Effective governance and risk management are the foundation of sustainable growth. BT&D provides comprehensive solutions that help organizations build robust risk frameworks, strengthen governance structures, and navigate complex regulatory environments.

Our team of former Chief Risk Officers and senior risk professionals brings hands-on experience in designing and implementing governance and risk management frameworks across all major risk families and business lines. Having operated in multiple geographies and navigated numerous economic cycles, our specialists deliver time-tested best practices that drive robust, practical, and adaptable solutions.

Our Risk Management Coverage

We cover all aspects of risk management at both functional and enterprise levels, across customer segments. Our offerings include:

Functional & Customer Segment Risk

  • Credit Risk (Corporate, SME, and Retail)
  • Market Risk
  • Operational Risk
  • ESG Risk Integration
  • Model Risk Management

Enterprise Risk Management & Governance

  • ERM Framework Design and Implementation
  • Risk Appetite and Governance Structures
  • Risk Reporting, Stress Testing, and Scenario Planning
  • Board and Committee Governance

Regulatory Compliance

  • Regulatory Gap Assessments and Compliance Framework Design
  • Financial Crime Prevention, including AML/CTF, TBML, and Sanctions Compliance Programs
  • Customer Due Diligence (CDD) / KYC Enhancement
  • Leveraging Reg-tech to streamline Compliance and Reporting
  • Internal Audit Enhancement and Risk-based Assurance Programs

Specialized Risk Services

  • Policy and Procedure Manuals
  • Portfolio and Process Reviews
  • End-to-End Process Redesign
  • Product and Credit Programs
  • Credit Risk Review Function Design
  • Credit Approval/Underwriting Strategies and Scoring
  • Credit Administration
  • Collection and Remedial Management
  • MIS and Systems Support
  • ALCO, Liquidity Management, and Funding
  • Operational Risk Management Frameworks
  • Basel III (including finalized reforms) Implementation

Risk Capacity Building

In designing and delivering programs that support our clients’ risk strategies, we work closely with senior management and L&D teams to develop comprehensive plans that strengthen organizational risk capability, embed best practices, and ensure effective application across the business.