DR. YOUSEF PADGANEH
A Banking Risk Management Expert, Academician, and Speaker with Global Experience
(Post Doc., PhD, MBA, BBM, CMA, LIFA)
Success is the result of continues and non-stop efforts in achieving goals.
years of global experinces +20
:About
A senior banking executive in Risk Management and a university professor with more than twenty years of global experience. Leveraging 20+ years of professional experience. Led several risk architecture initiatives and infrastructure implementations including but not limited to Basel II&III, ALM, Operational Risk, IFRS9, Risk Rating Methodology for financial and non-financial risks. Also, An academician with more than 15 years of teaching Risk Management, Corporate Finance & Accounting, and key speaker of several regional risk conferences. In academic life, as a part time activity, I am teaching Accounting, Managerial Accounting, Corporate Finance, Risk Management for undergraduate and postgraduate student since 2002.
KEY AREAS OF EXPERTISE:
• Bank’s Target Operating Model;
• Risk Governance including but not limited to Risk Appetite Framework development & implementation, Establishing Board & Management Risk Committees, and leading First Line of Defense re-designing and implementation (A KPMG Project);
• Basel II & III with strong knowledge of Pillar I and Pillar II, ICAAP (11 years of experience from conceptual framework to full implementation and reporting to regulatory);
• IFRS9 with strong knowledge of Expected Credit Loss;
• Proven record of Model Risk management and Regulatory Stress Testing ( 2 successful regulatory stress test);
• Risk Architecture, extensive experience of implementing several risk infrastructures such as Basel II & III, IFRS9 (From conceptual to fully automated ECL), Moody’s Risk Rating for corporate and SME customers, ALM, Operational Risk, RAROC (From conceptual framework to Operational Model).
:Certificates
:Educations
• UNIVERSITY DEGREES
– PhD, Business Science, Risk Management- Miskolc University (2013)
– PhD, Banking, Preston University USA, Ajman Campus (2006)
– MBA Financial Since, Shiraz University (2012)
– MBA, Management, AUA, Sharjah UAE (2002)
• UNIVERSITY CERTIFICATES
– Leadership, Harvard Business Publishing, Harvard Business School (2018-2019)
– Post-Doctoral Certificate, Business Management, Walden University USA (2016)
• PROFESSIONAL CERTIFICATE
– CMA AUSTRALIA (2017)
• MEMBERSHIP
– Member of Board Education Committee of PRMIA -2017-2019
– Certified Member of Australian Management Accountants (MID-033016)
– Member of UAE Banks Federations Risk Management Committee (2015-2018)
— Led IFRS9 working group
— Led Basel working group
— Led Risk Management Standards Draft Review working group
:Experiences
SEPTEMBER 2002 – TILL DATE
ADJUNCT PROFESSOR
Teaching Accounting, Managerial Accounting, Corporate Finance, and Risk Management for undergraduate and postgraduate student in various University in UAE and Iran.
MAY 2020 – TILL DATE
CEO AND FOUNDER
YE RISK MGMT AND COST CONTROL PROFESSIONAL SERVICES, DUBAI, UAE
• Leading re-designing of the Target Operation Model for a Regional Bank in UAE
• Provided Risk Management and Corporate Governance training for more than 140 Board and Senior Management in Iran
• Provided technical financial risk training including Basel III.
JULY 2019 – 19 JAN. 2020
HEAD ENTERPRISE RISK MANAGEMENT AND ACTING CHIEF RISK OFFICER
COMMERCIAL BANK INTERNATIONAL (CBI), DUBAI, UAE
OCT 2011 – JULY 2015
HEAD BASEL II, RISK ANALYTICS AND OPERATIONAL RISK
COMMERCIAL BANK INTERNATIONAL (CBI), DUBAI, UAE
MAY 2008 – SEP 2011
TEAM LEADER BASEL II, IMPLEMENTATION AND RISK CAPITAL
COMMERCIAL BANK INTERNATIONAL (CBI), DUBAI, UAE
JULY 2005 – APRIL 2008
RISK MAGER AND HEAD OF BASEL II IMPLEMENTATION
BANK SADERAT IRAN (BSI), DUBAI, UAE
MARCH 2002 – JUNE 2005
MANAGER FINANCIAL CONTROLER
BANK SADERAT IRAN (BSI), DUBAI, UAE
:PUBLICATIONS
:Book
Operational Risk, A Practical Approach to Advanced Measurement
By: Yousef Padganeh, Ph.D.
ISBN-13 : 978-9380090153
:Articles
– Model Risk Management Lifecycle (Accepted paper, 2019)
– Macroeconomic Credit Risk Stress Test in Commercial Banks (Accepted paper, 2019)
– Credit Stress Testing (2017)
– Basel III impact on UAE banks (2015)
– Loss Distribution Approach: Does it work? (2013) English version by Asia Pacific Journal of Finance and Risk Management)
– An investigation into Advantages and Disadvantages of Loss Distribution Approach (2013) Asia Pacific Journal of Finance and Risk Management)
– Loss Distribution Approach: Does it work? (2013) – (Journal of Credit Review- Hungarian Banking Association -Published in Hungarian Language)
– Operational Risk Management Book – Advanced Measurement Approach (2010)
– Basel II a need for Banking Industry, Bank Quarterly Magazine, No. 43, 2008
– ICAAP, A Practical view, Bank Quarterly Magazine, No. 42, 2007
– MIS & MIT Leadership and Management, Bank Quarterly Magazine, No. 41, 2007
– Risk Management in Banking Industry, Bank Quarterly Magazine, No. 40, 2007
– Basel II and Banking industry, Bank Quarterly Magazine, No. 39, 2007
– Operational Risk Management, Bank Quarterly Magazine, No. 38, 2006 (A professional magazine in banking in Persian language)
– Change Management, Banking and Finance Monthly Magazine, Institute of Baking and Finance, UAE, 2007
– Interview in regards of future of banking industry in UAE, March 2007, Executive Magazine Lebanon.
– Basel II and Banking Industry, A new standard for Banking risk management, International congress in Risk Management, Tehran, Iran, Dec. 2007. (Selected as a top article in banking and panelist of congress)
:Confrenc/ Seminar/ Workshop
Attended several risk forums as one of the key speakers.
|
No. |
Title |
Topic |
Date |
Place |
|
1 |
Risk Forward – A Virtual Meeting | Title: CRO panel discussion: COVID-19 |
2021 |
Dubai, UAE |
|
2 |
A workshop for Board and Senior Management (140+ attended) | Corporate Governance in Banking |
2021 |
Tehran, Iran |
|
3 |
Presentation, accepted paper (ICBMF Conference, London) | Model Risk Management Lifecycle |
2019 |
University of London, UK |
|
4 |
Presentation, accepted paper (8th Academic International Conference on Multi-Disciplinary Studies and Education – AICMSE), Oxford University | Macroeconomic Credit Risk Stress Test in Commercial Banks. |
2019 |
University of Oxford, UK |
|
5 |
IFRS9 and Machine Learning | IFRS9 and Machine Learning |
2018 |
Dubai, UAE |
|
6 |
MENA CRO FROUM | Machine Learning and Credit Risk |
2018 |
Muscat, Oman |
|
7 |
The Banker Middle East (Panel) | IFRS and new regulatory changes |
2017 |
Dubai, UAE |
|
8 |
International Banking Conference (Key Speaker) | Enterprise Risk Management |
2016 |
Frankfurt, Germany |
|
9 |
Global Risk Modeling (Key Speaker) | Model Validation |
2016 |
London, UK |
|
10 |
Moody’s | Capacity planning and Risk Appetite (Panelist) |
2015 |
Dubai, UAE |
|
11 |
ORM MENA – (Key Speaker) | Operational Risk |
2014 |
Dubai, UAE |
|
12 |
Workshop (GARP) – (Key Speaker) | Liquidity Risk Management |
2013 |
Dubai, UAE |
|
13 |
4th ORM Forum (Key Speaker) | Operational Risk — AMA |
2012 |
Dubai – UAE |
|
14 |
Workshop in Credit Risk Management | Towards Internal Rating Based |
2011 |
Dubai – UAE |
|
15 |
MENA CIO Summit 2011 (Key Speaker) | Basel III impact on Banking Tech. |
2011 |
Dubai – UAE |
|
16 |
The 6th E. commerce Conf. | Risk and Pricing in Banking |
2010 |
Tehran – Iran |
|
17 |
Comprehensive seminar on Basel II- IRB | Basel III |
2010 |
Dubai – UAE |
|
18 |
International conference in e. Banking (Chairman) | Pricing strategy in e. Banking |
2009 |
Tehran – Iran |
|
19 |
The second international conference in e. Banking (Chairman) | E. banking and Risk Management |
2008 |
Tehran – Iran |
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