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.
The Mills Review: a smart long-term plan with a near-term problem
The FCA's Mills Review plans for 2030. For model risk and credit risk teams, here's what it leaves open and what to start now.
Modernising credit-risk models without drifting outside risk appetite
Modernising credit risk models: how lenders can introduce explainable ML without weakening governance or drifting outside risk appetite.
Managing model risk using next-gen model-governance infrastructures
The PRA’s AI roundtable: A governance reality check for UK banks
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.