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Risk Management Consulting
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Barset Consulting's comprehensive expertise in banking, insurance and asset management provides clients a trusted,
independent source for assessing financial risk and guarding against underappreciated risk exposure.
The firm uses both analytical and operational approaches, grounded in more than twenty-five years' experience managing financial risk and building risk-management systems. </P></span>
Our services include:
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<span class='BodyText'> Litigation support and expert consulting on structured credit investments
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<span class='BodyText'> Enterprise risk management and governance, including the design and construction of credit, market and operational risk units, portfolio risk systems and risk policies, procedures, decision-making, implementation and risk disclosures
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<span class='BodyText'> M&A related due diligence on risk departments and specialist functions (including credit, counterparty and derivative risk) within financial institutions
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<span class="subHead" align="left" valign="top" >Litigation Support</span>
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Analyzing and assessing transactions and investments for legal teams handling complex
structured products such as CDOs, asset-backed securities and credit derivatives.
Clarification of market practices, transaction mechanics, and collateral
and valuation issues in the context of legal arguments.
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<span class="subHead" align="left" valign="top" >Enterprise Risk Management and Governance</span>
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Evaluating the strategic and operational effectiveness of an organization's risk management activities.
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Designing and constructing risk management operations, including risk measurement and rating methods; specialty technical units and staffing; decision-making processes; IT requirements; documentation, communication, and reporting procedures (both internal and external).
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Reviewing and assessing firm-wide risk governance at every level and across functions (board and executive management as well as business, risk, audit, finance and surveillance staff), including risk culture, documentation, procedures, controls and policies. Policy review includes analyzing the scope and effectiveness of credit, underwriting and investment-portfolio policies on the basis of an organization's core principles, risk-exposure performance over time, reporting activity and staff understanding.
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Review of disclosures of risk management in public documents for best practices.
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Assistance in hiring and training of in-house staff.
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<span class="subHead" align="left" valign="top" >Risk Management Due Diligence</span>
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Evaluate and assess risk governance, risk strategy, risk-management policies and procedures, and risk-function effectiveness for would-be acquirers of financial institutions.
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Post-merger review of risk management needs, including organizational, functional and expertise requirements. Integration services.
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<P class="Headline">RUTH WHALEY — Principal</P>
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Ms. Whaley, founder of Barset Consulting LLC, is a senior finance executive with more than 25 years'
experience in global fixed income and risk management at the executive and board level.
She is a member of the board of Nuclear Electric Insurance Limited (<A href="http://www.nmlneil.com" target='_blank'>www.nmlneil.com</A>), serving on the audit and finance committees,
and of Cambridge in America (<A href="http://www.cantab.org" target='_blank'>www.cantab.org</A>), serving on the audit and major gift committees. She is also affiliated with The
Regulatory Fundamentals Group LLC (<A href="http://www.regfg.com" target='_blank'>www.regfg.com</A>), as a senior consultant, and with the Cambridge Judge Business School
Centre for Risk Studies (<A href="http://www.risk.jbs.cam.ac.uk" target='_blank'>www.risk.jbs.cam.ac.uk</A>), as director of corporate development.
She has been a frequent speaker at risk conferences.
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Ms. Whaley's experience in banking, insurance and asset management has focused most recently on
financial guarantees, loans, and investment and derivative products. She has deep and broad knowledge
of a wide range of fixed-income sectors, including corporate, asset-backed, municipal and
infrastructure, in the United States, Europe, Latin America and Asia.
As former Chief Risk Officer of MBIA Inc. and a member of its executive policy committee
for 10 years, she directed global risk management for the firm's multi-billion-dollar financial
guaranty and fixed-income investment businesses.
Specifically, she built and led a global enterprise risk division that included units for credit risk
underwriting, market and operational risk, portfolio management and quantitative analytics.
During this time she:
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<LI type="square"> developed and implemented risk exposure aggregation systems, risk-based capital models, portfolio limits and catastrophic stress-testing
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<LI type="square"> created additional risk specialties in derivative valuations and operational risk
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<LI type="square"> adjusted risk governance and practices in response to corporate and market changes
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<LI type="square"> designed risk-training courses for all levels of the organization
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<LI type="square"> oversaw regulatory risk compliance, reviewed disclosures and presented corporate risk issues to stakeholders.
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Ms. Whaley's earlier experience included 10 years at CapMAC Holdings, Inc. (which subsequently merged with MBIA), as Chief Credit Officer. This included underwritng asset backed transactions, building a portfolio management function and setting up risk management processes for an Asian affiliate.
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Ms. Whaley began her financial career at Citigroup (1982-1986) and UBS (1986-1987), where she structured corporate and project financings for multinational companies, predominantly energy-related. She earned a B.A. from Cambridge University, England, in 1977, was a Henry Fellow at Yale University (1977-1978) and received a Ph.D. from Harvard University in 1982.
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