Founder, WiRC; Head of Data Insights & Risk Intelligence, Acin
Ever since the financial crisis in 2008, Dr Mirea Raaijmakers has been at the forefront of applying behavioural science in the financial industry. She was the first psychologist ever appointed by a central bank to use her specific skillset in supervision. She led the Dutch central bank’s (DNB) supervision on Behaviour & Culture for 6,5 years. What began as an experiment became successful – The Dutch Approach. Globally DNB’s supervision of Behaviour & Culture is known as one of the most successful post-financial crisis innovations in supervision. She has worked with regulators across the globe including the ECB, NY FED, MAS and APRA in embedding behavioural insights. After DNB, Mirea worked as Global Head of Behavioural Risk Management at ING for 5 years. At ING, she was responsible for the identification and assessment of behavioural risks and steer the business towards effective mitigation of these risks. She built this capability which is now an integrated part of ING’s risk function and strategic decision-making.
Emma Parry is a senior advisor focused on conduct and culture, with a client base comprising international wholesale and digital banks, RegTechs, FinTechs and law firms. Emma draws upon 20+ years of industry experience, and a track record of successful delivery in a broad range of roles across investment and wholesale banking. Emma led Product Governance and Conduct at HSBC in a role that spanned Global Banking and Markets. She’s held programme management roles (HSBC, JPMorgan Chase, Citibank, Deloitte Consulting), COO roles (HSBC), and led global client service (HSBC). Emma was recently instructed as an expert witness on a UK High Court case involving alleged breaches of conduct risk regulations, giving her further direct exposure to the ways in which regulatory breaches can occur and the legal consequences. Having witnessed firsthand the impact of misconduct in the industry – and the detrimental consequences to customers, employees, and firms – has led Emma to her passion for partnering with clients to help tackle conduct and culture issues.