Thomas Clifford

   
Tom is a Partner in the Financial Risk Management (FRM) Team within Deloitte Denmark's Risk Advisory Group for Financial Services. He leads Financial Risk Management across the Nordic Region having developed tools, techniques and approaches to enable model design and build projects, gap analysis, technology solution implementation plus review and validation exercises.
 
Tom specialises in credit risk and risk modelling across the banking sector, having implemented, reviewed and applied credit risk models across the full spectrum of Retail, Commercial, Corporate and Wholesale lending operations. Tom has a Masters degree in Physics, an Honours degree in Financial Services and is a qualified Prince2 practitioner.