Independent Advisory

Risk & Treasury Expertise for Financial Institutions

We help banks and financial institutions navigate interest rate risk, liquidity constraints, and treasury complexity — with the clarity that comes from having done this work ourselves, at scale, inside the institutions we now advise.

What We Do

Specialist expertise where it matters most

We work with a small number of clients at a time, maintaining a depth of engagement that generalist consultancies cannot match.

Interest Rate Risk

Repricing gap analysis, earnings-at-risk modelling, and IRRBB governance frameworks built for regulatory scrutiny and board-level clarity.

Liquidity & LCR

Liquidity coverage ratio optimisation, intraday liquidity management, and contingency funding plan design aligned with Basel III and local regulatory requirements.

Asset-Liability Management

Balance sheet strategy, funds transfer pricing design, and ALM committee support that connects risk measurement to commercial decision-making.

Why Chad & Liu

Practitioners, not process consultants

Most advisory firms send in teams of analysts who have read the textbooks. We have managed ALM books, chaired ALCO meetings, and presented to regulators — at institutions whose complexity rivals the clients we now serve.

That background shapes everything: we ask better questions, identify the real constraints faster, and design solutions that hold up in practice rather than just on paper.

Meet the Team
20+
Years of combined practitioner experience in banking
4
Core service areas, each led by a senior specialist
Tier 1
Prior employer institutions across two continents
100%
Independent — no conflicts, no product sales

Ready to work together?

We take on a limited number of engagements each year. Tell us about your situation and we'll let you know how we can help.

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