Acknowledgements

Julien Haye

This book represents the culmination of 26 years of experience in the financial services industry. It is the product of countless moments – both challenging and rewarding – spent collaborating with exceptional individuals, learning from their expertise, and growing alongside them.

First and foremost, I am deeply grateful to the remarkable people I have had the privilege to work with over the years. Your insights, dedication and passion for excellence have left an indelible mark on me and shaped the ideas within these pages. To the teams and colleagues who have shared in the successes and struggles, your camaraderie and perseverance have been a source of continuous inspiration.

I extend my sincere gratitude to Richard Fielden, Anne Sprules and Paul Barnett for providing invaluable feedback during the development of this book. Your insights, reflections and encouragement were instrumental in refining the concepts and strengthening the narrative.

To the leaders, mentors and experts who challenged me to think critically, to innovate, and to approach risk management with a human-centred perspective: your guidance and belief in my potential pushed me to grow in ways I could not have