Ricardo Dias

• Partnered with Group Strategy to embed strategic risk management into the strategy cycle, key business decisions and capital allocation.

• Led design thinking for an innovative risk management framework, moving beyond traditional heat maps.

• Collaborated with the AI Office to develop a Responsible AI Framework.

• Co-led development of a PowerBI risk analytics dashboard, streamlining C-Suite and Board-level reporting process.

• Designed enterprise risk management KPIs for C-Suite level, enhancing Board-level risk governance and oversight.

• Spearheaded innovative initiatives to enhance risk culture and drive a risk-led mindset, including an annual Risk Awareness Week reaching 5,000+ employees, quarterly risk forums, as well as targeted communication campaigns.

• Co-led the ongoing development of the Group's risk appetite framework, driving changes with the addition of risk appetite categories and associated metrics and tolerances around Sustainability, Cyber, Data and Responsible AI.

• Designed and project-managed the end-to-end development of a mandatory Enterprise Risk Management e-learning module.

• Partnered with the Sustainability team to integrate ESG risk and climate risk (TCFD) in the Enterprise Risk Management process.

• Streamlined the quarterly risk reporting cycle across the Group, reducing lead time by 50% and reallocating 200+ hours annually to strategic risk advisory work.

• Co-led design of a Group internal controls framework integrating all assurance providers.

• Developed operational risk registers across multiple departments and entities.

• Managed a team of 5 FTEs in the Group Risk function during the organization's rapid expansion phase, including talent development, resource planning, and performance management.

• Managed a 12-month £1 m organizational transformation project to redefine risk management policies, risk appetite framework, internal controls, and assurance strategies across 13 key enterprise risk management areas, strengthening risk governance enterprise-wide.

• Collaborated cross-functionally and co-led the design and build of a C-Suite and Board reporting KPI dashboard measuring strategic risk management performance and the progress of the Group's strategy execution across all business segments.

• Led enterprise risk management responsibilities for three business units (Consumer, Technology, and Corporate Functions), providing strategic risk advisory and oversight during a period of significant organizational transformation.

• Designed and implemented a comprehensive program risk assurance framework supporting strategic organizational transformation initiatives, directly embedded in three major programs: HR transformation, Centralized Sourcing, and the commercial launch of a new IoT product portfolio

• Served as member of the Group Data Council, defining and overseeing application of the Group's data governance policy, ensuring risk governance integration across data privacy, security, and ethical use of data in line with GDPR.

• Delivered Board reporting and risk analytics to senior leadership on emerging risks, risk appetite breaches, and strategic risk implications of major business decisions and market changes.

• Provided GRC technology expertise to deploying a new GRC platform, enhancing risk monitoring capabilities and improving risk analytics across the enterprise risk management landscape.

• Managed a team of 4 FTEs comprising risk managers and internal control specialists, including capability development, resource allocation, and performance management during rapid business evolution and department transformation.

• Coordinated comprehensive enterprise risk management and strategic risk assessments for a major M&A transaction.

• Designed and led an innovative process to link risk to the budgeting process, focusing on mitigating key risks outside of risk appetite.

• Co-led implementation of a new 'risk decisions and acceptance' process to strengthen risk governance and improve executive oversight.

• Partnered with the Sustainability team to prepare for TCFD compliance, integrating climate risk assessment and scenario analysis into risk frameworks.

• Led the annual process to identify principal risks, including facilitating local market bottom-up risk assessments, cross-functional alignment, and conducting approximately 50+ Senior Leadership interviews.

• Spearheaded an Agile project to develop KRIs and risk analytics dashboards across all Principal Risk areas, enhancing real-time risk monitoring.

• Led the rollout of operational risk management frameworks for Group Functions such as Finance, HR, Technology, and Commercial Operations.

• Conducted a comprehensive risk maturity assessment across 30+ subsidiaries to benchmark capabilities and inform the enterprise risk management strategy.

• Served as Group Risk representative on Audit & Risk Committees at various subsidiaries.

• Provided strategic risk advisory and organizational transformation support to approximately 10 local markets.

• Led three Group-level strategic risk initiatives: risk culture enhancement program, emerging risks horizon-scanning and monitoring framework, and KRI development methodology; all driving Gorup-wide change management in the adoption of risk practices.

• Managed outsourced resources and dedicated shared service support teams for the risk function, ensuring consistent delivery of risk management services across 40+markets.

• Mentored local market risk teams leading strategic projects, developing next-generation risk talent and building sustainable risk capabilities.