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Ben O'Brien

Managing Director
Jaywing
Member since
11 Nov 2015
Location
London
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

Ben is an expert in credit risk management, providing analytical consultancy to financial services organisations. His expertise spans stress testing, IFRS 9, loss forecasting, portfolio monitoring, modelling and capital management.

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Managing Director
Jaywing
To Present
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Latest opinions

Ben O'Brien

Preparing for BNPL regulation: What firms need to do now

The arrival of formal regulation for Buy Now, Pay Later (BNPL) products is no longer a question of if, but when. With the Treasury’s May 2025 consultation response, the direction is this: by mid-2026, third-party BNPL lenders will fall within the scope of the Financial Conduct Authority (FCA). This change brings with it a full set of regulatory re...

05 June 2025

Ben O'Brien

CP10/25: 9 areas firms must address to meet the PRA’s climate expectations

In our previous post on CP10/25, we examined how expectations around climate risk are becoming more specific and embedded. This follow-up focuses on the details, breaking down the proposals in the draft Supervisory Statement and what they mean for firms assessing their current position. Each area highlighted below reflects the level of depth and i...

22 May 2025

Ben O'Brien

CP10/25: How expectations on climate risk are developing

CP10/25 doesn’t introduce new climate risk rules — but it does raise the bar. The paper builds on existing guidance and reflects a clear push for firms to go beyond policy statements and start demonstrating how climate risk is integrated into real-world decision-making. The emphasis now is on depth. Firms are expected to show how climate factors a...

20 May 2025

See all 28 opinions by Ben

Ben writes about

  • artificial intelligence
  • regulation & compliance
  • retail banking
  • financial crime
  • predictions

Ben's opinion archive

  • 2025 (7)
  • 2024 (14)
  • 2022 (1)
  • 2016 (1)
  • 2015 (4)
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