Karen Moss

Director, Product Management


Karen Moss is a Director in Moody’s Analytics. Karen has 15 years of experience in International Banking, with the last 3 years in Asia. She is an expert in liquidity and interest rate risk management. In her last role, she was responsible for managing the balance sheet of Royal Bank of Scotland in Asia Pacific. Prior to this she has worked in various positions in a Treasury capacity in Europe.

Based in Singapore, Karen is responsible for delivering value to our ALM client base, bringing them the latest thought leadership and best practice.

Karen holds a degree in Economics from The University of Birmingham in the UK and the ACTM qualification from the Association of Corporate Treasurers.

Steven Smallsman

Global Head of Liquidity Risk Review


In his role, Steve is responsible for providing the Group Asset & Liability Committee (GALCO) independent assurance liquidity risk management decisions result in prudent and robust balance sheets in each country that Standard Chartered operates. Previously at Standard Chartered, Steve has had responsibility liquidity stress testing, liquidity policy and balance sheet risk methodology.

Steve joined SCB in August 2012 from KPMG in Sydney where he was responsible for KPMG’s bank treasury advisory offering across Australia and acted as a regional expert, working in China, Malaysia, Singapore and Indonesia.

Prior to this, he worked in Group Treasury roles at Allco Finance Group, St. George Bank and Westpac Banking Corp.

Steve is passionate about improving balance sheet risk management practices across the Standard Chartered and mentoring/training junior staff.

Ajay Surana

Managing Director


Ajay Surana has 20 years of professional experience in the financial services, consulting and technology industry. He has managed risk, compliance and performance management practices for large financial technology firms in the APAC region.

He has worked with over 75 financial institutions in APAC, US & Europe on various engagements in the areas of treasury, ALM, balance sheet management, regulatory compliance, Basel II/ III, risk technology transformation and business process re-engineering.

Ajay leads the APAC operations of Acies Consulting, of which he is one of the founder.

Nick Wood

Managing Director


  • Advising Zensung (insuretech) and Sunpower Renewables (portable solar) start-ups on strategy and capital raising 
  • Managing Director FinTorque providing innovative, customised and affordable finance & treasury solutions for financial service providers in Emerging & Developing Markets
  • IMF Financial Sector Consultant
  • 4 Global Banks, 36yrs (30 in APAC)
    • Group Treasury Business Head; Asia Treasurer & Country Treasurer (Indonesia, USA); Global Markets Business Manager; Group Market Risk
    • Reshaping business post GFC & Regulations; Balance Sheet Optimisation Tools; Group FTP Policy; Retail Deposit Growth & Securitisation; Trading Room Performance & Efficiency
Chris de Stigter

Independent Consultant

Chris de Stigter is an independent consultant and trainer in the area of Asset & Liability Management (ALM). He has been working for the group ALM department of ABN AMRO as the head of the Funds Transfer Pricing team. After completing his Master degree in Business Administration at the Vrije Universiteit in Amsterdam, he joined the bank as an international management trainee in 2005. After successfully completing his traineeship, he joined the Asset & Liability Management department. Chris has gained thorough experience in all the fields of expertise within ALM; liquidity management, capital management and interest rate risk management. In 2013 he became the head of the FTP team and that makes him responsible for all internal charges and benefits with regard to liquidity, capital and interest rate management. He also represents the ALM department in the product and pricing committees in the commercial business lines. Chris is a very enthusiastic speaker, panellist and moderator on several national and international training events and conferences, always receiving the highest ratings by his audience.