Mark Dougherty is a Canadian Chartered Professional Accountant (CPA) & Certified Management Accountant (CMA) and an International Associate of the American Institute of Certified Public Accountants (AICPA).He is a top-tier 360 degrees Consultant with a successful track record of simultaneously balancing two roles of execution in major financial services institutions: detailed content work and managing for the top-table Executives. Mark is a Big Four trained professional accountant with over thirty years of Financial Services experience, with over seventeen (17) years of Risk Management experience.He has held senior management positions within the banking, insurance and accountancy professions. He has extensive financial institutions experience in the UK, Europe, United States, Canada, West Indies and Asia.Mark has a successful track record in implementing regulatory initiatives to establish industry-leading standards in preparation for Basel III & Solvency 2, Basel II, Sarbanes-Oxley (SOX) in Banking and Insurance in Risk Management, as well as Corporate Governance and Regulatory best practices such as methodologies, models, systems, policies and procedures.Mark Dougherty first started in Risk Management in Toronto at Canadian Imperial Bank of Commerce (CIBC) in the late 1990s. Since 2007, Mark has worked in Europe as an independent consultant (United Kingdom (England and Scotland) and Republic of Ireland) for a number of firms including EuropeArab Bank, Virgin Money, Aviva Insurance, Chartis Insurance (AIG-American Insurance Group), RSA Insurance (Royal & Sun Alliance Insurance), Legal & General Insurance, Barclays Bank and Riyad Bank. His recent work in banking and insurance has included preparations for the Basel III Accord and Solvency 2 Directive (for the European Union) for capital requirements and Risk Management. His risk advisory services have included extensive training on improving the effectiveness of risk management and dealing with the challenges posed by changing regulation, especially for Risk and Capital Management under Basel II and Solvency 2. Mark Dougherty is the author of the book entitled ‘The Intelligent Citizen’s Guide to Risks in Financial Institutions’ (2014 – Amazon) and contributing author for GARP’s (Global Association of Risk Professionals) major international Risk Management textbook entitled ‘Foundations of Banking Risks’. He has written numerous Risk Management articles for various professional journals including Russian Banking Review magazine (published in Moscow) and Global Risk Update magazine in the UK. Mark holds dual British and Canadian nationalities as well as a USA work/residency visa.