Basel II Compliance, Enterprise Risk Management Dubai, Risk Management Solutions Dubai, Credit Risk Consulting Management Dubai.

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Enterprise Risk Management (ERM)
Implementation of Enterprise Risk Management framework is a huge task and requires a well-planned and centrally-coordinated effort from all stakeholders – but the burden can be substantially eased by partnering with an organization whose implementation methodology is coherent, concise and well-integrated.

Enterprise Risk management implementation is expected to deliver value in terms of identifying and analyzing gaps between the existing risk management policies & procedures and the global best practices/Basel II guidelines and recommending the best possible solutions to bridge the gaps. The analysis will highlight the areas of enhancements and provide banks with a clear strategy to adopt the best practices in a time bound manner to comply with the Enterprise Risk Management practices.

D&B Project Methodology:

Diagnostic Gap Analysis:

Design and Development of ERM Framework & Tools:

The Gap Analysis is expected to deliver value in terms of identifying and analyzing gaps between the existing risk management policies & procedures and the global best practices/Basel II guidelines and recommending the best possible solutions to bridge the gaps. The analysis will highlight the areas of enhancements and provide banks with a clear strategy to adopt the best practices in a time bound manner to comply with the Basel II requirements.

Implementation Support:

The objective of this stage is to provide implementation support for CDL based on the procedures & tools developed in the phase 2. In this phase D&B will implement the framework for risk identification, measurement and mitigation of all the major risks arising out the business of CDL.

Core objective of the phase is to provide a reasonable degree of assurance to the Board of Directors (BOD) that the risks threatening CDL’s achievement of its vision are identified, measured, monitored and controlled through an effective integrated risk management framework covering credit, market, operational, interest rate, liquidity and other material risks.

To formalize and communicate the CDL’s commitment to achieving information objectives of timely provision of information for decision making
To formalize and communicate the CDL’s commitment to achieving compliance objectives of remaining fully compliant with regulatory requirements of the Central Bank of Nigeria and other regulatory and legal requirements that are relevant and applicable to CDL
To formalize and communicate the CDL’s commitment to aligning risk strategies to support business objectives
Communicate CDL’s commitment to adopt ERM framework and international best practices in relation to risk management in a planned manner over time.

Basel II Implementation

Implementation of Basel II is a huge task and requires a well-planned and centrally-coordinated effort from all stakeholders – but the burden can be substantially eased by partnering with an organization whose implementation methodology is coherent, concise and well-integrated.

D&B offers just such an approach. Our five-phase methodology assists banks in evaluating and establishing critical components of Basel II:

Board level governance framework
Risk rating models & validations
Operational policies & procedures
Data and IT infrastructure
Economic Capital Modeling

D&B’s Five-Steps Implementation Methodology
D&B’s unique implementation methodology span the entire life cycle – from an initial gap analysis, through implementation, and on to the establishment of ongoing monitoring mechanisms:

Our approach is designed with migration to a state-of-the art ERM infrastructure in mind.

D&B’s Key Offerings in Basel II:
D&B helps banks to implement advanced Basel II framework. Our specific services which integrate well with the key components of a Basel II Framework are as follows:
Governance, Policies Review & Assessment	Data Analytics & IT Solutions
Diagnostic Review & Implementation Roadmap We conduct Basel II business and data gap analysis and develop remediation plans to mitigate the identified gaps. We lay down the overall solution framework for Basel II compliance and prepare a clear, yet comprehensive implementation roadmap covering the various stages of implementation. Governance & Policies Framework We help to establish risk management governance framework covering board and senior management oversight, risk committees, roles and responsibilities, risk strategy, and audit control. We also help in establishing comprehensive primary and secondary risk management policies and processes to meet the Basel II requirements.	Data Adequacy Analysis We perform data adequacy analysis and help in establishing the underlying data requirements. Data Analytics We develop logical data models and functional architecture for a Basel II ‘engine’ and establish assurance around the quality and fitness of data. IT Solutions Implementation Support We provide program management support for Basel II IT solutions implementation - ensuring that the solutions selected for implementation meet the requirements and are implemented efficiently and effectively.

Risk Analytics & Models Validation	Training, MIS and Reporting
Risk Analytics We develop Basel II-compliant credit, market and operational risk measurement models, capital computation methodologies and also estimate credit risk parameters PD, LGD and EAD. Rating Models Development & Validation We develop credit rating / retail scoring models and assist in the establishment of comprehensive model validation mechanisms and stress testing, back testing techniques.	Regulatory and Senior Management Reporting We establish robust management information systems with the relevant information captured and reported to the board of directors and senior management in a timely manner. We help in establishing comprehensive regulatory reporting and disclosure norms. Workshops and Training Programs We work with you to assess skill gaps and development needs and can provide extensive training, workshops etc to personnel at all levels – from front-line staff to senior management – and conduct workshops on selected Basel II operational components.

Pillar II Assessment and Economic Capital Modelling
Pillar II Risk Assessment & Economic Capital Modeling We perform comprehensive assessment of capital computations and assess the risks which lie outside the Pillar 1 process. We establish economic capital modeling framework and quantify the risks that are part of the Pillar 2 assessment. Internal Capital Adequacy Assessment Process (ICAAP) We design and develop banks ICAAP statement and establish processes for preparation and submission of the statement to the regulator.