Hannan Mohammad — Founder & Managing Partner, Ezelman

Hannan Mohammad

Senior FRM practitioner. 20+ years at European G-SIBs. CRR3, ECB on-site inspections, stress testing, and Basel III Endgame — on the inside of the room, not the outside.

20+
Years at G-SIBs
50+
Mandates led
6
Countries
0
Supervisory escalations

The evening I realised the banks I loved were being defended by the wrong people.

It was a Tuesday in late 2021, and I was sitting in a G-SIB boardroom in Paris on the wrong side of a finding. The inspection team had done a good job — thorough, principled, unsurprising to anyone who had read the file. What surprised me was our advisors. Three very well-known firms, each represented by a partner I respected, each briefing the board with a slide deck optimised for the wrong audience. They were presenting to us as a client. They should have been preparing us for a supervisor.

I have worked inside banks for more than twenty years — in the markets, in the risk function, in the inspection rooms, in the late-night emails to the JST. I have loved that work almost every single day. What I have not loved, especially in the last cycle, is watching capable institutions spend eight-figure fees on advisory programmes that shipped programme plans instead of defensive positions. The banks deserved better. The people running those banks — the CROs, the CFOs, the Heads of Inspection — knew it, and they told me so, often over a coffee, rarely in a meeting.

Ezelman is my answer to that question. It is a small, senior-only boutique. No pyramid, no juniors learning on your inspection, no deck factory. Just practitioners who have sat on your side of the table, who have drafted the letter the JST is going to read, who know the difference between a finding the bank should accept and a finding the bank must contest. I wanted a firm that shows up on the first day with a view, not a workstream plan. I wanted a firm my former colleagues would actually hire if they had to pay the invoice themselves.

The name comes from a childhood memory — a word my grandfather used for someone who can be relied upon when the situation is serious. That is the standard. If we cannot meet it on a given engagement, we will say so, and we will recommend someone who can. The rest of this page is the track record behind that promise.

HM
Hannan Mohammad Paris, April 2026 · Founder, Ezelman. Former Director, Financial Risk Management at KPMG. Prior structurer at two European G-SIBs.

The thesis I'm building Ezelman around.

Compliance is a cost centre. Regulation is a competitive arena. Most banks hire advisory firms that treat CRR3, CRR3's US cousin, ICAAP, ECB inspections and stress tests as paperwork to survive. I don't. I believe there is an illustrative 30–80 bps of CET1  — and one to two notches of ROE — hidden in any large bank's regulatory stack, and that releasing it is a job for senior practitioners who have sat on the bank's side of the table, not consultants who have read the rule.

Ezelman exists because the four-letter firms are staffed to deliver a programme, not to defend a position. We do the second thing. We ship on time — and we bring back material basis points of CET1 on the way.

† Illustrative range calibrated against EBA Basel III monitoring report (Dec 2024), published Pillar 3 capital ratio dispersion across EU G-SIBs, and BCBS d424 impact studies — not a measured outcome across a fixed dataset.

30–80bpsCET1 hidden in the regulatory stack of most large banks
1–2notchesROE uplift when the stack is defended, not just delivered
0pyramidsPartner-on-file from kick-off through closure letter
CRR3 / Basel IV implementation ECB / SSM on-site inspections EBA & ICAAP stress testing IRB model lifecycle RWA optimisation Basel III Endgame (US) CBUAE / SAMA / QCB convergence Board-grade supervisory dialogue

Three eras. One consistent position: inside the room.

2005 – 2008 · MARKETS

Structurer — EU G-SIBs

Structured-products and derivatives desks inside two European G-SIBs. Front-office grounding in how large banks actually make and measure money before a single line of Basel is layered on top.

2008 – 2020 · KPMG

Director, Financial Risk Management — KPMG

12 years in the FRM practice, ending as Director. CRR/Basel III implementation programmes, ECB on-site IRB inspections as programme director, EBA stress-test cycles across wholesale and retail books at G-SIB clients in Paris, Frankfurt and London.

2020 – PRESENT · EZELMAN

Founder — boutique FRM advisory

Founded Ezelman in 2020 as a senior-only CRR3 and OSI specialist — built to bring G-SIB-grade regulatory capability to the banks that need it, in a boutique delivery model. Started in Europe, now serving the GCC, UK and US.

Where Hannan's work has been read.

Selected external publications, podcasts and platforms that have cited or featured Hannan Mohammad on CRR3, Basel IV, ECB supervisory practice and stress testing.

Quantifi · Interview

Conversation with Hannan Mohammad — Deputy Head of Funding & Markets, AFD

Published by Quantifi · Read the interview →

Quantifi · Press release

Agence Française de Développement selects Quantifi for integrated trading & portfolio management

AFD selection announcement · Read release →

Quantifi · Insight (PDF)

Quantifi Insight — Newsletter, March 2014

Featured practitioner commentary · Open PDF →

LinkedIn

Weekly practitioner posts on CRR3, OSI, stress testing

Follow Hannan's feed →

Regulatory Radar

Ezelman's quarterly deep dive — authored by Hannan

Read the latest edition →

Ezelman Intelligence

Monthly CRO roundtables — hosted by Hannan

Request an invite →

Long-form essays.

Four practitioner essays — each one the kind of memo I would write for a CRO, not a marketing team. Read them in the clear. The benchmarks that sit behind each one are in Ezelman Intelligence.

ECB · On-site

The ECB on-site playbook — what your team wishes it knew on day one.

13-min read · Read essay →

CRR3 · EBA · CCF

CRR3 is not a project. It is a pipeline — and CCF is the canary.

14-min read · Read essay →

Stress test · Reverse

Stress testing is a projection exercise. Reverse stress is a governance one.

13-min read · Read essay →

Basel IV · US · GCC

Implementing Basel IV — what CRR3 taught us on the ground.

14-min read · Read essay →

Where to read and hear me.

Five channels, one voice — practitioner, not marketing. Pick the cadence that fits.

Talk to me directly — not a BD team.

I take the first call on every new mandate. 30 minutes, no slides, no sales motion. If Ezelman can help, I will tell you. If a different boutique is a better fit, I will tell you that too.

Book 30 minutes with me →
Talk to Hannan directly — 30 min.Partner-led. No BD team.
Follow Ezelman on LinkedIn — Regulatory insights read by 2,000+ risk professionals across Europe & the GCC Follow →