Michael Grimwade first worked in Operational Risk Management almost 30 years ago. He is Head of Operational Risk for ICBC Standard Bank and has previously held senior Operational Risk management roles at MUFG Securities, RBS and Lloyds TSB, and he has also been a Director of the Institute of Operational Risk. Michael is the author of a number of papers on quantifying emerging & reputational risks; modelling Operational Risk capital; stress testing; and Climate Change, and he received an award in 2014 from the Institute of Operational Risk for his contribution to the profession. His second book, “Ten Laws of Operational Risk”, was published in December 2021.