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Lloyd Kawara, CFA, FRM, CAIA is the Chief Risk Officer at SNB Capital, overseeing enterprise-wide risks and managing over USD 77 billion in AUMs. Lloyd has extensive experience in treasury risk management, market risk management, operational risk management, private equity investment, and regulatory compliance. Lloyd has a strong background in risk framework development, policy implementation, and board-level risk committee establishment. Lloyd holds multiple certifications and degrees in finance, investments, risk management, and leadership. Lloyd's expertise spans across various financial institutions and geographies, making him a valuable asset in the field of risk management.