The Financial Services Blog

Deloitte’s Financial Services Blog is written by our industry experts and covers a range of topics across the banking, capital markets, insurance, and investment management sectors. Explore the latest analysis below, use the buttons to filter to your interests, or subscribe to receive blogs on particular topics straight to your inbox.

Edit Profile
Thomas Clifford, Director , Deloitte

Thomas Clifford

Director at Deloitte

London, United Kingdom

About Me

Tom is a Partner in the Financial Risk Management team and leads IFRS 9 for the region in our risk advisory business. He specialises in credit risk modelling for the banking sector and is an expert in IFRS 9 impairment, having designed, developed, implemented, reviewed and applied credit risk models across the full spectrum of Retail, Commercial, Corporate and Wholesale lending operations.

Thomas Clifford's Passles

All UK Financial Services

Financial Services Insights - Deloitte experts share their thought leadership and insights

As a free user, you can follow Passle and like posts.

To repost this post to your own Passle blog, you will need to upgrade your account.

For plans and pricing, please contact our sales team at

Sorry, you don't have permission to repost or create posts.

Repost successful!

View the repost

Repost successful!

Your repost is currently a draft. Review your repost and request approval.

Something went wrong whilst reposting - please try again.

Sorry - this is not an option. This post already exists in the Passle you have selected.

Try reposting to another Passle.