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Audrey Etienne is a seasoned professional with extensive experience in risk management and compliance across various financial institutions. Currently serving as the Head of Prudential Risk at United Trust Bank Limited since February 2020, Audrey's role involves critically reviewing and challenging prudential risk processes, including ICAAP and ILAAP, before submission to the Board Risk Committee. Prior positions include Vice President at BNY Mellon, where responsibilities encompassed leading internal audits related to prudential requirements, and Senior Supervisor with the Bank of England, focusing on ICAAP and recovery planning. Additional expertise includes managerial roles at KPMG UK, analyst experience at Deloitte Luxembourg, and foundational roles at FundPartner Solutions and Pictet & Cie. Audrey holds a Master's degree in Economics and Finance from the University of Luxembourg and a Bachelor's degree in Economics and Management from Université catholique de Louvain.