Tom Clifford is a Partner within Deloitte’s Financial Risk Measurement team. Tom leads credit risk modelling, model validation and IFRS 9 analytics in the UK and is a member of the UK Credit Centre of Excellence. Tom also leads our Calculation and Reporting as a Service offering. Tom’s focus is to help our clients assess and understand the potential impact of implementing the proposed forward looking impairment model proposed under IFRS 9 plus new and existing capital rules. Tom has led the development of methodologies and tools to estimate actual and forecast capital and impairments (in a base case and stressed scenario) for clients and establish long term implementation solutions, leveraging his experience across all credit risk banking portfolios.