Subramanian Venkataraman is a Senior Consultant with the Risk Management practice of the Banking and Financial Services (BFS) unit at Tata Consultancy Services (TCS). With over 20 years of experience in the risk management area, especially credit risk and conduct risk, he manages research and competency development for the group. Subramanians risk consulting experience revolves around ERM, credit risk, market risk, Asset Liability Management (ALM) and Fund Transfer Pricing (FTP), stress testing, model validation, and risk-adjusted performance management.