
3 streams

across two days

45 + sessions
The 13th Annual

Europe’s premier risk, regulation & innovation gathering

Risk Evolve 2024
The Center for Financial Professionals (CeFPro) is pleased to announce our re-vamped flagship European event; renamed as Risk Evolve, reflecting the dynamic and progressive nature of risk measurement and management, so critical in today’s world.
Through extensive market research, including input from an Advisory Board of distinguished professionals, feedback from more 200 past attendees, and up to 60 one-on-one research calls, Risk Evolve is unique in its offerings. The program addresses a diverse range of critical themes and topics, including 4 keynote and plenary panel discussions, as well as 3 interactive work streams with 45+ sessions to select from.
Add an exceptional speaker faculty of over 80 industry professionals, including C-suite and heads of risk, Risk Evolve is a must attend for any risk professional looking to gain invaluable insight, advance their knowledge and gain competitive advantage. Packed with interactive panel discussions, presentations, Q&A’s and networking opportunities, Risk Evolve is perfect for risk professionals, and their teams, to attend.
Sign up for the latest updates




Risk Evolve by numbers
Over 45 sessions across 3 interactive workstreams:
REGULATION & GLOBAL VOLATILITY
LIQUIDITY RISK | DEPOSITS | CONCENTRATION RISK | INTEREST RATES STRATEGY | IRRBB | ECONOMIC STRATEGY | SCENARIO ANALYSIS
NON-FINANCIAL RISK: OPERATIONAL RISK & ESG
HOLISITC RISK | DIGITILAZIATION | FUTURE OF OPERATIONAL RISK | NATURE & BIODIVERSITY | ESG REGUALTION | TPRM STRATEGY | CYBER & IT RISK
ADVANCED MODELING & DATA
MODELING | AI MODELING | AI MODEL RISK | AI ANALYTICS | LARGE LANGUAGE MODELS | TECHNOLOGY LANDSCAPE | CBDC | QUANTUM COMPUTING


2024 SPEAKERS INCLUDE

Keith Davies
Group Chief Risk & Compliance Officer
Admiral PLC

Søren Agergaard Andersen
Chief Risk Officer
Nordea Asset Management

Jeremy Arnold
Chief Risk Officer
NatWest Markets

Stefena Brown
Chief Risk Officer
Legal & General

David Withnell
Chief Risk Officer
AXA

Jeff Simmons
Chief Risk Officer
MUFG Securities (Europe) N.V.

Kimmon
Kimon de Ridder
Chief Risk Officer, Insurance
Bupa

Stefano Chiralone
Chief Financial Officer, Head of Finance Italy
UniCredit

Olivier Irisson
Chief Operating Officer
Groupe BPCE

Emma Hagan
Chief Risk and Compliance Officer
Clearbank

from a diverse range of industry professionals and financial institutions

matter experts share
their knowledge
offering fresh perspectives and insights, the latest developments and
advances to advance you, and the profession.

networking opportunities
and at our complimentary drinks reception. Make meaningful career-long
industry connections to use to your professional advantage.





Managing models in a recession environment and proactive identification of changes
Below is an insight provided by Shawn ahead of his 2023 session at Advanced Model Risk USA.The views and opinions expressed in this article are those...

Collaboration of 3 LoD for effective model risk oversight
Below is an insight provided by Shawn ahead of his 2023 session at Advanced Model Risk USA.The views and opinions expressed in this article are...

Staying vigilant: 7 practical tips for ongoing TPRM monitoring
Below is an insight into what can be expected from Matt's session at Third Party & Supply Chain Risk USA 2023.The views and opinions expressed in...

Weaving AI and ML into customer experience
Below is an insight into what can be expected from Paul's participation at CeFPro's Customer Experience Summit.The views and opinions expressed in this article are those of the thought leader as an...

Gaining visibility across suppliers and subcontractors and enhancing resilience
Below is an insight into what can be expected from Sara's session at Third Party & Supply Chain Risk USA 2023.The views and opinions expressed...

Human trafficking and exploitation risk exposure
Below is an insight into what can be expected from Christopher's session at Third Party & Supply Chain Risk USA 2023.The views and opinions expressed...

Introducing layers of risk management to build a true risk program
Below is an insight into what can be expected from Eric's session at Third Party & Supply Chain Risk USA 2023.The views and opinions expressed in...

Prioritizing cyber security defenses across third parties and supply chain
Below is an insight into what can be expected from Cindy's session at Third Party & Supply Chain Risk USA 2023.The views...

Post LIBOR: reviewing impacts of transition to SOFR and impact of new rates
Below is an insight into what can be expected from Tope's session at Balance Sheet Management USA 2023.The views and opinions expressed in this article are...

Effectively managing risk and losses in the banking book in line with increasing interest rates
Below is an insight into what can be expected from Hadrien's session at Balance Sheet Management Europe 2023.The views and opinions expressed in this article...


development in risk

Agenda
9:00-9:35
ESG STRATEGY
Advancing ESG integration and strategies to maintain practices and principles
View Session Details
- Challenges with ESG data collection, quality, and reporting
- Identifying data requirements for robust ESG integration
- Exploring the evolving risk landscape due to ESG factor
- Developing scenarios for the future when historical data may not be applicable
- Integration of ESG considerations and transition risks into market risk assessments
- Preparing for future regulatory mandates for ESG reporting
- Strategies for compliance and proactive reporting practices
![]() |
Olivier Irisson, Chief Operating Officer, Groupe BPCE |
9:35 – 10:20
EMERGING RISKS – PANEL DISCUSSION
Proactive risk management and preparing for emerging risks and trends on the horizon
View Session Details
- Horizon scanning for future risks to consider
- Exploring emerging risks in the global financial landscape
- Techniques for early detection and assessment of potential threats
- Identifying gaps in resources and expertise for effective risk analysis
- Adapting change management programs to address evolving risks
- Implementing agile strategies to stay ahead in a dynamic banking environment
- Identifying regulatory change requirements across jurisdictions
![]() |
Keith Davies, Group Chief Risk & Compliance Officer, Admiral PLC |
![]() |
Stefana Brown, Chief Risk Officer, Legal & General |
![]() |
Jürgen Blumberg, COO for EMEA GS ETF Accelerator, Goldman Sachs |
![]() |
Kimon de Ridder, Chief Risk Officer, Insurance, Bupa |
10:20-10:50
Morning Refreshment Break and Networking
Stream 1: Regulation and Global Volatility
Stream 2: Non-Financial Risk: Operational Risk & ESG
Stream 3: Advanced Modeling and Data
10:50-11:25
SVB CASE STUDY
Adapting to change: The SVB case study and future of regulation
View Session Details
- Managing global uncertainty around regulation in the aftermath
- Analyzing how these regulatory shifts affect compliance, risk management, and business strategies
- Impact to smaller and medium-sized banks
- Exploring smaller and medium-sized banks’ unique challenges in complying with heightened regulatory standards
- Discussing practical approaches and strategies to navigate the evolving regulatory landscape and maintain competitiveness
- Extracting key lessons from SVB’s failure and subsequent response
- Identifying best practices and pitfalls to assist in proactive management
![]() |
Emma Hagan, Chief Risk and Compliance Officer, Clearbank |
10:50-11:25
HOLISTIC RISK
Developing and fostering a holistic risk culture across the organization
View Session Details
- Cultivating a sense of responsibility for risk mitigation among all employees
- Integrating of a risk-aware mindset from the early stages of product and process development
- Ensuring that risk considerations are embedded in the development life cycle
- Understanding risk factors and their interconnections for better decision-making
- Implementing risk culture from leadership down to all levels of the organization
- Aligning senior management’s risk vision with the broader workforce
- Establishing a uniform risk language to promote transparency and risk communication
![]() |
Jenny Birdi, Head of Enterprise Risk Management UK, HSBC |
10:50-11:25
MODEL VALIDATION
Reviewing and managing model validation through data quality and technology
View Session Details
- Understanding the importance of an effective data governance framework for internal models
- Anticipating the role of the ECB within model validation
- Use case study of AI/ML in model
- Supporting internal validation
- Enhancing data quality controls
![]() |
Rita Gnutti, Executive Director Internal Validation and Controls, Group Chief Risk Officer Area, Intesa Sanpaolo |
11:25-12:10
DEPOSITS – PANEL DISCUSSION
Evolving strategies for managing liquidity and deposits in a volatile environment
View Session Details
- Changes to the velocity of deposit mobility
- Modeling deposits and changing behaviors
- Gaining a view of liquidity in a changing rate environment
- Reviewing alternative sources of liquidity
- Impact of deposit flows on rate sensitivities
![]() |
Gerwin Scharmann, Head of Treasury, Santander Consumer Bank AG Germany |
![]() |
Piero Ardito, Director, Treasury, Moneycorp |
11:25-12:10
FUTURE OF OPERATIONAL RISK – PANEL DISCUSSION
The future of operational risk: Technology Integration for effective risk management in an evolving landscape
View Session Details
- Incorporating advanced technology solutions into operational risk frameworks
- Embedding AI and automation for reporting
- Leveraging technology to produce dynamic, real-time operational risk outputs
- Enhancing agility and responsiveness of risk management practices
- Presentation of the value proposition for using technology in operational risk
- Exploring the changing role of risk managers in an AI-driven operational risk landscape
- Identifying and mapping vulnerabilities beyond the organization’s boundaries
![]() |
Nick Woods, Chief Auditor, NatWest |
![]() |
Graeme Gaffney, MD, Global Head of Risk Audit, HSBC |
![]() |
Sean Titley, Director of Enterprise and Operational Risk, Metro Bank |
11:25-12:10
MODELING – PANEL DISCUSSION
Evolving model risk management practices in line with global regulatory change
View Session Details
- Impact of change on model risk management
- SVB case study and the limitations of liquidity models
- Insight into prominent global regulatory initiatives: PRA supervisory statement and OCC SR11-7
- Recognizing model risk as a distinct risk reporting line
- Aligning discrepancies in model definitions as scope continues to evolve
- Inclusion and treatment of AI models in the model risk management framework
![]() |
Vladimir Chorniy, MD, Head of Risk Model Fundamentals and Research Lab, BNP Paribas |
![]() |
Dimitrios Asvestis, Head of Traded Risk Model Validation and Model Risk Measurement, Barclays |
![]() |
Gilles Artaud, Head of Model Risk Audit, Credit Agricole |
12:10-12:45
ECONOMIC UNCERTAINTY
Strategies for management of the global economic landscape and navigating uncertainty
View Session Details
- Managing the ongoing cost of living pressures
- Operating in a high-interest rate environment
- Addressing the uncertainty surrounding future interest rate changes and their potential consequences
- Risk management and decision-making in a volatile rate environment
- Forward-thinking and agile planning in an environment marked by uncertainty
- Balancing short-term tactical decisions with long-term vision
- Exploring the ways businesses and economies adapt to the evolving global economic environment
12:10-12:45
GENERATIVE AI RISK MANAGEMENT
Reviewing practical non-financial risk (NFR) management use cases utilising Generative AI
View Session Details
- Overview of the current landscape of Generative AI uses across risk management
- Enhancing productivity and quality of risk management with the use of Generative AI
- Understanding how Generative AI can be utilised for risk management processes
- Risk identification
- Control documentation
- Risk assessment
- Risk reporting
- Practical implementation of AI approaches
![]() |
Manoj Kulwal, Co-Founder and Chief Risk Officer, RiskSpotlight |
12:10-12:45
DATA REQUIREMENTS
Managing increased data requirements and expectations with the use of advanced technologies
View Session Details
- Producing data at scale to meet diverse disciplinary needs
- Managing historical data limitations for models reliant on long economic cycles
- Ensuring consistency in data formats across legacy systems and platforms
- Implementing quality assurance measures to ensure high-quality data inputs
- Addressing the computation and infrastructure requirements to support data processing and storage
- Assessing the influence of mergers and acquisitions on data availability and management
12:45-1:45
Lunch Break and Networking
1:45-2:20
LIQUIDITY RISK
Liquidity risk in the post-SVB era: Challenges and adaptations
View Session Details
- Managing increased focus on liquidity risk as a result of SVB fallout
- Increased regulatory focus
- Reviewing stability of funding and deposit sources
- Acceleration of depositor reaction in a social media era
- Identifying and managing short and long-term funding sources
![]() |
Brian Brown, Head of Liquidity Risk Management for UKI/Investment Banking, Deutsche Bank tbc |
1:45-2:20
DIGITALIZATION
Maximizing the benefits and mitigating risks in the digitalization of financial services
View Session Details
- Developing digital-focused control mechanisms and maintaining a comprehensive digital audit trail
- Ensuring compliance and accountability in the digital environment
- Strategies for secure and efficient storage and retrieval of digital information
- Maintaining data accessibility and safeguarding sensitive data
- Evaluating how the digital agenda influences risk management processes
- Leveraging digitalization for improved operational efficiency and data accuracy
- Ensuring a smooth transition to digital while minimizing risks
- Adapting business models in a digital environment with fewer branches
- Enhancing the digital customer experience and ensuring seamless service delivery
![]() |
Charles Forde, Chief Operating Officer, Nomura tbc |
1:45-2:20
AI ANALYTICS
Promoting responsible use of AI and analytics technology for use in trading and beyond
View Session Details
- Exploring the importance of human intervention and checks
- Handling and processing large volumes of data for analytics purposes
- Understanding the impact of market and bank regulations on AI-driven trading
- Developing methods to explain AI model outcomes and decisions
- Addressing the ethical implications of model explainability, transparency, and accountability
- Ensuring appropriate methodologies to create complex models and identifying bias
![]() |
David Withnell, Chief Risk Officer, AXA |
2:20-2:55
IRRBB
Reviewing approaches for effective oversight and management of IRRBB
View Session Details
- Regulatory requirements and expectations for IRRBB
- Strategies for accurately modeling non-maturing deposits and their impact on interest rate risk
- Incorporating credit risk into IRRBB assessments to provide a comprehensive risk picture
- Strategies for adapting to shifts in risk assessments and management
- Preparing for and managing interest rate shocks across different economic cycles
- Strategies to ensure resilience in changing economic conditions
- Stress testing and modeling for the worst-case outcomes
![]() |
Mukesh Kumar, ED, Banking Book Risk, Strategy & Transformation, ING |
2:20-2:55
ECONOMIC CONDITIONS
Understanding the importance of stressing operational risk for the current economic conditions
View Session Details
- Assessing why operational risk is sensitive to economic shocks
- Understanding how the current economic conditions drive operational risk losses
- What Operational Risk losses can arise from bank failures & rescues?
![]() |
Michael Grimwade, MD, Operational Risk, ICBC |
2:20-2:55
AI MODELING
Reviewing the AI model lifecycle end to end and variation from traditional models
View Session Details
- Adapting existing control frameworks to AI and machine learning
- Reviewing the risk posed to model ecosystem
- Managing differences in models, development and dynamic
- Dynamics of when to develop a model
- Considerations for explainability, overfitting and instability
- Managing complexity in parameters
- Assessing adequacy in large language models with billions of parameters
- Updating traditional models to data driven AI models
![]() |
Dr. Dara Sosulski, Head of AI and Model Management, Markets and Securities Services, HSBC |
2:55-3:40
INTEREST RATE STRATEGY – PANEL DISCUSSION
Adapting business strategies to a changing interest rate environment
View Session Details
- Ripple effects of interest rate environment on credit and liquidity risk
- Examining how changes in interest rates affect credit and liquidity risk dynamics
- Identifying potential consequences for financial institutions
- Assessing the impact of interest rate fluctuations on earnings and profitability
- Strategies for mitigating adverse effects on financial performance
- Analyzing how changes in interest rates influence mortgage demand and house prices
- Strategies for managing increased credit risk portfolios in a rising interest rate environment
- Considering the implications of interest rate reductions after inflation stabilizes
- Preparing for economic uncertainties and potential financial shocks in a changing interest rate environment
![]() |
Stefano Chiarlone, CFO, Head of Finance, Italy, UniCredit |
![]() |
Antonello Russo, MD, EMEA and APAC head of Investment risk, ETF and Index Investments, BlackRock |
![]() |
Svetlana Kardan, Head of Balance Sheet Management, Monzo |
2:55-3:40
NATURE & BIODIVERSITY – PANEL DISCUSSION
Nature risk and biodiversity: Integrating environmental sustainability into organizations
View Session Details
- Assessment of nature-related risks and their implications for financial services
- Navigating the evolving regulatory framework related to nature risk and biodiversity
- Strategies for ensuring compliance and aligning with sustainability mandates
- Biodiversity integration in investment and lending
- Sustainable finance instruments and products aimed at nature risk mitigation
- The role of green bonds, sustainable loans, and other innovative financial tools
- Ensuring transparency in reporting nature risk and biodiversity impacts
- Strategies for effective disclosure and communication with stakeholders
![]() |
Sophie Dupre-Echeverria, Chief Risk and Compliance Officer, Gulf International Bank (UK) |
![]() |
Carl Moxley, Group Climate Director, Legal & General |
![]() |
Amit Pawar, Head of Data & Analytics, Sustainability & Climate Risk, Credit Suisse |
2:55-3:40
AI MODEL RISK – PANEL DISCUSSION
Navigating AI and machine learning model risks and managing evolving regulations
View Session Details
- Reviewing requirements and validation for AI models in the evolving regulatory landscape
- Keeping pace with dynamic changes in AI regulation, including the EU AI Act
- Identifying applications of AI models, such as ChatGPT, and their security implications
- Maintaining transparency in AI models to meet regulatory standards
- Implementing ongoing monitoring and validation procedures for AI models
- Ensuring responsible and ethical use of AI models in compliance with regulatory guidelines
- Developing strategies to navigate evolving and uncertain AI regulations
![]() |
Jeremy Arnold, Chief Risk Officer, NatWest Markets |
![]() |
Ying Poikonen, Executive Director, Head of Modeling Group EMEA, SMBC |
![]() |
Joris Krijger, Ethics & AI Officer, De Volksbank |
3:40-4:10
Afternoon Refreshment Break and Networking
4:10-4:45
CONCENTRATION RISK – FIRESIDE CHAT
Safeguarding stability and mitigating concentration risks in certain markets
View Session Details
- Examining the potential dangers of overexposure to specific industry sectors
- Identifying vulnerabilities stemming from a concentration of investments or activities in particular markets
- Understanding risk and concentrations holistically
- Reviewing internal and industry-wide concentrations
- Examining the resurgence of asset-backed securities similar to those that triggered the global financial crisis
![]() |
Cedric Zunino, Global Head of Wholesale Risk Appetite, Citi |
4:10-4:45
ESG REGULATION
Navigating the future of ESG regulation and impact to long term business strategy
View Session Details
- Strategies for aligning lending and investment activities with ESG principles
- Identifying lending activities most vulnerable to ESG risks
- Navigating portfolio management in the face of increased ESG risk
- Risk management and mitigation approaches for high-risk lending and investment activities
- Managing the disparities across jurisdictions in ESG regulations
- Development of standardized ESG ratings criteria
- Integration of ESG criteria into existing risk frameworks and practices
- Driving consistent climate change trajectory programs
- Strategies for aligning business operations with climate goals and regulatory mandates
4:10-4:45
BANKING ON AI
Balancing opportunities for new processes with the risk of unknown liabilities.
View Session Details
- Examining AI risks including performance, discrimination and data privacy within common banking applications
- Understanding and preparing for consequences, such as business interruption and reputational losses
- Discussing strategies to handle risks, whether by retaining them, transferring them, or implementing solid mitigation plans.
![]() |
Alexandra Matthews,Underwriter of AI Performance Risk, Munich RE |
4:45-5:20
CLIMATE RISK INTEGRATION
Reviewing changes within climate risk and inclusion within risk management practices and stress testing
View Session Details
- Strategies for preparing financial institutions for climate stress events that may lead to liquidity crises
- Identifying potential liquidity vulnerabilities linked to climate-related shocks
- Understanding how climate risk is altering risk profiles
- Stress testing portfolios to assess climate risk vulnerabilities
- Incorporating climate considerations into the liabilities profile
- Integration of climate related information in the risk framework
![]() |
Rocco Fanciullo, Head of Liquidity Risk Management, UniCredit SpA |
4:45-5:20
REGULATION
Navigating complexity of regulatory compliance and maximizing efficiency
View Session Details
- Strategies for navigating complex regulatory landscapes
- Ensuring compliance with multiple regulators and local nuances across jurisdictions
- Harmonizing compliance efforts
- Comprehensive assessment of regulatory scenarios and their impact on capital requirements
- Evaluating the ripple effect on policies, procedures, and processes
- Embedding requirements into all internal processes and operations
- Fostering a culture of compliance throughout the organization
![]() |
Rory Conway, Global Head of Compliance Operations and Assurance, Zurich Insurance |
4:45-5:20
TECHNOLOGY VULNERABILITIES
Managing the ‘always on’ nature of financial services and staying ahead of technology vulnerabilities
View Session Details
- Exploring the development and implications of continuous, ‘always on’ technology systems
- Mitigating the financial and operational costs associated with technology failures
- Evaluating the interplay between data centers, technology systems, and organizational structures in risk management
- Addressing the growing expectation for instantaneous and round-the-clock service delivery
- Exploring how technology can be harnessed to mitigate risks
- Staying ahead of the rapid adoption of technology by criminal elements
![]() |
Muhammad Sajid Iqbal, Deputy CRO, Habib Bank AG Zurich |
5:20-5:30
Chair’s Closing Remarks
5:30
End of Day One and Drinks Reception
9:00 – 9:35
FUTURE PROOFING
Future-proofing risk management in a dynamic landscape
View Session Details
- Strategies for identifying and proactively addressing potential risks to prevent future harm
- Approaches to safeguard and enhance the reputation of the organization in the face of evolving risks
- Building a comprehensive framework to adapt to changing risk dynamics
- Strengthening control mechanisms and oversight to minimize vulnerabilities
- Implementing behavioral methodologies to foster a risk-aware culture throughout the organization
- Leveraging technology as a means to enhance risk management capabilities and gain a competitive edge
9:35 – 10:20
GEOPOLITICAL IMPACTS – PANEL DISCUSSION
Strategies to manage economic impacts arising from geopolitical conflicts and trade disputes
View Session Details
- Assessing the influence of physical security on outsourcing decisions in geopolitically unstable regions
- Examining the relationship between cyber threats and geopolitical risks as potential amplifiers of vulnerabilities
- Reviewing global war threats and their implications for the banking sector
- Analyzing how the cost of living crises in different regions affect the industry
- Identifying the underlying causes of geopolitical risks to mitigate their impact on banking operations
- Integrating geopolitical risk considerations into all areas of banking, including legal and compliance
- Understanding the chain of events connecting geopolitical risks with the macroeconomic environment
- Strategies to maintain agility in responding to geopolitical events as they unfold
![]() |
Søren Agergaard Andersen, Chief Risk Officer, Nordea Asset Management |
10:20-10:50
Morning Refreshment Break and Networking
Stream 1: Regulation and Global Volatility
Stream 2: Non-Financial Risk: Operational Risk & ESG
Stream 3: Advanced Modeling and Data
10:50-11:25
SCENARIO ANALYSIS
Managing disruptions in economic data for scenario analysis
View Session Details
- Impact of the pandemic on economic data
- Effect of huge movements in the global economy on data
- Pandemic data and subsequent crisis
- Geopolitical landscape post-pandemic
- Russia/Ukraine war impact on supply chains, commodity pricing etc
- Long and short-term forecasting capabilities with data disruptions
- Challenges caveating forecasting and scenario analysis
- Effective scenario analysis with continued uncertainty
![]() |
Nicolas Guittard, Executive Director, Scenario Analytics Lead, UBS |
10:50-11:25
TPRM STRATEGY
Evolving TPRM strategies to align with regulatory change and ensure security across supply chains
View Session Details
- Exploring the approaches of the PRA and EBA to Digital Operational Resilience Act (DORA)
- Developing consistent supervisory and risk assessment requirements for all outsourced activities
- Addressing the heightened scrutiny of intergroup outsourcing arrangements
- Implementing continuous monitoring of data capabilities to detect and respond to emerging risks
- Conducting scenario testing to assess supplier resilience and response to various risks
- Developing exit strategies for critical suppliers
- Strategies for enhancing the resilience of supply chains in the face of global tensions and disruptions
- Strategies for leveraging AI for risk management and efficiency
![]() |
Maya Goethals, Director, Compliance and Risk Management, Bank of America Merill Lynch |
10:50-11:25
TECHNOLOGY CONTROLS
Reviewing how institutions can prioritise technology controls to areas of higher risk
View Session Details
- Mitigating risks as a institution becomes a bigger target
- Approaches to protecting a firm against different technology risks
- Cost of protection against technology risks
- Protecting the areas of highest risk
![]() |
Kishan Majithia, Executive Director, Cyber and Technology Controls, JP Morgan Chase |
11:25-12:10
STRESS TESTING – PANEL DISCUSSION
Updating stress testing programs to leverage as a risk management tool amidst continued uncertainty
View Session Details
- Ensuring compliance and alignment with industry standards
- Developing and executing stress test scenarios specific to trading book wind-down
- Ensuring regulatory and investor confidence in the process
- Understanding the interplay between stress testing and broader regulations
- Implementing sensitivity analysis to gain a deeper understanding of exposures in trading books during stress scenarios
- Maximizing the effectiveness of stress testing through collaboration
- Developing stress testing models when historical data is limited or unavailable
- Leveraging alternative data sources and methodologies
- Developing scenarios and models to assess the impact of climate-related risks on financial institutions
![]() |
Jeff Simmons, Chief Risk Officer, MUFG Securities (Europe) N.V. |
![]() |
Tin Lau, Chief Risk Officer, Mirae Asset Securities (UK) Ltd |
![]() |
Aileen Long, MD, Head of Climate Stress Testing & Analytics, Citi |
11:25-12:10
EXIT STRATEGIES – PANEL DISCUSSION
Reviewing requirements under operational resilience for supplier exit strategies
View Session Details
- Enhancing operational resilience to maintain business continuity
- Prioritizing investment in operational resilience to safeguard critical business functions
- Strategies for developing detailed exit plans that accurately address potential disruptions
- Ensuring effective crisis management and response
- Reviewing resolution plans and assessment frameworks for supplier stress exit
- Preparing for and recovering from supplier failure to maintain operational continuity
- Identifying and engaging substitutable service providers in case of supplier disruption
![]() |
Anurag Maheshwari, Head, Third Party and Business Resilience, Standard Chartered Bank |
![]() |
Mihaela Berg, Head of Operational Resilience & Third-Party Oversight, Europe Arab Bank |
![]() |
Saima Sabir, Group Head of Sourcing Risk, Bank of Ireland |
11:25-12:10
LARGE LANGUAGE MODELS – PANEL DISCUSSION
Leveraging the potential of large language models and ensuring effective monitoring and controls
View Session Details
- Reviewing information security and privacy challenges posed by large language models
- Navigating the complex global regulatory landscape surrounding the use of AI tools
- Implementing monitoring and controls to prevent improper usage of large language models
- Validating and maintaining reliability of information produced by large language models
- Understanding copyright and intellectual property ownership issues
- Understanding the potential value and use cases for large language models
![]() |
Toby Billington, Managing Director, Citi |
![]() |
Adri Purkayastha, Global Lead of AI Technology Operational Risk and Deputy Lead Digital Solutions RISK ORM, BNP Paribas |
![]() |
Parag Kumar, Executive Director, Compliance and Operational Risk Digitalisation, JP Morgan |
![]() |
Tanveer Bhatti, Group Head of Model Risk Management, Revolut |
12:10-12:45
ECONOMIC STRATEGY
Balancing economic recovery and growth with stability objectives
View Session Details
- Long-term plans to lower inflation
- Maintain employment and economic activity in a recovery scenario
- Treatment of government bonds accumulated during quantitative easing
- What happens after interest rates peak?
- Balancing growth with macroeconomic stability
12:10-12:45
CONSUMER DUTY
Consumer duty: Benchmarking progress and embedding best practices for compliance
View Session Details
- Assessing the progress and evolution of consumer duty compliance one year after its introduction
- Embedding consumer duty requirements into BAU operations and operational risk frameworks
- Ensuring consumer duty becomes an integral part of daily business practices
- Navigating the evolving landscape of consumer protection
- Developing robust monitoring and reporting mechanisms for consumer duty
- Conducting product risk assessments to guarantee the right outcomes for customers
- Leveraging automation for real-time assessments of consumer duty compliance
![]() |
Paul Gill, Chief Risk Officer, Mortgage Advice Bureau |
12:10-12:45
QUANTUM COMPUTING – JOINT PRESENTATION
Reviewing the use current and future use of quantum computing within institutions
View Session Details
- What is quantum computing and how far away is it?
- Security implications of quantum computing
- Quantum computing use cases
- Examining global guidance and the varying rates of blockchain adoption worldwide
- Ensuring stakeholder are positioned for this next paradigm shift in computing
![]() |
Robert Garlick, MD, Head of Innovation, Technology & Future of Work, Citi |
12:45-1:45
Lunch Break and Networking
1:45-2:20
CREDIT RISK
Understanding the impact of volatility on credit risk and leveraging technology capabilities
View Session Details
- Managing increased credit risk across certain portfolios
- Strategies for proactive risk mitigation and portfolio management
- Anticipating the possibility of credit quality depreciation in the coming year
- Developing preemptive measures to safeguard credit portfolios
- Understanding how inflation dynamics influence credit quality
- Analyzing the implications of higher interest rates on both corporate and household credit risk
- Implementing advanced credit risk profiling techniques
- Leveraging data analytics and predictive modeling to enhance credit risk assessment and management
![]() |
Ilinca-Alexandra Mihaescu, SVP, IB Credit Risk, Citi |
1:45-2:20
CYBER & IT RISK
Elevating cybersecurity and IT resilience in a digital world to ensure comprehensive protection
View Session Details
- Tailored strategies for smaller organizations to bolster cyber defenses
- Exploring the use of AI in cyberattacks and methods to protect against machine-driven threats
- Protecting sensitive data and systems from AI-driven cyber breaches
- Recognizing the global scope of cybersecurity risks and threats
- Collaborating on international threat intelligence and defense strategies
- Prioritizing customer and data protection in an increasingly digital business landscape
- Diversifying cloud providers and safeguarding against cloud-related vulnerabilities
- Addressing the amplification of vulnerabilities across the supply chain
![]() |
Dr Aly, Chief Information Officer, Blackrock |
1:45 -2:20
CRYPTOCURRENCY
Cryptocurrency and digital assets: Navigating regulation and market dynamics
View Session Details
- Exploring the transition toward more controlled and regulated usage of cryptocurrency
- Analyzing factors influencing the pricing and volatility of cryptocurrencies
- Strategies to manage volatility
- Understanding the regulatory landscape and the parameters for use of cryptocurrencies
- Adapting to and serving customers who use cryptocurrencies for transactions and investments
2:20-3:05
SOCIAL MEDIA – PANEL DISCUSSION
Understanding and mitigating the impact social media can have of on liquidity and a firms risk management
Session Details Coming Soon
![]() |
Jacek Rzeznik, Vice Director, ALM Risk, mBank |
2:20-3:05
FINANCIAL CRIME – PANEL DISCUSSION
Reviewing the evolving financial crime regulatory landscape and managing cross-border regulatory expectations
View Session Details
- Strategies for managing regulatory inconsistencies and varying levels of scrutiny
- Discussion on the requirements and procedures for exiting customers following a regulatory event
- Continuous monitoring of trade restrictions and sanctions changes
- Maintaining compliance while disengaging from risk-prone relationships
- Aligning best practices and evolving regulatory standards
- Exploring the trend towards shared liability in financial crime enforcement
- Examination of the treatment and monitoring of politically exposed persons (PEPs)
- Insights into the evolving landscape of money laundering directives
![]() |
Chiz Nwokonkor, Executive Director, Global Financial Crimes Legal Counsel, Morgan Stanley |
![]() |
Gareth Davies, Head of Fraud, Allianz Global Corporate & Speciality (AGCS) |
![]() |
Adam Oyebanji, MD, EMEA Head of Sanctions, BNY Mellon tbc |
2:20-3:05
CBDC – PANEL DISCUSSION
The future of central bank digital currencies and the future of finance and deposits
View Session Details
- Reviewing the impact on traditional banking
- Changes to deposit outflows and customer behavior
- Potential challenges and mitigation for the cost of funding banks in a CBDC environment
- Assessing the role of CBDCs in promoting financial inclusion
- Impact on unbanked populations, and reducing financial inequality
- Requirements for CBDC implementation: Ensuring a secure and transparent financial ecosystem
- Potential cross-border transaction revolution
![]() |
Aleksi Grym, Head of Fintech, Bank of Finland |
![]() |
Neophytos Kathitziotis, Former Treasurer, Natwest Germany Gmbh |
3:05-3:35
Afternoon Refreshment Break and Networking
3:35-4:10
FRTB REQUIREMENTS
Reviewing the final FRTB requirement and managing complexities with global nuances and implementation dates
View Session Details
- Control and governance framework required under FRTB
- Roles and responsibilities across first and second-line functions
- Delineation of roles and responsibilities between the first and second line functions
- Reviewing the Internal Models Approach (IMA) and Standardized model approach
- Implications of each approach for capital calculations and risk management
- Impacts on risk management practices and broader compliance efforts
- Strategies for managing the inherent complexity of the FRTB regulation
- An overview of the industry’s readiness for FRTB implementation and complexity with divergence in implementation dates
![]() |
Paul Burnett, Managing Director, Global Markets Risk Analytics, Bank of America tbc |
3:35-4:10
SCAMS
Identifying and mitigating emerging threats as scam techniques continue to evolve in sophistication
View Session Details
- Strategies for detecting and combating deep fake-based scams
- Fostering awareness and education among internal teams and customers
- Equipping them to recognize and respond to potential scams
- Enhancing authentication protocols to bolster security
- Evaluating traditional controls and their effectiveness against modern scams
- Adapting and updating controls to align with evolving threats
- Exploring trends in technology use within scams, including deep fakes and AI
- Understanding and adapting to scam tactics across geographical boundaries
- Building structured approaches to authenticate users without disrupting service
3:35-4:10
DIGITAL RISK
Reviewing the way firms are addressing and managing digital risk in the current landscapen
![]() |
Ron Lay, Director, Investia |
Session details coming soon
4:10-4:45
IFRS 9 EVOLUTION
IFRS 9 in review: Moving beyond the first generation of IFRS9 models
View Session Details
- Strategies for enhancing and refining modeling methodologies
- Updating macroeconomic modeling
- Impact of macroeconomic changes on current models
- Examining how shifts in macroeconomic indicators affect the accuracy of current models
- Exploring data discrepancies arising from pandemic-related furloughs
- Mismatches in GDP, unemployment, and default data
- Reviewing and enhancing models during economic downturns
- Enhancing resilience and accuracy of models
4:10-4:45
KYC
Enhancing KYC and due diligence processes in an evolving digital landscape
View Session Details
- Strategies for Know Your Customer (KYC) processes in the context of crypto exchanges
- Analysis of regulations and requirements for onboarding new clients
- Reviewing disparities in regulatory expectations across different jurisdictions
- Setting quality standards and criteria for client onboarding processes
- Ensuring rigorous due diligence practices during client entry
- Examination of the impact of sanctions on client onboarding and scrutiny
- Integrating certified video identification services into KYC processes
- Strategies for aligning and streamlining KYC and client due diligence procedures
- Identifying and verifying beneficial ownership information
![]() |
Ivar Lammers, COO Daily Banking & Group Treasury, ING |
4:10-4:45
BLOCKCHAIN
Reviewing the progress towards blockchain technology adoption and opportunities in the industry
View Session Details
- Assessing the evolving maturity of security measures
- Managing regulatory concerns surrounding blockchain
- Examining global guidance and the varying rates of blockchain adoption worldwide
- Investigating the rise in enforcement cases involving blockchain technologies and their implications for industry players
- Leveraging blockchain for digital transformation without the use of cryptocurrencies
- Reducing inefficiencies and streamlining manual processes
- Utilizing blockchain to monitor and secure the payment chain
- Leveraging analytics to combat money laundering
4:45-4:55
Closing Remarks
4:55
End of Day Summit
2024 Speakers
Hear from subject matter experts and industry thought leaders
Keynote speakers

Søren Agergaard Andersen
Chief Risk Officer
Nordea Asset Management

Søren Agergaard Andersen
Søren Agergaard Andersen is the Chief Risk Officer for Nordea Asset Management, the biggest asset manager in the Nordics with more than € 250bn AuM. Søren is responsible for the overall enterprise risk function, managing an international team of risk professionals in Denmark, Sweden and Luxembourg. Before joining the asset management industry, Søren held leading positions within risk in banking and pension/life insurance. One of his main priorities is to define and uphold a strong and yet flexible governance and risk framework, which can support a sound overall risk culture. Søren holds a M.A. in Mathematics and Economics and a PRM certification.

David Arnold
Chief Risk Officer
Société Generale Corporate and Investment Banking – SGCIB

David Arnold
David Arnold will be speaking at CeFPro’s Risk Evolve 2024

Jürgen Blumberg
COO for EMEA GS ETF Accelerator
Goldman Sachs

Jürgen Blumberg
Jürgen Blumberg will be speaking at Risk Evolve 2024

Stefana Brown
Chief Risk Officer
Legal & General

Stefana Brown
Stefana is the CRO for UK Protection, she also has wider responsibility as the IT and Data Risk Director across L&G Retail. Stefana is an experienced Risk Professional with over 19 years in the financial services industry (16 in risk). She has worked for organisations across the financial services industry, which has given her a broad exposure to banking, asset management and protection.

Keith Davies
Group Chief Risk & Compliance Officer
Admiral PLC

Keith Davies
Keith is currently Group Chief Risk and Compliance Officer (CRCO) of Admiral Group Plc, having previously been a Non-Executive Director and Chair of the Risk & Audit Committee for two entities within the Admiral Group.
He has extensive experience in risk management and governance, having worked in insurance, asset management and banking for 25 years. Prior to joining Admiral, Keith was previously CRCO at Federated Hermes Limited – the fund management company that has been at the forefront of sustainability investing and global stewardship since 1983. Before that, Keith held a number of senior roles at Prudential and M&G Plc (M&G) – being the first Chief Risk Officer at M&G having helped the company de-merge from Prudential Plc. He was previously Group-wide Chief Internal Audit Executive for all Prudential’s insurance and asset management companies. He has also held senior roles in risk management and audit at Standard Chartered and Deutsche Bank and spent two years within the Policy team at the Financial Services Authority. In addition to his NED role at Admiral, Keith is also a Trustee for the International House Trust Charity and on the Risk and Audit Committee at Glamorgan CCC and can therefore give a perspective of governance from both an Executive and independent viewpoint. Keith has a degree in Economics from Cambridge University and an MSc in Economics and Econometrics from the University of Bristol, has certifications on ESG Investing and Sustainability & Climate Risk, and helped write the ESG Investment Handbook.

Olivier Irisson
Chief Operating Officer
Groupe BPCE

Olivier Irisson
Since 2018, Olivier Irisson is Chief Operating Officer and CDO for Finance, Risk and CSR for
Groupe BPCE, in charge of transformation and innovation, with a strong commitment to
the development of sustainable finance.
He joined the Groupe BPCE in 2010 and held various positions as Chief Financial Management Officer, head of Asset and Liability Management and Deputy Chief Risk Officer.
He worked before for Societé Generale in the Risk Division where he held various
positions with a focus on quantitative models, scarce ressources allocation, and crisis
management.
He began his career in 1994 at Paribas in quantitative and artificial intelligence in Paribas
He holds a PhD in Finance University Paris Dauphine and attend the Stanford Executive
Program.

Kimon de Ridder
Chief Risk Officer
Insurance Bupa

Kimon de Ridder
Kimon is the CRO for Bupa Insurance (UKI / Bupa Global). He is also the approved CRO for the BINS and BISL business and holds the SMF 4 (Risk) and SMF 16 (Compliance Oversight) accountabilities.
Kimon joined Bupa in January 2022 from RSA where he was the Global Chief Compliance Officer (SMF 16) for the RSA Group and CRO for the UK and International business. Prior to this he was at Aviva and GE Capital. At GE Capital he held a range of M&A Legal roles, and Chief Compliance Officer roles across a range of products and businesses. Kimon started his career as an M&A lawyer working for Herbert Smith Freehills for a number of years, before moving in-house to the M&A Legal team at BT Plc.
Kimon has over 15 years’ experience in financial services and has managed some demanding assignments and regulatory interactions (Watchlists, Section 166s etc.).
Kimon is originally from South Africa and is half-Greek. He has spent the past 26 years in the UK.
He holds a Doctorate of Laws in Jurisprudence and has studied both in the UK and South Africa.
Regulation and Global Volatility Speakers

Piero Ardito
Director, Treasury
Moneycorp

Piero Ardito
Biography Coming Soon

Paul Burnett
Managing Director, Global Markets Risk Analytics
Bank of America tbc

Paul Burnett
Biography coming soon

Brian Brown
Head of Liquidity Risk Management for UKI/Investment Banking
Deutsche Bank tbc

Brian Brown
Biography Coming soon

Stefano Chiarlone
CFO, Head of Finance, Italy
UniCredit

Stefano Chiarlone
Biography coming soon

Rocco Fanciullo
Head of Liquidity Risk Management
UniCredit SpA

Rocco Fanciullo
Rocco has been working with UniCredit Group since 1999, where he started as a financial analyst in capital markets, covering the corporate bonds market. In November 2006 hemoved to Capital Management team, with the task of monitoring and forecasting the Group capitalization ratios and measuring the value generation.
In March 2010 he entered the Strategic Planning Unit, covering the design of budgets and the multi-year plans of the Group. Since May 2014 he is the Head of the Liquidity Risk Management, in the Group Risk Management area. In November 2022, he entered in Euronext Clearing Risk Committee, as UniCredit’s representative.

Nicolas Guittard
Executive Director, Scenario Analytics Lead
UBS

Nicolas Guittard
Nicolas Guittard started his career as a credit Quant at Barclays Capital in London. He then held a position as a credit derivatives trader before moving to Credit Suisse where he joined the Quant team focusing on interest rates derivatives. He later moved to Zurich within Credit Suisse and covered credit models for stress testing. He has been in charge of scenario analytics for 2 years and joined UBS post the merger with Credit Suisse.

Emma Hagan
Chief Risk and Compliance Officer
Clearbank

Emma Hagan
Emma Hagan is Chief Risk and Compliance Officer at ClearBank, responsible for all risk and compliance-related activities. She has over 18 years’ experience in commercial and corporate banking in both first and second lines of defence.
Emma joined ClearBank from Silicon Valley Bank (SVB), where she was Chief Risk Officer for EMEA, serving as part of the EMEA leadership and global risk leadership teams. Prior to SVB, she worked at Lloyds HBOS in a variety of roles.

Svetlana Kardan
Head of Balance Sheet Management
Monzo

Svetlana Kardan
Biography coming soon

Mukesh Kumar
ED, Banking Book Risk, Strategy & Transformation
ING

Mukesh Kumar
Biography coming soon

Tin Lau
Chief Risk Officer
Mirae Asset Securities (UK) Ltd

Tin Lau
My experience includes challenging and diverse roles within asset management, investment banking, financial services regulation, and the audit of financial services.
I am qualified as: a Chartered MSCI, a Fellow Chartered Global Management Accountant, Barrister of England and Wales. My first degree was a Masters in Computer Systems Engineering, which was dual honours in electronic engineering and computer science. My dissertation was in the computational analysis of multicompartmental pharmacokinetic mathematical models.
In addition, I have also renewed my machine learning skills by means of Andrew Ng’s Deep Learning course. I have also given speeches on behalf of the FCA on prudential regulation and represented the UK’s interests at IOSCO and various ESAs.

Aileen Long
MD, Head of Climate Stress Testing & Analytics
Citi

Aileen Long
Aileen leads Climate Risk Stress Testing at Citi, responsible for the buildout of the firm’s scenario analysis framework, strategic roadmap, and analytics capability implementation across the organization. This includes the development of climate-related methodologies and integration into scenario design, data, models, infrastructure, and stress testing governance across an end-to-end program.
She started her career at Citi in Corporate and Investment Banking covering Power and Utilities in New York. She has also held numerous roles across Equity Research, Credit Risk Management, and Enterprise and Legal Entity Stress Testing over the course of her banking career.
Aileen earned her Bachelor of Science in Economics from The Wharton School at the University of Pennsylvania with concentrations in Finance and Management.

Ilinca-Alexandra Mihaescu
SVP, IB Credit Risk
Citi

Ilinca-Alexandra Mihaescu
Biography coming soon

Alexandra Matthews
Underwriter of AI Performance Risk
Munich RE

Alexandra Matthews
Alexandra is an Underwriter of AI performance risks at Munich Re. She partners with AI providers to de-risk their customers’ operations and boost sales, working across the full value chain of their solution, from technical due diligence on AI capabilities to go-to-market strategies to improve adoption of their offering. She spearheads the development of a new insurance product for liabilities arising from discrimination/bias in AI; and moderates the podcast, AI – Safe and Sound, exploring AI in business. Alexandra holds a Juris Doctor (Master’s of Law) from the University of Western Australia.

Antonello Russo
MD, EMEA and APAC head of Investment risk, ETF and Index Investments
BlackRock

Jacek Rzeznik
Jacek is a Vice-Director of ALM Risk of mBank Group (#4 Bank in Poland, part of Commerzbank Group). He is a member of the Risk Committee, CALCO and ALM Committees. He is involved in risk monitoring, governance, stress testing, contingency planning, ALM, FTP and regulatory topics.
Previously, he held Vice President role at JP Morgan Chase in London. He was responsible for credit risk of portfolio of Emerging Markets FI & Sovereigns.
Jacek holds a MSc. in Management and Regulation of Risk from LSE and a BSc. in International Business Administration from RSM Erasmus University.
Jacek regularly presents at conferences in London, Prague, Vienna and Warsaw.
Privately, father of two boys, whom he infects with passion to skiing and sailing.

Jacek Rzeznik
Vice Director, ALM Risk,
mBank

Jacek Rzeznik
Jacek is a Vice-Director of ALM Risk of mBank Group (#4 Bank in Poland, part of Commerzbank Group). He is a member of the Risk Committee, CALCO and ALM Committees. He is involved in risk monitoring, governance, stress testing, contingency planning, ALM, FTP and regulatory topics.
Previously, he held Vice President role at JP Morgan Chase in London. He was responsible for credit risk of portfolio of Emerging Markets FI & Sovereigns.
Jacek holds a MSc. in Management and Regulation of Risk from LSE and a BSc. in International Business Administration from RSM Erasmus University. Jacek regularly presents at conferences in London, Prague, Vienna and Warsaw.
Privately, father of two boys, whom he infects with passion to skiing and sailing.

Gerwin Scharmann
Head of Treasury
Santander Consumer Bank AG Germany

Gerwin Scharmann
Over the last 25 years, Mr Scharmann has worked in various areas of banking, including Derivatives, Securitisation, Debt Capital Markets, Credit Risk Management, Portfolio Management and Treasury. Before joining Santander Consumer Bank AG in 2014, he spent 13 years in London, most recently as Managing Director in the Treasury division of RBS and before that several years in the Debt Capital Markets division of ABN Amro Bank.
In his current role as Head of Treasury for Santander’s unit in Germany, Mr Scharmann is responsible for normal Treasury activities such as liquidity and interest rate risk management as well as money market execution and capital management. Since 2016, his unit has also been responsible for local recovery & resolution planning. During the Corona crisis, his additional responsibility for the coordination of Special Situation Management has already been successfully tested.

Jeff Simmons
Chief Risk Officer
MUFG Securities (Europe) N.V.

Jeff Simmons
Jeff Simmons joined MUFG Bank in June 2014 as the Head of Enterprise Risk, tasked with creating the function. He has been involved intensively with the enhancement of the Risk Management framework in MUFG Bank (Europe). This has involved him in the formation of an Enterprise Risk function in Amsterdam tasked with delivering the full range of regulatory submissions. In April 2018 he transitioned to MUFG Securities to become involved in the Brexit project. In this capacity he is the CRO for MUFG Securities (Europe) N.V. the Dutch subsidiary of MUFG Securities (EMEA).
Prior to joining the bank he spent some 20 years specializing 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.

Cedric Zunino
Global Head of Wholesale Risk Appetite
Citi

Cedric Zunino
Cedric works in Portfolio Management at Citi, within the front office, and is responsible for the allocation of risk appetite across business divisions, industries and products. Cedric has more than 20 years of experience in the sell side and buy side, with roles ranging from structuring to risk management.
Non-Financial Risk: Operational Risk & ESG Speakers

Dr Aly
Chief Information Officer
Blackrock

Dr. Aly
Biography Coming soon

Jenny Birdi
Head of Enterprise Risk Management UK
HSBC

Jenny Birdi
Jenny has been with HSBC for 30 years, having joined the Group through Forward Trust (also located in Birmingham) in 1993. She is currently the Head of Enterprise Risk Management for the UK ring-fenced bank, having been appointed to this new role in September 23. She was previously undertaking a double hatted role in the UKRFB of Head Operational and Resilience Risk and Risk Strategy, and prior to this she was responsible for rolling out the Three Lines of Defence model within HSBC Group globally.
Jenny has also spent over a decade in various roles in Operational Risk, interspersed with significant experience in Internal Audit (over 10 years’ experience) and IT, including a one-year secondment to Vietnam.

Mihaela Berg
Head of Operational Resilience & Third-Party Oversight
Europe Arab Bank

Mihaela Berg
Biography coming soon.

Rory Conway
Global Head of Compliance Operations and Assurance
Zurich Insurance

Rory Conway
Rory is the Global Head of Compliance Operations and Assurance at Zurich Insurance based in Zurich, Switzerland. A qualified barrister, Rory has specialised in financial services compliance for over 20 years. He has held various international compliance roles in large firms such as Head of Compliance Europe at Aviva, Chief Compliance Officer EMEA at MetLife and Chief Compliance Officer Europe at Lombard International Assurance prior to joining Zurich in January 2023.

Gareth Davies
Head of Fraud
Allianz Global Corporate & Speciality (AGCS)

Gareth Davies
Winner of the inaugural 2015 Allianz Claims High Flyer Award for Continuous Improvement and double winner of the 2022 TECAs for Outstanding Manager and Outstanding Young Professional. Gareth is currently, the Head of Fraud at Allianz Global Corporate and Specialty where he has overall responsibility for, and oversight of, the implementation of the global anti-fraud strategy.
Recognized as an expert by the industry on matters of insurance fraud, Gareth regularly speaks at anti-fraud conferences and has participated in expert panel discussions.
In 2021, the team that Gareth leads was awarded the accolade of Counter-Fraud Team of the Year at the Insurance Claims and Fraud Awards in recognition of the work done to detect and prevent instances of international fraud in the complex global specialty market.
Gareth is an experienced manager who nurtures talent and who has a proven track record in changing professional cultures. The teams under his leadership are characterised by their focus on winning and their desire to be the best in their field.

Sophie Dupre-Echeverria
Chief Risk and Compliance Officer
Gulf International Bank (UK)

Sophie Dupre-Echeverria
Sophie is the Chief Risk and Compliance Officer of Gulf International Bank (UK) Limited. She is responsible for driving an effective risk culture throughout the company, designing the risk and compliance frameworks and overseeing risk management and regulatory compliance practices. Sophie joined GIB UK with extensive experience in the field, having previously served as Executive Director for Compliance and Operational Risk Control at UBS Asset Management. Before this, she was Global Head of Operational Risk at Barings, and non-Executive Director of the Baring-Coller Secondaries Fund. Sophie was also an Operational Risk Manager and the Group Head of Investment Risk Framework at Schroders.

Charles Forde
Chief Operating Officer
Nomura tbc

Charles Forde
Experienced managing and leading Business, Operations and Non-Financial Risk and Regulatory Compliance functions for capital markets, retail wealth and asset management businesses. Risk Enablement. Delivery of business-driven transformation and complex change programmes.

Graeme Gaffney
MD, Global Head of Risk Audit
HSBC

Graeme Gaffney
Results-driven risk professional with over 18 years of experience in risk, assurance, and audit management within the financial services industry. Subject matter expert across all Enterprise and Operational risk domains with a proven track record of transforming frameworks, behaviours, and culture to advance organisations risk management capabilities. Proven track record of transitioning organisations from manual to proactive data-led approaches, driving efficiency, and enhancing risk mitigation strategies. Significant expertise in engaging across complex matrix organisations, effectively influencing C-suite executives, board members, and various regulatory bodies.

Michael Grimwade
MD, Operational Risk
ICBC

Michael Grimwade
Michael Grimwade first worked in Operational Risk Management over 25 years ago. He is Head of Operational Risk for ICBC Standard Bank and has previously held senior Op Risk management roles at MUFG Securities, RBS and Lloyds TSB. Michael has also been a Director of the Institute of Operational Risk, and is currently the Chair of the AFB’s Operational Risk Expert Panel. He is the author of a number of articles on Op Risk regarding setting appetite; scenario analysis; Climate Change; quantifying emerging risks; and modelling capital. His second book, “Ten Laws of Operational Risk”, was published in December 2021.

Maya Goethals
Director, Compliance and Risk Management
Bank of America Merill Lynch

Maya Goethals
Maya is an experienced professional focusing on Data Protection, Privacy Regulation and Regulatory Change. In her role as a Risk Manager in EPCOR Privacy, she works with the EMEA teams to manage the risk of regulatory changes and rulings and ensure risk management and compliance are across the forefront of BAC’s business operations.
Maya has over 10 years’ experience delivering security, regulatory and data protection projects across various industries including Investment Management and Retail Banking. She has acquired the skillset to effectively enable transformation within challenging business and IT environments, working with a multitude of technical, organisational and C-suite stakeholders.
Maya is a certified privacy professional and holds CIPP/E, CIPM, CIPT, CIPP/US, CIPP/A and CISSP certification. She holds a BSc in Business Economics and an MSc in Information management from Tilburg Business School.

Paul Gill
Chief Risk Officer
Mortgage Advice Bureau

Paul Gill
A Chief Risk Officer with over 30 years of experience in financial services, across a range of sectors, including building societies, retail banking, credit card, professional practice and now mortgage intermediation.

Manoj Kulwal
Co-Founder and Chief Risk Officer
RiskSpotlight

Manoj Kulwal
Manoj Kulwal is the Co-Founder of RiskSpotlight. He has 20 years of experience delivering non-financial risk framework, processes, and IT systems initiatives in financial services firms globally.
He is a leading industry expert on deploying Generative AI technologies for non-financial risk management to enhance productivity and quality of outcomes.
Involved in industry initiatives such as IOR’s “Certificate in Operational Risk Management” and international risk management standard “ISO 31000“.

Ivar Lammers
COO Daily Banking & Group Treasury
ING

Ivar Lammers
Experienced COO with a demonstrated history across the banking industry. Most dominantly in development, utilization and operationalization of new technologies/activities driving pioneering impact. Strong international oriented business development skills in operations, product management and in regulatory/compliance. With a proven track record in centralization and sourcing of operations into (shared) service centers.

Anurag Maheshwari
Head, Third Party and Business Resilience
Standard Chartered Bank

Anurag Maheshwari
Currently working as Global head of Third Party and Corporate, Commercial & Institutional Banking Resilience for Standard Chartered Bank. Has extensive experience in the financial industry covering risk management, regulatory implementation, business, financial and project management across both 1st and 2nd line roles. Fortunate to have spent time in various countries handling different roles.
Frequent speaker at industry events most recently on the topics of risk and resilience.
Doting husband and father who loves to travel.

Carl Moxley
Group Climate Director
Legal & General

Carl Moxley
Carl Moxley is Legal & General’s Group Climate Director.
He is responsible for leading and executing L&G’s climate strategy (including nature and biodiversity), approach, targets, reporting and governance across the Group. He will also drive the coordination of the Group wide development of investment and societal opportunities that the journey to net zero generates.
Moxley joined L&G in 2017 as Chief Risk Officer of Legal & General Retirement. Most recently, he was Chief Financial Officer of LGRI over the last four and a half years, overseeing growth of the global PRT business as well as the implementation of IFRS 17.

Chiz Nwokonkor
Executive Director, Global Financial Crimes Legal Counsel
Morgan Stanley

Chiz Nwokonkor
Chiz is Global Financial Crimes Counsel for EMEA at Morgan Stanley. She trained and qualified at Freshfields, practicing as a financial institutions litigation for a number of years before undertaking an LL.M at Columbia University, New York. She subsequently worked at the UN as a diplomat for the Nigerian delegation to the Security Council, handling a humanitarian affairs portfolio. Chiz later returned to private practice in London, developing a sanctions advisory and financial crimes practice, before joining Morgan Stanley as lead financial crimes legal counsel for the EMEA region.

Adam Oyebanji
MD, EMEA Head of Sanctions
BNY Mellon tbc

Adam Oyebanji
Adam has over 30 years’ experience in Legal and Compliance. His journey into banking is atypical in that he has spent most of his career as a trial lawyer and has, by his estimate, more than 1,000 trials under his belt. From 1987 until 1999 he practised as a barrister in what was then the Midland and Oxford Circuit, specialising in commercial and chancery matters. He then moved to the US and requalified as an attorney. In the US, he had a national practice with an increasing focus on white collar crime and financial services. He joined BNY Mellon’s Legal Department in 2015 and, after a brief return to private practice in 2019, joined EMEA Compliance in 2020.
Adam holds an LLB from the University of Birmingham, an LLM from the University of Bristol, and a JD from Harvard Law School. He is a member of the English Bar and admitted to practice in Illinois, New York, and Pennsylvania.

Amit Pawar
Head of Data & Analytics, Sustainability & Climate Risk
Credit Suisse

Amit Pawar,
Biography coming soon

Saima Sabir
Group Head of Sourcing Risk
Bank of Ireland

Saima Sabir
Biography coming soon

Sean Titley
Director of Enterprise and Operational Risk
Metro Bank

Sean Titley
Sean has 30 years of experience in Risk Management across disciplines, including Enterprise Risk, Operational Risk, Credit Risk, Strategic Risk and Front Office Supervision. He is a passionate advocate for the furtherance of Operational Risk as a discipline, co-authoring papers and acting as a speaker and panellist at many external events.
Sean has held Director level roles at a number of organisations, both on a consultancy and permanent basis. He is currently Director of Enterprise and Operational Risk at Metro Bank, running a team responsible for the Bank’s overall risk management framework and approach to Operational Risk from a second line perspective. This includes liaison with the PRA and FCA and making ongoing enhancements to the Bank’s approach to risk appetite, governance and embedding a strong risk culture across the three lines of defence. His team works closely with the first line on approaches to Fraud, Operational Resilience, Third Party Risk Management and the management of People, Change, Data, Information Security and Technology Risks.
Sean is a member of the Institute of Operational Risk/IRM Operational Risk Advisory Committee, providing advice on its approach to Operational Risk and running the IOR’s Chapters across the globe.

Nick Woods
Chief Auditor
NatWest

Nick Woods
ick brings significant experience across the first and third lines of defence. Prior to joining NatWest earlier this year, Nick was Chief Controls Officer at Nationwide, leading the transformation of the first line controls capability across the firm. In previous roles across Barclays, UBS and Northern Trust, Nick has led audit teams across key functions, businesses and geographies, as well as heading first line assurance and governance functions.
Advanced Modeling and Data Speakers

Gilles Artaud
Head of Model Risk Audit
Credit Agricole

Gilles Artaud
Gilles Artaud has been working in investment banking since last century, where he held various positions within Quant, Front Office, IT and Risk Department, working all along on many models, quant developing, managing, validating them, making sure their risks are adequately managed. He’s now in charge for the 3rd line of defence of Model Risk Audit for Group Inspection in Group Crédit Agricole SA, dealing with transformation of risk induced by new models, framework, market and business evolutions, new fields of modelisation and compliance with ever-increasing regulations.

Jeremy Arnold
Chief Risk Officer
NatWest Markets

Jeremy Arnold
Jeremy is NatWest Markets’ Chief Risk Officer, having joined the bank in 2018. He has an extensive experience as a trader and risk manager. His roles in risk management include running regional and global market risk teams at a variety of firms including Commerzbank, UBS, Investec and Nomura, and the role of Chief Risk Officer, EMEA at Nomura since 2015.
Jeremy holds a Masters in Economics Cambridge University.

Dimitrios Asvestis
Head of Traded Risk Model Validation and Model Risk Measurement
Barclays

Dimitrios Asvestis
Dimitrios has over 15 years of Banking experience in various Quantitative Modelling roles, most recently as the Head of Traded Risk Model Validation at Barclays covering all Market and Counterparty risk / capital models. He is also responsible for Model Risk Measurement, focusing on approaches to assess model uncertainty for the key risk metrics of the Bank. Prior to that, he worked at Deutsche Bank where he led various teams within Counterparty and Market Risk model development and then within Model Risk Management, incl. Model Validation teams, Framework design and Technology for model testing. He holds an MSc in Finance from The London School of Economics.

Tanveer Bhatti
Group Head of Model Risk Management
Revolut

Tanveer Bhat
Tanveer Bhatti is a risk manager, physicist, and certified finance professional with an extensive career encompassing sell-side and buy-side positions in investment banks, private banking, and asset management in London and New York. Renowned for his approach combining analytical rigor and practical relevance, he is particularly interested in the practical implications of new technologies, markets, electronic trading, modelling approaches, and data. His focus lies in leveraging these elements to enable emerging or non-existent products, services, business models, and societal advancement. Recently, he has been exploring the capabilities of artificial intelligence, large-scale data analysis, improved data analysis methods, accelerated delivery, and automated decision-making. He holds degrees in mathematics and physics from Cambridge University, including postgraduate studies, and has held senior global roles in Tier 1 GSIBs in the US and UK, overseeing large, geographically dispersed finance and risk management teams.

Toby Billington
Managing Director
Citi

Toby Billington
Prior to joining Citi Toby was the Chief Control Officer for the Global Banking business of HSBC, based in London. Toby has also held the position of Global Head of Conduct and Supervision for the Corporate and Investment Banking Division of Deutsche Bank AG. Toby started his career as a banking lawyer. In his legal capacity he has worked for a number of banks over the last twenty years including Barclays, Bayerische Landesbank, The Bank of Tokyo Mitsubishi UFJ, Silicon Valley Bank and Gulf International Bank, leading teams of lawyers advising various businesses. When still working in private practice, Toby specialised in corporate finance and structuring.

Vladimir Chorniy
MD, Head of Risk Model Fundamentals and Research Lab
BNP Paribas

Vladimir Chorniy
Biography coming soon.

Muhammad Sajid Iqbal
Deputy CRO
Habib Bank AG Zurich

Sajid Iqbal,
Muhammad Sajid Iqbal, a distinguished Deputy Chief Risk Officer (CRO) and Market & Investment Risk Professional, brings over 16 years of expertise to the dynamic world of risk management. Currently at the helm of risk affairs for Habib Bank AG Zurich in Dubai, Sajid is renowned for his astute leadership, innovative solutions, and unwavering commitment to excellence. Key highlights include:
• Global Speaker: A sought-after authority, Sajid has graced prestigious conferences worldwide, sharing insights on diverse topics, from the “Rise & Fall of Crypto” at Risk Minds International in Barcelona to unraveling “Digital Transformation Strategies” at the Branch Transformation event in London.
• Seasoned Risk Professional: With an extensive background in handling various investment asset classes, Sajid’s proficiency spans FX, Equities, Bonds, Islamic Sukuks, Funds, Commodities, Cryptocurrencies, and derivatives. His adeptness in analyzing quantitative models and generating custom risk analysis reports sets him apart.
• Innovative Solutions: Sajid’s impact is not just theoretical; he’s a hands-on leader. His contributions include the implementation of SAXO white label trading solutions, leading the acquisition of licenses for HBZ wealth management, and spearheading the LIBOR replacement project.
• Global Recognition: From Barclays to Royal Bank of Scotland, Sajid has left an indelible mark on every institution he has been a part of. He championed Treasury back-office transformations, implemented RPA for crucial processes, and seamlessly led teams through significant changes.
In a world constantly evolving in risk landscapes, Muhammad Sajid Iqbal stands as a beacon of innovation, resilience, and expertise. His presence at any risk conference promises not only knowledge but actionable insights that shape the future of risk management.

Robert Garlick
MD, Head of Innovation, Technology and Future of Work, Citi Global Insights
Citi

Robert Garlick
Rob Garlick, Managing Director, is Head of Innovation, Technology, and the Future of Work at Citi Global Insights.
As Head of Citi Research EMEA from 2016- 2021, Rob led the team’s rise in the Institutional Investor surveys, from: #7 to #1 in UK; #9 to #2 in Western European; #7 to #2 in CEEMEA; and #7 to #1 globally. Other industry awards included: #1 rank for ESG Research from both II and ESG Investing; Best ETF Research providers by ETF Express; and Best Innovation paper by Savvy Investor.
Rob joined Citi in 1996 and previous roles at the firm include: Global Product Head at Citi Research, driving industry-leading thematic content (#1 rated by Extel); running Citi’s US Equity Sales desk in the UK to some of the world’s leading asset managers and hedge funds; and a No.1 rated Global Specialist Salesperson, covering Media and Telecommunications.
Rob started his career in Fund Management in 1993 at Singer & Friedlander, where he helped run the US equity fund. Rob passed the AIIMR as a prize-winner in Interpretation of Accounts & Corporate Finance. Among other industry qualifications, Rob holds a BSc (Econ) degree in Accounting and Management, an MSc in Coaching and Behavioural Change and is a qualified Executive Coach.

Rita Gnutti
Executive Director Internal Validation and Controls, Group Chief Risk Officer Area
Intesa Sanpaolo

Rita Gnutti
Rita is “Head of Internal Validation and Controls Coordination Area” in Group CRO Area of IntesaSanpaolo with responsibility on Internal Validation, Group Model Risk Management and Second Level Credit Controls and Data Quality controls at group level.
Previous experience was in Financial Risk Management (from 2005 till February 2020), as Head of Market and Counterparty Risk Internal Models with responsibility on modelling, Market and Counterparty Risk Architecture and Regulatory Reporting for Market and Counterparty Risk and of the “Market Data Management Team” in charge of scenario generation for internal models. In charge of the “Volker Rule Team” for analysis and reporting at desk level of Volker quantitative metrics, which have been developed leveraging on the Market Risk Architecture.

Aleksi Grym
Head of Fintech
Bank of Finland

Aleksi Grym
Aleksi Grym is Head of Fintech at the Bank of Finland. His team manages a portfolio of projects covering financial technology, new payment systems and digital currencies. He is a member of the ECB’s digital euro project steering group and has been a member in several other international working groups. Before joining the Finnish central bank Aleksi worked in the consulting and technology industry for over fifteen years in London and Helsinki, advising organisations ranging from SME’s to leading global corporations.

Neophytos Kathitziotis
Former Treasurer
Natwest Germany Gmbh

Neophytos Kathitziotis
Neo is former Treasurer for Natwest in Germany. He has led the setup of the bank’s Treasury activities post Brexit, from licencing to establishing the team and being responsible for Capital, Liquidity and Interest rate risk.
Neo has previously held roles with Natwest and Commerzbank in London and Frankfurt, championing operations and business transformation projects in the markets business.
Neo holds an MiBA from the University of Hamburg, has completed Visiting Scholar / Research assignments in the U.S.A and Norway and a dozen of Economics trainings in Europe.
Neo’s current interests lie in Financial Regulation and Coaching for Leaders.

Joris Krijger
Ethics & AI Officer
De Volksbank

Joris Krijger
Joris Krijger is a Tech Ethicist working as Ethics & AI Officer at the Dutch bank de Volksbank and holding a PhD position on the topic of Ethics and Artificial Intelligence at the Erasmus University Rotterdam. He presently works on bridging the gap between ethical principles and AI by studying the operationalization of ethics in data science contexts. Joris is involved in various AI Ethics initiatives such as Springer Nature’s AI and Ethics Journal of which he is a Founding Editorial Board Member. For the social impact of his contributions to the field of responsible AI he recently received a Graduate School Award for PhD Excellence

Parag Kumar
Executive Director, Compliance and Operational Risk Digitalisation
JP Morgan

Parag Kumar
I have 25 years of experience in Automobile industry (Tata Motors, India), FinTech (Reuters Consulting, Singapore) and Banking (JPMorgan, Singapore & London). My entire career has been around change management and strategic initiatives across various functions and have in-depth understanding in both technical and financial domains.
In my 18 years with JPMorgan, I have had diverse roles in pricing and risk management technology, global P&L and risk reporting solutions and managing capital models applications to EMEA regulators for market risk & counterparty credit where I worked with various functional areas including risk, product control, operations, prudential policy, internal audit etc. Currently I am product manager and innovation champion in Compliance and Operational Risk Digitalization team, and am well recognized for my quantitative, problem solving and analytical skills.
I have a Bachelor’s degree in Technology and Master’s in Business Administration. I also hold certifications in Machine Learning, Data Science, Data Analytics and Amazon Web Services Cloud Practitioner.

Ron Lay
Director
Investia

Ron Lay
After graduating from the University of California at Berkeley, Ron started his career as a software engineer in the Silicon Valley. He has spent the last 20+ years in Digital leadership roles at some of the largest financial services companies in the world, including Lloyds Banking Group, Deutsche Bank, JP Morgan Chase and most recently at HSBC. He has led numerous successful transformation projects during this time, including the rewrite and reimplementation of the retail, investment, and commercial banking websites at Lloyds (lloyds.co.uk), Deutsche Bank (autobahn.db.com), and JPMorgan (chase.com). Most recently he was responsible for the flagship platforms HSBCnet and HSBC Connect, including manaing vendor relationships and transformation plans and processes globally, involving the nearly all of the leading players in India, China, the US, and the UK. He is comfortable running and advising both small and large teams, and is passionate about delivering value, security, and stability to customers and employees.

Kishan Majithia
Executive Director, Cyber and Technology Controls
JP Morgan Chase

Kishan Majithia
Kishan is A dynamic risk management specialist – professionally trained in risk management (CRISC/CISA/CISSP/CISM) and project management (PRINCE2/PMP) – uniquely qualified to combine experience in the identification, assessment and response of risks with in-depth project planning, reporting and an understanding of the use of technology in large-scale organisations.

Ying Poikonen
Executive Director, Head of Modeling Group EMEA
SMBC

Ying Poikonen
Dr. Ying Poikonen is currently the Head of Modelling Group for EMEA region in SMBC. She is responsible for the quantification of Credit, Market, Liquidity, Operational and Climate Change related financial risks for both internal and regulatory purpose, as well as the development of Model Risk Management and Stress Testing for EMEA region. Prior to joining SMBC, Ying worked in Deutsche bank. She holds a PhD degree in Engineering from Warwick University.

Adri Purkayastha
Global Lead of AI Technology Operational Risk and Deputy Lead Digital Solutions RISK ORM
BNP Paribas

Adri Purkayastha
Biography coming soon.

Dr. Dara Sosulski
Head of AI and Model Management, Markets and Securities Services
HSBC

Dr. Dara Sosulski
Dr. Dara Sosulski is the Head of AI and Model Management for Markets and Securities Services at HSBC, where she has worked since 2015. Over the course of her career at the bank she has led a variety of teams specialising in Data Science, analytics, and modelling. Prior to joining HSBC she was an award-winning Neuroscientist, receiving her PhD from Columbia University before moving to University College London on a fellowship from The Royal Society. An unabashed optimist and lifelong geek, she loves discovering new ways to use AI and technology to solve problems anywhere and everywhere.

David Withnell
Chief Risk Officer
AXA

David Withnell
A highly experienced Chief Risk Officer and responsible for enterprise risk, compliance, governance and data protection across a global healthcare insurance group. I’m excited to be at the forefront of AI governance and implementation, taking a leading role in guiding the insurance industry as it enters the AI age.
Co-sponsor

RiskSpotlight
RiskSpotlight, a pioneer in financial services non-financial risk (NFR) consultancy, has been providing comprehensive solutions for over 11 years. Specialising in everything from NFR framework development to tool implementation, the firm also offers market leading content and training to its global FS clients. With a focus on innovation, RiskSpotlight now integrates Generative AI into its services, enhancing quality, consistency, and capacity to meet the evolving needs of global clients.
Content and media partners

CeFPro Connect
CeFPro Connect aims to connect industry experts through thought leadership content and timely news, written for the industry, by the industry. Gain unlimited access to CeFPro’s unparalleled library of resources including iNFRont Magazine, market intelligence reports, filmed presentations, insights Q&A’s, and much more.
Sign up for free.

iNFRont Magazine
iNFRont Magazine is a unique publication providing regular insight on the operational and non-financial risk (NFR) sector. Featuring contributions provided by leading industry figures and experts from around the world, iNFRont Magazine touches on the most critical themes and challenges currently affecting financial professionals.
Available to download for free.
Venue
etc.venues
133 Houndsditch
3rd Floor
London
EC3A 7BX
Frequently Asked Questions
Can I share my thought leadership at Risk Evolve?
Will there be opportunities to network with other attendees?
- Breakfast, lunch and refreshment breaks
- Drinks reception at the end of day-1
- Q&As, panel discussions, and audience participation technology
What is included within the registration fee?
Where can I find the Convention documentation and speaker presentations?
*Please note that our speakers often have to gain permission from their relevant compliance departments to release their presentations. On rare occasions compliance may not allow presentations to be distributed.
Will breakfast, lunch and refreshment be provided?
Are there any rules on dress code?
Register
Register for Risk Evolve today and join the likes of 250+ industry professionals and subject matter experts looking to engage in meaningful conversation and discuss the latest developments and challenges within the risk and technology sector.
Need assistance with your registration? Get in touch with us via email below, or call us on +44 (0)207 164 6582.
Launch Rate
E.g. Bank, Insurance company, Asset manager, Regulator
E.g. Consultant, Vendor, Executive search firm, Law firm
*To qualify for the preferential ‘early bird’ rates, registration must be received by the close of the ‘early bird’ working day, and payment can be made at the time of registering, or up to a week after registration is made an invoice sent. CeFPro reserves the right to increase rates should payment be delayed significantly. For Group Rates to be valid, the whole group must register at the same time, though names can be changed at any time up to the event at no additional cost. Should a delegate register at a rate that is inaccurate, CeFPro reserves the right to issue an additional invoice for the outstanding amount.