Natalia Kluger has deep experience in Banking and Risk Management. Her thematic focuses include risk culture and non-financial risks as well as the implementation of the BCBS 239 principles for effective risk data aggregation and risk reporting. She has led several projects, workshops and roundtables on risk culture. Due to her many years of consulting and auditing experience, she has a very good understanding of the interfaces and interactions between trading and valuation processes, accounting and risk management.