Our Services

Risk Management

We help you excel at managing risk

Risk management of quality ensures your company’s financial stability, a proactive approach to upcoming regulation, calculated risk taking and that your regulatory reputation is intact.

We provide consulting services across all risk types and in all steps of the risk process and can help you develop or review;

  • Risk Framework: Together with your internal stakeholders we define your risk framework including risk appetite, risk strategy and risk policy
  • Risk Modelling: Developing risk models to quantify risk and capital requirements, from data management, to model design, calibration of estimates, running calculations and interpreting regulation
  • Model Validation: Validation of risk models to ensure accuracy in outcomes and regulatory compliance
  • Risk Quantification: Running risk reporting, stress-testing and scenario analysis on your risk exposures
  • Capital & Liquidity Adequacy: Ensuring your assessment of risks to capital and liquidity is completed, documented and in line with regulation and SFSA expectations.
  • Education: Supporting you in ensuring that your organisation has updated knowledge and competence, from Board of Director’s to specialists

Example of risk management assignments

  • We have assumed interim roles as market risk analyst within several of the Nordic insurance groups
  • We have provided strategic and operational expertise in developing a framework for risk management and business continuity to an international industrial group
  • We have audited credit risk models, ICAAP & ILAAP and covered bond issuance on behalf of an internal audit function
  • We have uphold the risk control function within several Swedish credit institutions

Regulatory Advisory

We help you navigate the regulatory landscape

The regulatory requirements are extensive in scope, detailed in nature and ever changing. Non-compliance can result in sanctions with impact to both the company’s reputation, business model and brand. 

To ensure regulatory compliance and support in this dynamic environment we offer support in;
  • Regulatory Monitoring: Ensuring all upcoming regulations are identified, understood and managed
  • Regulatory Gap-Analysis: Ensuring deficiencies in relation to current regulation is identfied and managed
  • Regulatory Applications: Developing your application for regulatory license from the SFSA
  • Regulatory Advisory: Liasing with regulatory authorities and provide advice on regulatory interactions
  • Internal Governance: Addressing governance matters and providing expert guidance on best practices to enhance your organization’s overall performance
  • Policies and instructions: Crafting policies and instructions tailored to your business, aligning with regulatory requirements and governance standards 

Example of regulatory ADVISORY assignments

  • We have performed a regulatory due diligence of a SFSA-licensed entity being acquired by private equity
  • We have supported Swedish start-ups in their payment institute application process with the SFSA
  • We have provided advisory services in relation to size of Pillar 2 guidance and capital planning buffers
  • We have provided advisory services in relation to the Basel III accords and the Solvency II regulation

Treasury

We elevate your financial strategies

Treasury are the nerve center of financial management, encompassing a broad spectrum of functions vital to the institution’s stability and profitability. 

Our consulting services cover a wide range of treasury activities, guiding you through every facet of effective treasury management. We can assist you in developing or refining:

  • Asset & Liability Management: Ensuring your assets and liabilities are well-balanced to optimize financial performance and minimize risks
  • Funding Management: Developing strategies for acquiring necessary funding while minimizing costs and risks
  • Liquidity Management: Implementing strategies to maintain optimal liquidity levels, ensuring your business can meet its financial obligations
  • Risk Management: Developing and implementing risk management strategies tailored to your specific business needs, encompassing a wide array of risks including market, liquidity, credit, and counterparty risks
  • Risk Measurement: Utilizing tools and techniques to quantify and assess various risks, enabling informed decision-making
  • Regulatory Reporting: Ensuring timely and accurate reporting to authorities, demonstrating compliance with applicable regulations

Example of treasury assignments

  • We have fulfilled the role as Head of Treasury during an interim period in a Swedish credit institution
  • We have implemented IRRBB-models and reporting for a Swedish credit institution
  • We have acted as Interim Treasury Analyst for a Swedish credit institution

Advisory

We specialize in delivering advisory in Risk Management, Regulatory, and Treasury related questions. From crafting strategic initiatives and risk appetite frameworks to SFSA applications, our dedicated team offers comprehensive support tailored to your specific needs.

Interim

We help our clients bridge temporary resource gaps. Whether you need a Risk Analyst, Head of Treasury, or a CRO our team has long dated experience from roles at various levels in credit institutions, investment firms, payment companies and the insurance sector. The seniority of our experts and their collaborative mindset supports a seamless integration into your team.

Outsourcing

We provide efficient and effective outsourcing services for companies who have not yet reached a size or complexity where full time risk and control functions can be motivated. Our services are built upon being present and available for our clients and our capabilities stem from our consultants having run risk functions for more than a decade.

Hire us

The next time you need risk consulting services – Reach out and we’ll come up with a proposal for your consideration.

Reach out to:

Fredrik Stenbeck
+46 (0) 76 393 13 23
fredrik@riskandregulatoryadvisory.com
Nybrogatan 6, 114 34 Stockholm