Benoit Fabreguettes, CFA, PRM

Experience

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  BMO Financial Group

  Nov 2010 - May 2011

  Banking Customer Service Representative

  Responsible for understanding customer needs and advising best suited banking solutions for a positive customer experience.

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  Mercer

  Sept 2011 - May 2012

  Pension Representative

  Responsible for explaining the transitions of defined benefit plans to contribution benefit plans to clients’ employees.

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  TD

  Oct 2012 - now

  Responsible for assisting the Head of Credit Risk Management with credit risk oversight and decision-making, from expected credit loss calculations and reporting analysis to governance and process enhancements.- Participation in ongoing review sessions with rating agencies and regulatory authorities and providing strategic regulatory guidance with respect to portfolio management, key risk factors, and oversight. - Contribution, assessment, and adjustment recommendations related to the expected credit loss (ECL) calculations and reporting.- Implementation of strategic processes and identification of appropriate improvements, such as the integration of the dataset with the industry to identify potential rating discrepancies. Show less Responsible for leading risk projects through discovery, planning, execution, and closure activities. Work in collaboration with cross-functional groups, from Market Risk, Credit Risk, Operational Risk, Finance, etc.- Assessment, estimation, and implementation of large-scale regulatory projects and strategic tools to enhance risk monitoring (e.g., the Basel 3 Reform for the CAD&US credit retail group). - Implementation of a new risk process and system to pro-actively monitor prime brokerage issuer risk following the Basel Committee on Banking Supervision (BCBS) supervisory framework for measuring and controlling large exposures.- Management of resources, schedules, and financials required to carry out smaller-scale projects. Show less Responsible for leading large exposure projects through managing a cross functional team, from data mapping and technology support, to governance and reporting (Capital Market, Treasury Balance Sheet Management, and Wealth).- Creation and management of the newly integrated regulatory group in charge of BCBS 283 and the Single-Counterparty Credit Limits (SCCL) regulatory compliance exposure.- In-depth analysis of the company’s risk exposure, data quality, and work with the industry to identify regulatory challenges. It led to a new concentration and pro-active risk strategy.- Supervision and facilitation of the Large Exposure group head executive committee in charge of reviewing and taking actions (e.g., remediating breaches) of the company’s credit risk exposure. Show less Responsible for supporting the group manager through planning tasks, improving reporting, and working on large-scale projects. This spans across Capital Markets and Credit Risk Management.- Restructuration of the credit exception escalation process to speed up the decision process of credit excesses, from a couple of days to one day.- Management of the BCBS 283 project for the business: verification of the logic and End-User Computing (EUC) implementation, creation of the BCBS 283 governance and management structure, coordination of four teams (technology, governance, data management, and business), transfer of the knowledge from the project team to the business team, front-office, and credit writers.- Integration and management of the regulatory credit risk production team with the business data management team. Show less Responsible for analyzing credit risk exposure in alignment with TD policies, reviewing analysts' work, and implementing new products and regulations. This spans across non-retail credit risk.- Creation and management of the counterparty risk policies using quantitative skills (such as VBA and SQL) as well as soft skills (communicating clear expectations and establishing interpersonal relationships). - Review of the Single Counterparty Credit Limits (SCCL) project: test of the logic, calculation, procedure, reporting requirements and EUC; creation and coordination of the feedback from the business side and TD stakeholders to consultants.- Implementation and monitoring of the Combined US Operations (CUSO) / US Intermediate Holding Companies (IHC) credit risk dashboard for TD USA: prioritization and coordination of the implementation of credit risk dashboard changes with enterprise risk management, IT, and 20 consultants. Show less

  • Senior Risk Manager

    Oct 2021 - now

  • Risk Manager

    Nov 2020 - Oct 2021

  • Large Exposure Group Manager

    Jul 2019 - Nov 2020

  • Credit Risk Regulatory Team Lead

    Apr 2018 - Jul 2019

  • Senior Counterparty Risk Analyst

    Oct 2016 - Apr 2018

  • Market Risk Analyst

    Aug 2014 - Sept 2016

  • Senior Investment Representative

    Aug 2013 - Aug 2014

  • Investment Representative

    Oct 2012 - Aug 2013
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  Reaching Impossible Limits

  Aug 2019 - now

  Author and Speaker at Reaching Impossible Limits

  Author and Speaker at Reaching Impossible Limits Inc.• Author of Reaching Impossible Limits (published in 2019) and Reaching Unlimited Knowledge (published in 2022).• Publisher of articles, book reviews, and papers providing feedback on various training methods.