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.
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.
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.
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.
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.
Selected external publications, podcasts and platforms that have cited or featured Hannan Mohammad on CRR3, Basel IV, ECB supervisory practice and stress testing.
Published by Quantifi · Read the interview →
AFD selection announcement · Read release →
Featured practitioner commentary · Open PDF →
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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.
13-min read · Read essay →
14-min read · Read essay →
13-min read · Read essay →
14-min read · Read essay →
Five channels, one voice — practitioner, not marketing. Pick the cadence that fits.
Typically a contrarian take on a rule most advisors are describing too politely. Written for CROs, Heads of Risk and their directs.
Follow the feed → X · Live commentaryReal-time reactions on the moves that don't wait for a newsletter cycle — the speech that signals the next inspection wave, the consultation that changes a capital curve.
Follow on X → Regulatory Radar · QuarterlyThe memo I would write for a CRO preparing for the next supervisory cycle. Benchmarks, pitfalls, and the 3–4 positions we would defend if it were our bank.
Read the current edition → Ezelman Intelligence · MembershipPaid membership. Chatham House. 20 seats maximum per cohort. I host. The agenda is whatever the group is losing sleep over that month.
Request an invite → Speaking · On invitationAvailable across Europe, the Gulf and the US. Drop a line with the event brief, audience and the question the organiser wants answered — I respond to every serious invitation personally.
contact@ezelman.com →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.
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