Each sector carries its own mix of risk, regulation and governance maturity. The approach stays the same: frameworks built to be run, scaled to the institution's size and stage.
Commercial banks
THE RISK PICTURE
Risk across every domain at once (credit, operational, technology, finance and governance), under layered regulation and legacy structures, with capital and liquidity standards as only one part of the demand.
HOW WE HELP
An ERM framework spanning credit, operational, technology and financial risk, including the risk appetite statement
Technology and cybersecurity risk governance
Stress testing, liquidity and ALM
Board and committee effectiveness, and bringing AI use under governance
Digital banks
THE RISK PICTURE
Rapid growth on a thin control base, with technology and cyber risk at the core and regulators expecting maturity from day one.
HOW WE HELP
A risk framework built for launch and scale
Technology and cybersecurity risk governance
KRIs and limits for fast-growing books
Oversight of algorithmic decisioning
Microfinance banks
THE RISK PICTURE
High-volume, small-ticket lending, concentrated credit and operational risk, thin margins and growing digital channels.
HOW WE HELP
A proportionate ERM framework
Operational risk and BCP
Governance and board reporting
Governance of scoring models
Fintech and payments
THE RISK PICTURE
Licensing conditions, dependence on third parties and technology, fraud, and growth that outpaces controls.
HOW WE HELP
A risk and compliance framework built to the licensing standard
Third-party and vendor risk
Cybersecurity governance
Board structures for founder-led firms
Insurance and NBFCs
THE RISK PICTURE
SECP oversight, ALM and investment risk, and governance maturity that varies widely.
HOW WE HELP
A proportionate ERM framework
ALM, liquidity and stress testing
Committee structures
The three lines of defence
Family-owned conglomerates
THE RISK PICTURE
Concentrated decision-making, related-party exposures, succession, and moves into regulated activity or capital markets.
HOW WE HELP
Board and committee structures with independent oversight
A group-wide risk framework
Policy architecture
Training for directors and management
Regulators and public bodies
THE RISK PICTURE
New mandates, public accountability, and the need to manage their own risk while supervising others.
HOW WE HELP
ERM for the institution itself
Governance and committee design
Capacity building for staff
Oversight of AI use in public services
Discuss your risk and governance priorities.
A confidential conversation about where your framework stands and what would strengthen it.
