Carl Ireland
Head of Regulatory Risk
Carl has 15 years' experience in financial services. Following experience as an analytical management consultant, Carl worked for the Co-operative bank in various senior analytical finance and risk roles. He joined Jaywing in 2017 leading regulatory and model risk projects for firms of different sizes.
He specialises in model risk, risk governance, prudential regulation, regulatory reporting, credit risk and analytics and stress testing. He has expertise in IRB, IFRS 9 and financial modelling for retail, SME, business, corporate and institutional lending.
Carl has a degree in Business Modelling and Management.
IFRS 9 ECL: Key messages for Boards from the PRA
PRA’s 2025 IFRS 9 letter sets higher expectations for boards. See the key focus areas and actions to strengthen oversight into 2026.
PRA CP21/25: A first step to unified regulatory data strategy
PRA CP21/25 proposes major changes to UK regulatory reporting. Learn what it means for firms and how to prepare for the Future Banking Data programme.
What is model modernisation and why now?
In this blog, we define model modernisation, explain why it’s become a 2025 priority, and discuss how leading firms are approaching it.
BNPL regulation update 2025: What risk leaders need to know now
New FCA rules will regulate BNPL from mid-2026. Risk leaders need robust affordability checks, complaint frameworks, and Section 75 planning. Get prepared now.
CP10/25: 9 PRA expectations for stronger climate risk management
See our breakdown of 9 key areas firms must address under CP10/25, from governance to scenario analysis, ECL, and data strategies.
CP10/25: What the PRA now expects from climate risk integrations
Understand what CP10/25 means for firms including: how to embed climate risk into capital, governance, reporting, and respond to rising supervisory expectations.
No-code AI in risk: can it deliver on its promise?
How leading banks achieve success with no-code AI for risk analytics: from faster fraud detection to improved customer insights – real results beyond the numbers.
Basel 3.1: Analysing the PRA's PS9/24 ruleset and its impact on banks
Analysis of the PRA's PS9/24 on Basel 3.1 implementation in UK banking. Key changes, impacts, and next steps for firms to prepare for the 2026 deadline.
Consumer Duty: Requirements and Priorities for Risk Functions
Jaywing recently hosted UK Finance’s Chief Risk Officer (CRO) network to discuss the key priorities and challenges for risk functions in implementing Consumer Duty plans. In this blog, Carl Ireland, Head of Regulatory Risk, outlines the key take-aways from the group.