Mark Bailie is currently CEO of Bó — a new stand alone digital bank and banking platform by NatWest. Previously Mark was Chief Operating Officer for the RBS Group from April 2016, overseeing c20,000 staff within Services, covering the Franchise Operations teams, Shared Services, Data & Analytics and Payments.
Mark returned to the RBS Group in 2010 where he spent 6 years running Solutions for the Non-Core Division. Mark was then appointed Co-CEO of RBS Capital Resolution (RCR) and subsequently CEO of Capital Resolution, taking on the leadership for the sale and run down portions of Corporate & Institutional Banking. Mark joined the Executive Committee in April 2015.
Prior to this, Mark was Head of Barclays Capital's Principal Investments unit leading transactions in the UK, US and South Africa. Mark joined BarCap from RBS Equity Finance where he led investments such as Canary Wharf and Towergate. Mark is a qualified chartered accountant and trained with PwC Corporate Finance and Cooper & Lybrand audit.
Valeriu Bajenaru is a Managing Director in the Group Enterprise Risk Management function at Credit Suisse, based in London. Amongst others, he is responsible for Firmwide Stress Testing, Risk Appetite, Risk Frameworks and Emerging Risks.
Valeriu has been active in that role for three years and, prior to that, he was in a variety of risk roles with GE Capital where he was Enterprise Stress Testing Leader and at RBS where he was Head of Risk Analytics and Head of Corporate & Institutional Banking Risk Operational Effectiveness. In these roles Valeriu led multiple stress testing and several other strategic-change initiatives.
Prior to RBS, Valeriu worked in management consulting for Oliver Wyman and Moody's Analytics on a diverse set of engagements across many financial institutions.
Valeriu has an MBA from The University of Chicago Booth School of Business.
As a Director in the Financial Stability practice, Rustum Bharucha works closely with SEBA International’s EMEA based clients. He serves clients across the financial services, technology, and professional services industries focusing in risk management, compliance and quantitative analytics search assignments. Rustum has 17 years of business development experience, the last 10 being spent within Capital Markets, Investment Management and Risk Management. His deep understanding of financial services and extensive network within Risk Management are key to his effectiveness.
Rustum is an active member of the Global Association of Risk Professionals (GARP) as well as the Professional Risk Managers’ International Association (PRMIA). He earned a Bachelor’s degree in Business and Accounting from the University Of Pune.
Bio coming soon.
After an initial academic career as a macroeconomist specialising in large-scale models, Paul Fisher was a senior figure at the Bank of England for 26 years, retiring in July 2016. He was a member of the Monetary Policy Committee for five years, the interim Financial Policy Committee for two years and the PRA Board for six months. Paul was also responsible in latter years for co-ordinating the Bank’s work on climate change.
During the great financial crisis, Paul worked in the Markets Area of the Bank, from March 2009 as Executive Director responsible, amongst many other things, for the Bank's programme of asset purchases for quantitative easing, and introducing the Funding for Lending Scheme – as well as routine management of the UK’s foreign currency reserves and the Bank of England’s balance sheet more broadly.
In his final two years, Paul was largely responsible for management and coordination of the new Prudential Regulation Authority as its Deputy Head, whilst researching matters of financial stability, policy co-ordination and governance, competition policy, supervision and regulation – including covering for eight months as Executive Director for Insurance Supervision where he acquired his climate change responsibilities.
Among a range of outside positions, Paul currently chairs the London Bullion Market Association, is a NED at the UK Debt Management Office, provides consultancy services to central banks and spends about half his time on academic work, including climate change. In 2017/18 he was a member of the High Level Experts Group on Sustainable Finance at the European Commission and the UK Green Finance Task Force. He is also visiting professor in economics and finance at Richmond, the American International University in London.
Paul is Vice Chair of CISL's Banking Environment Initiative.
Bruce Fletcher is Group Chief Risk Officer at RBS, a role he has held since October 2018. He is a member of the Group Executive Committee, and attends and chairs a number of the Group’s governance fora. Bruce is responsible for leading the Risk function for the RBS Group, defining and overseeing the risk, conduct, compliance and financial crime strategies for the Group, and encompassing policy, governance, frameworks, analysis and insights.
Over a 35 year career, Bruce has worked for global full service banks in the UK and USA, including HSBC, Citibank, and Irving Trust. Before joining RBS he was a Group General Manager at HSBC, where he served as the Chief Risk Officer for the Global Retail Banking and Wealth Management Business; he previously served as their Chief Risk Officer for Europe and the UK. Before joining HSBC in 2005, he spent 17 years at Citibank, where he served as a Senior Credit Officer and Managing Director in the Group Risk Office in New York, overseeing a global suite of loan portfolios.
Tony has over 25 years’ experience as a banker, company director, and policy director in sustainability and banking. His early career was in audit with PwC and equity capital markets at Barclays and Credit Suisse. He more recently led programmes of research into banking reform at the New Economics Foundation and the Royal Society of Arts, Manufactures and Commerce (RSA), and is author and co-author of many books and reports including, ‘Where Does Money Come From? A guide to the UK monetary and banking system.’, ‘Financial system impact of disruptive innovation - Working paper for UNEP FI’, and ‘Stakeholder banks: the benefits of banking diversity’.
He is a Senior Fellow of the Finance Innovation Lab, the Senior Associate for Inclusive Finance at the RSA, and a consultant to Lion Trust Asset Management, a leading ESG investment manager.
Tony is an alumni of Oxford University and the London School of Economics and a Fellow of the Institute of Chartered Accountants.
Stephen Groarke has extensive experience in banking and finance. He joined Elavon Financial Services from Permanent TSB (PTSB) in 2018, where he had held the position of Chief Risk Officer since 2016 and was also a Board Director. Stephen joined PTSB as Head of Group Finance in 2012, having previously worked in Merrill Lynch, Ulster Bank and Bank of Ireland in a number of roles across Finance and Treasury.
At PTSB, he was instrumental in the development of both the Finance and Risk teams and the creation and negotiation of the Restructuring Plan with the European Commission and its subsequent delivery. He also facilitated the bank’s equity raise through its Initial Public Offering in 2015, returning the institution to the Irish and London Stock Exchanges. Stephen’s banking experience includes driving new and enhanced governance, implementing internal control and risk management standards and successfully engaging with the Central Bank of Ireland and Single Supervisory Mechanism (SSM) within the European Central Bank.
Stephen has a BSc with 1st Class Honours from University College Dublin and is professionally qualified as both an Accountant and Financial Risk Manager. In addition he is a Certified Bank Director with the Institute of Bankers.
Kathryn Kerle joined Greater London Mutual as Chair of the Board of Directors in December 2018. Prior to that, she was Head of Risk Reporting at Royal Bank since April 2011. In that capacity, she managed a team responsible for the production of risk reports, including the risk sections of the annual reports of the bank and its major subsidiaries and the Pillar 3 disclosure as well as internal reporting of risk to senior risk committees. Her team sponsored initiatives to define credit risk exposure measures, reconcile balance sheet asset amounts with credit risk exposures and align risk reporting at the strategic business unit, divisional and bank-wide levels as well as enhance the operating models used to deliver external disclosures. She had a thought leadership role in the bank’s implementation of BCBS 239 (Risk Data Aggregation and Reporting).
Kathryn joined RBS after spending 13 years with Moody’s Investors Service in various management and analytical capacities in London, New York and Singapore. Prior to joining Moody’s, Kathryn ran Paradigm, a financial consultancy based in Sydney and focused on credit risk management. She began her banking career at Chase Manhattan Bank in New York.
Kathryn holds a Master's degree in Arab Studies from Georgetown University and a Bachelor's degree from Bryn Mawr College, both of the US.
Bio coming soon.
Andrzej Kulik has over twenty years of management experience in diverse financial services institutions, with a proven record of productivity, quality, and integrity. He is currently Chief Risk Officer and Member of the Board of mBank Hipoteczny, the oldest and second largest specialized mortgage bank in Poland. From 2011-2017, he was head of Internal Audit at mBank (Commerzbank Group) in Warsaw and Lódz where he was responsible for overseeing and improving the bank's audit controls. Prior to this role, Andrzej was head of Middle-Office at mBank (Commerzbank Group) in Warsawwhere he successfully created a high functioning middle-office for the bank and managed various IT projects, including the implementation of central banking applications.
Andrzej has been actively engaged in various volunteer roles within the financial services sector throughout his professional career, including serving as a volunteer at the CFA Institute and member of the Board of the Polish CFA Society (2009 - present), a lecturer at Warsaw University of Technology in Poland teaching students about financial mathematics and markets (2004 - 2017), a columnist for Parkiet, a leading Polish financial newspaper (2009 - 2011), and serving in various leadership roles within the Professional Risk Managers' International Association (PRMIA), including Regional Director of PRMIA in Poland from 2001 - 2012.
Andrzej received his Master of Science in Theoretical Physics from the Warsaw University of Technology in Poland and a Ph.D. in Physics from the University of Amsterdam. In addition, he has completed post-doctorate work at several universities in the U.S. and Europe. Andrzej speaks five languages and is an avid runner and road cyclist.
Michael Leibrock is a Managing Director and serves as Head of Credit Risk and the Chief Systemic Risk Officer for the Depository Trust & Clearing Corporation (DTCC). He has oversight for DTCC’s analysis, approval and ongoing credit surveillance for all members of DTCC’s clearing agencies. Michael is also responsible for the identification and monitoring of potential systemic threats to DTCC and the securities industry, actively engaging with DTCC’s clients and supervisors on systemic risk topics. Michael serves as co-chair of DTCC’s Systemic Risk Council and is a voting member of both the Management Risk Committee and Model Risk Governance Committee.
Prior to joining DTCC in 2011, Michael’s career in risk management spanned over 20 years during which he held senior roles at several firms, including Chief Counterparty Risk Officer at Fannie Mae and North American Head of Financial Institutions Credit for Commerzbank A.G.
Michael holds a Doctorate in Finance and International Economics from Pace University’s Lubin School of Business and a M.B.A. in Finance from Fordham University. He is a Lecturer in Columbia University’s M.S. Program in Enterprise Risk Management and is co-author of a 2017 book titled “Understanding Systemic Risk in Global Financial Markets” (Wiley Finance).
Bruce MacLaren is the Chief Risk Officer, Europe, with responsibility for providing independent oversight of risk for all RBC businesses across the region. He sets the strategic direction of risk management and provides leadership in the implementation and execution of leading practices in risk oversight and governance for Europe and its key legal and regulatory entities. Bruce also has global accountability for risk oversight in RBC Investor & Treasury Services (RBC I&TS), as well as the majority of RBC's Asian operations.
Based in London, Bruce is a member of the global RBC I&TS Operating Committee and the Capital Markets Europe Operating Committee. He is also a member of the Board of RBC Europe Limited.
Bruce is a graduate of the University of Toronto and York University. He joined the Royal Bank in 1987 and held various positions in client-facing roles in corporate banking, corporate finance, loan syndications and market management in both Toronto and London, England. He was appointed Vice President, Risk Management in 1997 responsible for financial institutions and became Senior Vice President, Group Risk Management – Credit, in 2003. He assumed his current responsibilities in September 2015.
Global Board member and Executive Committee Member with the Professional Risk Managers' International Association (PRMIA Institute) Institute - this allows a global view of risk management, governance, marketing and sales for a non-profit professional association with a global membership of nearly 50,000+ members in 65 chapters in over 100 countries. Hands-on work with the publication, exam and training offerings of PRMIA has been a real world education to complement marketing, strategy and other such education at the MBA level in Smurfit Graduation School of Business at UCD.
Professional career with significant and progressive experience of Banking, Governance, Risk Management, Compliance, Operations, Technology, Training and Consulting. This has included work in global firms like EMC, PricewaterhouseCoopers, Merrill Lynch and Bank of America.
Worked on the PRISM risk based supervision project with the Irish Regulator at the Central Bank of Ireland. This experience has been enhanced by working with financial services entities to meet the requirements coming from this significant regulatory project.
Working on several publications and courses as author, trainer or editor, including Asset Liability Management, Operational Risk, Credit and Counterparty Risk and Strategic Management.
Oscar McCarthy is a Director of the PRMIA Institute, PRMIA's scholastic arm for the development of professional risk management standards of practice. He is also Associate Partner and Head of Research at Avantage Reply, a risk consulting firm. He has 20 years experience of Commercial and Investment Banking throughout Western Europe, covering all major risk types and asset classes. Before joining Avantage Reply, he held risk leadership positions at ABN Amro, including Head of Policy and Deputy Head of Regulatory Reporting. He started his career at Lloyds.
Oscar holds a Ph.D. in Mathematics and is certified as a Professional Risk Manager (PRM). He also leads the PRMIA chapter in the Netherlands.
Pierpaolo Montana is Group Chief Risk Officer for Mediobanca S.p.A. since June 2014 with overall responsibility across all risks. Prior to joining Mediobanca, he held Risk Management positions at BNP Paribas and WestLB, specializing in quantitative methodologies for Cross-Asset Market and Counterparty Risks.
Previously he served for three years in the Banking Supervision Department in Bank of Italy assisting the implementation of Basel 2 for Market and Credit Risk in the Italian Banking System.
Cosimo Pacciani is Chief Risk Officer of the European Stability Mechanism (ESM), responsible for Risk and Compliance. Since May 2014, Cosimo had been working as Deputy Head of Risk at the ESM. Prior to that, he worked for Royal Bank of Scotland between 2003 and 2013 in different risk roles, including Head of Risk and Compliance for the Asset Protection Scheme.
He has worked for more than 16 years in the City of London, with expertise in credit and traded products and investment banking, as well as experience in Corporate and Public Sector Credit Risk and Securitisation and Credit Derivatives. Before moving to London, he worked for the European Commission in the Structural Funds office in Bruxelles.
He holds a Master Degree in Economics and Business Administration from the University of Florence and a Ph.D. in Economics from the University of Siena.
Christine Palmer joined Aldermore as Chief Risk Officer in 2016 where she is responsible for Risk including Credit, Operational, Compliance, Conduct and Financial Crime Risk as well as Capital and Liquidity Risks. She was appointed to the Aldermore Board as an Executive Director in May 2017.
Christine has almost 30 years’ experience in risk management, corporate and commercial banking, having held roles at ING Bank N.V., where she spent eight years in London and Amsterdam, Ernst & Young LLP and The Royal Bank of Scotland Group PLC.
Her career at RBS spanned almost 14 years, during which time she held a number of senior positions in the Risk function including Divisional Chief Risk Officer and senior credit risk roles. She most recently held the roles of Global Head of Operational Risk and Director of Risk Services.
Diana Paredes is the CEO and Co-Founder of Suade, a software platform that enables financial institutions to understand and deliver their regulatory requirements. Prior to founding Suade, Diana had a successful career in investment banking, covering all asset classes at Barclays and Merrill Lynch, across sales, trading and structuring. Whilst working in the industry, she saw an opportunity to innovate and launch her current Fintech/Regtech startup. She believes that a data-driven approach to regulation is the key to preventing the next financial crisis.
Ken has held high-level posts in prominent multinational insurance corporations, and acted as a risk management consultant in the financial industry. From 2014 to 2015, he served as the Chief Risk Officer (CRO) of the US and Bermuda operations of Aspen, where he developed and administered a risk management framework and headed multiple global functions, including the operational risk department.
From 1988 to 2014 he held a variety of positions at AIG, ultimately serving as CRO of the Casualty and Global Risk Solutions divisions. Ken holds a B.A. in Mathematics from the University of Dayton, as well as numerous professional designations, including: Professional Risk Manager (PRM), Chartered Property Casualty Underwriter (CPCU), Associate in Risk Management (ARM), and Associate in Surplus Lines Insurance (ASLI).
Ken has also been an active volunteer for PRMIA, holding the following positions: Member of the Board of Directors, Treasurer, Chair of the Finance Committee, Chair of the Ethics Committee and Regional Director of the New York Chapter.
Bio coming soon.
Elizabeth Rosiello is CEO and founder of BitPesa, a digital foreign exchange and payment platform that leverages blockchain settlement to significantly lower the cost and increase the speed of business payments to and from frontier markets. BitPesa is a market-maker in every major African currency and opens corridors for business payments and trade between frontier markets and the rest of the world. Founded in 2013, BitPesa was the first blockchain company to be licensed by the UK's Financial Conduct Authority and follows stringent KYC practices.
BitPesa services frontier market businesses and multinationals paying Its API also enables international remittance companies to send white-label payments to dozens of bank networks and mobile money operators across Nigeria, Kenya, Ghana, Uganda, Tanzania, Senegal, and the DRC. Launched in Nairobi, BitPesa now has offices in Lagos, London, Luxembourg, Madrid, and Dakar.
Rossiello has a Masters in International Finance from the School of International and Public Affairs at Columbia University. Prior to founding BitPesa, she was Deputy Director of Planet Rating's East and Southern African office, served as an Analyst at Credit Suisse in NY, London and Zurich, worked at Goldman Sachs and served as a Robert Bosch Fellow at the German Bundestag in Frankfurt. She is a founding member of the World Economic Forum's Future Council on Blockchain and the Global Blockchain Business Council, as well as an active advocate for blockchain technology in emerging markets.
John Scott is Head of Sustainability Risk for Zurich Insurance Company, responsible for leading the Group’s engagement and positions on sustainability, both internally and externally, as the way we deliver our purpose and values.
He joined Zurich in 2001 becoming Head of Risk Insight in 2007 and took on the role of CRO in 2009, leading the global, regional and local implementation of the Group’s enterprise risk management strategy across Zurich’s Commercial business.
A graduate of Oxford University, with a PhD in geology from Aberystwyth University, John's early career was in the upstream oil and gas industry, where he gained wide-ranging international experience with BP. In 1995 he gained his MBA at Cranfield and joined BOC, working in Group Strategy and Planning team and then helping to develop BOC’s fast-growing Edwards business division.
Bio coming soon.
Dr. Monika Smatralova is currently leading the Financial Risk and Risk Analytics in Permanent TSB, Dublin Ireland. She is a senior risk practitioner and has been working in risk function of major high street and captive banks focusing mainly on the credit, operational risk management and measurement and Enterprise risk management. Her academic background is in Financial (Risk) Management and Investment, Banking and Treasury. Monika is also actively involved in the senior leadership at PRMIA (Professional Risk Managers’ Association), successfully leading the Irish Chapter since 2013. In 2014 she was elected as the EMEA Regional Directors Committee Co-Chair.
Elisabeth Stheeman has operated in banking and investment management as an executive and senior regulator and has been a member of LaSalle Investment Management's Global Management Committee and JLL's Global Operating Committee.
She currently is an external member of the Bank of England's Financial Policy Committee and Financial Markets Infrastructure Board and has served as a senior advisor to the Prudential Regulation Authority.
Her portfolio spans listed significant businesses in financial services, real estate and healthcare in the UK, Germany and France. She is a non-executive member of the board of Aareal Bank, a German-listed financial services property specialist, Deputy Chair of the Risk Committee and member of Technology and Innovation Committee. She is a NED of FTSE 250 Edinburgh Investment Trust (EIT) plc. She is a former independent Non-executive Director of French listed Healthcare company Korian SA, a former Non-executive Director of Redefine International (RDI) plc, the FTSE 250 REIT, and of TLG Immobilien AG, a German listed real estate company.
Elisabeth was the COO of the Financial Institutions Group Europe at Morgan Stanley, where she spent almost 25 years. In her early career she gained strategic and on the ground retail banking experience. She has deep real estate understanding through her roles as Global COO at LaSalle Investment Management ($50+bn AuM). Prior to LaSalle she was Global COO, Real Estate Investing, for Morgan Stanley Real Estate Funds ($50+bn AuM).
She is a member of Council and Court of of the London School of Economics, Deputy Chair of the LSE Finance and Estates Committee and a member of Council of the German-British Chamber of Industry and Commerce.
Elisabeth has dual British and German nationality, is bi-lingual in English and German and speaks some French. She is based in Greater London.
Bio coming soon.
An experienced I.T. professional and executive with broad and well-balanced technical, commercial and business skills. Key strengths include excellent communicative capability (both verbal and written) and an extremely enthusiastic nature. 25+ years of industry experience has also allowed the development of strong leadership capabilities and the ability to actively manage change within challenging, high profile environments.
An industry recognised IT innovator and strategist, Darren is a published author. His latest work has recently been published by Wiley Co. and is entitled, “Delivering Utility Computing: Business Driven IT Optimisation”. Details can be found at www.amazon.com.
- The Internet of Things (IoT)
- IT Strategy & Business Alignment
- IT Risk Management
- Cloud Computing
- Mobile Computing
- Consulting Business Development & Management
- High Availability & Disaster Recovery
- Security Best Practice
Mark Thundercliffe joined CYBG PLC as Group CRO in September 2016, having over 30 years of Financial Services experience. Mark is accountable for enabling the efficient and effective governance of significant risks, and related opportunities across CYBG PLC. Risks include strategic, reputational, operational, financial, credit, regulatory and financial crime compliance. He joined CYBG PLC from HSBC where he was Chief Risk Officer responsible for management and oversight of risk for HSBC’s Retail Banking and Wealth Management business in 18 countries across the UK, Europe, the Middle East and Africa.
Mark has also held a number of senior international positions including President and CEO with Home Credit (Asia), and he was also an Executive Director and Business Head (Russia) with Renaissance Capital in Moscow. With Citigroup he progressed from Chief Risk Officer (UK & Ireland) to become CEO of Citi Consumer (Russia). Prior to Citi, he worked with Associates Capital Corporation, latterly as Executive and Business Head, based in India.
He is a member of the Professional Risk Managers' International Association (PRMIA), the Credit 500, the Consumer Credit 100 and a fellow of the Chartered Institute of Credit Management. Mark is regularly invited to sit on industry panels and speaks at dinners across the UK to share best practice.
Lois Tullo is an ERI at the Global Risk Institute. She is the Canadian expert in the research and management of Nonfinancial risk including Cyber Dependency (Cyber Quantification, AI/ML, Quantum). She is the author of “Distribution Analysis for Information: A Cyber Quantification Framework”, “Climate Change Tops Risk Correlation Ranking”, “Back to the Future: 2007 to 2030”, “The Global Risks and Trends Framework”, and “Risk Management – Canadian Best Practices, How did they get there?”.
Lois is CRO/CCO at Novera Capital, a Virtual Currency capital firm focusing in the area of providing liquidity to the market through synthetic derivatives. She is also the CRO/CCO advisor for JVerify at KYC/AML blockchain developer using AI/ML to verify identities in the AML space. Lois has been teaching risk management at the Schulich School of Business for the past 23 years. Schulich has awarded her the John Peace Prize for outstanding contribution to teaching.
Ms. Tullo was previously CRO & CCO at Smart Contracts Capital Inc. and BlockMine Development Inc. SSC/BMD developed a blockchain platform to issue Regulated Security Tokens (STO’s). She was CFO at CIBC Finance Inc, responsible for Finance, Treasury, HR and interim risk management. She was Director of HR, Finance and Business Process Redesign at Unitel Communications; a management consultant at Nolan, Norton Canada/KPMG where she consulted on the link between business strategy and information technology architecture. Ms. Tullo worked in Ethiopia with Food for the Hungry, a relief and development organization. At TCPL, she provided systems design and data analysis.
Ms. Tullo is a CPA,C.A. and she articled with Clarkson Gordon Toronto (E&Y) and PWC in Calgary, she has an EMBA from The Ivy School of Business, a B.Comm from the University of Saskatchewan, and holds her C.C.O and ICD.D designations. Ms. Tullo is currently the Chair of Urban Promise, Jlt & Associates, VC of The Richview Residence Foundation, and a former BOD for Jameson Bank, The Boulevard Club, and the Girl Guides of Canada.
Alan Wheatley is an economics writer and editor based in London, and was global economics correspondent for Reuters until November 2013. His areas of expertise include international economic policy-making, Chinese economy, and Euro area integration.
In the course of a 33-year career with the news agency, he reported from more than 40 countries and had postings in London, Frankfurt, Paris, New York, Washington, Tokyo, Singapore and Beijing.
He attended many IMF, G7 and EU summits and reported on landmark economic events including the Latin American debt crisis of the 1980s; the collapse of Continental Illinois bank; the 1985 Plaza Accord; the 1987 Wall Street crash; negotiations to create the euro; Japan’s struggle to defeat deflation; the meteoric rise of China; and the euro zone crisis.
Tom is Chief Risk Officer at Allianz Group, responsible for all of Allianz’s global insurance and asset management businesses. Prior to joining Allianz in 2008, Tom was the Chief Risk Officer for ING Insurance, joining in 2005; Global Head, Finance & Risk Practice at Oliver Wyman & Company (a consulting firm specializing in serving financial services firms in risk, strategy and organization) joining in 2002; CFO of Swiss Re New Markets joining in 1998 (responsible for the risk management, financial / management reporting, treasury and backoffice operations for the alternative risk transfer and capital markets activities of Swiss Re); and, Global Head, Risk Management Practice, at McKinsey & Company, joining in 1990.
Tom is widely published and is the author of Value and Capital Management: A Handbook for the Finance and Risk Functions of Financial Institutions published in the Wiley Finance Series. His book has been translated into Chinese, Korean and Japanese.
Tom is a Professor of Applied Risk in Insurance at the Ludwig-Maximilians-Universität in Munich, Germany, and Board Member of the American Risk Insurance Association. Tom earned his BSc in Business Administration with honors from the University of California at Berkeley and his PhD in Economics from Stanford University. Tom is a dual American/Swiss citizen.