Svetlana Kardan

Head of Balance Sheet Management/ Head of ALM at Monzo

Speaker

Svetlana Kardan is a senior Treasury and Asset Liability Management (ALM) executive with over 20 years’ experience driving balance sheet strategy across global banking institutions. She has held executive leadership roles overseeing interest rate risk (IRRBB), liquidity, stress testing, and funding risk, with direct responsibility for regulatory engagement across multiple jurisdictions. She previously served as Group Head of IRRBB, Stress Testing, and Funding Risk at HSBC. A recognised expert in behavioural modelling, balance sheet optimization, and hedging frameworks, Svetlana is a trusted advisor to executive committees and regulators, and the author of the Psychology of Treasury book series.