Josh's area of expertise includes both capital and liquidity risk management. He has over 10-years of experience in finance and treasury functions in financial institutions, and latterly in prudential risk management and regulatory consulting. He has previously worked at Wyelands Bank, Barclays Capital, and Morgan Stanley.

Manish has diverse experience within the finance and regulatory reporting functions in financial institutions. He has demonstrated capability in creating impactful risk management strategies to achieve business objectives. He has previously worked as Director-Finance at Morgan Stanley and Head of Finance at Union Bank of India (UK) Ltd.  Manish specialises in regulatory reporting, financial management and accounting, demonstrating a high level of expertise in these areas.

Saalim Mahmood is CFO at Al Rayan Bank. He is an experienced leader of regulated bank finance functions and teams and has over 25 years' experience working in financial services. Prior to joining Al Rayan Bank, Saalim worked as CFO in HBL Bank UK. Saalim has extensive experience of regulatory engagement, finance transformation, mergers/acquisitions, risk management, and system implementations.

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.

James has a broad range of experience in financial services, spanning geographies and the spectrum of wholesale financial services industries. He has occupied senior positions in banks and professional services firms and has served on a number of trade association working groups and boards and has had regular engagement with regulators in the UK, Europe and the US.

He joined AG from Barclays, where he was the Head of Regulatory Relations and Policy for Barclays Bank plc, responsible for regulatory engagement, policy and advocacy across the range of businesses conducted by Barclays' investment bank as well as being responsible for managing day to day Group Finance and Treasury, operations and 2LOD engagement with the PRA and FCA.   He was responsible for regulatory engagement across matters as wide ranging as post Brexit structural re-organisations, post ring-fencing dialogue with PRA, material outsourcings (including to the cloud) as well as day to day regulatory matters.   He was also responsible for design and delivery of the regulatory engagement strategy, mediating engagement with senior and external stakeholders on supervisory matters and advising senior management on regulatory issues and approaches.

Before Barclays, James had experience in both private practice (head of the UK regulatory practice at White & Case, and regulatory partner in the UK and US for Wilmer Hale, as well as being a partner of PwC Legal where he worked for both buy-side and sell-side clients) and was also EMEA Regulatory Counsel and Associate General Counsel of the Bank of New York Mellon.

CEO for Raisin UK, Steven is a financial services leader with over 20 years in the industry. Before working at Raisin, Steven held positions across retail and commercial finance at Together, Aldermore, Islamic Bank of Britain, and HBOS. Steven has a track record in identifying high-growth opportunities and leading cultural change to deliver customer, commercial, and regulatory outcomes.