1. Aon Risk Solutions
Aon Global Risk Consulting
Risk. Reinsurance. Human Resources.
Financial Institutions Risk Advisory
Operational Risk and Credit Risk advisory
Financial institutions are facing an increasingly complex regulatory and
economic environment. Dodd-Frank, CCAR and Basel III have combined with
the aftermath of
the Great Recession to create a period of intensive change and pressure on
profitability.
Regulatory capital is scarce, constraining lending and growth at the same
time as Basel III capital rules are ratcheting up mininum capital ratios.
Meanwhile, the CCAR process has introduced a high bar for paying
dividends to shareholders, further reducing the attractiveness and return on
bank stocks.
Meanwhile non-bank financial institutions have been caught up in the
changes, with several facing the kind of examination and regulation that was
previously reserved for only the largest banks.
Aon’s team of former regulators and experienced industry practitioners will
help you to navigate the myriad regulatory obstacles, accurately stress test
your organization and optimize your risk-based capital requirements.
Data analytics and data management
Effective management of customer data is critical for analyzing risk exposure
accurately. The challenge is knowing what data to collect and developing the
processes for collecting that data. Aon helps client to:
 Review their existing data collection procedures to ensure the accuracy
and completeness of management information.
 Gain a deeper understanding of their business through insightful data
analytics.
Model development, review and enhancement
Models must continuously evolve in response to a diverse range of forces
including internal business changes, changes to the regulatory environment
and emerging best practices. Aon helps clients to:
 Design and code flexible model infrastructures that are tailored to the
institution’s risk profile.
 Review and enhance existing models in response to regulatory
feedback.
We’re here to
empower results:
Please reach out to a
member of Aon’s Financial
Institutions Risk Advisory
team to learn more.
Evan Sekeris
Director & Global Lead
1.310.490.0243
evangelos.sekeris@aon.com
Jin Kang
Associate Director
1.917.946.4963
jin.kang@aon.com
Derrick Oracki
Associate Director
1.202.429.8539
derrick.oracki@aon.com

2. Aon Risk Solutions
Aon Global Risk Consulting
Risk. Reinsurance. Human Resources. 2
Model validation
Aon has extensive experience in supporting clients through in depth model review and
formal model validation. Thorough model validation increases management and
regulatory confidence in the results of models, enabling their use as important business
management tools. Aon helps clients to:
 Review and validate existing models for statistical soundness, compliance with
relevant regulation and adherence with industry best-practice.
 Produce model development plans designed to address gaps found during validation
process.
Scenario analysis
Scenarios play a vital role in enterprise risk management. The challenge many
institutions face is developing a robust scenario framework and process to ensure
effective risk coverage and potential loss estimates. Aon helps clients to:
 Develop a framework for selecting risks to evaluate via scenarios.
 Develop a robust scenario analysis process in which risk exposures are estimated
based on detailed loss descriptions and analysis.
 Challenge perceptions on extreme losses.
Why work with Aon?
Leading institutions know that the key to an effective and successful enterprise risk
management framework lies in ensuring compliance with evolving regulatory
expectations whilst simultaneously adding tangible value to the business. We
understand this too. Our team has real-world experience of being on both sides of
regulatory conversations and in developing risk management tools and processes both
as consultants, and in the industry.
A “one size fits all” is often counterproductive when working with complex financial
institutions. We believe that the key to successfully supporting our clients is for us to
understand their unique issues and approach to risk management. Our clients see us as
trusted advisors who provide in-depth advice blending regulatory insights with practical
recommendations and support.