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Mr Cultivator

Marcelo Cruz has spent most of his career seeding op risk departments and watching them grow in an increasingly fertile landscape. Now, at Aviva, he finds himself atop a full-grown tree in need of training and reshaping. Duncan Wood reports

In US folklore, Johnny Appleseed was an itinerant frontiersman, who introduced the apple tree to the newly settled lands of the Midwest by planting and tending nurseries wherever he went. Marcelo Cruz is the operational risk discipline's nearest equivalent. At RBS in the mid-90s - when op risk was still largely unacknowledged and undefined - he planted the seeds of one of the industry's first op

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