Consultant for establishing and reviewing operational risk frameworks in banks, broker-dealers, non-banking financial companies (NBFCs) and non-government organizations (NGOs). More than 25 years experience in banking across a range of products including 19 years in operational risk management.

Global second line responsibility for the identification, management and mitigation of operational risk across all Financial Markets processes and products on an end-to-end basis – this involved, among other things: Assessment of gross & residual risk through the identification of key points of failure  Evaluation of control design & effectiveness  Facilitating the compilation of risk registers Review of product papers Macro analysis of operational risk losses Conducting root cause analyses of material operational risk events Assessing external events against the Bank’s operational risk management platform.

Geographic governance responsibility from an operational risk perspective across Financial Markets (including Capital Markets), Corporate & Transaction Banking and Corporate & Principal Finance. The responsibility covered operations both in countries where the Bank had a physical presence (14 in Africa and 8 in the Middle East & Pakistan) and in countries where the Bank operated but did not have a physical presence. The regions of Africa and the Middle East represent a special challenge in terms of a large geographical area and diversity (of culture, infrastructure, banking practices and different levels of market evolution). The responsibilities involved were the same as those for South Asia mentioned below but with a few additions: Managing operational risk across both conventional & Islamic banking products and in both presence & non-presence countries Undertaking due diligence exercises for proposed acquisitions and facilitating the integration of acquired entities.

Geographic governance responsibility from an operational risk perspective across Financial Markets (including Capital Markets), Corporate & Principal Finance and an Asset Management Company (Mutual Fund). The responsibility covered operations primarily in India but in other South Asian countries as well. The responsibilities involved: Increasing the level of awareness of risk and helping create the right culture within the Business and Support/ Control units Reducing the level of operational risk without impacting growth and efficiency  Reviewing key processes and products Facilitating the moving of Business operational risk committees to a higher level of debate, involvement and identification of significant risks (existing and anticipated) Putting in place an appropriate framework and standard best practices for the management of operational risk Assessing of control design and effectiveness Designing of new controls especially in the context of regulatory processes Macro analysis of operational risk losses Conducting root cause analyses of material operational risk events Regular and wide ranging interface with regulators at a senior level.

Business Planning Manager to the Regional Head of Financial Markets South Asia at STANDARD CHARTERED BANK IndiaAugust 2000 – December 2004This involved a multitude of governance and management responsibilities.• Assisting the Regional Head FM in achieving global and regional objectives in a period of fast paced growth. There was an emphasis on facilitating effective communication with the Regional Head’s direct reports and other members of the team. Assisting the Regional Head in his corporate governance responsibilities in a matrix organisation structure.• Facilitating team building and training initiatives. • Put together various presentations targeted at senior management and key stakeholders (for internal and external audiences)• Coordinating Front Office deliverables towards the creation of the operations hub in Chennai. Responsibility for business contingency planning.• Secretary to the monthly FM Executive Committee, coordinating initiatives for system functionality and enhancement, process re-engineering; coordinating reviews of product papers• Interacting with auditors and regulators – internal, KPMG, the Reserve Bank of India (RBI) and the Financial Services Authority (FSA); coordinating compliance risk management and money laundering prevention activities; assisting in gearing FM India for a CAD II Review and KPMG/ FSA Section 39 & 166 Reviews• Operational Risk – representing the Front Office at the Country Operational Risk Committee; assisting in formalising and rolling out toolkits such as Key Control Standards, Key Control Self-Assessments and Key Risk Indicators; facilitating the roll out of operational risk systems and processes such as cancels and amends• Overview of the budgeting process and ownership of cost management; writing of strategy and performance review documents• Responsibility for rolling out e-trading systems and providing technical support to the sales team.

Handling all aspects of FX Trading – covering spot, forwards and short-dated interest rates. This included a six-month secondment to the dealing room of ANZ London.

Handling all aspects of FX Trading – covering spot, forwards and short-dated interest rates.