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Mr Cultivator

PROFILE: MARCELO CRUZ

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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 risk efforts. Later he dug, watered, nurtured and pruned until he had established healthy op risk

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