Supervisory Inspection Readiness · Risk Advisory

We don't do compliance.
We do regulatory alpha.

Founded by a former KPMG Director after 20 years inside European G-SIBs. Supervisory on-site inspections are high-stakes events that separate risk programs from rhetoric. We've sat in these rooms. We've negotiated with the ECB directly. We prepare you before the inspector walks in — and guide the findings negotiation with supervisory rigor. Senior-led, hands-on, execution-focused — for Europe's G-SIBs, US majors, UK institutions, and GCC Tier-1 banks.

The Walk-Away Clause If your data, governance, or executive sponsorship isn't ready, we tell you before the engagement — not after. If we cannot meet the standard, we recommend someone who can.

Get the Inspection Readiness DiagnosticGet the Diagnostic → Book a 30-min call

Prefer to read first? Request the Ezelman 2026–2030 Regulatory Thesis → · 8 pages, email required

20+

Years at G-SIBs

50+

Mandates Delivered¹

Countries

100%

Senior Practitioners

¹ 50+ senior-led mandates · 20+ years across G-SIBs and supervisors. Footprint covers CRR3 implementation, ECB / NCA on-site inspections, stress testing and related advisory. Country scope: France, Italy, Spain, Germany, Netherlands, UK, KSA, UAE.

Most Recent Mandate · Closed April 2026

ClientFrench G‑SIB, continental universal bank SupervisorECB SSM Joint Supervisory Team Duration8 months, partner-led

IRB on-site inspection — credit risk.
Zero basis points of Pillar 2G add-on at findings close.

Peer benchmark for the same inspection cohort: +30 bps average Pillar 2G capital add-on. The engagement covered pre-inspection readiness, 800+ inspector information requests, findings-letter response drafting, and the closing supervisory meeting. Fully anonymised — redacted facsimile of the findings-letter response available on request under NDA.

Why Ezelman

The depth of a Big 4 practice. The agility of a partner-led boutique.

Founded by former KPMG Director Hannan Mohammad after 20 years at the intersection of regulation and banking, Ezelman exists for one reason: to give Tier-One banks the senior-led, hands-on risk expertise that large firms can no longer consistently deliver.

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Partner-level practitioners only

Every mandate is led and executed by senior professionals with direct G-SIB and supervisory experience. No juniors, no learning curves.

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Battle-tested under supervisory pressure

We have sat across the table from ECB inspectors, drafted responses in real time, and steered remediation under tight supervisory deadlines.

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Europe & GCC dual coverage

Operational in 8 countries. We bring European regulatory rigour to GCC banks preparing for Basel implementation and vice versa.

G-SIB cohort carousels published in 2026

Regulatory events tracked on the radar

Jurisdictions covered (EU · UK · US · GCC)

12K+

Words of long-form intelligence published

Regulatory

Basel IV / CRR3 Group-Wide Programme

3-year full programme ownership of the preparation and implementation of CRR3 across credit and counterparty risks for a European G-SIB — from Norms and Advocacy to Gap Assessment, Data Management, Build and Adaptations, Simulations and Models, Permanent Control and Independent Review, across all geographies.

Scope: Group-wide Duration: 36 months

ECB On-Site

Credit Risk IRB Inspection & Remediation

Led ECB on-site inspection on IRB RWA calculation for a G-SIB — managing all supervisor interactions, data requests, and findings resolution.

Scope: IRB Models Outcome: 0 critical findings

Regulatory Programme

Permanent Partial Use (PPU) Roll-Out

Designed and implemented the framework for determining the applicable regulatory approach (A-IRB, F-IRB, SA) and prepared the Permanent Partial Use (PPU) application package for credit risk across all types of exposures. Four exposure classes notified under CRR Art. 494d: Sovereigns and assimilated, RGLA, PSE.

Scope: Group-wide Duration: 6 months Outcome: Approval package

CRR3 · GROUP-WIDE PROGRAMME

"3-year full programme ownership of the preparation and implementation of CRR3 across credit and counterparty risks — from Norms and Advocacy to Gap Assessment, Data Management, Build and Adaptations, Simulations and Models, Permanent Control and Independent Review, across all geographies."

Group Head of Model and Regulatory European G-SIB

ECB ON-SITE INSPECTION

"Their on-site inspection expertise is practical, senior, and effective. They don't advise from the sidelines — they sit with you in the room, negotiate with the inspector, and own the findings line by line."

Head of Risk & Capital European G-SIB

PPU ROLL-OUT · CRR ART. 494d

"Designed and implemented the framework for determining the applicable regulatory approach (A-IRB, F-IRB, SA) and prepared the Permanent Partial Use (PPU) roll-out application package for credit risk across all types of exposures — including Sovereigns and assimilated, RGLA and PSE notification packs under CRR Art. 494d."

Group Programme Director European G-SIB

All reference contact details are available on demand.

Q1 2026 Cohort Read

Six EU G-SIBs.
Six capital stories heading into 2028.

A senior-led peer read of BNP Paribas, Santander, Société Générale, BBVA, Deutsche Bank, UniCredit — written for CROs, CFOs and Heads of Capital Management preparing the H2 SREP cycle and the 2027 EBA Stress Test.

The 2x2 matrix shown is one of 12 slides: a composite of distance to hard minimum, EBA 2025 fully-loaded stress depletion, and P2R level — cohort-normalised, directional, not bank-disclosed.

Request the full 12-slide cohort read →

Source: EBA 2025 EU-wide stress test, Table A2 + Q1 2026 bank disclosures + 2025 SREP letters. Ezelman composite scoring — directional, not a ranking.

Ezelman EU G-SIB 6-bank peer matrix — capital flexibility × profitability/efficiency, Q1 2026

We don't do compliance.
We do regulatory alpha.

IRB on-site inspection — credit risk.
Zero basis points of Pillar 2G add-on at findings close.

Four pillars of expertise

Regulatory Programme

ECB On-Site Inspections

Risk & Finance Transformation

Stress Testing & ICAAP

The depth of a Big 4 practice. The agility of a partner-led boutique.

Partner-level practitioners only

Battle-tested under supervisory pressure

Europe & GCC dual coverage

Recent mandates

Basel IV / CRR3 Group-Wide Programme

Credit Risk IRB Inspection & Remediation

Permanent Partial Use (PPU) Roll-Out

Six EU G-SIBs.
Six capital stories heading into 2028.

Deep Analysis for Risk Leaders

Implementing Basel IV — What CRR3 Taught Us on the Ground

CRR3 Is Not a Project. It Is a Pipeline — and CCF Is the Canary.

The ECB On-Site Playbook — What Your Team Wishes It Knew on Day One

Stress Testing Is a Projection Exercise. Reverse Stress Testing Is a Governance One.

Pillar 2G Is Where Banks Lose the Most Money — and the Advisory Market Talks About It the Least.

Reverse Stress Testing Is the Highest-Leverage Conversation CROs Can Have With Their ECB Team.

Regulatory Radar

Latest insights

RTS on CCF: The Hidden Capital Multiplier Under CRR3

RTS on Stress Test Starting Point

RTS on IRB Model Assessment: Materiality of Model Changes

Recent analysis

RWA Optimisation Under CRR3: Where the Basis Points Actually Sit

Where Banks Fail on ECB On-Site Inspection

ECB Reverse Geopolitical Stress Test: A 300bp CET1 Problem

Ready to discuss your next regulatory programme?

We don't do compliance.We do regulatory alpha.

IRB on-site inspection — credit risk. Zero basis points of Pillar 2G add-on at findings close.

Four pillars of expertise

Regulatory Programme

ECB On-Site Inspections

Risk & Finance Transformation

Stress Testing & ICAAP

The depth of a Big 4 practice. The agility of a partner-led boutique.

Partner-level practitioners only

Battle-tested under supervisory pressure

Europe & GCC dual coverage

Recent mandates

Basel IV / CRR3 Group-Wide Programme

Credit Risk IRB Inspection & Remediation

Permanent Partial Use (PPU) Roll-Out

Six EU G-SIBs.Six capital stories heading into 2028.

Deep Analysis for Risk Leaders

Implementing Basel IV — What CRR3 Taught Us on the Ground

CRR3 Is Not a Project. It Is a Pipeline — and CCF Is the Canary.

The ECB On-Site Playbook — What Your Team Wishes It Knew on Day One

Stress Testing Is a Projection Exercise. Reverse Stress Testing Is a Governance One.

Pillar 2G Is Where Banks Lose the Most Money — and the Advisory Market Talks About It the Least.

Reverse Stress Testing Is the Highest-Leverage Conversation CROs Can Have With Their ECB Team.

Regulatory Radar

Latest insights

RTS on CCF: The Hidden Capital Multiplier Under CRR3

RTS on Stress Test Starting Point

RTS on IRB Model Assessment: Materiality of Model Changes

Recent analysis

RWA Optimisation Under CRR3: Where the Basis Points Actually Sit

Where Banks Fail on ECB On-Site Inspection

ECB Reverse Geopolitical Stress Test: A 300bp CET1 Problem

Ready to discuss your next regulatory programme?

We don't do compliance.
We do regulatory alpha.

IRB on-site inspection — credit risk.
Zero basis points of Pillar 2G add-on at findings close.

Six EU G-SIBs.
Six capital stories heading into 2028.