Cv lorraine alexander-august 16

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43 Daylesford Crescent, Cheadle, Sk8 1lq

Home: (0161) 491 0751 Mobile: 07702862143 E-Mail: PROFILE ------------------------------------------------------------------------------------------------------------------------------------------------------------------ Results focused proactive & experienced (23+ years) finance professional, with significant expertise of managing complex strategic risk & regulatory change projects. Champion of interpreting & driving actions/business response required from the implications of capital and risk regulatory change. Enthusiastic, and driven, demonstrating strong leadership capabilities, and continual high quality performance and delivery. Extremely flexible with strong influencing skills & substantial experience of developing people to meet expectations of stakeholders and regulators through any challenge / pressure presented.KEY SKILLS AND ACHIEVEMENTS ------------------------------------------------------------------------------------------------------------------------------------------------------------------ Highly driven to deliver strategic change Initiatives Lead roles in major complex strategic change initiatives including: Led risk stream of Target Operating Model programme; managed commercial due diligence stream for potential Lloyds transaction; led capital action group in 2012 ensuring 0.9Bn liquidity & 0.1Bn net capital benefits to the Bank; (individual leadership & team delivery awards in 2012).

Leader for complex technical projects to manage impacts of future regulations Managed and embed Basel III from inception, budgets & plans (including obtaining initial budget of 4m); scoped, drove and enabled cross Bank data project feasibility requirements to meet compliance requirements & deliver competitive advantage.

Championing capital and risk regulations & policy Extensive regulatory and financial knowledge - lead on 1st Bank ICAAP delivery, managed Bank Quantitative Impact studies & Basel Pillar 3 Disclosures; drove research on regulatory consequences & actions including regulatory change bulletins, briefing papers provided to Senior Leaders, Executive, & Board. Strategic leadership & managing complex relationships at most senior levels Gatekeeper for Executive Risk Committee (2014-2015). Led regular dialogue for EU lobbying regulatory impacts with Chief Executives (CEO) at BBA & BSA. Changes lobbied have been implemented within UK national text; Delivery of risk and capital training for Board & Executive; Pan Finance requirements delivered for CRO/CFO/CEO and PRA; Feedback from CFO including: Lorraines enthusiasm and vigour that she has applied towards Risk and Governance Framework for Merger Day has been inspiring Catalyst for change building capital / risk management control Highly motivated to deliver continuous enhancement to development of risk & capital management framework, governance, delivered Board approved governance frameworks for merger with Britannia. Enhanced policies & MI to reflect strategic business change & ensure transparency for Board/regulators (award putting Members & Customers first 2010). Established and enabled implementation of RCSA processes ensuring risks correctly identified and monitored.CAREER HISTORY------------------------------------------------------------------------------------------------------------------------------------------------------------------ Jun 2016 present Future Williams & Glyn, Internal Audit Department Senior Audit

Manager Prudential and Enterprise Risk, 3 FTE

Responsibility for leading Prudential and Enterprise Wide audits including reporting through to Senior Management and Executive (for W&G and support to RBS audit function). Leading annual audit planning for the team with responsibility for continuous risk monitoring and independent assurance to enable the business to manage key risks. Responsibility for development of team to enable and achieve greater success.

Aug 2014 Dec 2015 Co-operative Bank, Manchester, Risk Directorate Senior Enterprise Risk and Governance Manager, 7 FTE Overall Book 40Bn Led Enterprise Risk Management reporting across Bank with 2nd line risk oversight responsibility for strategic and people risks Responsibility for reporting to and governance for Executive and Board Risk Committees including overseeing the design, implementation and maintenance of a Risk Reporting process to ensure rolling agendas and appropriate risk reports/coverage at Board and Executive

Responsibility for all Risk Directorate communications including initiatives to further embed Risk Culture across the Bank

Risk Management and Governance Framework design and embedding including Policy and Control Standards guidance, training and review of compliance RCSA process implementation and development working with business to identify and mitigate risks including ongoing oversight of control testing Managed Operational risk event and risk acceptance process across 3lod including oversight of root cause analysis of issues. Oversight of Capital Regulation Requirements project including all governance. Feedback received to date includes: (From the interim Risk Management Director H2 2015): One of the most dedicated and capable risk / finance practitioners I have had the pleasure of working with. Her robust approach to achieving results is second to none.

Key Achievement: Rebuilding the Enterprise Risk team to drive enhanced risk management across the Bank.

Jan 2013 Aug 2014 Co-operative Bank, Manchester, Finance Directorate

- Integrated Balance Sheet Management (IBSM) Manager IBSM Projects, 4 FTE Overall Book 40Bn Gatekeeper with the PRA for the Banks Capital stress testing project including interpreting and communicating all of the requirements, managing stakeholders across all levels and regular dialogue with the PRA Led requirements for Director of Integrated Balance Sheet and Capital for the Recovery Plan including identification and evidencing of future initiatives to optimize the Banks position Established and drove Prudential BAU Oversight Committee to ensure ongoing interpretation, communication & implementation of changing legislation including: Basel III, FDSF, COREP Key Achievements:

Delivery of the capital stress testing requirements Successful running of Prudential Oversight Committee Implementation of process to enable ongoing capital contributions to the BankJan 2012 Jan 2013 Co-operative Banking Group, Manchester, Finance Directorate

- Integrated Balance Sheet Management Regulatory Projects & Policy Manager, 4 FTE Overall Book 40Bn Led understanding of regulatory environment, identifying rules and future regulatory change with articulation of implications to Business, Executive and Board Managed implementation, interrelationship & on track delivery of complex cross Group regulatory & strategic change projects with key internal and external stakeholder influencing

Harmonised governance of Capital approval bodies & other key governance forums Supervised framework for key controls and standards for capital management processes.

Led the Capital Action Group in exploring & developing actions which resulted in a significant improvement in the bank's forecast capital position Key Achievements: Won Banking Risk Individual, Risk Directorate team awards & nominated for Finance award; Embedding of the Basel III Project successful transfer to first line ownership, Successful influencing to obtain senior engagement, & progress on Bankwide data Projects. Capital Action Group inputs agreed with business & embedded into plan provided 0.9bn of liquidity & 0.1bn of net capital benefits. Feedback included: Fantastic work on the Capital Action Group Lorraine - you have done a tremendous job.Jan 2011 Jan 2012 Governance, Reporting & Basel Compliance Manager, Risk Directorate 4 FTE Overall Book 60Bn

Management & delivery of Lloyds transaction Commercial Due Diligence findings

Support shaping & articulation of the evolving Risk Management Framework including appropriate risk cultures & behaviours, risk and control measurement On-going and proactive embedding of Basel III Project across the business - track record in successful management of teams to implement required regulatory business change Significant and numerous strategic and tactical delivery requests for key senior stakeholders including Finance process improvements, regulatory training and reporting initiatives Led regulatory interpretation and provided specialist input into Recovery and Resolution Planning, and Bank Individual Capital Adequacy Assessment Process (ICAAP)Key Achievements: Basel III - initiated strategic change. business plan delivery and funding of 4m agreed Successful co-ordination and delivery of all commercial due diligence findings for potential Lloyds transaction including strong networking and matrix management Sep 2007 Dec 2010 Co-operative Financial Services, Manchester Finance Directorate, Banking Risk Governance, Reporting & Basel Compliance Manager, 4 FTE - Overall Book - 70Bn

Led development & delivery of group risk/capital governance, & MI frameworks including challenge & analysis of reports, policies & MI, reporting out to Board & Senior Executive Key stakeholder risk and governance relationship management to support and influence the delivery of new risk initiatives, including translation of emerging risk & capital regulation Led monitoring of internal controls and assurance of, & insight into any risks to Corporate Strategic Plan, whilst ensuring external assurance provided to the regulator Led the planning, production, delivery & disclosure of the Banks Pillar 3 regulatory return Lead on behalf of the Finance Directorate the development and delivery of Group-wide analytical and qualitative risk, governance, capital reporting and training up to Board levelKey Achievements: Successful co-ordination and delivery of strategic and tactical requirements for FSA visits Led and implemented new risk reporting governance framework for merged entity Board Risk Management Committee gatekeeper - Led & delivered technical risk reports to Board, Board Committees, and the FSAFeedback received included: Lorraine has led a new team to deliver to an extremely high standard; Lorraine has formed a very strong relationship with the CFO and other Senior Management; Lorraine and her team have been asked to manage a wider range of responsibilities across the Finance Directorate, with a notable example of high quality delivery being the Arrow training for senior level managementJan 2006 Sep 2007 Co-operative Financial Services, Manchester Finance & Risk Division, Banking Risk & Capital Management-Specialist Risk Manager Overall Book 40Bn Led qualitative input for Bank's first Internal Capital Adequacy Assessment (ICAAP) Development, and co-ordination of CFS Technical risk and reporting frameworks including monitoring all audit actions and findings Responsibility for providing assurance of all risks to the Banks Strategic Plan Led interpretation of Basel II regulatory requirements Acted as Board Risk Management Committee gatekeeper and governance champion Design authority and centre of excellence for the Basel Operating Model, ensuring delivery and implementation of agreed strategic improvements and frameworks

Key Achievements:

Led best practice with development of Bank integrated risk & capital management framework Managed delivery of enhanced Technical risk & exposure MI to Group Board/ Executive Key lead in delivery of Banks first Individual Capital Adequacy Assessment Process (ICAAP) Feedback received included: Without Lorraine it would have been a real struggle to deliver the ICAAP. Basel II QIS delivered to internal requirements and regulatory compliance Implementation of Riskmetrics systems solutions for Treasury (agreement with FSA) Feedback received included: Lorraine has ensured enhanced Senior Management understanding of Technical risks;

June 2003 Dec 2005 Central Risk- Credit Risk Evaluation Manager, Risk and Compliance Division - 2 FTE Overall Book 40Bn Developed & embedded CFS Risk Management Policy, & enhanced governance framework

Implementation of risk appetite thresholds and tolerances Manage significant credit risk MI & co-ordinate cross-divisional risk projects

Key Achievements:

Led provision of expert specialist & best practice advice, with influencing of senior management, key stakeholders and business to embed risk frameworks

Manage Basel II credit risk requirements and Quantitative Impact Studies (QIS) for the Bank

Jan 2002 June 2003 Co-operative Bank, Finance and Compliance Division - Risk MI and Reporting Manager Drove monitoring, development of policy & reporting of Significant risks ensuring compliance with Basel II regulatory requirements, audit & turnbull actions

Development of Group-wide Significant risk reporting registers and integrated risk system Jan 2000 May 2002 Co-operative Bank, Manchester Finance and Compliance Division, Finance-Risk MI and Reporting Senior Adviser Bank Book 15Bn

Key Achievements: Enhancements to Bank wide finance & risk MI for Board and FSA with development & implementation of enhanced credit/finance models leading to cost reductions Initiated Basel II scoping for Bank with key matrix management & regulatory interpretationApril 1993 Jan 2000 Co-operative Bank, Corporate Credit Adviser & Retail Branch Manager Bank Book 15Bn

Key Achievements: Enhanced bad debt metrics and models; embedding of consolidated improved finance and risk MI across the Bank Established & managed Cheadle Branch selling to c1000 customers.EDUCATION/PROFESSIONAL QUALIFICATIONS & DEVELOPMENT ------------------------------------------------------------------------------------------------------------------------------------------------------------------ 1994 1997Manchester MetropolitanCIMA Accountancy (night school)

1989 1992Leeds Business SchoolBA (Hon) Economics and Statistics (2(ii))1986 1988The Kingsway School

4 A-Levels, 1-AO Level PAGE 1