Alok Tiwari

Alok has spent over fifteen years providing risk management consulting to the financial services sector. He brings to the table an extensive experience in developing ERM Frameworks (covering credit, market, operational risks and asset liability management), conducting Basel II reviews and benchmarking risk management systems. He has also successfully implemented Basel II frameworks at large European, Asian and Middle Eastern banks. Prior to founding Aptivaa, he headed the ERM practice for one of the Big 4 consulting firms.


Sandip Mukherjee

Sandip has 18+ years of experience in implementing Enterprise Risk Management framework for Wholesale & Retail Banking with top tier Global and Regional Banks and Financial institutions USA, Europe, the Middle East and India. He is a risk management professional with a blend of both quantitative and qualitative skills, strong program management capabilities and a proven track record. He has advised various Central Banks and Capital Market Authorities in development of Stress testing, ICAAP and Risk based Supervision framework. He is a Member of Advisory Board of Chartis Research - a UK based leading research and advisory services, frequent speaker at leading risk forums organised by IFC, IIF, GARP etc. He oversees development of Aptivaa’s proprietary frameworks and accelerators for Basel III, IRB, CCAR, DFAST, IFRS 9, CECL, Model Risk Management and BCBS 239.