Andreas KOUTRAS, FRM, CRO has over 27 years of professional experience in Capital Markets, Financial Products and Risk Management. Andreas started his financial career at Lehman Brothers as a quant and has worked at Royal Bank of Canada, Credit Agricole-Calyon Investment Bank, Bank of Montreal, specializing in Fixed Income, structured derivatives, risk management, and quantitative research. He served as the Head of Market Risk and Risk Reporting at Bank ABC London, overseeing policies, credit risk reporting, IFRS9/ECL processes and as Head of Portfolio Risk at FBN Bank responsible for market risk, credit risk modeling, stress testing, and risk appetite enforcement. Andreas also acted as an Independent Consultant and expert witness, specializing in risk and audit, as well as IFRS9 implementation. Andreas holds the Financial Risk Manager accreditation (FRM) and is a graduate of London and Cambridge University. Andreas holds a Ph.D. in the General Theory of Relativity, a Master’s in Applied Mathematics and a BSc in Astrophysics.