RISKPRO INDIA • Riskpro is India’s first national practice dedicated to risk management services and training, corporate governance, and global regulatory compliances • Risk can be defined as a prospect of loss or reduced gain that can adversely affect the achievement of an organisation’s objectives • When greed overtakes need, it spells trouble. Manifested as ‘bankruptcy’ in much of the developed world and ‘corruption’ closer to home, greed has clearly disrupted some major industrialised economies and enhanced the risks of doing business • In today’s world, risks are not few. The reason companies so often fail to systematically manage their key risks is rooted in the way they define the risks they face. Risks are manageable and the answer to untapped business opportunities that lie dormant waiting for risk factors to turn favourable • Riskpro was founded in 2009 with offices in Mumbai, Delhi, and Bangalore and it has already added eight member firms in Ahmedabad, Agra, Chennai, Gurgaon, Hyderabad, Jaipur, Ludhiana, and Pune. All our offices and member firms are well equipped and staffed with qualified professionals viz. CA, CWA, CS, CPA, CIA, CISA, CFA, and MBA • Riskpro’s founders are qualified risk management specialists with extensive work experience in Europe and USA in several industries and financial institutions • Riskpro aims to be the preferred service provider for large and medium enterprises on risk protection, corporate governance, and global regulatory issues; delivering state-of-the-art quality and timely services at viable rates RISKPRO SERVICES • Our four major practice specialisations /service lines are:  Risk: Enterprise Risk Management (services and training & recruitment)  Governance: Corporate Governance and Transparency  Compliance: Global and Indian Regulatory Compliances  Training: in all of the above service lines • The Risk Practice deals with all classes of risks and processes viz. governance, strategic, systemic /infrastructure, compliance, reporting, and financial reporting. Processes require that key risks are properly identified, measured, monitored, controlled, and reported. Processes may also require tools like risk based internal audit, information security testing, and fraud investigations, to be employed • The Governance Practice deals with corporate oversight and risk governance issues within an organization including business continuity planning, compliance with SEBI guidelines by listed companies, regulations relating to independent directors, investor expectation and protection, Clause-49 on corporate governance, etc • The Compliance Practice covers a wide range of regulatory and environmental compliances including Sox, IFRS, Solvency II, Basel II /III, Corporate Laws & Direct Tax Code etc • The Training Practice comprises of a variety of structured and /or industry specific training programs and modules designed and conducted by Riskpro experts and trainers at onsite (client or other off

1. Basel II Advisory and Technology
Riskpro, India
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2. Who is Riskpro… Why us?
ABOUT US MISSION
 Riskpro is an organisation of member firms
around India devoted to client service  Provide integrated risk management
excellence. Member firms offer wide range consulting services to mid-large sized
of services in the field of risk management. corporate /financial institutions in India
 Currently it has offices in three major cities  Be the preferred service provider for
Mumbai, Delhi and Bangalore and alliances complete Governance, Risk and Compliance
in other cities. (GRC) solutions.
 Managed by experienced professionals with
experiences spanning various industries.
VALUE PROPOSITION DIFFERENTIATORS
 You get quality advisory, normally delivered
by large consulting firms, at fee levels  Risk Management is our main focus
charged by independent & small firms
 Over 200 years of cumulative experience
 High quality deliverables
 Hybrid Delivery model
 Multi-skilled & multi-disciplined organisation.
 Ability to take on large and complex projects
 Timely completion of any task due to delivery capabilities
 Affordable alternative to large firms  We Hold hands, not shake hands.
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3. Risk Management Advisory Services
Basel II/III Advisory Corporate Risks Information Security
 Market Risk  Enterprise Risk Assessment  IS Audit
 Credit Risk  Fraud Risk  Information Security
 Operational Risk  Risk based Internal Audit  IT Assurance
 ICAAP  Operations Risk  IT Governance
 Forensic services
SERVICES
Operational Risk Governance Other Risks
 Process reviews  Corporate Governance  Business/Strategic Risk
 Policy/ Process Review  Business Strategic risk  Reputation Risk
 Process Improvement  Fraud Risk  Outsourcing Risk
 Compliance Risk  Forensic Accounting  Contractual Risk
Training Recruitment
 Banking – E Learning  Virtual Risk Managers
 Corporate Training  Full Time Risk Professionals
 Regular Risk Management Training  Part time Risk Professionals
 Online Training material
 Risk Managers on call – free
 Workshops / Events
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4. Risk Management Framework - Basel II
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5. Basel II – Implementation Approach & Methodology
Basel II Project Management
Risk Management Basel II Tools and
Foundation Framework Calculators
• Establishing Risk • Pillar I • Reporting Templates
Governance Governance • Credit Risk
• Market Risk • Capital Computation -
• Risk Policies and • Operational Risk Excel based tools
Technology Procedures
• Pillar II • Risk Monitoring – Excel
Data • Risk Appetite/ Tolerance • ICAAP Policy based tools
Framework
• ICAAP Framework • To measure and
monitor Credit, Market
Models • Assistance in setup of a and Operational Risk.
• Pillar III
competent Risk
Management Team • Disclosures and
templates for reporting
Processes
Basel II Implementation and USE Test
Reporting, Monitoring and Control
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6. Basel II Implementation – High Level Implementation Roadmap
• Diagnostic study of current procedures & operations in place at thebank
• Preparation of guidelines for management of credit risk
• Develop framework to estimate Credit Risk Capital
• Capital Computation as per Basel II
Credit Risk • Designing Investment Policy Framework
• ICAAP assessment methodology
• Gap Analysis of Market Risk Management practices
• Liquidity Risk Management
• Interest Rate Risk Management
• Equity Risk Management / FX Risk Management
• Commodities Related Risk Management
Market Risk • Market Risk Capital Measurement - “VaR” based risk measurements
• Market Risk Limit Management
• Market Risk Reporting Requirements
• Development of Risk & Control Self-Assessment (RCSA) Framework
• Development of Loss Event (LE) Framework
• Development of Key Risk Indicators (KRI) framework
Operational • Operational Risk Appetite /Tolerance framework
Risk • Operational Risk Capital Computation – BIA/TSA/AMA
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7. Operational Risk Management – Our Offerings
• Basel II Framework for ORM • RCSA Workshops • Risk Management Training
• TSA / AMA Framework and • Risk Register for Banking • AMA Training
Documentation including and Non Banking Entities • Modeling AMA using Excel
Policy and Process Notes • KRI Framework & Library • Fraud Risk Training
• Stress testing and Scenario • Risk Analytics and Risk
Analysis • KYC/AML Training
Reporting
• ICAAP Policy • Free Webinars on Risk
• Review and enhancement of management
Enhancements Loss and Event Reporting
• Recruitment of Basel II framework • Corporate training in ORM
experts • Outsourcing Risk • ORM / RCSA Overview
Management • Scenario Analysis Workshop
• People Risk Tool - PRAY
Basel II Advisory – Risk Identification & Risk Training &
Operational Risk Assessment Development
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8. ORM Risk Analytics EXAMPLE
Risk Objective Risk Analytics
RCSA Analytics Risk Assessment  Heat Maps  Outstanding RCSA
 Risks dashboards  Control Gaps
 Top 10/20 risks  Compliance failures
Risk Monitoring  KRI Breaches  Issues and Action Plan
KRI Analytics
 KRI Dashboard
 Historical KRI Graphs
Loss Event Analytics Risk Tracking  Loss Analysis 8X7  Insurance Adequacy
matrix  Near Miss Analytics
 Loss Dashboard  Process improvements
Scenario Analytics Risk Predictions  Scenario Assessment  Sensitivities to VAR
results  What if capabilities
 Heat Maps
Ops VAR Analytics Risk Measurement  56 Ops VAR points  Dynamic Dashboards
 Daily VAR reporting  Benefits of
 Basel II Disclosures Insurance/BCIEF adj.

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9. Aarsh Management - Our Basel II Partners
 Aarsh Management Solutions is a dedicated Risk Management & Compliance Solutions provider for
emerging economies. It is ably backed by the R&D support of IIT Kanpur, which is an equity partner in
this initiative. IIT Kanpur is considered to be among the top few research institutions of the world.
 Aarsh’s models and tools are unprecedented in their rigor and sophistication. Most of them have built-
in learning mechanisms and hence require minimal maintenance.
 Aarsh has a team comprising world-renowned professors and professionals with thorough experience
and expertise in various aspects of a successful risk management system design and implementation.
The Aarsh team includes leading opinion makers in their respective domains of expertise.
 Aarsh offers a comprehensive suite of risk management & compliance products and solutions. Two of
them are shown below as examples.
CREDITEVAL – Crediteval not only accurately predicts the credit-worthiness of your clients in real-
Credit Risk time, but also help manage your business decisions in an integrated manner. Not
Management only is Crediteval compliant with latest Basel standards, it goes a step ahead and
designs a customized Credit Risk Management strategy for you that stands with you
for years to come.
MARKETEVAL – Marketeval is a one-stop solution for all your Market Risk Management needs. Be it
Market Risk calculation of VaR through a variety of customizable methods, or simulations, or
Management liquidity analyses, or stress-testing or calculation of Risk Capital or generating
insightful reports, Marketeval does everything with ease and flexibility within few
clicks.
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10. Basel II Engagements
 Riskpro, along with its consortium member firms has a track record of assisting the
following Banks in Implementation of various elements of Basel II.
 Aarsh has worked with banks in providing consultancy, training & handholding to
implement comprehensive Basel II risk management system.
Client Role played
 Skye Bank, Nigeria Riskpro has provided consulting and advisory with
 Oceanic Bank, Nigeria respect to Operational Risk Management, Key
 Commercial Bank of Dubai, Dubai Risk Indicator (KRI) Consulting and related
 ING Vysya Bank- India products and training.
 EXIM Bank, Tanzania Aarsh has worked with banks in providing
 Axis Bank, India consultancy, training & handholding to implement
 TAIB Bank, Kazakh comprehensive Basel II risk management system.
 Bank of Ceylon, Sri Lanka
 Hatton National Bank
 Nations Trust Bank
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11. Basel II – Case Study
Assignment Name Name of the Client
Training & Advisory on Operational Risk Bank of Ceylon
Management System
Project Requirement
The scope of work for the proposed training and advisory assignment is to assist the bank
in developing state of the art Basel II operational risk management framework
Details of Advisory Services
 Trained them in fundamental and advanced concepts on using Analytics to understand
and manage operational risk and ICAAP.
 Project team developed customized templates in excel for the bank for input analysis &
review of operational risk management.
 The team also shared Gap analysis report after studying the current risk management
program including policies, processes, IT systems and data management for operational
risk management in the project
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12. Basel III – Complete Training on Basel III Enhancements
Session Topic Key Learning Duration
Recap of Basel II and A quick recap of Basel II 2 Hours
evolution of Basel III Evolution to Basel III and key enhancements
Capital and Leverage Ratio Raising quality of the capital base 2 Hours
Complete understanding of eligible capital under Basel III
Exposure measurement and computation process
Calibration of the leverage ratio
Harmonizing liquidity Understanding of LCR, NSFR and liq. management framework 2 Hours
standards Net stable funding ratio (NSFR): measurement methodology
Impact of harmonizing liquidity standards
Countering pro-cyclicality Mitigating pro-cyclicality & the need for counter-cyclical buffer 1 Hour
Understanding enhanced securitization & CCR framework 2 Hours
Forward looking provisioning
Enhancing risk coverage
Building capital buffers through capital conservation
Total Training 9 Hours
Target Audience: Risk Management, Basel II Teams, Internal Audit / Finance Dept. Even all new
hires at lower levels can benefit from the awareness on the important Basel III developments.
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13. Basel III Training Highlights
 One of the most complex regulatory reforms for Banking Industry
 Basel III timelines extend for almost another decade. So, if you don’t
know Basel III, you will be out of conversation for next many years
 Live web based training provided by Basel experts
 Discussion of key requirements, Basel norms
 Examples calculations
 Best practices and global views / challenges
 Guidance on further reading, Basel documents / files
 Opportunity to clarify queries and specific questions with experts
 Significant impact on Banks and the Capital Markets
 Prior knowledge of basic Basel II essential some training portions can
be complex
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14. Credit Concentration Framework EXAMPLE
Credit Credit Credit
Credit Policy and
Transaction Concentration Concentration
Process
Capture Risk Monitoring Risk Reporting
•Review of existing •Evaluation of •Designing CCR risk •Developing CCR Risk
credit limit structures transaction data to appetite and breach Analytics using CBS
•Defining new CCR determine missing data thresholds and our Risk Analytics
limits •Training and •Designing escalation tool
•Documenting the awareness about matrix and process for •Rollout of various
required policy and capture of important CCR breaches Analytics and Metrics
process notes to data in correct format •Training & for CCR
effectively manage •Reports / Analytics / Management action •Establishing
CCR escalation related to formulation for effective governance structure
incorrect missing data CCR monitoring for effective CCR
•Integrating Analytics management and
software with Core oversight
Banking software to
provide reports
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15. Riskpro Clients Our Clients
Any trademarks or logos used throughout this presentation are the property of their
respective owners
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16. Team Experiences Our Experiences
Our team members have worked at world class Companies
Any trademarks or logos used throughout this presentation are the property of their
respective owners
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17. RESUMES – Our team Credentials
 Co-Founder - Riskpro
 CA, CPA, MBA-Finance (USA), FRM (GARP)
Manoj Jain
 Over 10 years international experience – 6 years in Bahrain and 4 years USA
 15 years exp in risk consulting and internal audits
 Sox Compliance project for Fannie Mae, USA ( $900+ Billion Mortgage Company)
 Specialization in Operational Risk, Basel II, Sox and Control design
 Led medium to large engagement teams
 Co- Founder - Riskpro
 CA (India), MBA (Netherlands), CIA (USA)
Rahul Bhan
 Over 15 years of extensive internal and external audit experience in India and
abroad.
 Worked with KPMG United Arab Emirates, PKF South Africa, Ernst and Young
Kuwait, Deloitte Netherlands and KPMG India.
 Worked with clients in a wide variety of industries and countries including trading,
retail and consumer goods, NGO, manufacturing and banking and finance. Major
clients include banks, investment companies, manufacturing organizations,
aviation etc.
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18. RESUMES - Our team Credentials
 Co-Founder - Riskpro
Casper Abraham
 PGD (Electrical & Electronics & Computer Programming)
 30 years of experience in Information & Communications Technology (ICT) Solutions
for Retail, Garments, Manufacturing, Services Industries.
 Has created Companies, Divisions, Products, Brands, Teams & Markets.
 Consulting in Business, Technology, Marketing & Sales & Strategic Planning.
 Advisory, Training, Workshops & Implementation in Systems Thinking, Systems
Modeling & Balanced Scorecard
 Worked with TIFR, Mahindra, Ambience, Communico-Graphique & Ionidea Inc, USA,
 Co-Founder - Riskpro
 B Tech MBA
Shriram Gokte
 22 years of audit, risk management, information security & Compliance experience
 Most recent employment with Paternoster, a UK Insurance company as Directpr Risk
& Compliance
 Worked for Principal Financial Group at their Des Moines USA HO and then Birla Sun
Life Insurance as CRO
 Strong operational process, risks, info sec and internal controls experience
 Has taken 3 companies through ISO 27001 certifications.
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19. RESUMES – Alliances Credentials
 Partner - Member Firm
Sanjeev Newar
 Sanjeev is an alumnus of IIM Calcutta and IIT Guwahati with a decade of
experience. He is the founder of Aarsh Management Solutions.
 He has extensively worked Risk Management implementation for leading firms
globally.
 He is an invited faculty to premier institutions of India in topics of finance and risk
management. He has also been writing in leading publications on finance and
economics.
 Basel II / Banking Adviser
 Amitabha is an illustrious banker with 35 years of experience with most reputed
Amitabha Banerjee
banks of the world.
 He is currently an acclaimed trainer in areas of risk management and corporate
banking post retirement.
 He is a gold medalist from IIT Kharagpur and an MBA from University of
Rochester.
 He is also a Certified Associate of Institute of Bankers. His past experiences
include extensive Banking roles, including Chief Risk Officer, at UAE Banks
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20. RESUMES - PARTNERSHIPS
 Specialist Risk Consultant – Business Continuity
Andrew Hiles
 Founder and 15-year Chairman of Survive, the first international user group for Business
Continuity professionals
 Founding director and first Fellow of the Business Continuity Institute
 Over 25 years international consulting expertise in Risk, Crisis, Emergency, Incident, and
Business Continuity and ICT Disaster Recovery Management
 Multi-sector experience including Banking, Insurance, Finance, Oil, Gas, Energy,
Manufacturing, Retail, Hi-Tech & Telecom
 Western Press Award for services to business, 1994; BCI/CIR nomination for
lifetime achievement in BC, 1999, London; inducted into BC Hall of Fame by CPM magazine,
2004, Washington DC.
 Specialist Risk Consultant – Enterprise Risk Management
Chris E. Mandel
 Highly skilled risk and insurance professional with 25 years of experience designing,
developing and implementing large, global corporate risk management programs for Fortune
500 firms.
 Principal Consultant and Founder - Excellence in Risk Management, LLC. (Texas, USA)
 Past experiences include USAA, PepsiCo, American National Red Cross ,Verizon
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21. Contacts and Office Locations
Corporate Mumbai Delhi Bangalore
Manoj Jain Rahul Bhan Casper Abraham
Director Director Director
M- 98337 67114 M- 99680 05042 M- 98450 61870
info@riskpro.in
manoj.jain@riskpro.in rahul.bhan@riskpro.in casper.abraham@riskpro.in
www.riskpro.in
Shriram Gokte Raj Sawhney
Principal - Information Risk Principal – Business Risk
M- 98209 94063 M- 99711 03510
shriram.gokte@riskpro.in raj.sawhney@riskpro.in
Ahmedabad Pune Agra
Maulik Manakiwala M.L. Jain Alok Kumar Agarwal
Associate Firm Principal – Strategy Risk Associate Firm
M - 91 9825640046 M- 9822011987 M- 99971 65253
mljain@riskpro.in
Gourav Ladha
Sap Risk Advisory
M- 97129 52955
THANKS
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