Regulatory Risk Consultant with Banking Supervision Experience

I’m a freelance consultant specializing in Risk & Regulatory Advisory for financial institutions, bringing a rare dual vantage point from the ACPR (Banking Supervisor) and PwC (Risk Advisory). I help banks and insurers strengthen prudential frameworks, align with European supervisory expectations, and deliver pragmatic change—bridging governance, policy, data, and technology to produce audit-ready outcomes.
As a former Banking Supervisor within a Joint Supervisory Team (JST), I led and contributed to SREP workstreams covering analysis of COREP/FINREP, RWA, capital and key financial risks (credit, market) as well as non-financial risks (operational, IT, cyber). I assessed ICAAP/ILAAP, reviewed Risk Appetite Frameworks (RAF) and internal control plans, supported stress testing and thematic deep dives, prepared inspection notes, and drafted findings for implementation. I also trained newcomers and experienced supervisors on SREP methodology and spoke at an ECB workshop on banking digitalisation. This regulatory grounding means I know exactly how supervisors think and what “good” looks like.
In consulting (PwC) and now as a freelancer, I convert that insight into delivery. I run targeted gap analysis against EBA/ECB/ESMA expectations (and BCBS 239 for data governance), design or uplift prudential frameworks (ICAAP/ILAAP/RAF), and draft policies, standards and operating procedures. I have led AMOA/business analysis to build risk reporting across credit, market and liquidity, designed KRI suites (including a full credit concentration risk framework) and coordinated stakeholders across Risk, Finance and IT. On regulatory implementation, I have supported data-quality remediation and error/omission handling for EMIR Refit, ensuring robust lineage, reconciliations, and communication with clients and regulators.
I partner with CRO teams, Regulatory Affairs, Internal Audit and IT leadership to deliver measurable improvements: clearer governance and Regulatory Compliance, sharper Risk Management and Compliance controls, credible documentation for Auditing, and sustainable operating models. I also advise on IT Risk Management, IT Management, Computer Security Consulting interfaces (e.g., aligning cyber/operational risk controls with supervisory expectations) and Business Continuity Planning so resilience is embedded, not bolted on.
My approach is structured yet pragmatic: define the supervisory target state, perform risk-based diagnostics, co-create an actionable roadmap, and deliver the artefacts and routines that withstand inspection—policies, KRIs, reporting, evidence packs, and training. Comfortable working in English and French across Europe, I can act as a hands-on delivery lead, a regulatory translator between business and technology, or an independent reviewer ahead of on-site inspections.