19 - 20 October 2016 Sasana Kijang

3 LINES OF DEFENCE

GBCDISCOURSE SERIES

2016

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Given the complexity in today’s business environment, bank employees including risk officers, compliance practitioners, business heads and internal auditors face several challenges in their duties related to risk management and controls, which are being split across various departments. This gives rise to a greater need to ensure that duties must be coordinated among those responsible in ensuring an effective internal control model is operated throughout an enterprise. The three lines of defence has become the most common benchmark for assigning risk management and control responsibilities to business functions, however there has been much debate on whether it has been effective for purpose.

The Asian Institute of Chartered Bankers (AICB) is organising the second AICB-GBC Discourse Series “The 3 Lines of Defence” on 19 - 20 October at Sasana Kijang, Kuala Lumpur. This will provide a platform for industry experts to share their views and perspectives on the various issues, challenges and possible solutions that organisations can adopt in ensuring an effective risk management and control model is in place.

The 1 1/2 day event will start with two panel sessions and a workshop on Day 1, 19 October 2016. This will be followed by a half-day compliance session on Day 2, 20 October 2016.

● In-depth understanding of the 3 lines of defence model, its overall strengths, weaknesses and challenges in managing risk and meeting compliance obligations.

● Insights to best practices that your organisation can adopt in delegating and coordinating key risk management duties.

● Enhanced understanding of effective communications and cooperation needed regarding risk management and controls in order to improve the effectiveness of risk management systems.

Overview

Key Takeaways

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● Risk and Compliance Practitioners● Internal Auditors● Heads of Departments● Human Resource Practitioners

Day 1 - Wednesday, 19 October (8 CPD Hours)08.00 a.m.

09.00 a.m.

09.10 a.m.

09.35 a.m.

11.00 a.m.

11.15 a.m.

12.30 p.m.

14.00 p.m.

Registration and Morning Coffee

Welcome Remarks

Opening Speech

Panel Session 1 – The Three Lines of Defence – Is it effective for purpose? Coffee Break

Panel Session 2 – A Conversation with Chief Risk Officers

Lunch Break

Three Lines of Defence Workshop

The Three Lines of Defence Model is good in theory but has multiple fail points in practice leaving businesses frustrated by the lack of insight, assurance and genuine challenge provided by the outcomes of the model. In this workshop we will explore industry challenges and approaches to building effective three lines of defence and the emerging role of the ‘fourth line’ which proposes to enhance communication and improve the effectiveness of challenge and review functions.

Who Should Attend

Agenda

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17.00 p.m.

This session will comprise:

End of Day 1

Breakout Working Groups to review several case studies to diagnose the issues, solution, the approach and ideate the recommended actions:

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Theme 1 (case study): to explore the effectiveness of the three lines to identify/detect the issues and to ensure that the recommended advice/change/remediation occurs.Theme 2 (case study): to explore challenges of the three LOD model in banking given the emergence of ‘embedding’ first line risk functions to mobilise second line frameworks policies and models.Theme 3 (case study): to explore continuing challenges with ‘reliance’ in the three LOD model to effectively mobilise recommended outcomes i.e. reach consensus and take coordinated action.

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Agenda

Day 2 - Thursday, 20 October (3 CPD Hours)09.00 a.m.

12.00 p.m.

Compliance Workshop 2.0 - Fact or Fiction?

In this half-day workshop, Martin Tolar will present and discuss a number of topics stemming from the 2015 Bank Negara’s directive on compliance and the publication of ISO 19600-Compliance Management Systems.

Topics include:

End of Event

How can the compliance function move from providing advice to becoming an active manager of compliance risk?How has the role of compliance profession evolved?What are the challenges of building a strong compliance culture?How can compliance better engage with the business?What is compliance 2.0?Implementing ISO 19600 Latest ISO developments.

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Martin TolarGeneral ManagerAustralian & New ZealandRed Flag Group

Martin Tolar is currently the Australian & New Zealand General Manager for the Red Flag Group. Prior to this appointment Martin has had over 10 years’ experience as a CEO, company director and Company Secretary. Martin spent nine years with the GRC Institute as Managing Director, where he has been invited to speak at a numerous local and international conferences,

particularly in relation to compliance, risk management and anti-corruption. Martin has also been a University Lecturer in economics, finance and management, and possesses a strong understanding of government and its practices due to time spent in Local and Federal Government as has participated in numerous government working parties. He is the current Australian chair of the international committee to create new international Anti-bribery standard and was the international chair of the committee responsible for establishing a new ISO compliance standard. Martin also holds a Masters in Commerce (Hons), a Graduate Certificate in Compliance Management and is a graduate of the Australian Institute of Company Directors as well as being a Certified Compliance Professional.

Speaker Profile

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Hamdi MohammedManaging DirectorAccentureSingapore

Hamdi is a Managing Director and leads the Finance and Enterprise Risk Management practice for Financial Services ASEAN. He has over 18 years of experience in the Banking and Capital Markets industries, of which at least half has been devoted to managing risk, regulatory and compliance challenges. Hamdi led the review of the corporate on-boarding

and KYC processes for leading global institutions and contributed to the ideation of the group-wide KYC program for a Global Universal bank. He also has end-to-end project delivery experience, on the overall Basel regulatory framework with the delivery and implementations of several Basel II, II and BCBS239 projects across the EMEA region.

Hamdi holds a Diploma in Engineering from the École Centrale de Lyon, France.

Speaker Profile

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Frankie PhuaManaging Director and Head of Credit & Country Risk Management United Overseas Bank

Frankie Phua is the Managing Director and the Head of the Credit & Country Risk Management Division in United Overseas Bank Limited (“UOB”). His responsibilities include credit policy, credit research, counterparty credit risk management, credit modeling, economic capital, credit portfolio management, country risk

management and stress testing.

As the Basel II Project Coordinator for UOB, he successfully managed UOB Group’s Basel II IRB implementation efforts, overseeing UOB Basel II Programme Management Office. UOB was granted approval by the Monetary Authority of Singapore (MAS) to adopt the Internal Rating-Based Approach (IRBA) for credit risk with effect from 1 Jan 2008.

Frankie is a member of UOB Group Rating Committee, the Anti-Money Laundering Committee and the Capital Working Group.

Outside the Bank, Frankie is active in the risk management community. He is currently the Chairman and a Director of the Board of the Singapore Chapter of the Risk Management Association (“RMA”) in US. He is also a member of the Financial Industry Competency Standards (“FICS”) working group in Singapore.

Frankie has conducted credit risk trainings for banks in Cambodia, China, Myanmar, Vietnam and Taiwan. He is also a regular speaker in conferences on Basel II/III. He is appointed by Risk Management Institute (RMI), National University of Singapore (“NUS”) to teach the Specialist Diploma in Risk Management. He also teaches credit risk courses for Euromoney.

Prior to joining UOB Credit Risk Management, Frankie had more than 10 years of frontline experience in corporate and investment banking gained from his tenure at leading international banks

Speaker Profile

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Speaker Profile

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Kimberley WhaleSenior ManagerAccentureSingapore

Kimberley Whale is a Senior Manager in Accenture’s Finance and Risk Services and leads the ANZ Practice for Cyber Resilience, Compliance, Conduct and Risk Culture. Her experience spans the fields of risk management strategy, development policy and program implementation, financial crime and behavioural leadership. Kimberley has worked at

global investment banks and insurers in managerial roles with regional remit, and multinational law firms, based in London, Singapore and Sydney. She is the New South Wales Convener for Transparency International’s Australian Chapter and an internationally accredited Compliance and Ethics Professional. Kimberley is also a qualified yoga teacher. Kimberley holds a Bachelor of Laws (LLB) and Commerce from the University of Sydney, Australia and a Diploma in Anti-Money Laundering from the International Compliance Association, UK.

Speaker Profile

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V. Maslamani CBChief Compliance OfficerAl Rajhi Banking & Investment Corporation(Malaysia) Berhad

V. Maslamani is a Chartered Banker and currently the Chief Compliance Officer of Al Rajhi Banking & Investment Corporation (Malaysia) Berhad (ARBM). He started his career in Bank Negara Malaysia and served in two financial institutions before joining ARBM in 2015. In his 28 years in banking, he has worked as a

regulator, auditor, handled operations, ran business and worked in risk management before specializing in compliance.

He is actively involved in industry-wide initiatives to professionalize compliance function. During his tenure as the Chairman of the Compliance Officers’ Networking Group (CONG), he was instrumental for the roll-out of accreditation for Compliance & AML qualification, staging of international conference and setting-up of ABM’s Compliance Committee. He prepared the first compliance content for FSTEP and was involved in the development of the first Industry Competency Framework under IBBM. He is currently a member of the Advisory Committee of the International Compliance Association (ICA), United Kingdom and the moderation committee of Financial Accreditation Agency (FAA).

He holds two degrees i.e. Bachelor of Accounting (Hons) and Bachelor of Economics (Hons). He is a Certified Professional in AML, a post graduate diploma awarded by ICA in association with Manchester Business School, United Kingdom. In 2015, he attained Chartered Banker certification awarded by Chartered Banker Institute, UK and AICB.

He regularly speaks in various local and international conferences and seminars.

Speaker Profile

G Ramachandran (Ram C)Country Chief Risk Officer, MalaysiaCountry Credit Head, Retail Banking, Standard Chartered Bank (Malaysia) berhad

Ram C’s main responsibilities are to ensure the bank’s risk-taking activities and related appetite is controlled, measured and supports the agreed strategic objectives, while maintaining risk management framework of the bank.

Prior to joining Standard Chartered, Ram was with Samba Financial Group as Group Consumer Credit Director for 2 years and with Citibank for 18 years. During his stint with Citibank he has held various senior roles in Consumer Banking, Risk Management, Technology and Operations Management across the group in India and Southeast Asia.

Ram C holds a Mechanical Engineering degree and a Masters in Industial Engineering and Management from The Indian Institute of Technology, Kharagpur. He is married with three children, and enjoys reading and listening to classical music.

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Speaker Profile

David Richard ThomasGroup Chief Risk Officer CIMB Group

David Thomas is Group Chief Risk Officer. The Group Risk Division oversees the risk management function of CIMB Group, including credit, market, operational, asset liability management and shariah risk, as well as risk analytics and risk infrastructure.

The Group Risk Division is responsible for ensuring the consistent implementation of the Group’s risk management policies and frameworks, including operationalizing the Risk Appetite Statement. The Division also identifies, assesses, measures, controls and reports the material risks that may impact the Group’s business operations, profitability, capital and reputation.

Before joining the Group, David served as the Chief Risk Officer – Asia Pacific for the Royal Bank of Scotland. Prior to RBS he served as the Chief Credit Officer – Asia Pacific for Bank of America. He has held various senior level risk positions based in Singapore, Hong Kong, Thailand and Taiwan throughout his 24-year tenure in Asia. He also serves on the Board of Commissioners of CIMB Niaga.

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Speaker Profile

Lim Tiang SiewGroup Chief Internal AuditorCIMB Group

Lim Tiang Siew is the Group Chief Internal Auditor of CIMB Group. He ensures that the Group Internal Audit Division supports the CIMBGH Group’s Audit Committees in discharging theirits responsibilities, as well as managing theirits governance, risk and control functions. He oversees a staff force of approximately 140 people in Malaysia, as well as regional Internal Audit functions.

Tiang Siew joined CIMB in January 1991 as an assistant manager in the Corporate Finance Department and rose to head of department. Following the acquisition of Bumiputra-Commerce Bank by CIMB and the subsequent merger with Southern Bank, Tiang Siew was appointed as Group Chief Financial Officer, a position he held for approximately two years before being appointed the Group Chief Internal Auditor.

He started his career in 1976 with a major accounting firm, where he spent some 10 years including 18 months overseas before moving into the corporate finance industry in 1987. His tenure in corporate finance involved mergers, acquisitions and fund raising transactions for some of the largest companies listed on Bursa Malaysia then. He was actively involved in the formulation and amendments to guidelines, regulations and law reforms in relation to capital market matters during his tenure in Corporate Finance.

Tiang Siew, 60 years old, is a member of the Malaysian Institute of Certified Public Accountants and the Malaysian Institute of Accountants. He is also an examiner for the Malaysian Institute of Certified Public Accountants, a position he has held for more than 20 years.

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Speaker Profile

Manu Shingal Country Risk Officer

Citibank Berhad

Manu Shinghal is currently the Country Risk Officer for Citibank Berhad since Aug 2016. He has had a total of 22 years of well-balanced experience that spans across risk governance, credit policy, portfolio management and credit operations in the banking industry.

Manu joined Citibank in 2005 in Australia and moved to Singapore and Philippines, prior to moving to Malaysia. He has held different roles in credit operations and risk management in these markets. Prior to joining Citibank, Manu held positions with Standard Chartered Bank, ABN AMRO Bank in India and UAE-based Mashreq Bank. Manu holds Master’s Degree in Business Administration from Pune University, India.

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Venue Venue : Conference Hall 1, Sasana Kijang

2, Jalan Dato Onn, 50480 Kuala Lumpur Malaysia (GPS 3°09'28.4"N 101°41'27.1"E)

Phone:+60 3-9179 2888

Contact Information Marketing & Communications Division Asian Institute of Chartered Bankers Wisma IBI 5 Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur Malaysia Tel : (603) 2095 6833 Fax : (603) 2095 2322 Email : rsvp@aicb.org.my 6

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I would like to utilise the STF Credit to pay for the above training programme amounting to RM_________________ I enclose a cheque / draft / MO / PO* No. _____________________________ for RM ___________ made payable to Asian Institute of Chartered Bankers- I enclose the receipt of the Telegraphic Transfer. Bank details are as follows:

Pay to: Asian Institute of Chartered Bankers- Account No.: 014084223041Name of Bank: Malayan Banking Berhad (Bukit Bintang Branch) Swift Code: MBBEMYKLXXXAddress: 42-2, Ground & 1st Floor, Jalan Sultan Ismail, 50250 Kuala Lumpur

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AICB-Global Banking Conference (GBC) Discourse Series 2016“3 Lines of Defence”Sasana Kijang, Kuala Lumpur19 - 20 October 2016

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AICB Member RM1,000

REGISTRATION FORM

Non Member RM1,200all prices are inclusive of 6% GST

Please complete this form and send it to rsvp@aicb.org.my before 12 October 2016.For more inofrmation, please contact Ms Hui Ling at penang@aicb.org.my or call +604 261 2619

AICB Member RM500 Non Member RM800all prices are inclusive of 6% GST

Day 1

Day 2

Registration Closing Date: 12 October 2016

University Student RM500

University Student RM250