# Riskweise

> Riskweise is a financial risk advisory practice that helps GCC banks, NBFCs, fintechs and insurers build IFRS 9 ECL, ICAAP, stress testing, model validation, model governance, ICOFR, internal audit, corporate governance and GCC resilience-support frameworks. Every model is delivered as a fully-editable Excel artefact with full methodology documentation. The IP belongs to the client.

Riskweise is a practice of ESGweise Global L.L.C-FZ, a Meydan Free Zone company in Dubai, United Arab Emirates. Engagements are calibrated to all six GCC central bank regimes: CBUAE (UAE), SAMA (Saudi Arabia), CBB (Bahrain), QCB (Qatar), CBK (Kuwait) and CBO (Oman).

The practice differentiates by combining audit-firm methodology depth with full client ownership of deliverables — fully editable Excel-based models, no proprietary platforms, no licence fees, no ongoing IP dependency.

## Services

- [IFRS 9 ECL Implementation](https://riskweise.com/services/ifrs9-ecl/): End-to-end Expected Credit Loss frameworks — PD, LGD, EAD modelling; staging logic with SICR triggers; macroeconomic overlay with three-scenario probability weighting; management overlay governance.
- [ICAAP Framework Development](https://riskweise.com/services/icaap/): Internal Capital Adequacy Assessment Process frameworks aligned with Basel III/IV and GCC central bank supervisory expectations. Pillar II risk identification, capital adequacy methodology, multi-year capital projections, SREP submission readiness.
- [Stress Testing Framework](https://riskweise.com/services/stress-testing/): Enterprise-wide stress testing across credit, market, liquidity and operational risk. Three severity levels (Minor / Moderate / Major), GCC-calibrated scenario library, IRRBB, FX, equity shocks, top-depositor runs, reverse stress testing.
- [ECL Model Validation](https://riskweise.com/services/ecl-validation/): Independent validation of IFRS 9 PD, LGD, EAD and ECL models — aligned with SR 11-7 and CBUAE Model Management Standards. Conceptual soundness, data quality, sensitivity testing, challenger models, ongoing monitoring frameworks.
- [Model Risk Management (MMS / MMG)](https://riskweise.com/services/model-governance/): Enterprise Model Risk Management Frameworks aligned with CBUAE MMS, SR 11-7 and Basel principles. Model inventory and tiering, MRMF, documentation framework, limit framework, governance committees, data lineage.
- [ICOFR Implementation & Testing](https://riskweise.com/services/icofr/): Internal Controls Over Financial Reporting aligned with COSO 2013. Risk-control matrix design, walkthroughs, operating effectiveness testing, deficiency remediation, management attestation.
- [Internal Audit Services](https://riskweise.com/services/internal-audit/): Risk-based internal audit — co-sourced, outsourced or advisory. IFRS 9, ICAAP, stress testing, treasury, ALM, compliance, and quality-assurance reviews.
- [Corporate Governance](https://riskweise.com/services/corporate-governance/): Board-level governance frameworks aligned with CBUAE, SAMA, CBK, QCB, CBB, CBO and Basel principles. Board charters, risk appetite, three lines of defence, Pillar III disclosure.
- [GCC Resilience Support](https://riskweise.com/services/gcc-resilience/): Operationalising GCC central bank resilience directives. Deferral eligibility logic, IFRS 9 staging implications, executive dashboards, audit trail.

## Tools

- [ECL Engine](https://riskweise.com/tools/#ecl-engine): IFRS 9 ECL computation engine with PD/LGD/EAD modelling, automated staging, three-scenario macro overlay, full audit trail. Excel-based, fully editable.
- [13-Scenario Stress Testing Tool](https://riskweise.com/tools/#stress-testing): Enterprise stress model spanning credit, market, liquidity and operational risk across three severity levels (Minor / Moderate / Major). Centralised scenario calibration, automated capital impact summary.
- [SME Credit Rating Model](https://riskweise.com/tools/#sme-credit): Standalone SME borrower grading and ECL on a 10-grade rating scale (AAA → D). Stage 1/2/3 segmentation, watch list, full audit trail.

## Key pages

- [About Riskweise](https://riskweise.com/about/): Practice positioning, the partnership philosophy, the three operating principles, the 9-pillar service architecture, and the relationship with ESGweise Global L.L.C-FZ.
- [All services](https://riskweise.com/services/): Directory of all nine service pillars with brief descriptions and links to each detail page.
- [Tools](https://riskweise.com/tools/): Three proprietary tools — ECL Engine, 13-Scenario Stress Testing Tool, SME Credit Rating Model — with feature lists, deployment timelines, and FAQ.
- [Articles](https://riskweise.com/articles/): In-depth articles on IFRS 9, ICAAP, stress testing, model governance and GCC regulatory developments. Currently in pipeline; email signup available.
- [Resources](https://riskweise.com/resources/): Downloadable frameworks, methodology primers, and regulatory mapping documents. Currently in pipeline; email signup available.
- [Contact](https://riskweise.com/contact/): Contact form, direct email and phone, what-happens-next process. Response within one business day.

## Legal

- [Privacy Policy](https://riskweise.com/privacy/): Data handling policy aligned with UAE Personal Data Protection Law (PDPL).
- [Terms of Use](https://riskweise.com/terms/): Website terms of use. UAE jurisdiction; engagement terms are governed separately by signed engagement letters.

## Optional

- Brand: Navy `#002145` and Teal `#37b49e`. Tagline: "Precision in Risk. Clarity in Complexity."
- Legal entity: ESGweise Global L.L.C-FZ, Meydan Free Zone, Dubai, UAE.
- Contact: contact@riskweise.com · +971 58 828 5373.