Mr Cultivator


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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Investment banks: the future of risk control

This survey report explores the current state of risk controls in investment banks, the challenges of effective engagement across the three lines of defence, and the opportunity to develop a more dynamic approach to first-line risk control

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