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    Laurent Birade

    Advises U.S. and Canadian financial institutions on risk and finance integration, CCAR/DFAST stress testing, IFRS9 and CECL credit loss reserving, and credit risk practices.

    Laurent has more than 20 years of experience in finance, credit, risk management, planning and IT. He is responsible for providing risk and finance integration expertise across solutions, products and services offered by Moody's Analytics in the USA and Canada. He has participated in numerous implementation projects and advised financial institutions on key regulatory issues, such as CCAR, DFAST, as well as IFRS9, CECL credit loss reserving and credit lifecycle of loans.

    education
    St. Mary's College of California: MBA (with honors), Executive Management
    H.E.C. Montreal: Bachelor of Accounting/MIS
    Expertise
    solutions

    Stress Testing: Moody’s Analytics helps financial institutions develop collaborative, auditable, repeatable, and transparent stress testing programs to meet regulatory demands.

    Credit Risk Advisory Services: Moody's Analytics credit risk advisory services enable faster, better informed credit decisions through a holistic and consistent assessment of risk.

    Current Expected Credit Loss Model (CECL): Moody’s Analytics provides tools for the most crucial aspects of the expected loss impairment model, with robust solutions to aggregate data, calculate expected credit losses, and derive and report provisions.

    TOPICS

    Regulatory Reporting: US: Submission of raw information and summary data to satisfy regulatory requirements.

    Stress Testing: US: Examination of the possible impact of an adverse scenario on a firm and/or industry.

    Financial Reporting and Accounting: Accounting field concerned with financial transaction summary, analysis, and reporting.

    Representative Projects

    Advised $45 billion US bank on CECL implementation, including portfolio segmentation, model, internal buy-in, parallel runs results and quarterly changes.

    Conducted CECL workshop for a leading U.S. credit union, advising on CECL requirements and implementation to sustain audit and regulatory scrutiny.

    Upcoming Speaking Events
    April
    15
    Moody's Analytics Webinar

    Beyond CECL - Incorporating CECL

    Join our experts as they review the business challenges that CECL presents beyond the reporting date numbers.

    Join our experts as they review the business challenges that CECL presents beyond the reporting date numbers.

    Published Work