I cover Enterprise Risk Management covering ERM programs and ERM Process. Key points below for each:
ERM Programs
1) ERM Functional Management: Mature and manage the ERM function, including developing an ERM strategic plan, and creating and articulating a vision for the ERM function.
2) Risk Culture: Create and maintain a culture of risk-informed decision making.
3) Risk Frameworks, Policies and Coordination: Establish risk governance, including in frameworks and policies, that clarifies the roles and responsibilities of ERM, risk owners, risk committees and other partners, and optimizes risk coordination.
4) Risk Technology and Analytics: Exploit digital advantages to improve ERM process efficiency and efficacy.
5) Risk and Strategy: Embed consideration of risk in corporate strategic planning and execution.
ERM Process:
1) Enterprise Risk Appetite: Develop a properly articulated and cascaded risk appetite that represents a consensus position on corporate risk taking and creates guardrails for managers to operate within when making decisions.
2) Enterprise Risk Identification and Assessment: Develop proactive risk management processes that can identify risks in real time and enable a complete analysis of their implications for the enterprise risk portfolio.
3) Enterprise Risk Mitigation and Monitoring: Build consistent mitigation and treatment strategies targeting the root causes of risks, and select readily measurable and forward-looking indicators for top risks.
4) Enterprise Risk Reporting: Uncover and provide the risk insights key stakeholders need to make informed decisions, using an action-oriented format that reduces executive effort by aligning with strategic initiatives.
I served as Head of Policy and Frameworks at BAC Bank in London where he:
• Reset the bank’s risk appetite, credit authorities, and non-performing loans policies
• Built a climate risk framework including a scenarios playbook
• Supported the development of the bank’s AI strategy and authored its first AI risk policy
• Led key FCA/PRA deliverables such as ICAAP, ILAAP and Recovery Plan
• Directed solvent exit planning for the bank
Previously worked at Deloitte focusing on project design, implementation readiness, assurance assessments, and operating model design and prior to this worked for U.K. setting up a real estate lending business focusing on operations and strategy and then second line risk capability and design.
British Arab Commercial Bank, Director of Policy and Frameworks , 2 years
Deloitte LLP, Managing Consultant , 2 years
Homes England , Head of Change Risk/Head of Development Risk, 4 years
HCA, Senior Portfolio and Risk Roles, 9 years
Enterprise Risk Management
Professional Certificate: AI and Ethics: Said Business School, Oxford University
MSc Real Estate Finance and Investment - covering economics and valuations, investment and development, law, finance and investment
ERM Functional Management; Risk Culture; Risk Frameworks, Policies and Coordination; Risk Technology and Analytics; Risk Strategy
Enterprise Risk Appetite; Enterprise Risk Identification and Assessment; Enterprise Risk Mitigation and Monitoring; Enterprise Risk Reporting