Jean-Pierre Dagher
Founder & Managing Partner
Strategic enterprise risk management advisor with over 20 years of experience shaping GRC strategy, regulatory alignment, and governance frameworks for financial institutions across North America, Europe, and the Middle East. Trusted counsel to executive leadership on risk appetite, compliance architecture, and enterprise-wide control environments.
Career spans Big 4 consulting engagements, senior institutional roles at a global European investment bank (VP Enterprise Risk Management) and a mid-size Canadian commercial bank, and international experience with a major international bank operating in the UAE. Recognized for advising on Basel II/III governance, regulatory remediation strategy, and risk culture transformation at the C-suite level.
Currently advises Tier 1 financial institutions and multinational corporates — including a major Canadian bank, a leading cooperative financial group, and diversified holding companies — on regulatory strategy, SOX governance, enterprise risk frameworks, and executive-level KPI & KRI reporting feeding C-suite level decision-making. Holds Six Sigma Green Belt, GRC & Compliance Specialist, and Canadian Securities certifications.
- Internal Control Enhancement & Regulatory Remediation — Led 1LOD internal control strengthening program for a Tier 1 Canadian bank's US subsidiary under OCC Part 30 regulatory action
- Enterprise Risk Management & Portfolio Analytics — Designed and implemented ERM framework for a multi-family office and at a global European investment bank
- KPI & KRI Portfolio Reporting for CRO — Designed and delivered executive-level KPI and KRI dashboards and portfolio reporting feeding CRO decision-making; built a 360° risk "radar" framework enabling real-time detection of emerging risks across all risk stripes, integrating control performance, issue management, and portfolio exposure metrics
- Audit, Assurance & SOX Compliance — Conducted comprehensive compliance audits across multiple domains for a large US manufacturing multinational
- Retail Banking Risk Assessment & Control Testing — Executed retail banking risk profile assessments for a major Canadian cooperative financial group
- Permanent Control, Governance & GRC Architecture — VP Enterprise Risk Management at a global European investment bank's North American operations
- Securities Compliance & Regulatory Liaison — Risk Senior Advisor and Interim Chief Compliance Officer for a Canadian bank's US securities subsidiary
- Commercial Credit Risk & Portfolio Oversight — Senior Commercial Credit Risk Advisor at a mid-size Canadian commercial bank
- International Banking & Business Development — Assistant Business Development Manager at a major international bank operating in the UAE
Christine Simpson
Managing Partner
Senior risk management professional with over 9 years of experience delivering large-scale integration, regulatory remediation, and governance programs across North American financial institutions. Brings a combination of deep regulatory expertise, hands-on implementation experience, and strategic advisory capability, enabling organizations to translate regulatory expectations into practical, sustainable risk frameworks.
Consulting foundation established at one of the Big 4 Consulting Firms, supporting compliance regulatory teams and initiatives including IFRS 17, model development, model validation oversight, and acquisition of external advisors. Advanced to Vice President, Enterprise Risk Management at a global financial institution, leading the design and rollout of enterprise-wide GRC encompassing issue management, RCSA, Model Risk, MRM firms, working directly with senior stakeholders and regulators across multiple jurisdictions: U.S., Canada, Brazil.
Currently anchors corporate compliance, enterprise risk strategy, and regulatory alignment for a major North American insurer. Excels at cross-functional stakeholder coordination, having delivered enterprise training to 350+ staff. Technical expertise spans SAS, R, SQL, and Power BI. Holds a Master of Science in Quantitative Risk Management (Cum Laude).
- Enterprise Risk Management Frameworks Design & Implementation — Built and integrated Issue Management into Enterprise Risk GRC solution spanning US, Canada, and Brazil operations
- Regulatory Remediation & CAP Coordination — Coordinated Corrective Action Plans for MRAs/MRIAs as first-line challenger before Federal Reserve submission
- Model Risk Management & Validation — Led end-to-end model validation in line with OSFI, FRB SR 11-7 and ECB requirements at a global European investment bank
- IFRS 17 Insurance Implementation & Model Testing — Lead tester for IFRS 17 model development for large Canadian insurance company
- Fundamental Review of the Trading Book – Market Risk — Developed and validated standardized models for Basel IV FRTB
- IFRS 9 Credit Risk — Developed and maintained IFRS 9 retail credit models (PD, EAD, LGD) using SAS
Nicolas Tran
Strategic Consultant
Experienced transformation manager with 15 years in non-financial risks, internal control, and organizational transformation. Proven track record in strengthening risk capabilities within complex financial institutions, particularly in driving risk transformation and enhancing governance frameworks. Holds a M.Sc. Finance and B.A.A. Finance from HEC Montreal. His deep expertise spans risk transformations, Data & AI Governance, GRC and internal control frameworks, and building high-performing risk teams.
His diverse experience includes roles in program and project delivery, from Subject Matter Expert to Project Coordinator/Manager to Sponsor, demonstrating his ability to lead transformative projects effectively. Before joining a Big 4 consulting firm, he held various positions in the Risk Management group of a Canadian financial institution, initially as an expert and later as a senior manager.
Recently focused on establishing Data & AI Governance and transformation governance in operational areas, ensuring organizations are prepared for major process and technology overhauls. Currently Montreal-based and available for consulting engagements.
- Data & AI Governance Implementation — Enhanced Data and AI capabilities by establishing and accelerating Data & AI Governance in a commercial bank, ensuring regulatory compliance and promoting a data-driven culture
- Collections Department Transformation Governance — Established transformation governance in the Collections department, ensuring preparation for a major process and technology overhaul
- Operational Risk Enhancement Program Sponsor — Designed and monitored a 5-year roadmap for enhancing the ORM function (1LoD & 2LoD), achieving a 100% success rate in scope, timelines, and budgets
- Three Lines of Defense Optimization — Clarified and optimized the three lines of defense model for ORM at the Group level, applied design thinking to optimize practices and tools
- GRC Convergence & Tooling — Led implementation through multiple phases including cross-functional framework alignments and IT enablement roadmap
- Basel II Operational Risk Approval — Led efforts for Basel II approval for Operational Risk at the group level ahead of final delivery to the regulator
- Archer Platform Implementation — Led the implementation of the Archer platform for the ORM Programme, specifically for the Risk and Control Self-Assessment module
Francis Truong
Strategic Consultant
Enterprise Risk Management (ERM) professional with diverse experience stemming from pension management & consulting, corporate credit risk management, and Enterprise Stress Test within investment banking. Proficient in leading strategic projects, integrating risk metrics across functions, and enhancing risk awareness.
Solid expertise across both first and second lines of defense, having led strategic risk appetite frameworks, embedded risk culture, and coordinated methodology alignment across market, counterparty, credit, and operational risk domains at globally significant financial institutions.
Holds the Financial Risk Manager (FRM) designation from GARP and Associate of the Canadian Institute of Actuaries (ACIA) designation. Actuarial Science BSc from UQAM. Canadian Representative to the International Actuarial Association and member of the Banking Sector Working Group.
- M&A Pre-Legal Day 1 Integration — Project Manager for a Canadian federal credit union; engineered the 1LoD/2LoD effective challenge process and designed a custom JIRA architecture enabling real-time milestone tracking for the Integration Management Office
- eGRC Industry Best Practice — Special Matter Expert for a major Canadian commercial bank; authored scalable governance guidelines and re-engineered the end-to-end Operational Risk Management framework, aligning taxonomies with ServiceNow architecture
- ServiceNow Risk eGRC Transformation — Led digital transformation for a major Canadian commercial bank as strategic advisor to executive sponsor and SteerCo; redesigned Risk Appetite framework and digitized core risk workflows (Identification, Assessment, Issue Management)
- Enterprise Stress Test Overhaul — VP ERM at a global European investment bank's North American operations; delivered a meaningful reduction in stressed RWA projections through conceptual assumptions realignment across market, counterparty, credit, and operational risk owners
- Strategic Risk Framework — Serves as 2LoD for Strategic Risk on the Enterprise Risk Committee chaired by the CRO at a global European investment bank; leads multi-phase change management to harmonize risk-taking activities across the enterprise
- AIRB Accreditation & IFRS 9 — Senior Advisor at a mid-size Canadian commercial bank; served as champion for the Advanced Internal Rating Approach accreditation and designed the IFRS 9 methodological framework and calculator using SAS/SQL
- Default Management & Pricing Automation — Built the Default Management System application for a mid-size Canadian commercial bank and established an automated SAS process for calculating contractual penalties across the commercial loan portfolio