IRRBB Speakers

IRRBB Speakers

Noel O'Mahony

Programme Director, Risk Change

Deutsche Bank

Programme Director, Risk Change at Deutsche Bank since 2013

Over 25 years’ experience in risk management and technology change programmes in Financial Services.

Previous firms include RBS, Nomura & Santander (previously Abbey National)

John Bowyer

Head of Group ALM

Lloyds Banking Group

John has more than 20 years of experience in Asset & Liability Management and is currently Head of Group ALM within Lloyds Banking Group.  His team are responsible for identifying and understanding market and liquidity risks inherent within the banking book and ensuring that these are managed, priced and reported correctly.  The team perform a business partnering role to provide ALM expertise in respect of new product development and Funds Transfer Pricing (FTP).

John was the lead subject matter expert in the project to set up a harmonised FTP mechanism for Lloyds Banking Group following the acquisition of HBOS in 2009.  The mechanism introduced a centralised approach to both Liquidity Transfer Pricing and Interest Rate Risk Transfer Pricing across the entire banking book.

Professionally qualified in banking and treasury, John enjoys creating opportunities for colleagues to develop.  He recently played a lead role in establishing an internal treasury training programme within the bank.

Nick Ehrhart

Head of Structural Risk, Treasury & ALM


Head of Structural Risk & IRRBB and Deputy Head of Short Term Funding & Banking Book Risk, Nordea Group Treasury & ALM. Responsibility for the Group’s interest rate and FX risk in the banking book and the Group’s liquidity risk incl. short term funding activities and regulatory compliance, global unit with reports in all four Nordic countries, US, Russia and Asia. Masters in Political Science and Economics from Eberhard-Karls-University Tübingen. Ehrhart is fluent in German, English, Danish and Spanish and participated as tutor runner for blind athletes at Sydney Paralympics 2000.