Treasury Strategy and Liquidity Risk Insights with Svetlana Kardan

Video

Aligning Treasury Strategy with Risk and Liquidity Realities

In this interview, Svetlana Kardan shares insights from the treasury track at Risk Evolve, focusing on how institutions can better align liquidity management, funding strategy, and risk frameworks. She discusses the growing importance of integrated balance sheet management, the role of data and analytics in treasury decision-making, and how evolving market conditions are reshaping priorities across ALM and liquidity risk functions.

May 04, 2026

Svetlana kardan, Group Head of ALM, Monzo

Tags: ALM, Treasury and Liquidity Risk Regulation and Compliance AI and Technology (including Fintech) Stress Testing

The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization

Svetlana Kardan explores how treasury functions are evolving to meet increasingly complex demands across liquidity risk, funding optimisation, and balance sheet management. She highlights the importance of breaking down silos between treasury, risk, and finance teams, and explains how a more integrated approach enables better decision-making in both business-as-usual and stress scenarios.

The discussion also addresses the role of data infrastructure and analytics in supporting treasury objectives, from scenario analysis to strategic planning. As regulatory expectations continue to rise and market volatility persists, Kardan emphasises the need for robust, forward-looking frameworks that enhance resilience while enabling institutions to remain competitive.

Svetlana kardan Bio

Svetlana Kardan Group Head of ALM, Monzo Bank Svetlana Kardan is a seasoned finance executive with over two decades of experience in treasury risk management. Currently serving as the Group Head of ALM at Monzo Bank, she oversees critical functions including liquidity, funding, interest rate risk, and foreign exchange risk strategies. Previously, Svetlana held the prestigious position of Group Head of IRRBB and Stress Testing at HSBC. Renowned for her expertise in balance sheet optimization, governance, and modelling, she also serves as a respected senior treasury consultant and trainer, advising organisations on navigating complex financial landscapes and advancing industry best practices.