1. By Doing What We Designed for a FTSE 100 Company

2. In The UK Financial Services World, as it is acrossEurope, Regulatory Capital is calculated across thethree pillars or the Internal Capital AdequacyAssessment Process.The main findings of the ICAAP analysis are: how much and what composition of internalcapital the firm considers it should hold ascompared with the capital resourcerequirement (CRR) pillar 1 calculation,and the adequacy of the firms riskmanagement processes. 3. The Capital Resource Requirement (CRR) is theresult of the Pillar 1 calculation and is mainly fixedoverhead based, including winding down costs ofthe business or parts of it. Apart from accountancyefforts and a costs moratorium, there is little to bedone to assist in this area from our perspective as arisk and compliance consultancy. However, where we score and can make a bigdifference is in the adequacy of the firms riskmanagement processes. We saved a firm almost 20% of theirIndividual Capital Guidance (ICG)by helping define their riskmanagement package 4. Implement a fully operational and effective riskgovernance structure enabling the timelyidentification, mitigation and reporting of the groupskey risks along the chain of management up to theBoard of Directors Design and execute on an integrated controlenvironment coordinated across all support functionsto optimise the balance between efforts dedicated tocontrols improvement and areas of risks. Achieve the consistent integration of therisk tools and methodologies in thefirms financial processes to inform thefirms strategic decisions and ensurethat the group remains within its riskappetite across all risk categories 5. The Credit Risk system needed urgent upgrading totake in all global feeds and be tested against the BCP. The risk identification and monitoring system requiredsignificant re-structuring to remove the onedimensional aspect of the risk reporting to a multi-level COSO cube based structure a challenge withthe existing software (that had recently beenrelicensed and increased functionality applied). The Firms Risk Appetite needed to be clearlyidentified across the various risk categories anddivisions to provide a clearer point to measurevulnerabilities and prioritise risks formitigation action. The original methodof risks were confused combined werecumulative in their assessment whenthe impact should have been totalled. 6. The two risk consultants analysed the current riskdatabase and quickly identified the single facet tothe risks, calling for a complete overhaul of thelist of potential standard risks on a triple layeredstandard, providing Management Information tothe required level in a robust, consistent andappropriate standard. 7. Identification of the risks then provided a clearerand more accurate risk reporting regime whichonce identified could then be plugged into theentire business, creating business type specificscenarios for risk assessment purposes, feedinginto the ICAAP calculations. This then provided an overall and measuredrisk assessment that provided quantifiablelosses over previous qualitative measures. This had the benefit of saving over18% of the regulatory risk capitalrequirement Translating into almost 100M!!! 8. Total time spent 10 months. Resource Cost 5.3% of savings over 1 year. Resource Cost 1.06% of savings over 5 years Internal Cost approx. 350,000 Senior Management sleep value - priceless 9. You are always dealing with the principal whenyou are dealing with my firm. This means that I am therelationship manager and there is no junior partner towhom responsibility will be transferred. There is nodecreased accountability, no "hand-off" to a less-informed colleague. If your interests are at stakecontinually, shouldnt you reasonably expect mycontinual involvement? We can usually provide resources on a "just intime" basis. That is, our projects do not have to coverexcessive overhead, such as multiple offices, largeadministrative backup, recruiting, partner perks, etc.We are organized to efficiently provide everything thatyou, as the buyer needs, but nothing more than thatwhich means that you are paying for value and resultsand only minimum overhead. 10. There is more likelihood of your privacyand confidentiality being observed withfewer people working on the project. We(and/or the few people we might also involve)are constant which means that there isnt theneed to sift through dozens of differingperceptions. Were faster. We can respond to requestsquickly, and return all calls within four hourswhich means to you that there is no need toworry about a bureaucracy, delays andunknown people on the other end of thephone 11. Since we handle fewer concurrent projects thanlarger firms, our attention is focused on the job athand. This means that you dont have to"compete" with another dozen or so of ourclients, which may be larger, paying more or aremore time-demanding. We structure our work sothat every client receives maximumattention. Your investment is controlled. There is no"meter running". We work for a fixed, value-based, project fee. Large firms cant afford to dothat as readily because of all the people involvedand their own insistence on measuring theirsuccess by billable hours. We measure our successby client objectives reached, not in time units. 12. The expertise that larger firms use is often white-labelling for them by a pool of consultantsavailable in the marketplace at any one time. Weselect our consultants from practisingsubject matter experts which means thatyou obtain the same or better expertise for lessmoney, because; Inevitably, we are less expensive. Thereare economies to using someone who can basetheir fees on each situation and not on a pre-determined service scale or need for reaching apractice quota. This means quite simply bettervalue to you. 13. Click Mouse Reveal Next PhasePhase 1 We will conduct an initial appraisal at our cost only charging for expenses Phase 2We will make a proposal based on ourappraisal with your outcomes and needsPhase 3 We will discuss the precise scope with youand provide you with a project pricePhase 4 We will complete the work to your originalscope and satisfaction 14. We have a wealth of Financial Services Experience, and due tothe remedial nature of our work forming over 60% of ourbusiness and that is conducted under a Non Disclosure Regime,we cannot demonstrate every client. 15. We Do have a largeamount of experience in anumber of other fields andindustries within the majorutilities and even LocalAuthorities. 16. We can provide all manner of assistance in Initial risk assessment or audit an initial analysis toidentify higher risk areas of the business and weaknessesin procedures. We also do risk management design. Business development business analysis advice oradvice on particular issues for example, how your firm isTreating Customers Fairly and an action plan forimplementing TCF across your business. Help with setting up procedures for example proceduralmanuals for recruitment, training and competence,complaints handling and anti-money laundering. May alsoinclude templates for disclosure documents, fact-finds andregisters. File audits checks to ensure that procedures are beingfollowed and identify good practices and weaknesses Complaints Handling cost effective and project managedfrom start to finish making your response robust andconsistent 17. We can provide all manner of assistance in; Technical support may include advice on particularproducts or regulatory reporting. May be available invarious formats, including website, helpdesk and individualtechnical advice. Training for example competency assessments, trainingopportunities or product risk guidance. May be onlinesupport, regulatory updates or seminar based. Support on individual issues for example in dealing witha complaint, a financial promotion or a particular suitabilityletter. Financial promotions (all areas of advertisement) - fullsupport which would include websites, brochures, DVDs,email templates, client mail shots, adverts, contactingexisting clients and so on. Remedial work helping to action remedial workrequired by the FSA. And much more just ask! 18. CEI Compliance Limitedwww.cei-compliance-limited.co.ukTel 0800689 9 689 (UK)Tel (+44) 7092 289901 (Int)We operate across the UK, Europeand the Middle East.Currently exploring opportunities inLatin America