Charles Kermisch Email & Phone Number

In coverage of two top-tier globally active banks:• Led continuous team review of a wide variety of risk based processes as relate to core prudential and regulatory aspects, and including credit and market risk management, liquidity and capital adequacy, product and financial control, internal audit and operational risk. • Regular front-line business reviews across the bank, requiring evaluation not only of revenue aspects, but also the risks arising either from its entry into new product lines and markets, or continuation of existing business areas in view of the evolving requirements caused by Brexit, EMIR and MiFiD II.• Led a detailed examination, over several months, of all treasury and liquidity requirements, reaching across risk management and calculations through all lines of defence.• Undertook a review of the counterparty portfolio management operation, covering all centralized cross-book functions and requiring analysis of all types of XVA management, portfolio compression activities, and loan risk management• Supervisory lead for an in-depth review of algorithmic and e-trading areas, with particular focus on counterparty and market risk, and covering both first-line strategic considerations as well as second-line risk control framework• Undertook a firm-wide exploration of the structured financing business covering multiple underlying asset classes and trading desks• Conducted a front-to-back assessment of the prime brokerage function, covering business line governance and risk management, second-line independent risk control, and collateral and infrastructure framework• Supervisory principal for an examination of the operational risk framework and practical application by business lines and control areas• Supervisory lead in various one-off thematic reviews of product classes across-firms, encompassing a wide variety of asset-classes and requiring at times close coordination with other international regulatory bodies

London, United Kingdom

• Tasked with enriching and refining both digital and direct presentational material used to sell an innovative workplace pension solution to small employers.• Provision of creative content pieces surrounding the requirement for pension scheme establishment, targeted and tailored specifically to a less financially knowledgeable audience.

London, United Kingdom

• Transaction and business consulting focusing on the following areas:Revenue generationBusiness developmentProduct developmentPlatform developmentClient and transaction managementBusiness analysisBusiness changeResource organisationRisk management

London, United Kingdom

On sabbatical

London, United Kingdom

• Identified attractive market anomalies that occurred post 2008, but which were not traditionally accessible to any other than sophisticated investment banks, designing and launching new product approaches that successfully broadened involvement by multiple types of new client• Led product implementation to steer Credit Suisse into a market leading position with Southern European insurance companies relating to a specific credit product that had previously been missed• Sole transaction designer, structure execution and primary salesperson for a joint venture initiative with an external hedge fund to trade a specific credit strategy. Delivered a transaction which, over a 6-year period and surviving market turmoil, demonstrated exceptional revenue generation• Delivered significant product development and transaction execution capabilities to enable satisfaction of the funding requirements for a major Southern European client. The complex transactions required understanding and implementation of structures covering multiple legal forms, jurisdictions and underlying asset classes• Devised innovative products for the US life insurance market to broaden global risk distribution, requiring swift market evaluation and development, with input from sales and clients, and ultimately filling a niche• Designed a robust system for client and product evaluation, as well as documentation clarity, to enable the continuation of investment distribution to high net worth and retail clients (protecting a significant established revenue stream)• Designed and introduced a credit product suite into various other business lines to improve competitiveness. Developed combination products, producing salesforce and client education material in the process that ensured appropriate delivery• Built a robust transaction platform for penetration into the emerging property derivatives market within an extremely short timeline

Tokyo, Japan

• Delivered significant income by developing a localized credit product more suitable to Japanese clients and their specific requirements• Restructured multiple existing transactions reducing the economic risk profile for the clients and concealed risk for the bank, providing continuing profit and business lines and securing revenues• Actively engaged other geographic regions to source attractive market opportunities for Japanese clients, providing on-the-ground product knowledge for salesforce, and significantly widening the firms’ performance for certain key product areas, particularly from the US• Protected the stability of profits despite the economic crisis impacting Asia from 1998

Hong Kong

• Established on-the-ground credit product expertise that better harvested all potential country opportunities and dramatically increased client engagement throughout Non-Japan Asia• Facilitated interactive cross-floor and cross-function sales education that eradicated existing rivalries and inconsistencies in sales delivery, producing a cohesive product platform that was unmatched in any other office globally, and delivering notable revenue uplift• Became a local product conduit enabling distribution of new Eastern European investment products, with initial client success, and revenues in a short timeframe

London, United Kingdom

• Provided key frontline support for the new credit derivative business, developing educational and marketing material for both salesforce and clients, as well as contributing to the development of pricing methodology• Oversaw credit product development and corresponding execution to elevate income

London And New York

• Developed first-line risk oversight of one of the largest CS derivative portfolios geographically, and ultimately established departmental abilities in the US across all products

Bachelor Of Science (Bsc), Economics

Education record

Education record