Independent Risk & Regulatory Consulting
On-demand support across liquidity risk, market risk, stress testing and regulatory delivery – engaged directly, deployed quickly, without long-term commitment.
What I Do
I provide hands-on delivery and senior-level support to financial institutions facing regulatory pressure, delivery gaps, or resourcing constraints across liquidity and market risk. Beyond advisory, engagements involve active delivery of stress testing, balance-sheet and capital impact analysis, risk measurement, governance, and regulator-ready reporting.
Work focuses on translating regulatory requirements into practical operating models that work within existing systems and data constraints. Delivered on an interim or project basis, allowing teams to secure embedded expertise quickly without permanent headcount or large consultancy overheads.
Rapid Deployment Services
Suitable for time-critical risk, regulatory, or delivery challenges where immediate, hands-on support is required.
Liquidity Stress Testing & Stress Modelling
When regulatory expectations change, stress models require review or enhancement, assumptions are challenged, remediation is required, or stress-testing changes need to be implemented and validated.
- Build, enhancement, and remediation of liquidity stress-testing models
- Design and execution of stress scenarios and sensitivities, including severe-but-plausible and reverse stress scenarios
- Assumption calibration, governance, documentation, and approval support
- Ongoing monitoring, movement analysis, and articulation of management actions
Robust and defensible stress-testing outputs with approved assumptions and regulator-ready documentation.
Liquidity Risk Measurement, LCR / NSFR & MI
When liquidity metrics are not trusted, reconciliations are failing, movements cannot be explained, or regulatory and management reporting is under pressure.
- Enhancement of LCR, NSFR, and internal liquidity metrics, including control frameworks
- Driver-based analysis explaining movements and key contributors
- Documentation, control design, issue remediation, and tracking
Stable, explainable liquidity metrics suitable for senior management, committees, and regulators.
Market Risk Controls, VaR, Stress & Limits
When daily market risk controls are under strain, backtesting results raise concerns, exposures cannot be clearly explained, or limit governance needs strengthening.
- Governance of VaR, sensitivities, and stress metrics
- Limit monitoring, breach analysis, and escalation processes
- Backtesting analysis, P&L explain, and decision-ready escalation packs
A controlled daily market risk process with clear governance, escalation, and sign-off.
Stress & Scenario Testing Frameworks
When stress-testing approaches are fragmented, scenarios are inconsistent across the organisation, or a new or enhanced framework is required.
- Design and implementation of Stress & Scenario Testing (SST) frameworks
- Scenario inventory definition and lifecycle governance
- Reporting aligned to executive and board-level decision-making forums
A repeatable, well-governed stress-testing framework embedded into business and risk processes.
Prudential & Capital Planning Support
(ILAAP / ICAAP / ORSA)
During planning cycles, regulatory submissions, or when narrative, metrics, and management actions are not well aligned.
- Delivery support across ILAAP, ICAAP, and ORSA workstreams
- Capital and liquidity impact analysis under stress and base scenarios
- Regulator-ready narratives, documentation, and supporting evidence
Coherent, well-supported submissions and smoother internal and regulatory approvals.
Risk MI & Committee Reporting
When risk MI is late, inconsistent, difficult to interpret, or not supporting effective decision-making.
- Production and enhancement of board and committee risk MI
- Standardised templates, commentary structures, and reporting conventions
- Control steps, reconciliations, and audit trail design
Timely, consistent, and decision-ready risk MI for senior management and governance forums.
Market Data, Valuation & Model Governance
When market data quality issues arise, valuation disputes occur, audit findings are raised, or model governance requires strengthening.
- Market data control frameworks covering staleness, outliers, vendor comparison, and escalation
- Independent Price Verification (IPV) and valuation governance support
- Model risk management and validation support for valuation and risk models
- Documentation and control evidence for audit and regulatory review
A stronger control environment with fewer valuation disputes and reduced audit and regulatory findings.
AI Model Risk, Governance & Ethics
(Regulated Use)
When AI or machine-learning models are being introduced, reviewed, or already used in areas subject to regulatory scrutiny, such as credit decisions, risk modelling, pricing, monitoring, or automated controls.
- Governance and risk assessment frameworks for AI and ML models used in regulated environments
- Alignment of AI models with existing model risk management and validation standards
- Explainability, documentation, and control design suitable for audit and regulatory review
- Ethical risk assessment and human-in-the-loop control design
Controlled, well-governed use of AI models that can be explained, validated, and defended to regulators and internal governance forums.
Strengthening Risk Frameworks
I work directly with risk leaders to strengthen and operate risk frameworks in live environments. Engagements focus on improving how risks are identified, measured, governed, and communicated in practice — not on producing standalone advisory reports.
My work typically supports teams during periods of regulatory scrutiny, framework change, remediation, or when existing approaches are no longer delivering clear, defensible outcomes.
Typical engagements include:
- ORSA ownership, review, and targeted enhancement
- Design and operation of stress and scenario testing frameworks
- Risk appetite articulation and linkage to metrics and decision-making
- Executive- and board-level risk reporting and narrative support
I support firms through both steady-state (BAU) operation and periods of heightened regulatory attention, ensuring that risk processes are practical, auditable, and aligned with real decision-making.
Regulatory Confidence
Well-governed risk frameworks that stand up to regulatory review while remaining usable for senior management and boards.
Insurance Specialisation
Deep, hands-on experience across Solvency II, ORSA, liquidity risk, and pension risk transfer — delivered within live operating environments rather than advisory-only engagements.
Solvency, Liquidity & Market Risk
I provide hands-on support across solvency, liquidity, and market risk for insurers, pension risk transfer teams, and investment-led balance sheets. Engagements typically involve operating within existing risk, actuarial, investment, or finance teams to strengthen core risk processes and regulatory outcomes.
This work focuses on practical delivery — ensuring that risk metrics, stress results, and governance outputs are credible, explainable, and usable in real decision-making.
This includes:
- ORSA ownership, development, and ongoing enhancement
- Solvency stress testing design, execution, and review
- Liquidity risk frameworks and supporting metrics
- Governance over internal models, capital metrics, and key assumptions
Experience extends to working closely with actuarial, investment, treasury, and finance teams to ensure risk outputs are defensible, transparent, and regulator-ready, without adding unnecessary complexity.
Regulatory Risk & Capital Analytics
I provide hands-on regulatory risk and capital analytics support for banks and capital markets firms, typically working within risk, treasury, finance, or regulatory change teams. Engagements focus on delivering practical outcomes that meet regulatory expectations while fitting within existing systems, data, and operating constraints.
This work is not advisory-only. I support teams through delivery, remediation, and regulatory interaction, ensuring outputs are defensible, explainable, and usable by senior stakeholders.
Engagements typically include:
- ICAAP and ILAAP development, review, and enhancement
- Interpretation and implementation of Basel III capital and liquidity requirements
- Market risk analytics supporting regulatory and internal reporting
- Regulatory reporting change, remediation, and process improvement
Particular focus is placed on translating regulatory requirements into workable operating models that can be sustained in BAU and withstand regulatory review.
Banking Expertise
Hands-on experience across Basel III, ICAAP, ILAAP, and regulatory reporting — delivered within live banking environments rather than standalone transformation programmes.
Hands-On Delivery
From requirements through to UAT, I provide active, embedded delivery of risk and regulatory technology change.
Delivering Real Change
Beyond advisory, I actively deliver change. This typically involves operating as a hands-on technical business analyst or risk subject-matter expert within delivery teams, working directly alongside technology, risk, and data functions.
Engagements focus on getting change implemented — not just defined — and on ensuring that regulatory, risk, and control requirements are properly embedded into systems and processes.
Delivery capabilities include:
- Ownership and validation of business and regulatory requirements
- Model output validation and control design
- UAT execution and regulatory review support
- Risk platforms and pricing systems implementation or enhancement
- Market data governance and control frameworks
- End-to-end analytics pipelines supporting risk and regulatory reporting
This work spans the full delivery lifecycle, from initial requirements through to UAT, sign-off, and handover into BAU.
Engagement Model
Flexible Engagement
Engage directly where appropriate, or via established agencies and approved vendor arrangements in line with client procurement and governance policies.
Interim or Project-Based
Available for contract engagements including 3-month, 6-month, 12-month or fixed-term contract arrangements (FTC), with flexibility to align scope, duration and working model to client needs.
Rapid Deployment
Experienced support available quickly to address regulatory deadlines, delivery gaps or resourcing constraints without permanent headcount or long-term commitment.
Outcome-Driven
Focused on delivering clearly defined outcomes that reduce delivery risk, cost and operational friction, with transparent scope and exit.
Experience
Senior experience delivering risk and regulatory outcomes across insurance, banking, and market environments, including liquidity risk, market risk, stress testing, capital impact, valuation, and risk systems.
Comfortable operating across first and second line, and under regulator-facing timelines.
Capability Statement
Independent Risk & Regulatory Consultant. Senior risk professional providing on-demand delivery across liquidity risk, market risk, stress testing and regulatory frameworks. Proven in stabilising risk measurement, delivering regulatory submissions, and supporting teams under time-critical pressure. Available for interim or project-based engagements.
Contact
Direct enquiries for interim or project-based support:
Email: contact@signaledge.io
LinkedIn: linkedin.com/in/signaledgeanalytics
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