Stephen is a director in Risk and Regulatory advisory at KPMG. Stephen is a Banking, Regulatory, and Credit Risk expert with over 15 years experience in the Financial services sector. Stephen has a strong understanding of current regulatory frameworks and excellent technical expertise across a range of asset classes such as Retail, Small and Medium-sized Enterprises (SME), Corporate, Commercial Real Estate, Asset Finance, Invoice Finance, Trade Finance and Problem Debt Management including Recoveries.