david experience ey financial services risk prudential paris senior consultant nov 2018 present missions interim cro french factor postbrexit regulatory compliance us bank new definition default implementation strategy belgian bank bpce group natixis paris consultant consolidated analysis modeling sep 2017 nov 2018 built group internal risk referential risk materiality assessment methodology improved groups risk appetite framework strengthened link raf prr icaap strategy validated reworked reputational risk model bpce group paris consultant transversal risk analysis jun 2017 dec 2017 closed four ecb recommendations top management risk reporting delay frequency completeness exactness automatised production acpr surveys retail homeloans professional housing market datamart anaplan mpg partners paris consultant risk finance apr 2017 nov 2018 built shadow rating model corporate portfolios drafted methodology optimise accuracy expert rating model genetic algorithms developed insurance practice