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PROFILE ROYAL & SUNALLIANCE

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Royal & SunAlliance is taking a very down-to-earth approach to both the measurement and management of op risk. The firm, the second largest commercial insurer in the UK and a top-three motor and household insurer, isn’t under the same kind of regulatory pressure to implement op risk systems as banks are at the moment. But risk management executives at the firm know the EU’s Solvency II regime, which would impose a Basel II-like structure on insurance companies in the region, will come into being

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