Freelancer profile translated to English.
Back to original languageAbout Thierry-Roland
Experienced professional in financial risk management, I have a dual expertise in operational risks and credit risk, acquired within leading institutions such as POST Finance Luxembourg, Natixis CIB, and La Banque Postale. I work on complex issues of exposure monitoring (NDOD, forbearance), early warning, regulatory compliance (Basel III, IFRS 9), as well as on the implementation of robust internal control and business continuity systems.
My analytical approach, my mastery of regulated environments, and my ability to effectively communicate with business lines, compliance, and support functions make me a reliable partner for any project to secure or optimize risk within your organization.
French
Native or bilingual
English
Fluent
Can work on-site
Paris (up to 50km)
Experience
- POST FINANCE LUXEMBOURGRisk ManagerBANKING AND INSURANCEJune 2023 - July 2025 (2 years)Luxembourg, LuxembourgHybrid mission combining operational risk management activities, second-level control on processes, and active participation in a core banking transformation project (Horizon Project) as business support.Operational Risks & Internal Control:- Performing level 2 controls on key processes and regulatory compliance;- Review and update of process documentation, in collaboration with business managers;- Proposal, formalization, and implementation of new controls to strengthen the risk management system;- Participation in risk analyses: impact assessments, identification of vulnerabilities, contribution to remediation plans.Project (HORIZON) – Process Business Analyst:- Analysis of functional documentation (BRD) and gathering business needs for process redesign;- Performing FMEA (Failure Mode and Effects Analysis) on target processes;- Writing Solution Design Documents (SDD) to formalize proposed functional solutions;- Modeling business processes (AS IS / TO BE) within the Horizon project;- Performing functional tests on reconfigured processes to validate their compliance with initial requirements.
Key Challenges:
- Ensuring the reliability of the internal control system for outsourced activities;- Supporting an effective redesign of business processes, integrating a risk perspective from the design phase;- Strengthening regulatory and operational compliance (SERD, CSSF / BCL requirements).Environment:Internal control, outsourcing, SERD, risk matrix, FMEA, BRD, SDD, process modeling, functional testing, operational risks, Excel, internal GRC tools (Governance, Risk & Compliance), Luxembourg regulatory environment. - Natixis Investment Banking (CIB)Credit Risk AnalystBANKING AND INSURANCEFebruary 2023 - July 2023 (5 months)Paris, FranceMission focused on enhanced monitoring of sensitive exposures and restructuring measures (forbearance), within the framework of the NDOD (Non-Default Oversight & Detection) system, to anticipate risky situations and strengthen early detection of potential defaults.Main Missions:- Analysis and monitoring of counterparties under forbearance measures (modification of credit terms in case of financial difficulties):1) Verification of eligibility of files for the forbearance scheme according to regulatory criteria (EBA, ECB);2) Verification of correct classification of exposures in risk databases (performing / non-performing);3) Monitoring of restructuring plans, covenants, guarantees, and residual exposures.- Contribution to the NDOD system (early default detection):1) Identification of weak signals (financial deterioration, payment incidents, sectoral alerts);2) Qualitative review of risky portfolios, regular exchanges with credit and coverage teams;3) Documentation of sensitive cases and escalation to the monitoring committee.- Production of risk reports for management:1) Dashboards on forbearance / NDOD outstanding amounts;2) Indicators of credit risk evolution by type of exposure or business sector;3) Analysis of reclassification trends (performing → non-performing).Key Challenges:- Improve early detection of financial fragility situations;- Strengthen post-origination monitoring and credit system responsiveness;- Ensure compliance with prudential expectations (EBA, ECB, guidelines on forbearance and NPE treatment);- Reduce risks of unexpected default and inaccuracies in expected loss (EL) calculations.Environment:Forbearance, NDOD, Non-Performing Exposures (NPE), IFRS 9, EBA Guidelines, RWA, PD, LGD, internal credit scoring tools, Power BI, regulatory documentation.
- La Banque Postale Groupe - SiègeFinancial Risk AnalystBANKING AND INSURANCEOctober 2022 - March 2023 (5 months)Paris, FranceLa Banque Postale – RAGNAR Department (Risk, Analysis, Governance, Standards, and Risk Aggregation)SPARC Project – Redesign of the Group's Risk Management SystemMission carried out as part of the strategic SPARC program, aimed at strengthening the aggregation, reliability, and quality of risk data at the consolidated group level, to meet regulatory and internal management requirements.Main Missions:Contribution to the implementation of consolidated credit risk management:- Identification and modeling of risk metrics (RWA, PD, LGD, EAD);- Monitoring of consistency of indicators between consolidated entities and regulatory levels (solo / group);- Support for the production of indicators related to Basel III / IV standards;- Functional validation of risk data integrated into new management tools (data quality, aggregation, regulatory alignment);- Close interaction with Risk, Finance, and IT teams to ensure proper data input and structuring in the target tool;- Participation in non-regression testing, functional acceptance testing, and discrepancy control;- Preparation of reporting materials for the risk management department, permanent control, and the finance department.Key Challenges:- Strengthen risk data governance at the group level;- Improve the consolidation of exposures and prudential calculations;- Ensure alignment of metrics with ECB / ACPR requirements (SREP, BCBS 239);- Ensure the reliability of regulatory and internal reporting for management bodies.Environment:RWA, PD, LGD, EAD, COREP, Basel III, Basel IV, SPARC, group management tools, Excel, SQL, regulatory standards (EBA, ECB), risk data management.
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Education
- Master of Science in ManagementEcole de Management de Lyon (EMLYON)2017Master of Science in Management – Programme Grande École emlyon business school Parcours généraliste avec spécialisation progressive en finance d’entreprise, combinant fondamentaux du management, approche stratégique et développement des compétences analytiques et opérationnelles en environnement complexe. Contenus clés suivis dans le cadre du cursus : 1) Diagnostic financier : analyse approfondie de la performance financière des entreprises, structure bilancielle, gestion du besoin en fonds de roulement; 2) Corporate Finance : décisions d’investissement et de financement, structure de capital, politiques de dividende, fusions-acquisitions; 3) Pratique de la valorisation d’entreprise : méthodes DCF, multiples de marché, comparables boursiers, cas pratiques de valorisation en contexte transactionnel; 4) Gouvernance d’entreprise : rôle du conseil d’administration, mécanismes de contrôle, enjeux d’alignement actionnaires / management; 5) Modules complémentaires en stratégie, économie managériale, comptabilité financière, marketing, droit des affaires et gestion des risques 6) Apprentissage en mode projet, cas réels, simulations et nombreuses interventions de professionnels du secteur - Approche pédagogique : Formation orientée action, centrée sur l’autonomie, la responsabilité, l’agilité et l’employabilité, intégrant des missions de terrain, des expériences internationales et un encadrement individualisé.