Regional head of Asset & Liabilitiy Management & Treasury 1st line of defence Operational Risk Management

Regional APAC first line of defence operational risk management & transformation

Transformation and implementation of an APAC regional Conduct Programme in BAU mode in line with Group and local regulatory requirements, across 5 pillars:(i) Conduct governance(ii) Conduct risk management framework(iii) Conduct metrics (incl surveillance)(iv) Conduct culture, awareness and training(v) Respect for persons (incl disciplinary framework)

- Delivered £5.5m E2E co-location project of 4 businesses / 3 buildings into 1 building – on time, on budget, exceeding specification, with responsibility (sponsor) for H/O approvals, budget setting, staff engagement, M&E, QS, architectural design, H&S, AV & IT- Achieved 26% net cost saving over 4-year period- Completed sale & purchase of Jersey-serviced UK WM business (all Jersey-related financial & operational aspects)- Delivered GDPR project in full legal compliance: privacy notice, policies, records of processing, impact assessments and trainingMain Accountabilities - Finance - Change Management & Business Analytics - Operational Risk - Operations & Controls for Banking & Treasury - Client Documentation & KYC Administration - Tax reporting (FATCA / CRS / QI) - Credit Administration - IT, Infrastructure & Business Continuuity - Presmises & Business Services - Governance - implementation & efficiency

Grew offshore group’s structured product capability from start-up to US$160m sales pa / US$6.5m net revenue pa through forging enduring heads-of-business stakeholder partnerships across support and distribution functionsMonthly derivative component valuations & modelling, collateral management and hedging of derivative assets purchased vs expected sales during rolling 3 months sales periodsManagement of market risk, credit risk and P&L risk using stochastic modelling (potential future & expected exposure) and ensuring governance of structured products within group risk appetite and legal & compliance standardsClient relationship lead for key HNWs and leading private client proposals, advising on trust, banking, protection, asset management and structured products; presenting at regular client seminarsMember of the investment company board which was jointly responsible for the implementation of the investment mission, investment philosophy and investment process for the company’s multi-manager funds, multi-manager portfolios, discretionary portfolios and advisory portfoliosOwner of the regulatory relationship for structured products with JFSC and IOM FSC

Originally recruited to establish the structured products business, but mandate broadened to include full treasury accountability alongside structured products (until 2011, when treasury was restructured globally to become an enabling function with jurisdictional reporting into finance)Grew revenue fourfold to US$9m pa for the treasury function responsible for ALM, capital management, FX trading & hedging, money market, tradeable securities and interest rate risk management across international jurisdictionsBuilt proprietary stochastic and geometric Brownian motion time series model to forecast depositor behaviour over time. Presented results, limitations and benefits of the models to the board, and subsequently to offshore regulators with whom I successfully negotiated liquidity dispensation on overnight funds worth US$3.6m pa in revenueConverted modelling outcomes into pricing adjustment of liabilities across entire range of deposit products, by client segment, to drive appropriate depositor behaviour in order to maximise the value of up-streamed liquidity to the groupFor each of the two banks within the offshore group: ALM of solvency and liquidity, FX trading & market risk (hedging of client positions), hedging of non-GBP revenue (mostly ZAR, USD and EUR) to GBP balance sheet, interest rate risk management and implementing new governance framework with risk dashboard within ICAAP-defined risk appetite parameters and limitsMember of project steering group and head of treasury project working group for two significant system conversionsExecutive committee member for the bank & owner of the regulatory relationship for ALM with Jersey FSCAccountable for the ALM section of the banks’ ICAAP: drafting, presenting to the regulators and ensuring continued compliance

Delivered registration, development, marketing & communications for structured and open-ended investment products in over 30 countries: limited companies, Dublin-based UCITS III funds (where I held 3 directorships) and structured notes & depositsCut costs by US$400k pa through integrating the marketing and product teams into single, aligned business unitSaved US$900k pa by renegotiating third party fund management and fund administration tariffsDoubled the number of product launches by cutting time-to-market by up to 25%

Led the private medical insurance and income protection teamDelivered automated experience rating system to increase efficiency by 40%Taking initiative to establish a forum aimed at forging stronger and durable cross-functional relationships within the Aviva group

Developed and managed UK onshore life and non-life structured retail productsBuilt a value-for-money assessment tool to optimise the balance between fair value to clients and corporate profitabilityDelivered equity-linked MTNs (innovative at the time!) as a new investment vehicle for the groupIncreased efficiency through negotiating intra-group agreements which removed requirement for product by product approval

Led the actuarial team for HSBC’s income protection product range through market research, business cases, product and system specifications, actuarial modelling and third party operating & financial agreementsDeveloped pricing which formed basis for 3rd party partnership negotiations and received approval from both company boardsDelivered product business cases for internal and 3rd party partnership approval

Delivered 42% new business growth over 18 months for my portfolio of 35 local & overseas life & healthcare insurance clientsDeveloped an innovative reinsurance arrangement to secure life reinsurance business with an investment company

Second placement under the group's graduate programme: assistant manager at Saambou Life: established in-house actuarial expertise responsible for valuations, underwriting, claims management, new product pricing and marketing, unit pricing and monthly presentations to the board

First placement under the group's graduate programme: money market dealer within treasury function at Saambou Bank: interest rate quotes, gilt valuations, cash & liquid asset portfolio management and corporate client relationships & services