Better Liquidity Decisions: Integrated Risk and Regulatory Metrics

Simon leads the Prudential Capital and Risk team at UK Finance, which focuses on influencing the implementation reforms to capital and liquidity requirements in the UK. He leads UK Finance's work on the senior managers' and certification regime (SMCR), which seeks to improve bank-wide governance and culture, and has extensive knowledge of prudential regulatory architecture.

He is also interested in operational resilience and different types of bank capital and funding instruments such as bail-inable and covered bonds and securitisation structures. His banking background is in fixed income sales, trading and origination as well as energy and aerospace project finance. He is liveryman of the Worshipful Company of International Bankers and is a former member of the European Banking Authority's Banking Stakeholder Group.

With over 15 years of expertise in the banking and financial sector, Lazhare Djeffal, Director, Technology Sales Support, Wolters Kluwer FRR, specializes in risk assessment, risk mitigation, and profitability analysis. Throughout his extensive career, he has offered both technical and financial guidance for the development and implementation of risk management programs in financial institutions of all sizes.

Lazhare's extensive knowledge and experience make him a trusted advisor in the financial risk management domain, helping institutions navigate and prepare for both current and emerging risks.

I am currently working for Triodos Bank, a leading expert in sustainable banking with a mission to make money work for positive change. The bank achieves this through strict lending criteria focussed on ensuring that the money used by clients is targeted at positive environment or social projects, for example renewable energy generation, healthcare & social housing. My current role involves managing a team which is responsible for producing the bank’s ICAAP and leading capital management activities as well as the production, review and sign off of all financial regulatory returns to the PRA and Bank of England. A key focus of my role over the last 15 months has been the implementation of the Wolters Kluwer Onesumx platform at the bank.

I started my career at the Financial Services Authority on their graduate scheme in 2010, moving to the PRA when the FSA was split into the FCA and PRA. During this time I worked across a number of different functions including supervision of insurers and building societies as well as the accounting policy team. After leaving the Bank of England I took a number of roles with a focus on regulatory reporting, working at HSBC, Barclays and JP Morgan. I am a chartered accountant with the ICAEW.

Charles has over 20 years of experience working in financial services. Recent roles include CFO in new start-up banks (Afin Bank and before this Fiinu) together with being on the Board of the PRA/FCA Transforming Data Collections initiative.  Prior to this, Charles was Head of Financial Control at ClearBank (where the company grew from launching in the market as the first clearing bank for over 250 years to break-even) and a divisional Finance Director at Close Brothers Plc.  During his time in these roles, Charles has been responsible for building or transforming financial and regulatory infrastructure and operations, to support the growth and development of the businesses.