Nazeera (Naz) Khan (Mba, Cia) Email & Phone Number

Canada

• Responsible for strategic alignment and execution of the Company's ERM program and governance processes including review and evolution of the Risk Appetite Framework (RAF), Own Risk Self Assessment (ORSA)• Working closely with the CRO as a key influencer, helping drive the culture of good governance, risk ownership and accountability across the organization• Leading Model Risk Management, Cyber Risk, Data Analytics, ERM, ORM, Third Party Risk Management and ESG teams to ensure value driven risk management programs, compliance with regulatory expectations, rating agency standards and strategic imperatives of the Company• Leading the development of a Climate Risk Framework with appropriate governance and accountability and ensuring this is incorporated into the Company's strategy, capital planning and risk appetite. Working closely with the Finance Team to ensure appropriate disclosure regarding climate risk and the impact to the Company• Responsible for oversight of macroeconomic risk and insightful analysis on emerging risks, early warning signals of potential deterioration, key trends as well as mitigation opportunities within the insurance portfolio• Working closely with the Leadership/ Finance/ Actuarial and Data Science teams to support the business across strategic initiatives by balancing risk vs reward and identifying vulnerabilities opportunities in the portfolio using a data/ model driven approach

Ontario, Canada

• Responsible for the strategic direction of the Internal Audit (IA) Function at MCAN reporting to the Audit Committee and administratively to the President and CEO• Key responsibilities included supporting the Audit Committees mandate by developing a risk- based internal audit plan (1-5 year), executing on the IA plan and presenting quarterly reporting to the Audit Committee, managing internal and co-sourced resources and allocated IA budget

Toronto, Canada Area

Strategic Direction• Support the CEO in formulating the organizational strategy and translating the strategic plan into tactical plans • Create structure and co-ordinate the execution of strategic initiatives with executive management to achieve the strategic plan and to assist the CEO in facilitating effective decision making• Act as a strategist, consultant and implementor to ensure streamlined activities within the organization based on the CEOs priorities• Support the CEO to provide Board updates on strategic initiatives, risk initiatives and management function other business activities as required by the CEO• Commenced the implementation of Lean methodology across the organization to support effective management and continual improvement of operations and effective internal controls • Designed and executed on an enterprise wide Sustainable Infrastructure• Designed and executed a change management process including Project Management Office ToolsRisk Management, Compliance, and Risk Culture• Support the CRO to develop a Fit For Purpose Enterprise Risk Management Strategy • Support the CRO and CEO for enterprise wide corporate governance and risk initiatives• Enhanced Operational Risk Management Frameworks and Policies • Designed and executed a Maturity assessment across the Risk Management function

Johannesburg Area, South Africa

• Designed and embedded the ERM governance & control strategy and framework including the first Fraud Risk and Cyber – Information Risk capabilities to increase control efficacy and resilience.• Successfully led these three teams of Senior Fraud, Governance and Information Risk (Cyber Risk) specialists to identify and combat threats by delivering highly resilient and evolving ERM risk assessments and controls.• Headed the planning and execution of the ERM process from start to finish. This includes supporting the business and decision processes through the design and presentation of ERM strategies, ORM alignment, management assurance, trend risk analysis, risk assessments and stakeholder reporting. • Accountable as the key risk partner for leading the creation of policies and standards in the key risk control framework aligned to ERM framework.• Led the monitoring of mitigating actions to ensure robust and sustainable control design and operational efficiency.• Oversaw the business strategy to align and comply with regulatory bodies and legal requirements.• Partnered with audit in the development of a combined assurance model across 3 lines of defense. • Acted as business’ first line of defense in ensuring sound governance and controls.• Recognized as an “outstanding” performer, for leading high performing teams, increasing business unit support, and consistently delivering quality results.

Johannesburg Area, South Africa

Senior Group Risk Advisor - ERM• Supporting the business as key risk partner by successfully designing and implementing an enterprise wide risk management framework across 54 Hospitals and all group level business units.• Partnered with business and led the design and execution of the IT governance framework (COBIT).• Led teams of risk specialists in overseeing, assessing and embedding risk controls and aligning operational risk to agreed risk appetite while achieving high levels of resilience and elevation of risk culture.• Recognised and awarded by the Institute of Risk Management of South Africa for the best designed and implemented Control Self Assessments across the health care sector.• Headed the planning and execution of the ERM process end to end. This includes supporting the business and hospital divisions through the design and implementation of, and compliance to, ERM strategies, ORM alignment, management assurance, regulatory and legal alignment and compliance.• Facilitated the integration of audit work across the business through the execution of a Risk and Control Self Assessments.• Implemented and contributed to the King Code of Corporate Governance. The King Report on Corporate Governance has been cited as "the most effective summary of the best international practices in corporate governance

Johannesburg Area, South Africa

Successfully headed up and led the Risk Governance structure and function to facilitate the risk management process.Entrenchment of the ABSA Operational Risk Management BASEL II Advanced Measurement Approach framework within the ABSA Africa division.Successfully lead the integration of end to end risk management initiatives with the relevant stakeholders (on the job training, day to day support, reporting, workshops, country visits ie. Mozambique, Tanzania). This included the responsibilities for the execution and oversight of the risk & control environment e.g. preparation of reporting packs and continuously ensuring the objectives of the committee is met by reviewing the information presented for discussion, driving implementation of action logs and tracking progress. Escalating matters to the relevant committees and ensuring ownership of risks and actions.Created and implemented a process to control Management Information reporting for ABSA Africa Risk.Monitored and reported on risk issues and the overall risk profile of the business within the defined risk appetite and tolerance levels.

Johannesburg Area, South Africa

Responsible for the Financial Management functions of the division (Mozambique, Tanzania, Angola, Namibia)Ensured the production of accurate and timeous management information (monthly Balance Sheet and Income Statements, Group reports, Tax and Vat Packs, monthly financial management reports).Analysed and interpreted information including the country management reports, balance sheet reconciliations, costs and benchmarking implications/ results.Provided support to the African subsidiaries to ensure ABSA and International Financial Reporting Standards (IFRS) are well maintained.Steered strategic finance projects on an ad hoc basis.Operated as a strategic partner to the business core functions and the countries through the identification of trends, risks and opportunities for efficiencies.Built strategic inter‐departmental relationships to help achieve business goals.Produced high level reports providing strategic recommendations with regard to products, finance, budget, projects to drive profit and customer satisfaction and product/ business unit performance.Analysis of financial services and products in order to provide in-depth knowledge of product portfolio.Led successful management assurance and audit finding closures with continuous control environment enhancements.

Johannesburg Area, South Africa

Accountable for performing a professional, independent and objective internal audit assurance and consulting service to the business that improves the organisation’s operations and risk based controls. Preparing short term plans regarding the audit scope, objectives, timing, work schedules, managing resources to achieve audit plan. Conducted appropriate audit techniques to gather and collate evidence in and compile reports to provide assurance to business and the Audit Committee on the reliability of controls.Responsible for mapping of all processes in the business to understand the control environment and identify potential risks. Conducted on-site audit engagements and ensured the application of assurance standards and appropriate audit techniques with regards to execution of fieldwork, Compilation of final reports of audit findings, causes, effects and recommendations.Provided assurance and advice to business and the Audit Committee regarding the reliability and improvement of controls.In addition my role also included Credit AnalysisHeld a portfolio of clients: Transport, Construction and Allied (eg: Nissan, Otis, Mitsubishi, Man Truck and Bus etc).Conducted credit assessments in accordance with ABSA Credit Policies and Procedures.Preparation of credit applications (financial statement, industry analysis) and presentation of recommendations to the Group Credit Lending Committee.Built and maintained relationships with company Financial Directors and Management Accountants in order to understand their forecasts, budgets, management accounting and other financial information.Reviewed credit facilities provided to clients (Forex, Short Term Loans, Long Term Loans) and ensured the portfolio was adequately managed in my role as transaction manager:

Johannesburg Area, South Africa

Management of transactions in the Transaction Management environment for agriculture business i.e. middle/ back office function.Managed these transactions in accordance with the legal agreements, credit application and models from inception to termination. Maintained structured finance deals and booking of new deals.Preparation and maintenance of accounting entries for all transactions within the portfolio including reconciliation of all trial balance accounts.Re-pricing and restructuring of transactions caused by legislation changes. This involved re-modelling, possible contract amendments and client liaison.Maintained relationships with clients to manage the day-to day business.My role also included a mandate as a Credit AnalystHeld a portfolio of clients: Transport, Construction and Allied (eg: Nissan, Otis, Mitsubishi, Man Truck and Bus etc).Conducted credit assessments in accordance with ABSA Credit Policies and Procedures.Preparation of credit applications (financial statement, industry analysis) and presentation of recommendations to the Group Credit Lending Committee.Built and maintained relationships with company Financial Directors and Management Accountants in order to support their forecasts, budgets, management accounting and other financial information.Reviewed credit facilities provided to clients (Forex, Short Term Loans, Long Term Loans) and ensured the portfolio was adequately managed.

Certificate, Executive Board Readiness Program- Board Diversity Network

https://www.linkedin.com/company/board-diversity-network/

Certified Internal Auditor (Cia), Auditing

Six Sigma Greenbelt For Service Organizations

Master Of Business Administration (Mba)

Risk Management Certification, Risk Management

Bcompt Honours, Accounting And Finance

Bachelor Of Commerce (Bcom), Accounting And Finance