Finance & Banking — ERM Practice

Enterprise Risk Management.

The parent practice for the finance vertical. Five sub-practices, one team, four decades inside banks and capital markets firms.

Enterprise Risk Management at OfficeBeat is built by people who ran risk functions inside U.S. banks and capital markets firms — not by people who read about them. We focus on the risk types where finance institutions actually lose money or trust: credit, operational, cyber, third-party, and treasury-and-liquidity. Each of the five sub-practices below stands on its own. They share a common thread: practitioner-grade work product, regulator-ready evidence, and zero theater.

Credit Risk

Credit Risk

Wholesale, commercial, and consumer credit risk — strategy, model risk, portfolio analytics, and regulatory remediation.

Capabilities

  • Credit policy and limit framework design
  • Model risk management (SR 11-7 alignment) and model validation
  • Portfolio risk analytics, concentration risk, and stress testing
  • CECL / IFRS 9 ECL methodology review and remediation
  • Counterparty credit risk for trading books and derivatives
  • Credit underwriting standards for fintech and embedded lending partnerships

Sample deliverables

  • Credit risk maturity assessment with prioritized gap remediation
  • Model validation reports and findings packages
  • Updated policy, limits, and delegation-of-authority documents
  • Board-ready credit risk reporting templates
  • Stress testing playbooks (CCAR, DFAST, internal)

Talk to us about Credit Risk →

Operational Risk

Operational Risk

Operational risk frameworks that actually work in the front office — not just slideware for the audit committee.

Capabilities

  • ORM framework design and operating model
  • Risk taxonomy, RCSA (Risk & Control Self-Assessment) build-out
  • Key Risk Indicators (KRIs) and risk appetite operationalization
  • Operational loss data program and external loss benchmarking
  • Scenario analysis and tail-risk modeling
  • Front-line risk culture and the three-lines-of-defense reality check

Sample deliverables

  • End-to-end RCSA refresh with control rationalization
  • Operational risk capital methodology and AMA / SMA review
  • KRI suite with thresholds and reporting cadence
  • Scenario library and quantification approach
  • Risk culture diagnostic and remediation roadmap

Talk to us about Operational Risk →

Cyber Risk

Cyber Risk

Cyber risk as a business problem — quantified, prioritized, and tied to enterprise risk appetite. Not a control checklist.

Capabilities

  • NIST CSF 2.0 and FFIEC CAT maturity assessment
  • Cyber risk quantification (FAIR-based loss modeling)
  • Third-party cyber risk (a deep TPRM crossover — see TPRM section)
  • Incident response readiness and tabletop facilitation
  • Cloud and SaaS attack-surface review
  • Board and regulator-ready cyber risk reporting

Sample deliverables

  • Cyber risk maturity report aligned to NIST CSF 2.0
  • FAIR-based top-10 cyber loss scenario quantification
  • Incident response runbook and red-team / purple-team plans
  • Cyber risk reporting pack tied to enterprise risk appetite
  • SEC cyber disclosure readiness gap analysis

Talk to us about Cyber Risk →

Third-Party Risk

Third-Party Risk (TPRM)

TPRM aligned to SR 23-4 / OCC — designed to scale across hundreds of vendors without grinding the business to a halt.

Capabilities

  • SR 23-4 / OCC interagency guidance gap assessment
  • Vendor inventory, criticality tiering, and risk-based due diligence
  • Concentration risk, fourth-party risk, and nth-party risk
  • Contract risk language review and remediation
  • Ongoing monitoring program and continuous risk scoring
  • Vendor risk technology selection and implementation

Sample deliverables

  • TPRM program assessment with regulator-grade evidence pack
  • Vendor tiering criteria and risk-based diligence playbook
  • Critical vendor exit plans and concentration risk view
  • Contract language remediation packets
  • TPRM technology selection memo (Aravo, Prevalent, OneTrust, etc.)

Talk to us about Third-Party Risk (TPRM) →

Treasury & Liquidity Risk

Treasury & Liquidity Risk

Treasury services modernization plus liquidity, IRRBB, and FX risk — from cash operations to ALCO-grade analytics.

Capabilities

  • Treasury services strategy: cash management, payments rails, deposits
  • Payments rails diligence (ACH, RTP, FedNow, wires, SWIFT)
  • Liquidity risk: LCR, NSFR, intraday liquidity, contingency funding
  • IRRBB and FX risk frameworks
  • Treasury operations risk and controls
  • Treasury technology and TMS evaluation

Sample deliverables

  • Treasury target operating model and product roadmap
  • Payments rails strategy and FedNow / RTP go-to-market plan
  • Liquidity risk framework and contingency funding plan
  • IRRBB / FX risk methodology refresh
  • Treasury controls heatmap and remediation backlog

Talk to us about Treasury & Liquidity Risk →

Where to go next

Program Management

Where risk programs need execution muscle — large delivery, PMO, regulatory remediation.

M&A Practice

Risk-led diligence, integration, and restructuring for financial institutions.

Risk Maturity Assessment

10 questions. Scored result. Three specific next moves. Free.

Ready to talk?

A practitioner takes the first call — not an SDR, not a chatbot. 60 minutes, no obligation.

Request a call team@officebeatllc.com