Experienced risk professional managing Operational Risk within a commercial bank, specialising in Product Risk, Change Risk and Risk & Control Self-Assessment.Second line of defence expertise benefits from extensive experience of personal banking, corporate banking & recoveries/restructuring, gained through working in the front line across multiple UK locations.Strong analytical skills, I understand what data is required from any given scenario in order to make a logical risk-based decision or recommendation.My communication is articulate and concise, which drives a positive influencing style in governance fora with senior leadership.Proven track record of building relationships across the Three Lines of Defence, particularly the first line with whom I work closely to identify, assess & mitigate in their business.Product Risk expertise entails policy assurance, risk assessment of product & proposition portfolio & review & challenge of product review cycle.Change Risk expertise entails policy assurance, 2LOD representation at key programme Steering & Programme risk log oversight. Proficient across the five Operational Risk Pillars, with additional expertise in loss management, restitution management, framework/policy implementation.