OpRisk North America

Benchmark best practices and innovation with the largest global community of operational risk experts.

OpRisk North America provides an exhaustive overview of the practical, forward-looking insights and innovative solutions firms need in order to remain compliant, ensure business continuity and develop value-add in the era of digital transformation and technical advancements.
We’ve gone hybrid. OpRisk North America is now a fully integrated, seamless discussion offering you the insights you need when you need them. Virtually, in person, in audio or video.



Attend OpRisk North America 2020

  • Define operational resilience and business continuity for your firm

  • Develop best practice in building and revising your approach to operational risk

  • Learn how to build cyber resilience in a fast-evolving landscape of threats

  • Understand emerging technology risks associated with AI, ML, NLP and more

  • Witness the most cutting-edge solutions driving automation, analytics, AI and more 

  • Prepare for the future of risk, including climate change, technology risk and more

  • Ensure regional data compliance and mitigate the risk of a breach

  • Keep pace with the evolution of AML and fraud, mitigate risk and avoid fines

  • Gain insight into cloud migration and effectively manage hybrid infrastructure

  • Get up-to-speed with the shifting environment of third party and vendor risk


Expert speakers


Hours of networking & benchmarking


Senior industry experts


Bank and buy-side representatives

Tom Kartanowicz

Regional CISO

Commerzbank AG

Raj Manian

Former chief risk officer

Former MUFG Trust

Deborah Hrvatin

Chief risk officer

CLS Group


Deborah joined CLS in 2019 as Chief Risk Officer, overseeing the risk function globally. As a specialist in risk management and strengthening controls, she is responsible for CLS’s risk management framework and for building an enhanced culture of risk identification, challenge and mitigation. Deborah is also responsible for enhancing CLS’s risk dialog across our ecosystem, with the objective of further improving systemic risk awareness and mitigation.

Deborah joined CLS from Citigroup, where she was Global Head of Operational Risk Management for the Institutional Clients Group. Prior to joining Citigroup in 2017, Deborah spent 22 years with Deutsche Bank, where she held several leadership roles including Head of Operational Risk for the Americas region and the Global Corporate Finance division and Chief Operating Officer for the Global Securitization Group. Deborah began her career in financial services as a commissioned bank examiner with the Federal Reserve Bank of New York.

Deborah received her BBA and MBA in International Finance from Hofstra University.

Flora Sah

CRO, data technology and enterprise initiatives

Bank of America

Flora Sah is the Chief Risk Officer for Global Risk Management at Bank of America. She is the lead risk partner and central delivery conduit, responsible for driving ownership, execution, and oversight between the technology teams and the horizontal risk functions to provide a holistic view of all risks and create robust future state strategy and implementation roadmap.

Before joining Bank of America, Flora was the executive advisory council at Gerson Lehrman Group, responsible for business advisory and technology consulting. Prior to that, Flora held multiple leadership roles at State Street Corporation, including COO of Enterprise Risk Management, Head of Risk & Regulatory Technology, and CTO & Head of Vendor Risk Management. Before joining State Street Corporation, Flora spent several years at Cambridge Technology Partners where she led consulting practices in financial services, retail, and healthcare industry.

Flora holds a M.S. in Engineering Management from Northeastern University and a B.S. in Industrial Engineering and Information Systems from the University of Massachusetts at Amherst.

Bala Ayyar

MD, chief data officer - Americas

Societe Generale

Born and brought up in Mumbai India, Bala Ayyar has worked in the field of Finance & Accounting and Banking for more than thirty years. Bala holds professional accounting qualifications from both India and the United States. He has an undergraduate degree in mathematics from the University of Mumbai.

Since joining SG in 2009, he has held a range of positions. Currently, he is the Chief Data Officer, SG Americas, with responsibility for data management and governance within the Region. This function is responsible for implementing the requirements of BCBS 239, establishing sound data governance framework that meets Group needs and local supervisory expectations and creating a solid platform for the data to be leveraged for strategic business decisions. Prior to that, he headed up the Project Management Office for the SG US Transformation project. Roles before that included Head of Finance Offshoring in SG Bangalore and Deputy CFO of the Americas Region of their Corporate & Investment Bank.

Prior to joining SG, Bala was with the Imperial Bank of Commerce (CIBC) for fourteen years in a range of positions in Toronto and New York. As Senior Vice President of the Wholesale North America Finance, he headed up the controllership function for CIBC's World Markets and Treasury & Risk Management Strategic Business Units within North America. With a total team of about 175 individuals across Toronto and New York, he was responsible for establishing a SOX-compliant industry-leading Finance control environment as well as supporting the efficient execution of business initiatives and managing the Finance related US regulatory relationships during a very demanding period. Prior to that, he also had stints as the business-line controller for the Bank's US origination businesses (Corporate Lending, Investment Banking, Merchant Banking, Structured Finance and High Yield), as well as the 2/ic to the Chief Accountant, with responsibility for consolidated financial, management and regulatory reporting at the corporate level.

Prior to CIBC, he was with the public accounting firm of KPMG for 10 years, mostly in Bahrain in the Middle East. He held a range of positions culminating in Senior Manager. Responsible for assurance and consulting engagements for offshore banks, focused on technical excellence, customer satisfaction and practice profitability. He was the Engagement Senior Manager for the region's second-largest bank and also played a key role in setting up a Treasury consulting specialization within KPMG Bahrain.
Bala Ayyar lives in Basking Ridge, New Jersey, is married with two children and enjoys long-distance running.

New for OpRisk North America 2020

  • Building ORM excellence: gain the practical tools you need to achieve ORM excellence.

  • Cyber Risk Summit: how is your firm quantifying and mitigating cyber risk? Hear from the industry experts actively finding and implementing new solutions and strategies to fend against cyber hacks and attacks, encouraging robust data governance and ensuring compliance.

  • Innovation Zone: explore exciting new technologies from AI and predictive analytics through to the cutting edge solutions helping organisations mitigate cyber risk.

  • Future Risk stage: identify strategies to help future proof your organisation, from key considerations for climate risk through to technology risk.


Cyber Risk Summit

2019 was by far the worst year on record for cyber breaches. According to the Ponemon Institute’s 2019 Cost of a Data Breach Report, the average cost of a data breach reached its highest to date at $3.92 million.

The sheer number of breaches increased by an imposing 54% in the first half of 2019, with nearly 4,000 publicly disclosed breaches during that time. In total, more than 4.1 billion records have been exposed this year.

Join this discussion to understand how your firm can quantify and mitigate cyber risk. Hear from industry experts actively finding and implementing new solutions and strategies to fend against cyber hacks and attacks, encouraging robust data governance and ensuring compliance.


If you have any queries regarding OpRisk North America or Cyber Risk Summit, please contact the appropriate person below: