Summary
Overview
Work History
Education
Skills
Additional Information
Timeline
Generic

Adam Crossman

Singapore

Summary

As an experienced and qualified risk professional, I have continuously proven myself through my achievements to be a strong leader. I am hardworking, conscientious and well-organised person who possesses a variety of useful skills that I am capable of utilising accordingly to achieve results. I demonstrate enthusiasm and initiative, working in a proactive manner. I require a role that is both challenging and demanding that allows the opportunity to develop and enhance my existing skills that I have built up over my career in a number of 1st and 2nd line roles for multinational financial institutions.

Overview

21
21
years of professional experience

Work History

Director, Head Business Risk, Regulatory and Governance Change

Standard Chartered Bank
02.2018 - Current
  • Manage the roll out of regulatory change across the TB business to ensure efficient and futureproofed solutions
  • GPO delegate for TB Sales, covering all ERMF related requirements
  • Leading the coordination and implementation of Policy and Standard requirements, including the associated governance across all ERMF risk types
  • Design, implementation and management of ERMF driven change requirements across TB’s processes and controls
  • Management of pan TB remediation activity resulting in risk mitigation and controls uplift for regulatory driven change
  • Define and implement TB risk appetites and related escalation and reporting processes
  • Design and implementation of new tooling for management of risk and compliance
  • Provide communication and training on risk/ change impacts to the business.

Business Risk Manager, Head of Supervision & Conduct

Standard Chartered Bank
02.2018 - Current
  • Leading strategy, system design and implementation for the various FM Risk Tool
  • Senior stakeholder management across all lines of defense
  • Define, implement, manage and report FM risk profiles monitoring business risk appetite and associated hygiene and governance
  • Oversee control design, execution, remediation, and reporting
  • Implementation and execution of operational risk framework across the FM business globally
  • Strategic design and implementation of processes, tools and regulatory requirements
  • Management of internal and external audit and review remediation
  • Program management, development & product ownership for key business systems and tools
  • Management of training and comms across the FM Business
  • Manage internal and external audit, policy, framework and regulatory requirements
  • Leading cost saving and efficiency agendas working to support the business to implement these and manage budgets or work programs
  • Ownership of governance, reporting and committees for Supervision & Conduct.

Global and Regional Operational Risk

Deutsche Bank
05.2016 - 02.2018
  • Global and Regional accountabilities for ERMF framework delivery and monitoring
  • Business partnering Singapore, Malaysia and Indonesia across all Business Divisions/ Products
  • Global design and APAC delivery and approval ORM framework components and local regulatory driven processes
  • Management and coordination of regional R&CA framework & execution
  • Development and reporting of KRI’s and business metrics
  • Identification, assessment, reporting and mitigation of country risk including events escalated
  • Education and guidance to global and regional stakeholders
  • Management and oversight of risk, partnering heads of business across multiple countries and coordinating broader stakeholders to achieve deliverables- Country risk workshops, risk appetite calculations, regulatory submissions, event management
  • Horizon scanning, review and implementation of regulatory, policy and framework changes
  • Management of regulatory reviews, submissions and Audits to drive the correct outcome and ensure requirements are met
  • Oversight of risk across all risk types ensuring both 1st and 2nd line conformance
  • Work with regulators, submit reports and respond to requests
  • Drive change and improvement in order to understand and manage risks for the countries I have direct responsibility for
  • This includes meeting internal governance requirements (NPA, committees, Information management etc)
  • Represent ORM at OPCO, RiskCo and Board Meetings to ensure risk focus and challenge.

Head of Framework Risk Execution & GTB Global, Barclays Corporate Oversight & Control

Barclays Bank
01.2011 - 05.2016
  • The role includes management of MI, Reporting, Projects, & Policy Delivery teams within CBOC Origination
  • Define and deliver governance requirements globally aligned to strategy and local regulation
  • Set, implement and oversee end to end best practice governance for the Corporate Business globally as 1LOD
  • Identify and manage weaknesses, issues or control gaps until fully remediated, tested and managed in BAU
  • Document end to end processes, risk registers and testing requirements, providing transparency and clarity in regard to business risk
  • Oversee and support business strategy, projects and products, ensuring that G&C agenda is appropriately aligned
  • Lead and Co-ordination the G&C team and stakeholders to ensure that there is a proactive and robust approach to assess business conformance to internal policy and regulatory requirements, ensuring that local requirements are also met
  • Lead the business in maintaining a good standard of “audit readiness”
  • Maintain reporting suites ensuring appropriate KI’s are in place and that there is an effective process to analyse and review trends
  • Act as SME to MD’s from across the Corporate Bank providing clear line of sight and reporting from an end-to-end perspective on risk, governance and control performance for their respective business areas
  • Implement and facilitate a ”virtual team” approach ensuring correct interaction across the business globally to allow sufficient traction on deliverables
  • Ensure that the business operates and can illustrate conformance of effective monitoring and escalation processes
  • Educate and support Corporate Bank and wider stakeholders as to the benefits of an effective governance framework, maintaining senior support and buy in to ensure that deliverables are met.

Risk Partner, Operational Risk

Barclaycard
01.2008 - 05.2016
  • Manage Sarbanes Oxley testing for the UK Cards business ensuring that controls/ documentation are fit for purpose and are completed with accuracy and in a timely manner
  • Managing and facilitating MSA sign off by process and control owners to ensure group requirements are met
  • Producing and providing assurance on risk and control management documents ensuring that business areas have been accurately assessed and actions are in place where mitigation is needed
  • Carry out pre-audit assurance work and testing on business areas in scope for audit
  • Assessing, reviewing and improving documentation and processes to ensure that they are of an admissible standard
  • Supporting external audits providing evidence and support where necessary
  • Provide education and training to areas that support the Operational Risk team ensuring that responsibilities, policies and governance are understood
  • Work as Group Champion providing cluster wide insurance support, ensuring that insurance needs are optimised, accurately calculated and returned when appropriate
  • Proactively assess and drive projects within the business to ensure that Operational Risk remains on the agenda and embedded in BAU activity therefore preventing noncompliance and regulatory breaches
  • Plan and manage projects which form part of larger initiatives to ensure that expectations are met, and the programme delivered
  • Maintain the content on risk systems ensuring that information is complete accurate and in line with guidance set by the Central team
  • Carry out risk stress testing.

Risk Partner, Operational Risk

Barclaycard
01.2008 - 05.2016
  • Manage Sarbanes Oxley testing for the UK Cards business ensuring that controls/ documentation are fit for purpose and are completed with accuracy and in a timely manner
  • Managing and facilitating MSA sign off by process and control owners to ensure group requirements are met
  • Producing and providing assurance on risk and control management documents ensuring that business areas have been accurately assessed and actions are in place where mitigation is needed
  • Carry out pre-audit assurance work and testing on business areas in scope for audit
  • Assessing, reviewing and improving documentation and processes to ensure that they are of an admissible standard
  • Supporting external audits providing evidence and support where necessary
  • Provide education and training to areas that support the Operational Risk team ensuring that responsibilities, policies and governance are understood
  • Work as Group Champion providing cluster wide insurance support, ensuring that insurance needs are optimised, accurately calculated and returned when appropriate
  • Proactively assess and drive projects within the business to ensure that Operational Risk remains on the agenda and embedded in BAU activity therefore preventing noncompliance and regulatory breaches
  • Plan and manage projects which form part of larger initiatives to ensure that expectations are met, and the programme delivered
  • Maintain the content on risk systems ensuring that information is complete accurate and in line with guidance set by the Central team
  • Carry out risk stress testing.

Senior Operations and Risk Manager

Barclays Ventures
11.2009 - 01.2011
  • To oversee and manage all operational functions of the business including 4 of Barclays investment entities
  • Create, manage and maintain documents and processes to ensure that Risk, Governance, Compliance requirements are achieved
  • Operate an effective risk and control framework ensuring there are robust testing and evaluation mechanisms
  • Ensure that all reporting requirements are met for both internal escalation and external legal and regulatory compliance
  • Set policy, procedure, standards and protocols ensuring that all staff has sufficient training and understanding of the requirements
  • Manage stakeholders and suppliers ensuring that appropriate contracts and governance are in place to protect the business
  • Manage business, investment and legal records ensuring that the content is accurate, and all documents have been retained
  • Company Secretariat for the four investment companies
  • Manage BCM requirements
  • Sanction of financial spend and systems
  • Manage Marketing, ensuring that any external publications are appropriate
  • Support, develop and manage direct reports
  • Management of internal and external audits
  • Support and implement Group wide projects and requirements.

Senior Operations and Risk Manager

Barclays Ventures
11.2009 - 01.2011
  • To oversee and manage all operational functions of the business including 4 of Barclays investment entities
  • Create, manage and maintain documents and processes to ensure that Risk, Governance, Compliance requirements are achieved
  • Operate an effective risk and control framework ensuring there are robust testing and evaluation mechanisms
  • Ensure that all reporting requirements are met for both internal escalation and external legal and regulatory compliance
  • Set policy, procedure, standards and protocols ensuring that all staff has sufficient training and understanding of the requirements
  • Manage stakeholders and suppliers ensuring that appropriate contracts and governance are in place to protect the business
  • Manage business, investment and legal records ensuring that the content is accurate, and all documents have been retained
  • Company Secretariat for the four investment companies
  • Manage BCM requirements
  • Sanction of financial spend and systems
  • Manage Marketing, ensuring that any external publications are appropriate
  • Support, develop and manage direct reports
  • Management of internal and external audits
  • Support and implement Group wide projects and requirements.

Business Manager, Operational Risk, Governance and Control

Abbey National PLC/ Santander
11.2006 - 01.2008
  • Manage risk governance and controls for all of Abbey’s call centre’s, in the UK, offshore and outsourced
  • Manage and maintain Business Contingency Plans
  • Communicating best practice, ensuring that they are fit for purpose/ effective and providing assurance by conducting annual testing
  • Carry out risk assessments to identify a comprehensive risk portfolio for each business area to illustrate and calculate inherent and residual risk values for Basel compliance
  • Ensure Business areas, controls and reporting mechanisms are in place and fit for Basel compliance
  • Work with Directors and Senior Management to develop and manage projects and action plans to improve their businesses performance
  • Ensure all business areas are adhering to regulatory and compliance standards including DPA, AML and Health & Safety
  • Manage S-Ox testing, compliance and sign off for all telephony business areas, ensuring that failures are tracked and addressed
  • Deputy Business Money Laundering Reporting Officer (BMLRO) for Abbey’s contact centers providing expert knowledge to the business on money laundering related issues, ensuring controls and procedures are in place to ensure staff remain compliant
  • Develop and analyse KRI’s to illustrate and track significant risks faced the business
  • Produce monthly Risk Reports on all business areas to a standard suitable for submission to Central Risk, Exco and the Directors and Business Managers for each business area
  • Manage incident reporting and coordinate remedial action
  • Work with other areas of the business developing, testing and providing sign off for new systems and products
  • Engage key stakeholders with fundamental changes and developments that will affect their business areas
  • Ensuring that there is adequate support to successfully facilitate roll out and that all information is acted upon and understood
  • Communicating complex, extensive and detailed information into useable documents or quick reference material
  • Design and process map streamlined workflows to ensure that control is effectively exercised but not at the detriment of business objectives.

Business Manager, Operational Risk, Governance and Control

Abbey National PLC/ Santander
11.2006 - 01.2008
  • Manage risk governance and controls for all of Abbey’s call centre’s, in the UK, offshore and outsourced
  • Manage and maintain Business Contingency Plans
  • Communicating best practice, ensuring that they are fit for purpose/ effective and providing assurance by conducting annual testing
  • Carry out risk assessments to identify a comprehensive risk portfolio for each business area to illustrate and calculate inherent and residual risk values for Basel compliance
  • Ensure Business areas, controls and reporting mechanisms are in place and fit for Basel compliance
  • Work with Directors and Senior Management to develop and manage projects and action plans to improve their businesses performance
  • Ensure all business areas are adhering to regulatory and compliance standards including DPA, AML and Health & Safety
  • Manage S-Ox testing, compliance and sign off for all telephony business areas, ensuring that failures are tracked and addressed
  • Deputy Business Money Laundering Reporting Officer (BMLRO) for Abbey’s contact centers providing expert knowledge to the business on money laundering related issues, ensuring controls and procedures are in place to ensure staff remain compliant
  • Develop and analyse KRI’s to illustrate and track significant risks faced the business
  • Produce monthly Risk Reports on all business areas to a standard suitable for submission to Central Risk, Exco and the Directors and Business Managers for each business area
  • Manage incident reporting and coordinate remedial action
  • Work with other areas of the business developing, testing and providing sign off for new systems and products
  • Engage key stakeholders with fundamental changes and developments that will affect their business areas
  • Ensuring that there is adequate support to successfully facilitate roll out and that all information is acted upon and understood
  • Communicating complex, extensive and detailed information into useable documents or quick reference material
  • Design and process map streamlined workflows to ensure that control is effectively exercised but not at the detriment of business objectives.

Core Fraud Investigator

Abbey National PLC/ Santander
08.2004 - 01.2005
  • Dealing with complex Account Takeover Frauds involving high net worth or high-profile customers
  • Identifying points of compromise and linked cases carrying out detailed analysis of case data and audit trails to identify potential staff involvement
  • Assisting Senior Investigators with interviewing customers and suspects to identify potential involvement in fraud
  • Supplying expert knowledge of cases where further investigation is required and advising of current fraud trends where customer claims have been received
  • Proactively analysing data to identify and forecast fraud patterns and trends, making recommendations on these findings to implement improvements in processes, procedure and systems
  • Providing training and support with the aim to reduce risk of fraud to the Group and its stakeholders
  • Establish contacts within the industry and other related organisations to maintain a mutually beneficial relationship
  • Applying my working knowledge of The Proceeds of Crime Act 2002, Theft Act 1968 &1978, The Forgery & Counterfeiting Act 1981, Data Protection Act and Money Laundering Guidelines, to the investigation of claims and offences committed against Abbey and our customers
  • Ensuring all investigations is completed methodically and thoroughly through to prosecution where possible
  • Preparing concise and accurate witness statements, reports and producing evidence packages for use in disciplinary or court hearings
  • Securing evidence in accordance to POCA and presenting it in a legally admissible format
  • Represent Abbey and Fraud at industry and company events maintaining a professional and positive demeanor
  • Assisting with the recruitment process of new staff, conducting interviews and short listing
  • Deliver initial and ongoing training playing an active part in the development of new staff and junior staff
  • Under taking aspects of management roles including developing PDP’s, providing coaching, undertaking quality assessments of work and providing feedback, allocating and prioritising workloads, chairing team meetings, collating and presenting statistical performance information for the Management Information (MI) Team.

Core Fraud Investigator

Abbey National PLC/ Santander
08.2004 - 01.2005
  • Assisting in the creation of this team, I was responsible for developing systems, creating and refining reports to proactively identify transaction fraud on customer’s accounts
  • Testing and designing best working practices and procedures for roles within this area of Financial Crime - Operations
  • Recording and reporting statistics in order to identify the most effective reports to proactively detect fraud and minimize fraud losses to the bank
  • Liaising with organisations within the industry such as Link to draw on their experience and information they hold to assist Abbey in playing their part in combating card crime by monitoring our ATMs and identifying fraud spend patterns and points of compromise
  • Visiting and providing information to branches to assist with the housekeeping of their ATMs, ensuring that information needed as evidence in fraud cases can be recorded by their ATMs
  • Working reports to identify and investigate suspect and fraudulent activity on accounts, contacting customers and managing expectations to provide high levels of service to victims of fraud, ensuring that cases are dealt with in line with regulatory requirements and SLA’s set out by the department
  • Providing transactional information and statements to the Police to assist with investigations they are conducting
  • Identifying first party fraud claims, conducting thorough investigations collecting evidence to prove that the claim made by the customer is false
  • Reporting detailed evidence to the police and the rest of the industry other organisations becoming victims
  • Adapting procedures and practices ensuring they are inline with directives and information cascaded by APACS and DCPCU.

Core Fraud Investigator

Abbey National PLC/ Santander
08.2004 - 01.2005
  • Investigating card and cheque claims received from customers utilising all information available and my knowledge of regulatory and legislative requirements to make an informed decision to determine Abbey’s liability for the loss
  • Ensuring claims are resolved within the required service time with maximum customer satisfaction and minimal loss to Abbey
  • Dealing with customer enquiries and complaints effectively and efficiently, in line with guidelines set by the Financial Ombudsman
  • Resolving issues to a satisfactory standard ensuring the response is comprehensible
  • Providing evidence and witness statements to law enforcement agencies to assist in investigations, they are conducting
  • Writing reports to senior management on significant losses and cases where Abbeys reputation is at risk
  • Communicating how the fraud was perpetrated and the remedial action taken by the department to prevent any further similar cases occurring.

Investigator

Cahoot Fraud
03.2003 - 05.2004

Education

DCAM Certificate in Data Management -

May 2023

CISI Diploma in Securities & Investment Compliance -

BPP Professional Education, Chartered Institute for Securities & Investment

A level Design & GNVQ Business Studies -

The Radcliffe 6th Form, Milton Keynes

All GCSEs including Mathematics and English -

The Radcliffe school, Milton Keynes

International Certificate in Risk Management -

IRM- Institute of Risk Management
03.2010

Certificate in Financial Crime -

ICA- International Compliance Association
12.2007

Higher National Diploma in Business and Finance -

University of Central England
01.2002

Higher National Diploma in Business and Marketing -

University of Hertfordshire
01.2001

Skills

  • Excellent communication skills with the ability to develop good working relationships with a diverse range of people
  • Good knowledge of legal and regulatory requirements for the banking industry
  • Analytical, with the ability to evaluate and produce reports, processes, procedures and controls
  • Excellent decision-making and judgment skills based on knowledge and experience
  • Ability to plan and prioritise workloads to meet deadlines, ensuring flexibility to accommodate business needs
  • Strong leadership qualities with the ability to influence and compromise
  • Professional attitude maintaining integrity and accuracy working on my own initiative effectively under pressure
  • Able to impart information to others in articulate, methodical and comprehensible manner
  • Exceptional written, numerical and customer service skills

Additional Information

Duke of Edinburgh’s Award to Gold Level, enjoys and competes in running and cycling events

Timeline

Director, Head Business Risk, Regulatory and Governance Change

Standard Chartered Bank
02.2018 - Current

Business Risk Manager, Head of Supervision & Conduct

Standard Chartered Bank
02.2018 - Current

Global and Regional Operational Risk

Deutsche Bank
05.2016 - 02.2018

Head of Framework Risk Execution & GTB Global, Barclays Corporate Oversight & Control

Barclays Bank
01.2011 - 05.2016

Senior Operations and Risk Manager

Barclays Ventures
11.2009 - 01.2011

Senior Operations and Risk Manager

Barclays Ventures
11.2009 - 01.2011

Risk Partner, Operational Risk

Barclaycard
01.2008 - 05.2016

Risk Partner, Operational Risk

Barclaycard
01.2008 - 05.2016

Business Manager, Operational Risk, Governance and Control

Abbey National PLC/ Santander
11.2006 - 01.2008

Business Manager, Operational Risk, Governance and Control

Abbey National PLC/ Santander
11.2006 - 01.2008

Core Fraud Investigator

Abbey National PLC/ Santander
08.2004 - 01.2005

Core Fraud Investigator

Abbey National PLC/ Santander
08.2004 - 01.2005

Core Fraud Investigator

Abbey National PLC/ Santander
08.2004 - 01.2005

Investigator

Cahoot Fraud
03.2003 - 05.2004

DCAM Certificate in Data Management -

May 2023

CISI Diploma in Securities & Investment Compliance -

BPP Professional Education, Chartered Institute for Securities & Investment

A level Design & GNVQ Business Studies -

The Radcliffe 6th Form, Milton Keynes

All GCSEs including Mathematics and English -

The Radcliffe school, Milton Keynes

International Certificate in Risk Management -

IRM- Institute of Risk Management

Certificate in Financial Crime -

ICA- International Compliance Association

Higher National Diploma in Business and Finance -

University of Central England

Higher National Diploma in Business and Marketing -

University of Hertfordshire

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