Advisory Expertise

diagnostics, benchmarking and recommendations

identification, management , stress-testing and acceptance of risk; de-risking

Regulatory & Supervisory Strategy

• International licensing structure to enable target operational model
• Cross-border risk and policy frameworks, including their digitization
• Engagement with UK BoE HMT and FSA, Saudi CMA, Bahraini CBB, BaFin and German data protection authority, India Government and SEBI, UAE ESCA, Turkey BRSA and CMB, EU Commission, Fed, FDIC, FSB, IBC, GFMA, SIFMA, AFME, IIB, BBA and IIF
• GSIFIs and crisis planning, Recovery & Resolution Programs, Contagion mapping and interdependency modelling, De-risking and restructuring options

Governance & Risk Architecture

• Board and committee structuring and management
• Risk governance frameworks and delegations of authorities, risk typologies
• Policy codification and control design
• Country and subsidiary risk governance structure
• Regulatory inventory | residual risk identification and acceptance process

Transformation & Integration

• International integration experience American Express Bank | Standard Chartered and Credit Suisse | UBS
• Operational efficiency and liquidity enhancement, best practice transfer, alignment of client and system migration with legal entity amalgamation
• Greenfield and organic growth; non-organic growth Due Diligence methodology development and international M&A review
• Front system integrated cross-border app development funded by Group Innovation Board; Hackathon win as biggest business impact

Compliance Risk Management

• Former FSA CF10, Deputy CF11
• Data sharing, social media marketing and fx compliance guidelines
• Conflicts of laws in connection with local authority registration and foreign authority requests
• Compliance and reporting framework for local office
• Country risk assessment | White money strategy implementation
• Retail brokerage | advisory white-labelling opportunities

University Lecturing 

The objective of my courses was to provide students with an understanding of the necessity and the limits of regulation, technical knowledge of legal and supervisory frameworks, insight into the relevance and fundamental structures of risk management and a sensitivity to regulatory matters. This was intended to enable students —either as specialists or as responsible participants in an important and vulnerable sector of the economy— to contribute to its stability, preservation and growth. In this context, compliance management is understood as a necessary pillar of corporate culture.

At the Zurich University of Applied Sciences, School of Management and Law, I have been teaching for more than 10 years (and continue to do so) in the Bachelor of Science programmes in Business Administration, with a specialization in Banking and Finance, and in previous years also in the Master of Science programmes in Banking and Finance, for full-time, part-time and flex students, in both German and English, covering:

• Cross-border financial services activities and supervisory law, including the related management of regulatory risks
• Information and data protection law from a Swiss perspective, with a focus on cross-border information transfers and cross-border information requests
• Bank crisis management with a focus on preventive measures by regulated financial services institutions

At the Zurich University of Applied Sciences, I taught in the part-time Bachelor programme in Business Administration, specialization Banking & Finance, addressing the role of financial institutions from a holistic perspective, including instruments of risk management, sustainability principles, and regulatory initiatives, and in particular the regulatory environment and key aspects of risk, banking and process management, including:

• The ethical perspective and necessity of regulation
• Legal and supervisory requirements
• Fundamentals of corporate governance and risk management
• The role of compliance

Key focus areas included:

• Anti-money laundering prevention
• Investor and market protection
• Information protection and disclosure

At the Frankfurt School of Finance & Management, I taught a seminar on Corporate Governance within the Executive and Professional Education programme.My focus, in addition to conveying technical knowledge and preparing participants for qualification as Certified Compliance Professionals in Corporate Governance, was to enable students—while continuing their professional careers—to understand the principles of good governance and the consequences of poor governance.Topics included:

• Corporate governance: definitions, stakeholders, overall objectives and legal foundations
• Applicable statutory law and the German Corporate Governance Code
• Comparison of stock corporations (AG) and limited liability companies (GmbH): corporate bodies, articles of association flexibility vs. statutory rigidity, duties of the management board / managing directors, duties of the supervisory board, organization of the management board / executive management and supervisory board
• Liability of management board members / managing directors and supervisory board members, D&O insurance and deductibles
• Remuneration of management board members / managing directors and supervisory board members
• Rights of the shareholders’ / general meeting, information of capital markets and shareholders, corporate governance statement, and the declaration of compliance with the German Corporate Governance Code