Patrick Butler

A former British Diplomat, Investment Banker and Global Head of Strategic Projects at HSBC GCIB and EMEA head of Global Banking Compliance at Bank of America Merrill Lynch, Patrick founded Calitor Limited in 2012. He advises and coaches Executive Committees and boards of global and national financial services firms to enhance internal Compliance functions, build effective Conduct and Culture Enhancement programmes and strengthen risk management practices at all levels.Patrick is co-founding faculty of the UK Finance Conduct Risk and Culture Academy launched in early 2018, which brings both retail and wholesale banks together to develop practical ways to meet emerging regulatory expectations, based on advanced behavioural understanding and practical expertise, leading edge tools and frameworks. He also provides bespoke Regulatory Risk Management development courses to financial institutions and key partners.He is a non-Executive Director on the board of MIRIS AS, a Norwegian Real Estate company using Decentralised Ledger Technology to innovate financing of clean energy real estate projects and an adviser to Arkadia Lending, a start-up Peer-to- SME lending platform.Patrick received his MBA from INSEAD in 1999 and also advises small and medium businesses undergoing substantial growth or change.

Dr Roger Miles

Financial practitioner turned specialist researcher in the field of regulated Conduct

Roger Miles researches human-factor risks in regulated financial sector firms and helps steer their responses to the new “behavioural regulation” of Conduct, Culture and Reputation Risk.  He works directly with firms’ leadership groups and delivers visiting lectures at the universities of London (LSE; Imperial College), Cambridge, and Cranfield (UK Defence Academy).  His published work includes the industry standard handbook Conduct Risk Management: A behavioural approach (Kogan Page); the Encyclopaedia of Key Concepts in the LSE’s annual Behavioral Economics Guides (behavioraleconomics.com); the Conduct and Culture video series for Finance Unlocked (financeunlocked.com); and for Thomson Reuters, more than a decade of popular commentaries on risk culture.

Working both with sector groups including UK Finance’s Academy initiative, which he co-founded, and directly with senior leaders in regulated firms, he assembles and develops improved indicator sets and reporting formats.  As part of this process, he gathers and socializes best practice in measuring and reporting human-factor risk among several hundred regulated firms, typically engaging one-to-one with more than 3000 attested Senior Managers each year. He is also an invited contributor to regulatory change initiatives in the finance, technology and food sectors in the UK and internationally, as behaviour-based regulation expands across other jurisdictions, working with current programmes across the EU, USA, Australia, Japan, Singapore and South Africa.

After Oxford degrees and audit training with PwC, he advised major public companies as a partner in investor relations firm Georgeson & Co. He later led risk communication initiatives for banking advocacy groups the BBA in London and FBE Brussels, and for HM Government (Cabinet Office, Defra). He was awarded a PhD (Risk, King’s College, London) for his original, live, concurrent research into banks’ rule-gaming of regulatory capital reporting during 2006-7. In a research paper at LSE in 2010, he accurately predicted the regulatory regime change to a Conduct-based approach.