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Panel discussion on how to use performance data from the pandemic era to create and validate models.
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Moorad Choudhry
Independent Non-Executive Director at Recognise Bank Limited
Banker and Board non-executive director with experience working within a diverse range of bank operating models and business cultures. Former CEO of UK bank and PRA/FCA approved person (SMF1/SMF3).

Good understanding of financial strategy, balance sheet risk management, bond portfolio management, project appraisal, Treasury asset-liability management (ALM), structured finance origination, liquidity risk management, capital management, and risk governance oversight. Managed large and complex bank balance sheets from a capital, liquidity and P&L perspective: proven track record in delivering Treasury P&L at different banks.

Chair of the Asset-Liability Committee (ALCO) at different banks during 2003-2014.

Front line presentation and marketing experience leading investor road shows, Tier 2 sub-debt bond issuance process and credit rating agency process at different banking institutions.
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Joseph Breeden
Dr. Breeden has been designing and deploying risk management systems for loan portfolios since 1996. He founded Deep Future Analytics in 2011, which focuses on portfolio and loan-level forecasting solutions for pricing, account management, stress testing, and CECL; serving credit unions, banks, and finance companies. He is also the owner of auctionforecast.com, which predicts the values of fine wines using a proprietary database with over 2.5 million auction prices.

He is member of the board of directors of Upgrade, a San Francisco-based FinTech; an Associate Editor for the Journal of Credit Risk, the Journal of Risk Model Validation, and the Journal of Risk and Financial Management; and President of the Model Risk Managers’ International Association (mrmia.org).

Dr. Breeden earned a Ph.D. in physics, and has published over 80 academic articles, 8 patents, and 4 books. His upcoming book, Creating Artificial General Intelligence and Preventing the AI Apocalypse, will be published in Summer 2022.