Louise Rathod
Leicestershire,East Midlands
Summary
As a Risk Manager at Sainsbury's Bank, I provide risk oversight for material risk projects, support for process risk and control assessments (RCSA's), and monitor progress on mitigating controls and treatment plans. With over 8 years of experience in the field, I have developed strong skills in Enterprise Risk Management (IRM), IT Service Management, as well as certifications in IRM, ITIL and RCA.
I am passionate about shaping the way the business takes failure and makes it a success, by working on changes, projects, and loss events, and taking those key root causes and underlying problems into new spaces to prevent materializing risk. I also build and maintain relationships with stakeholders across the business, and collaborate with audit teams to remediate issues and share best practices.
Overview
10
10
years of professional experience
Work History
Operational Risk Manager
Sainsburys Bank and Argos Financial Services
Edinburgh, Scotland
08.2022 - Current
- Providing top risk oversight for material risk projects, support for implementation process risk and control assessments.
- Risk Management Training for all Project managers across SBAFS, including risk accepts, Risk assessments and impact assessments.
- Change risk workshop facilitator for material projects for Argos, Sainsbury's bank and Habitat, to support the safe implementation and development of effective and robust controls.
- Leading Process Risk and Control (RCSA) and implementation change risk assessments for material projects of high value, regulatory and new products/features.
- Risk Appetite analysis and Thematic review
- Risk assessment for mandatory changes for the leadership team.
- Creating an established working relationship with 3 LODs and key stakeholders to create a innovative risk culture.
- Owner of Change Risk Management tool - JIRA task management tool that simplified the team workload management and increased visibility.
- 1LOD Activity - Ensuring all business areas, specifically the change function comply with all mandated policy, frameworks and handbooks.
- Managing the implementation of mitigating controls and recommending corrective action to maximise effectiveness following risk events, issues and treatment plans.
- Key stakeholder of Risk Management Governance and committees, for Customer, Operations and Marketing to ensure effective governance and control management.
- Coordinated risk review process, challenging risk descriptors and mitigations to detect vulnerabilities.
Senior Risk Manager and RCA Specialist
Capital One
Nottingham, Nottinghamshire
01.2021 - 08.2022
- Leader of 5 team members.
- Facilitator of audit requests and remediation for the risk management department and business, ensuring audit requests are managed effectively, in a timely manner.
- Key Risk SME for Risk Governance, and Risk Committees.
- Oversight and management of the Risk Management framework for 1st line within the loss event, issue management and control assessments.
- Experienced change management expert for enterprise wide projects; including Starter card initiative within the Post Office.
- Spearheaded implementation of risk tools and methodologies to improve outcomes and decrease breaches
- Support for Leadership, providing Risk Management guidance
- Lead SME for project and programmes that considers broader impacts and potential risks using knowledge of the business and network.
- Part owner of the Risk Academy, providing training, coaching and support for the business. Embedding risk management.
- Process owner for Loss Event management and Root cause analysis the UK business
- Risk SME for Global, regional and local changes/projects/programmes and transformations.
- Perform problem management Root cause analysis for broad, across business/process problems, taking lessons learnt both tactically and strategically in nature.
- Leading the 2nd line Enterprise monthly sessions, ensuring close key enterprise relationships and ensuring the UK business is in line with enterprise standards.
- Leading quarterly theme and insight sessions with leadership to support the business, highlighting any KPIs and identifying issues to learn from failure.
Risk Event Manager and Risk Partner
Capital One
Nottingham, Nottinghamshire
09.2018 - 01.2021
- Head and lead of escalation, managing the Loss event enterprise standards.
- Key SME for Risk management end to end process mapping to ensure efficiency during BAU activity.
- Facilitator of Cyber Breach and GDPR breakdowns, taking lessons to ensure Capital One operates in accordance with all regulatory requirements.
- 1st line Policy and Framework owner of PRIME - Risk Management tool
- Managing loss events, incidents and risk issues.
- Manager of signal insight analysis dashboard - the future risk, near miss and exposure tableau.
- Ability to identify and understand project risks for the business.
- Risk SME for the Change Management Advisory board, completing risk assessments using a Risk Matrix framework.
- Lead the implementation of the new RCA methodology using Sologic - cause and effect, while training this to the team and business. Providing KPIS to the business for broader opportunities to prevent risk materialization.
- Escalating key themes and areas of opportunity to the risk office and Leadership team for COEP.
- Lead problem solving analysis/RCA and risk assessments for changes through the operational change management process.
- Lead the business for post-event communications to ensure all actions are all executed according to enterprise standards
- Lead with stakeholders across the business to determine event requirements and constraints, outlining containment options to meet needs and exceed expectations.
- Lead GDPR breaches, ensuring and mitigating breakdowns.
IT Policy and Compliance Controller
Next plc
Leicester, Leicestershire
03.2016 - 08.2018
- CAB Owner - Credit and IT
- Process owner for Incident management, Change management, Knowledge management, Assessment management, Request fulfilment, 3rd party vulnerability, procedure, policy and training for the business.
- Owner of policy and procedures for IT, Risk and Change Management.
- Change management and project lead for projects which included POS upgrades in store, new credit initiative to moving third party suppliers for the nursery software.
- ServiceNow professional - Lead implementation or procedures, policies, testing and facilitator for ServiceNow.
- Governance head for changes across next ltd, inclusive f both retail, IT and credit changes/projects,
- Credit Risk and ITIL SME for changes for the business using ITIL methodology.
- Lead strategy lead for Causal themes, changes and trends, influencing the business to make key changes to processes and controls.
- Supported design, development and implementation of different compliance processes.
- Board lead for FCA CAB, specifically for credit impacting/FCA/Regulatory Change, ensuring risk assessments, risks have been identified and mitigated.
- Lead all 3rd parties under next where vulnerabilities were identified by the cyber team.
- Lead the effective training for over 300 professionals to improve ITIL processes.
- Implemented Incident management team plan, clarified roles of members and introduced new processes to boost quality across departments.
Incident and Support Analyst
Next Retail
Leicester, Leicestershire
07.2016 - 09.2016
- Major Crisis Incident Chair
- Solved interruptions in machines and equipment through collaborations with internal and external third parties.
- Leveraged available resources, knowledge and equipment to resolve customer requests.
- Supported trials for new product development through maintaining communication between customers, sales and design.
- Maximised First Time Fix Rate (FTFR) by conducting thorough analysis of root causes.
- Collaborated with team members in virtual environments to optimise field experience and development capabilities.
- Offered bespoke solutions to tackle security and performance issues.
- Developed knowledge-sharing methodologies, diagnostic tools and creative processes to improve end-user experience.
- Diagnosed and solved issues for customers against SLAs, maintaining high satisfaction rate.
Escalation Specialist
Next
Leicester, Leicestershire
08.2015 - 07.2016
- Responded to inbound retail and home credit calls, regularly exceeding team call-handling targets.
- Lead with management to provide customer service quality control for new and junior staff.
- Liaised with customers, management and sales team to better understand customer needs and recommend appropriate solutions.
- Applied conflict management to stressed and concerned customers.
Auditor
TalkTalk
Leicester, Leicestershire
01.2014 - 07.2015
- Established and coordinated and oversaw call listening and quality audit fieldwork ensuring accurate and timely completion.
- Facilitated smooth workflow by developing effective audit programmes, determining audit scope, objectives and timelines
- Minimised risk by maintaining up to date knowledge on industry and regulatory changes impacting the business.
- Applied auditing expertise and industry knowledge to consistently complete quality audits on schedule.
- Checked large and complex data sets to identify controls failures, fraud and concerning trends.
Education
Certificate on the Fundamental of Risk Management - Institute of Risk Management
IRM
London09.2019
NVQ Level 1 - Root Cause Analysis Facilitator
Sologic
USA2018
NVQ Level 1 - Root Cause Analysis Practitioner
Sologic
USA03.2018
ITIL (Information Technology Infrastructure Library)Foundation Certificate - ITIL
ITIL
Leicester2016
Bachelor of Science - Animal Management
University of Cumbria
Cumbria09.2012
Diploma - Animal Management
University of Cumbria
Penrith, Cumbria2010
Skills
- Risk Manager
- Empowering people leader
- Influential individual with proven ability to drive change and improvement
- Risk Assessment (RCSA), Risk Review and Control management
- Risk Strategy Manager
- Problem-Solving and Root Cause Analysis professional
- Risk event and Issue manager
- Reporting and governance professional
- Continual Process improvement
- Risk Workshop facilitator
- High-value project management
- Regulatory risk expert
- Thematic review experience
- Leadership
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Fall seven times; stand up eight.
Japanese proverb
Timeline
Operational Risk Manager
Sainsburys Bank and Argos Financial Services
08.2022 - Current
Senior Risk Manager and RCA Specialist
Capital One
01.2021 - 08.2022
Risk Event Manager and Risk Partner
Capital One
09.2018 - 01.2021
Incident and Support Analyst
Next Retail
07.2016 - 09.2016
IT Policy and Compliance Controller
Next plc
03.2016 - 08.2018
Escalation Specialist
Next
08.2015 - 07.2016
Auditor
TalkTalk
01.2014 - 07.2015
Certificate on the Fundamental of Risk Management - Institute of Risk Management
IRM
NVQ Level 1 - Root Cause Analysis Facilitator
Sologic
NVQ Level 1 - Root Cause Analysis Practitioner
Sologic
ITIL (Information Technology Infrastructure Library)Foundation Certificate - ITIL
ITIL
Bachelor of Science - Animal Management
University of Cumbria
Diploma - Animal Management
University of Cumbria
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