and credit risk management, covering governance structures, risk appetite frameworks, policies, and controls. Ars Praxis also supports regulatory compliance, from interpreting new regulations through implementation and remediation of deficiencies. In data and analytics, it designs and validates data, models, and analytical frameworks for stress testing, scenario analysis, and capital modelling. The advisory work is delivered through diagnostic assessments, target-state design, implementation support, and efforts to embed capabilities within client institutions.