Pam Luthra
Senior Risk & Financial Resilience professional
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About
Senior Risk & Financial Resilience professional with over 20 years’ experience leading prudential risk, enterprise risk management, financial resilience, and regulatory assurance programmes across banking, building societies and asset managers. Proven ability to influence senior stakeholders,support Executive and Board governance forums, and translate complex regulatory requirements into practical business solutions. Recognised for delivering high-profile regulatory programmes, leading assurance reviews, embedding risk culture and driving improvements across first, second and third lines of defence.
Experience
Group Capital Management Senior Lead - Skipton Building Society
(2024-01)
- Led the transformation of Recovery Planning and the Restructuring workstream within the RAF, embedding evolving PRA regulatory expectations and enhancing financial resilience capabilities.
- Provide strategic oversight of capital assessments and prudential risk activities, ensuring alignment with broader risk and operational resilience frameworks.
- Translate complex capital, risk, and regulatory analysis into actionable insight to support decision-making.
- Supporting effective governance frameworks aligned to SMCR and regulatory expectations.
- Strengthen linkages between financial and non-financial risk management.
- Cross functional leadership and senior stakeholder management.
- Partner with Risk, Finance, Treasury, Liquidity Management and Assurance/Audit functions.
- Deliver prudential risk reporting for Executive Committees and Board forums.
- Influence Executive and Board decision-making through the delivery of risk insights, constructive challenge and regulatory expertise across the Recovery Planning and Resolution activity.
- Leading financial transformation and reporting initiatives to enhance MI, governance and decision making across Prudential Risk.
Prudential Risk & Financial Services Advisory - BDO LLP
(2021-05 - 2023-10)
Led advisory and assurance engagements across a broad range of FCA regulated financial services clients.
- Led ICAAP, ICARA, Recovery Planning and Wind-Down client assignments.
- Advised firms on governance, accountability, and SMCR - related considerations.
- Delivered internal control and assurance reviews covering evolving FCA regulations Operational Resilience, Consumer Duty, Payments, and Conduct Risk.
- Supported regulated clients in embedding Climate Risk and reporting frameworks.
- Managed client relationships, engagement delivery, project budgets, and quality assurance.
- Managed small teams delivering complex regulatory assignments.
Family commitments and professional development - Career Break
(2018-05 - 2021-04)
Head of ICAAP (Contract) - State Street Corporation
(2017-04 - 2018-04)
- Led the ICAAP, ORSA and capital adequacy processes.
- Developed stress testing and the capital management framework.
- Provided oversight and challenge across key ERM activities.
- Led the capital model validation programme.
- Managed audit interactions and remediation activities.
Project Manager/BA (Contract) - Deutsche Bank Asset Management
(2016-06 - 2017-03)
Led ERM initiatives supporting the delivery of a complex Legal Entity Simplification programme, strengthening governance, risk oversight, and compliance.
- Produced ICAAP and capital planning assessments.
- Enhanced governance, risk assessment, and reporting frameworks.
- Facilitated senior governance forums and stakeholder working groups.
Regulatory Capital Manager (Contract) - Columbia Threadneedle Investments
(2015-05 - 2016-06)
- Led ICAAP and ORSA programmes.
- Facilitated risk identification and stress-testing workshops.
- Presented findings and recommendations to senior committees and Boards.
- Developed governance and capital adequacy reporting.
Senior Operational Risk Manager - Kleinwort Benson
(2000 - 2015)
Earlier Career Yrs. Senior Operational Risk leadership (Contract roles)
Senior Operational Risk Scenario Manager - Credit Suisse
(2000 - 2015)
Earlier Career Yrs. Senior Operational Risk leadership (Contract roles)
Project Manager / Business Analyst - RBS Markets & International Banking
(2000 - 2015)
Earlier Career Yrs. Senior Operational Risk leadership (Contract roles)
Senior Operational Risk Manager - Hermes Fund Managers
(2000 - 2015)
Earlier Career Yrs. Senior Operational Risk leadership (Contract roles)
Operational Risk Manager - Lloyds Banking Group
(2000 - 2015)
Earlier Career Yrs. Senior Operational Risk leadership (Contract roles)
Risk Manager - F&C Asset Management
(2000 - 2015)
Earlier Career Yrs. Senior Operational Risk leadership (Contract roles)
Head of Compliance - Kuwait Investment Office
(2000 - 2015)
Earlier Career Yrs. Middle-Office (Permanent roles)
Fixed Income Senior Specialist - Merril Lynch
(2000 - 2015)
Earlier Career Yrs. Middle-Office (Permanent roles)
Fund Manager’s Assistant - Sumitomo Mitsui Asset Management
(2000 - 2015)
Earlier Career Yrs. Middle-Office (Permanent roles)
Education
BA (Hons) - Business Studies (Services) - University of Westminster
