Basel IV, capital and liquidity requirements

Bozena Gulija is a financial sector professional with primary expertise in banking regulation and risk management, whose experience spans the private and public sector across several jurisdictions (EU, Netherlands, Belgium, Germany, Luxembourg and Croatia). She has worked for private companies including ABN AMRO, Euroclear, State Street, Nordea, and Intesa Sanpaolo Group, and public institutions such as the European Court of Auditors, the Croatian National Bank, and the Institute for International Relations. Bozena has been actively collaborating with several professional and academic institutions through lectures and research projects (e.g. Warwick University, Zagreb University, IADI-BIS, Central Banking, Risk.net) and as an author and reviewer (e.g. Financial Regulation International, IFLR - International Financial Law Journal, Journal of Banking Regulation).

Svetlana Kardan is a seasoned finance executive with a wealth of expertise in treasury management and risk assessment. With an impressive background as the former HSBC Group Head of IRRBB and Stress Testing, Svetlana brings over two decades of experience to the table.

Throughout her career, Svetlana has demonstrated a deep understanding of treasury risks, balance sheet management, modeling, governance, and controls. Her acute financial acumen and meticulous attention to detail have allowed her to navigate complex financial landscapes and drive successful outcomes for her organizations.

Currently serving as the Head of Balance Sheet Management at Monzo bank, Svetlana oversees critical areas such as liquidity, interest rate risk, and foreign exchange risk. Her strategic leadership ensures the optimization of these key factors, supporting the bank’s stability and growth in a dynamic market environment.

Beyond her role at Monzo, Svetlana also serves as a respected senior treasury consultant and trainer. Leveraging her extensive knowledge and practical experience, she advises organizations on best practices in treasury management and imparts her expertise to fellow finance professionals.

With over 26 years of experience in the financial service industry, Julien is a commercially astute risk expert who understands the vital connection between people, culture and effective risk management. He has held diverse roles throughout his careers, from front-office trader to chief risk officer and transformation leader, giving him a unique perspective on the intersection of human behaviour and risk assessment.

His expertise lies in helping organisations to turn their risk, compliance, and assurance management functions into strategic business enablers while nurturing an inclusive and psychologically safe culture. He also has successfully led organisations through complex risk and compliance transformations, establishing effective risk management capabilities and governance, all while prioritising and fostering psychological safety. By delivering a stronger risk narrative for clients and strengthening their license to operate, he has shown that creating a people-centric risk management approach is not only beneficial but also a strategic competitive advantage.

Thomas Obitz, a Risk Learning faculty member, has more than 20 years of consulting experience in Investment and Commercial Banking and broader financial markets. He focuses on risk transformation and works with global banks on their implementation of FRTB. Thomas has publications on risk change and FRTB, is GARB FRM certified and has a MSc in financial mathematics.

Michael has over 20 years of professional experience. He currently advises customers as a project manager and subject matter expert on risk management, regulatory reporting and the implementation of new requirements in bank IT systems.