Companies I've worked for
Hi, I'm Patrick
Senior Financial Risk Manager and Product Owner with over 15 years of experience across banking and insurance, specialising in capital management, balance-sheet risk, and executive-level decision support.
I have operated at executive and ALCO level, leading initiatives across market, credit, liquidity, and ALM risk. My work focuses on translating complex regulatory and quantitative model frameworks into practical, defensible outcomes that support governance, capital planning, and strategic decision-making. I bring deep experience across both the asset and liability sides of the balance sheet, including risk appetite, investment planning, and regulatory reporting in highly regulated environments.
I am known for a pragmatic, delivery-focused approach, combining strong quantitative expertise with clear communication across risk, finance, and business teams. I hold master’s degrees in Econometrics and Actuarial Science, am a certified Financial Risk Manager (FRM), and have completed advanced training in machine learning
Risk, Capital & Governance
- Capital management & capital planning
- Balance-sheet risk (assets & liabilities)
- Market, credit & liquidity risk
- Asset–Liability Management (ALM) & hedging
- Risk Appetite Statements (RAS)
- Risk governance & regulatory reporting
- Model oversight, validation & documentation
- Executive & ALCO advisory
Modelling, Delivery & Analytics
- Market Risk Economic Capital (MREC)
- Actuarial Reporting
- Replicating Portfolio (Algorithmics)
- Assets Liability Management (ALM)
- Interest Rate Risk Hedging
- Financial Risk Modelling (MATLAB / R / Python)
- Data Science
- Credit Risk Modelling
How can I help you?
Capital & Balance Sheet Risk
Valuation of instruments across both the asset and liability sides of the balance sheet, supporting capital management, balance-sheet optimisation, and executive decision-making. Strong experience in interpreting risk measures and their impact on capital, performance, and risk appetite.
Market, Credit & Liquidity Risk
End-to-end experience in market and credit risk across banking and insurance environments, including risk measurement, interpretation, and senior stakeholder communication. Proven ability to connect quantitative risk insights to treasury, ALM, and funding considerations.
Risk Governance & Regulatory Readiness
Support for robust risk governance through high-quality documentation, model oversight, and regulatory reporting. Deep knowledge of Solvency II and capital frameworks, including risk appetite statements, investment plan reviews, and defensible methodologies suitable for highly regulated environments
Product Ownership & Risk Delivery
Product Owner for risk and valuation initiatives, bridging risk, finance, and technology teams. Experience delivering scalable risk solutions and improving reporting and control processes using pragmatic, agile ways of working.