Haim Havin – Risk Management, Financial Regulation, and Advanced Analytics

I am Haim Havin, a Certified Public Accountant (CPA, Israel), holder of the PRM (Professional Risk Manager) and MLARM (Market, Liquidity and Asset Liability Risk Management) certifications, and a specialist in banking regulation and risk management. I have been active in the banking system since 2005. Over the years, I have led large-scale and complex projects across risk management, quantitative models, regulation, and regulatory reporting, with a strong ability to bridge regulatory requirements, business needs, and advanced analytical tools.

My expertise covers credit risk, market risk, liquidity risk, and operational risk, as well as the implementation of Basel II, Basel III, and Basel IV frameworks — including FRTB components within the market risk regime and compliance with Proper Conduct of Banking Business directives in Israel. Alongside the regulatory framework, I bring deep analytical experience, including model development, scenario analysis, optimization, forecasting solutions, and measurement tools for financial institutions.

My background also includes technological training in software development and systems analysis, enabling a direct connection between regulatory requirements and risk appetite on one hand, and system-level implementation on the other — from specification and development through testing, deployment, and ongoing model and tool governance.

One of my core areas of expertise is automation and the development of tools and calculators — solutions that simplify complex calculations, shorten processes, and significantly improve decision-making quality. Over the years, I have worked across all organizational levels and interfaces: from analysts, system designers, and developers, through subject-matter experts and risk managers, to accountants and technology teams.

My approach is clear: to take financial, regulatory, technological, and accounting complexity and translate it into practical, precise, and implementable tools. Effective risk management is not merely about regulatory compliance — it is an operational engine that strengthens stability, improves outcomes, and enables responsible growth.