameworks and capabilities adapt to reflect the threat of business model disruption from fintech. He has spent a number of years managing macro insight and framework teams, in particular in country risk. He trained as an economist, having studied Economics and Politics at Exeter University.

Nicole Sandler is a lawyer in SSCOO Legal at barclays. She focuses on the impact of Fintech related regulation and initiatives including cryptocurrencies on Barclays in the UK and globally, such as advising on various sandbox and regulatory initiatives proposed by regulators and policymakers including the FCA, MAS, CFTC, Fed, EC and Japanese FSA.  Nicole engages with regulators and policymakers globally for Barclays including chairing a meeting with the Fed and sitting on panels with the FCA.  Further she represents Barclays in various regulatory and policy forums and industry groups. For example, Nicole is a member of the FMLC Technology Scoping Group at the BoE, the JWG RegTech Council, the UK Finance Digital Strategy Finance Group and also represented Barclays at the EDCAB virtual currency and blockchain roundtables at the European Parliament.   Nicole regularly speaks on panels and presents at conferences and was recently shortlisted as a finalist for a WeAreTheCity Rising Star Award in Fintech and is on the Innovate Finance Women in Fintech Powerlist 2017.

Ville leads Nordea Bank’s distributed ledger and blockchain core development and research team. He has more than fifteen years of experience in digital financial services and has held several key positions worldwide in financial services and connected devices industries. Before joining Nordea Ville was the head of strategy for Ericsson’s digital financial services unit, a global leader in interoperable e-money and mobile wallet solutions.

Michael F. Spitz is a Director in Commerzbank’s Frankfurt Office and CEO of the Main Incubator GmBH, with 20 years’ experience in the Corporate & Institutional Banking domain. He has worked across a range of industry sectors in Western and Eastern Europe, North America and Asia. Michael is Co-Head of Commerzbank’s Blockchain Lab team.

Kasper Sylvest currently serves as Head of Danske Banks Financial Markets Infrastructures. In this role he acts as an expert in payments, cards and digital ID. Kasper is a member of a number of international foras such as board member of Mobeyforum, co-chair of the predictive analytics WG at MobeyForum, vice-chair of the forum for Pan-European P2P and many others. Before his current position Kasper has worked as an (IT) project manager in Danske Bank and before joining Danske Bank he worked for 7 years as an economist in the Payment Systems Department in the Danish Central Bank. Kasper holds an M.Sc. in Economics.

Kaivalya Vishnu is the regional EMEA & APAC lead for liquidity risk technology at Bank of America Merrill Lynch. Based in London, he is responsible for providing technology solutions to support Corporate Treasury Liquidity Management and Data Management functions. He & his team is accountable for the implementation of technology platforms and tool sets to source data and deliver analytics and reporting capabilities to meet business and regulatory demands. He has been leading various initiatives to build Corporate Treasury’s strategic next generation data & analytics platform that will standardize the reporting & data framework, operational work flows and data governance while meeting the obligations under regulations such as Basel III / CRD IV (LCR, NSFR, ALMM, Delegated Act), Fed 5G, Stress Modelling & Internal Management reporting.

Kaivalya is a technology executive with 20+ years of rich diversified experience in designing & delivering technology solution across various industry sectors. Prior to BAML, he had held various positions at firms such as Barclays Capital, RBS, Standard & Poor’s, Fitch Ratings, Samsung Corporation & Lucent Technologies across locations in UK, USA, India and South Korea. He has built up his career specializing in technology development & management that helps businesses maximize their return on technology investment by adopting the best practices in business technology integration, Program Management, Global delivery framework, Business Analysis and an optimal people-process-technology operating model.

Kaivalya holds an executive MBA from Cass Business School, London and Masters in Computer Science from Allahabad University, India. He is also a visiting faculty at Cass Business School, London and has co-authored a couple of papers published in academic/management journals.

Robert White is Santander’s director of payment industry oversight.  With over 18 years’ experience at Abbey National/Santander his responsibilities include overall governance and control for payment and card operations across the UK bank, as well as defining the strategy for the interbank and cards environment.  Prior to Santander, Robert worked for Manchester Airport plc, developing the business model for the terminals business strategy.
Robert is also a director of Bacs Payments Schemes Limited, Faster Payments Scheme Company and Mobile Payments Service Company.

Liv A. Watson is a Senior Director of Strategic Customer Initiatives at Workiva Inc. Watson currently serves as Chair of the Institute of Management Accountants (IMA) Technology Trends Subcommittee, member of the Institute of Chartered Accountants in England and Wales (ICAEW) Sustainability Committee, member of the Global Reporting Initiative (GRI) Technology consortium, and an active member of the XBRL International Funding Task Force. She has published numerous articles for international publications and journals, including Harvard Business Review and Strategic Finance, The Washington Post, Financial Times, Business Week, InformationWeek Wall Street & Technology, and CFO Magazine. Liv is also the co-author and contributing author to several books, including XBRL for Dummies as well as Governance, Risk, and Compliance Handbook published by Wiley.

Ben works in a team of engineers and innovators looking at emerging technologies and their application across RBS to reduce costs, gain efficiency and better customer experiences. His current focus is on the application of distributed ledger technology, including blockchains, across RBS.

Rajiv has over 20 years of investment banking experience managing risk, regulatory and technology transformation programmes. He has successfully delivered large change programmes building strong relationships with stakeholders while developing, managing and leading high impact teams across geographies. He has also developed a leading vendor technology solution providing trading, risk management and financial & physical settlement for trading energy products.

Richard is currently Head of Capital Management at HSBC.
Richard spent the majority of his career in Product Control, first at Credit Suisse and then at HSBC. He was Global Head of Product Control at HSBC from 2008 to 2016.
He joined the HSBC Capital Control team in 2016, and became Head of Capital Management in 2017. He focusses on capital planning, forecasting and stress testing, and capital efficiency.

Steve is Risk Director in Lloyds Banking Group with responsibility for regulatory capital, risk appetite and regulatory change.  Steve has over 30 years experience in the banking industry encompassing; Retail Banking, Wholesale Banking, Risk Management, Internal Audit and Regulatory Capital.  Steve is the accountable executive for LBG’s Basel III / CRD IV programme.

Dan joined zeb as a Principal in 2017 bringing with him a wealth of expertise in financial services consulting and client advisory, predominantly with global investment banking and asset management clients, spanning nearly two decades across three continents.
Previously a director at KPMG (in New York, London and Sydney), as well as 10 years prior experience with Accenture (London) and Deloitte (London), Dan specialises in operating strategy and vision, operating model optimisation, strategic change management, trading risk and regulatory driven change. He is regularly published in relation to the impact of European regulation on banks and asset managers.
Dan’s experience extends to project leadership across all critical aspects of financial market structures and regulatory issues such as Mifid II impact assessments and implementation schedules. It also covers a varied cross-section of large-scale projects relating to regulatory reform affecting trading controls and analysis, operating frameworks as well as stakeholder management and people strategies. In addition, his experience comprises international wealth and risk management projects. His clients have included Goldman Sachs, Bank of America Merrill Lynch, UBS, HSBC, RBS, Barclays, and Aviva among others.
Daniel holds a degree from Durham University.

Cecilia has a background in Material Physics before joining the world of finance and risk management. She has a broad experience from institutions like Bear Stearns, JP Morgan, Mizuho and Nordea where she has worked across the various risk disciplines and regulations with a focus on capital & liquidity and balance sheet management with stress testing as the favourite tool.

Dr Sebastien Geroult was appointed Head of Stress Testing Execution – Non Credit at RBS in 2016. He runs stress testing execution activities including Counterparty Credit Risk, Structured Finance and oversights Market Risk Stress Tests for regulatory exercises.  Dr Geroult held RBS senior manager positions in Market Risk-Cross assets and Risk Assurance – Markets. Prior to joining RBS, Sebastien worked in Structured Credit Trading and Portfolio management at Credit Agricole CIB. Dr Geroult holds a M.S. in Engineering and a M.S. in Computer Science. He obtained a PhD studying thermodynamic and molecular dynamic of proteins from University of London.

Thomas started his career in ABN AMRO where he worked for thirteen years.  He held roles in Market Risk and Credit Risk before moving to the front office holding a derivate sales role. His last role at ABN AMRO was Head of Treasury Capital Planning in where he was responsible for the capital plans on which the bank was re-capitalized after state-ownership of the businesses. He moved to Barclays in 2011 and became Head of Group-wide stress testing and his role expanded to include management of Capital Risk as well as owner of the Risk Appetite process of the bank. Recently he has set-up Barclays economic scenario generation capability for IFRS 9 and stress testing.

Thomas holds a Master in International Economics.

Amit has got extensive Treasury and Risk Management experience with banks across different countries. He has worked with global banks for the last 15 years and his roles have spanned a number of functions. His expertise ranges from funding and liquidity activities at the money market desk to the development of sophisticated risk management analytics, covering Liquidity, Interest Rate Risk, Funds Transfer Pricing and Asset-Liability Management. He is a qualified Chartered Accountant, CFA Charterholder and Financial Risk Manager.

Justin is a leading expert in simulation technology and artificial intelligence. Throughout his career as a serial entrepreneur, he worked on discreet assignments for a number of highly reputable national institutions and companies in places like the United States, the United Kingdom, Honduras, Kuwait, South Africa and Iraq. For more than 15 years, his work focused on helping them to understand the ways in which advanced analytics, simulation and artificial intelligence can help business, government and civic leaders to shape a better world for the next generation. He has worked as a contractor for the US Department of Defence, Bank of England, Microsoft, ExxonMobil, Apple, Humana, BP and several others. Justin has presented at Bloomberg, FT Innovate and TEDx, and has also appeared on CNBC and BBC as an expert commentator. His work has been featured in publications including Wired, The Guardian and Dow Jones.

Manuel is Manager in zeb’s Practice Group Treasury & ALM. zeb is Europe’s leading management consultancy in the financial services sector. Manuel has 8 years of experience in the banking industry. He is leading several projects related to interest rate risk management as project manager. The project topics range from business conception to implementation. In addition, Manuel is supporting the development of the comprehensive software solution zeb.control.
Manuel holds a Master’s degree in Economics from the University of Karlsruhe, Germany.

Moritz von Medem is a Senior Manager in d-fine’s Munich office and specialises in capital markets and regulation. Prior to joining d-fine he worked at Roland Berger Strategy Consultants and has more than 10 years of experience in the financial industry.

Over the last 6 years his focus has been on analysing, planning and delivering EMIR and MiFID II/MiFIR projects for banks and asset managers, designing and implementing solutions for CCP clearing, transaction reporting, collateral management, pre- and post-trade transparency, best execution, investor protection and compliance. Besides regulation he is co-heading d-fine’s Brexit initiative.

Moritz holds a Master’s degree in Mathematics from University of Cambridge, UK.

Phil joined RBS, now NatWest Markets, in January 2003 having spent the previous 11 years at HSBC.  He has spent a number of years covering a wide variety of corporate and institutional clients across a broad product range, comprising both tax optimised domestic and cross border financing and investment structures.

Phil has spent the majority of the past 5 years closely following EU bank capital regulatory developments and has participated in a number of industry wide initiatives and lobby groups seeking to influence the final outcome of the CRDIV package of proposals and latterly Solvency II.  Phil has worked on a number of bank, insurance and corporate hybrid capital transactions during this time including many new CRDIV and Solvency II compliant public market issuances.

Prior to joining the Hybrid Capital and Liability Management team in September 2010, Phil was seconded to the Non-Core Division of RBS and was part of the team that negotiated, executed and implemented the Asset Protection Scheme.

He has honours degrees in both Business Finance and Financial Services and also holds an MBA.  He is a member of Chartered Management Institute, the Chartered Institute of Bankers, the Association of Corporate Treasurers, the Chartered Institute of Securities and Investment and the Bankers Taxation Circle

Dr. Peter Quell is Head of the Portfolio Analytics Team for Market and Credit Risk in the Risk Controlling Unit of DZ BANK AG in Frankfurt. He is responsible for methodological aspects of Internal Risk Models, Economic Capital and Model Risk. Prior to joining DZ BANK AG Peter was Manager at d-fine GmbH where he dealt with various aspects of Risk Management Systems in the Banking Industry. He holds a MSc. in Mathematical Finance from Oxford University and a PhD in Mathematics. Peter is member of the editorial board of the Journal of Risk Model Validation.

Gilles Renaudière is a Senior Structurer in BNP Paribas’ Capital Products team, focussing on the structuring of banks and insurance companies’ hybrid instruments globally, as well as on the impact on financial institutions of broader regulatory capital developments.

As part of his role, Gilles liaises very closely with financial institution issuers, bond investors, rating agencies and regulatory bodies, balancing the interests of all stakeholders in order to advise his clients on optimal capital structures and the instruments available to meet the capital requirements of the new regulatory regime.

Prior to joining BNP Paribas in 2014, Gilles spent 8 years at UBS where he started his career in the Capital solutions team. He then held positions in the FIG Benelux (2005-2007) and Nordic teams (2007-2013)

Gilles graduated from Imperial College with a MSci in Mathematics and Computing, and holds a Master in Management diploma from HEC Paris

Tony Roberts joined Deutsche Bank in 2011 where he heads Group Leverage Management in Treasury. Currently he has responsibility for managing Leverage & Balance Sheet but has held a number of roles in risk, capital and advisory functions.

Prior to Deutsche Bank, Mr. Roberts spent 6 years at Standard Bank, latterly in Treasury & Capital Management, before which he worked for the Royal Bank of Scotland.

Mr. Roberts has an MA in Modern History from Oxford University.

Hanna is the Head of Risk Strategy at Bank of Ireland Group. He is responsible for developing and implementing the Group’s Risk Strategy agenda including the Group Risk Appetite Framework, Risk Measurement Policies and Standards, Economic Capital & Regulatory Capital Strategies, Loan Loss Forecasting & Stress Testing Capabilities, and providing leadership and support to important Group initiatives including Capital Allocation, RAROC, Risk-based Pricing, Portfolio Optimisation and Strategic/ICAAP planning initiatives.

Hanna is an experienced executive with over 20 years’ risk management experience, covering both strategy and pragmatic implementation/delivery of Enterprise Risk Management transformation programmes across all major industry segments in a wide number of geographic markets. He holds a specialised Master’s degree in Financial Engineering from ESSEC Business School and an MSc in Finance from the Paris-Dauphine University in France.  He has written many articles on financial risk management and is a frequent speaker at leading UK and international conferences.

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 some 20 years specialising in best practice Risk Management including Market Risk, Credit Risk, Risk Model Validation and Regulatory Risk consulting. As well as have line management responsibilities in various institutions he has also gained extensive experience in implementing Risk Management frameworks from both a technical and operating model based perspective.

At BTMU his responsibilities include the development of a Regional Risk Appetite Framework, the creation of an Integrated Stress Testing process and the standardisation of the risk governance framework across the EMEA region. He works extensively with the Head Office and other regions to develop a global framework in these areas. He is Chairman of the EMEA regional Risk Committee and a member of the EHQ Risk Management Committee.

Most recently Jeff has been involved intensively with the enhancement of the Risk Management framework in MUFG Bank (Europe). This has involved him in the formation of in Amsterdam tasked with delivering the full range of regulatory submissions (ICAAP, ILAAP, SIRA, Recovery Plan).

Frederic Zana holds several graduations in Maths and Economics from the Ecole Normale Superieure de Paris, and a PhD degree from the Ecole des Mines de Paris.
He has been responsible for economic capital models for insurance or banks for 15 years. Within the Credit Agricole Group since 2001, after 8 years at the CIB, he is now responsible of the Group capital steering, and deals with topics ranging from pillar 2 to pillar 1 or rating agencies capital measures.

David has been crunching numbers for over 25 years in the worlds of engineering and finance. He spent numerous years at KBC Group, first as a model validator (Basel 2/ Solvency 2), then as the head of KBC’s Group-wide risk modelling team.

He teamed up with the ICT/Finance experts at Credo in 2015 to be able to actively contribute to Credo’s software platform for Finance (IFRS9/17/16) and Risk (Basel IV) calculations. He is also heavily involved in projects related to big data and machine learning for marketing purposes.

David holds a PhD in computational physics, co-sponsored by the von Karman Institute (VKI/NATO) and the Catholic University of Leuven, Belgium

Giorgio Baldassarri is Global Head of the Analytic Development Group (ADG). His team is responsible for the analytical development, maintenance and on-going validation of all credit risk models and products across Risk Services. These products are used by financial institutions and companies to measure and manage credit risk within regulatory frameworks such as Basel II/III or Solvency II. Prior to joining S&P Global Market Intelligence in 2011, Giorgio worked at Barclays for three years as Associate Director in Group Risk (Operational Risk and Credit Risk). Giorgio holds a Ph.D. in Quantum Mechanics and Semiconductor Physics from Sapienza University of Rome.

Emilie is Head of Business Development at Beyond Ratings. She started her career in asset management before moving to consulting. She has worked for CSC-Peat Marwick and then Kurt Salmon as strategic and organizational consultant. She is specialized in investment banking and securities services for which she developed a dedicated service offer. Emilie graduated from Ecole Supérieure de Gestion de Paris.

Assad Bouayoun is a senior XVA Quantitative Analyst with more than 15 years’ experience in leading banks. He has designed industry standard hedging and pricing systems, first in equity derivative at Commerzbank, then in credit derivatives at Credit Agricole, in XVA at Lloyds in Model Validation at RBS in Model Development. Assad has an extensive experience in developing enterprise wide analytics to improve the financial management of derivative portfolios, in particular large scale hybrid Monte-Carlo and Exposure computation. Assad is currently building the prototype of a new XVA platform integrating cutting-edge technologies (GPU, Cloud computing) and numerical methods (AAD) to enable fast and accurate XVA and sensitivities computation. He holds a MSc in Mathematical Trading and Finance from CASS business school and a Master in Applied Mathematics and Computer Science from Université de Technologie de Compiegne.

Christian Duesterberg is Head of Risk Methods and Models for Erste Group Bank AG and in this function responsible for risk measurement across Erste Group and Co-Sponsor of Erste Group’s IFRS9 Programme. His department develops the methodologies required within IFRS9 implementation for provision quantification and exposure classification, and the organization of the associated calculation processes. Prior to joining Erste Group in late 2013, Christian worked for more than 14 years in various roles for Deutsche Bank, Royal Bank of Scotland and Barclays covering Corporate Finance, Risk Model Development & Validation and Basel II/III implementation.

Phil Headley, Managing Director, is responsible for the Regulatory Reporting requirements of Mizuho International plc, specifically in relation to local CRDIV/V, Group and business planning requirements. Phil joined Mizuho in 2011, prior to that held senior finance roles at RBS, ABN AMRO and Bank of America. Phil qualified with EY London.

Stephen joined Deutsche Bank in July 2016 as Head of Credit Risk Platforms. In 2017 he was asked to take on the role as Head of Credit IT Risk with global responsibility.

Stephen has always been inspired by technology and obtained his first PC at the age of 11, going on to study Business and Computing at university. His first job in technology was during his university placement year at an IT outsourcing firm, where he was a junior project manager implementing a global pharmaceutical platform for AstraZeneca. Having learned to program in his spare time, he then utilised his contacts in the IT outsourcing firm and built a global issue management system to help manage the Pharmaceutical project. This collaboration lead to his decision to work for the outsourcing firm post-graduation.

Stephen moved into the world of finance in 2000, working for a futures trading software house where he wrote exchange drivers and real-time trade blotters for deal execution / clearing, and later was appointed to manage the firm’s global development team. His tenure at investment banks includes RBS, Barclays and now Deutsche Bank. Stephen’s experience spans Front Office (Futures, Prime Brokerage FX), Central Architecture, Finance IT, Market Risk IT and Credit Risk IT. He is very passionate about the efficiency and quality of the technology he provides to his stakeholders and believes it should be the number one goal IT strives to achieve.

Bill has worked on some major industry projects such as the DTCC Trade Information Warehouse and the SwapClear Murex migration. In addition to being a strong leader and contributor to projects in the OTC market he has contributed to three books on OTC derivatives and delivered training courses globally on Central Clearing.

Michalis Ioannides will be presenting at risk emea 2018

Anne Kleppe is a Senior Manager in d-fine’s Munich office and specializes in credit risk. Anne has worked with various banking, asset management and insurance clients in areas including enterprise wide risk management, ICAAP, profitability frameworks, rating model development, credit portfolio modelling, securitizations and stress testing. Anne earned a PhD in theoretical physics from University of Cambridge, UK.

Catherine Keane BSc MBA – Head of Bank and Country Risk, Bank of Ireland. Catherine was appointed to her current role in July 2010. She was previously Head of Credit and Market risk in the bank’s Global Markets division. Prior to moving into risk in 2002 Catherine held front line dealing roles in both the Trading and Sales areas in Global Markets, primarily in the structured products area and spent several years in Corporate Lending in the RBS and BOI group. She is very familiar with risk in complex instruments.

Catherine has lectured on a number of subject areas in a variety of institutions including the Institute of Bankers and Dublin City University and is currently lecturing on the Masters in Risk Management programme in Trinity College Dublin, which is the highest ranked university in Ireland.

In recent years Catherine has spoken at various industry conferences including GARP. CFP, Risk, Marcus Evans and GLC on a variety of risk related topics

John is an independent industry practitioner specialising in derivatives, collateral management and related regulation. He currently advises asset managers on responding to market and regulatory change [including EMIR, UMR and MiFID II]. Previously he worked with the sell-side developing services including derivatives clearing and collateral management. He speaks frequently at conferences as an industry expert on regulatory change as well as related impacts (operations, finance and technology). He has also worked with industry organisations including ISDA and the IA as well as many vendors and industry utilities. Prior to this he was a senior manager in Accenture’s capital markets practice for over 10 years.

Marc JS Meyer is the Chief Operating Officer for Wholesale Credit and Market Risk at HSBC having spent the majority of his 25 career to date working in financial risk management related roles.. In his current role Marc is responsible for the overall operation of the Wholesale Risk function as well as playing a significant role in strategy and transformation. Wholesale Risk are the Risk Stewards for financial risks in the wholesale businesses covering Commercial Banking, Global Banking, Global Markets and the Private Bank. Prior positions include Head of Transformation for WMR and before joining HSBC he worked in variety of roles for a leading financial technology software vendor.

Lucia McMonagle is Regional Head of Credit Risk for BNYMellon in EMEA. Apart from a 3 year stint as Global Head of Policy and Procedure and COO for BarCap’s credit risk department, her 25 year career has predominantly been focussed on the management of credit risk in retail & commercial banking, investment banking, global asset management and now custody portfolios. Prior to joining BNYMellon in 2014, Lucia was Global Head of Credit and Issuer risk for BNP Paribas Investment Management.

She is a member of the BNYM EMEA Executive Operating Committee and sits on a number of other governance and management committees for the Bank. She is currently the risk management lead on Bank’s Brexit change programme.

Fabio Perata has been working in the Financial Services industry since 1993, developing a cross-border and an extensive experience in the areas of Internal/External Audit, Business and Financial control, Risk Management, Compliance and Internal Controls, through several managerial positions hold within one French Insurance Group (UAP, today AXA), one Italian Banking/Financial conglomerate (Banca Carige), and at Ernst & Young Audit (France and Italy).

In May 2014 Fabio was appointed as Head of Section at the European Central Bank in Frankfurt, in the context of the newly created Single Supervisory Mechanism, fulfilling in particular the role of Joint Supervisory Team Coordinator for the supervision of some large institutions in the Belgian and French market, accounting among the largest and most complex banking groups supervised by the Directorate General Micro-Supervision II. Fabio has also been member of the steering committees of several relevant SSM-horizontal projects such as the Cyber Risk Thematic Review, held in 2015 and the TRIM, still on-going.

A career banker, Ian joined RBS in 1983 and has undertaken a variety of roles including branch banking, credit, training department, frontline Relationship Management and 13 years in the Restructuring division in the UK and Asia before being appointed Head of Institutional Credit. After s period serving as Interim Chief Credit Officer, Ian was formally appointed CCO in June 2017.

He is a member of the Risk, Conduct and Restructuring Executive Committee and as part of this role sits on a wide variety of committees.

Stefan Scheutzow is a Manager at Finbridge and responsible for the interpretation and implementation of current banking related regulations following Basel III. Stefan worked for several years in financial risk management covering supervisory requirements as well as quantitative risk models across capital markets and banking. Today, he is in charge of conducing impact studies for Finbridge clients on current treasury and capital markets related regulations such as FRTB and SA-CCR and develops achievable recommendations for implementation. He is also helping his clients to embed future supervisory requirements with their business strategies. Stefan would value any feedback at stefan.scheutzow@finbridge.de

Hendrik Sumpf, FRM, is a Manager at Finbridge. He is specialised in running projects that interface between functional concept work and technical implementation in financial institutions. His recent projects in regulatory reporting and risk controlling encompass implementations of new regulatory requirements in liquidity, credit, and market risk as well as the broader BCBS 239 context. Hendrik has been part of the Finbridge FRTB team since the beginning of the BCBS consultations and has given various presentations and webinars on the subject. He is also one of the lead programmers for the Finbridge FRTB Toolbox used in several change-impact studies for Finbridge’s clients. You can contact him at hendrik.sumpf@finbridge.de

Chia (ch-i-a) Tan will be presenting at risk emea 2018

Erdem has been bulding quantitative finance models for a decade. He is currently managing a quant team building credit risk models for Barclays Corporate and Invesment Bank. He has started his finance career in Morgan Stanley fixed income research. Later he has lead credit and counterparty risk quantitative research from 2010 to 2013 in MSCI, and produced risk model solutions for multinational banks. Prior to his current role, he was with BNP Paribas building cross-asset counterparty risk scenarios.

I joined Lloyds Banking Group in 2009, and since 2010 have been Head of Credit for Global Funds.  I am a senior sanctioner on Credit Committees for Commercial Banking, and sit on their Markets ExCom and Risk Committees. I sit on various working parties looking at Clearing of OTC Derivatives/Emir/Mifid/Collateral Optimisation. I was invited to the Bank of England round table on Financial Market Infrastructure in late 2016 as a BBA representative, and also to the Dutch Central Bank’s conference in June 2017 (same topic) . Prior to joining Lloyds I spent 10 years at Deutsche Bank where I was Head of Western European FI Credit.

Peter Walsh, Razor Risk, is a banker by trade (ACIB) and a qualified practitioner in managing IT intensive programmes allied to a lifetime of City-based roles and experiences. His experience and knowledge of the risk management and management disciplines helps provide clarity – and, with his background in banking, regulatory compliance and risk systems he is uniquely placed to discuss and describe how technology enablers can be deployed to deliver effective and efficient solutions in the most demanding situations, including the bewildering array of regulations and changes that will be affecting collateral, margining and associated risk management.

Dr. Cristiano Zazzara is Managing Director and Head of Risk Services Relationship Management, focusing on key market stakeholders, including C-level Executives and Regulators. He is an expert in financial risk management with more than 20 years of experience at banks, government agencies, service providers, universities and think tanks. Cristiano joined S&P Global Market Intelligence from MSCI Risk Metrics where he was the Head of Market, Credit, Counter-party Risk and OTC Clearing Business for the EMEA Banking sector and Global Head of Credit Advisory Business for Buy-Side and Sell-Side Institutions. Previously, he was Managing Director in the Research & Strategy Unit of Unicredit Group, Managing Director and Head of the Internal Rating Unit at Capitalia Banking Group and General Manager of the Italian Association of Banking and Finance (ASSONEBB). Dr. Zazzara also served as a financial economist at the Fondo Interbancario di Tutela dei Depositi, where he was the Head of the Research Department. Dr. Zazzara received a Bachelor of Science in Economics and Business and a Master of Science in Banking from Sapienza University of Rome, and a Ph.D. in Management (Finance) from the Swiss Federal Institute of Technology in Lausanne (EPFL).