Patrick John Ring
Glasgow Caledonian University
Patrick John Ring is a qualified solicitor who holds an LLB (with distinction) from the University of Edinburgh, a BA (Hons) (First Class) Social Sciences from the Open University, an MSc Applied Social Research (with Distinction) from the University of Stirling and a PhD in Pensions Policy from Glasgow Caledonian University. He is also a Member of the Chartered Institute for Securities and Investment and an Associate of the Pensions Management Institute.
His teaching and research interests include financial regulation and compliance; operational risk management and culture in financial services; trust in financial services; pension policy and reform; financial education and awareness; and retail consumers in financial services.
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Operational risk and the three lines of defence in UK financial institutions: is three really the magic number?
This paper examines the three lines of defence in the context of ORM in UK financial institutions.