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Trusted advisors for Bank integration
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4most Consulting comprises a unique panel of experts which, combined with innovative resource management, delivers a high value service. Our panel have extensive experience from the banking sector and the big 4 consultancies. They are all innovative leaders with extensive hands-on integration experience.
Capturing value after the deal

M&A has swept through nearly every industry and has become an essential element of corporate strategy and indeed in some cases survival. Yet fewer than half of all mergers succeed in delivering additional value to shareholders.

Why? More importantly, is it possible to improve the odds of success?

From the integration standpoint it is not so much what you buy, but what you do after you have bought it and how well you do it, that matter in distinguishing failure from success.

We at 4most believe it is possible to improve the odds of success. However, in doing so it will be necessary to challenge some of the conventional wisdoms and practices of the large consultancy firms in favour of a newer more flexible management and resourcing process as developed by 4most.

'However, with a track record of half of all mergers failing, a proactive post-merger integration strategy is critical to coming out as a winner. '
John Henderson.

Financial Integration Services:

Retail Banking

Treasury

Investment Banking

Private Banking

Wealth Management

Credit Cards

Risk Management

Compliance

Credit Risk

Human Resources

Product Operating Model

Programme Reduction

Trusted advisors for Bank integration
4most logo
At 4most our approach is to provide innovative, expert, cost effective advice and key integration resourcing strategies, driven by our panel of Subject Matter Experts. 4most will assist you in identifying and delivering the critical components of success.
The critical components we believe are essential to successfully adding value to your acquisition are:

  • Robust planning, building on our consultants’ extensive real-life experience of significant change programmes
  • Credible milestones, that will be delivered to create and maintain momentum
  • Appointment of key executives with the ability to step up to the new demands of the expanded organisation
  • Capability assessment.  Specification of key integration roles & development of critical performance criteria, together with the identification, vetting and engaging of fit for purpose change agents, both internal and external.
  • Retention of key staff and rapid engagement of essential additional people
  • Compression of change duration, to complete the transformation and get your organisation into the new business-as-usual routine as quickly as possible
  • Establishing real incentives for real targets, directly related to the success of the integration programme
    'In many ways you have pulled the rug out from under the staff of both organisations. You need to recognise this and retake their trust.'
    Tim Douglas.

    Value Framework:

    Leadership = the who

    Vision = the what

    Architecture = the how


    Factors in Success
    :

    Clear Vision and Targets

    Strong Leadership

    Prioritisation and Speed

    Communication

    Risk Management

    Customer Focus
    Trusted advisors for Bank integration
    4most logo
    TREASURY - INGRID PIRLET
    With twenty years in Banking & Treasury in roles including COO Treasury and Director, Ingrid has worked through four separate post merger integrations. A hands-on manager, strategic thinker, results getter and turn around leader.
    >> View Ingrid's Bio
    ingrid
    INVESTMENT BANKING - MIKE LAWRENCE
    Mike has over thirty years within Banking with roles that have included Head of Investment Banking & Capital Markets and Deputy Head of Treasury. His experience has been gained within US, British, Asian and European banks and securities firms. >> View Mike's Bio
    Mike
    INVESTMENT BANKING SYSTEMS - DES CARROLL
    A Business Facing IT Specialist, Poacher-turned-Game Keeper, Investment Banking Programme Manager. Des is dynamic, pragmatic and resourceful, and will do whatever is required to deliver.
    >> View Des's Bio
    Des
    CREDIT RISK - MARKUS KREBSZ
    Markus is an expert in Structured Products and Credit Risk. He has analysed, rated and designed structured products as well as established and had built credit risk and portfolio surveillance for group wide control and distribution.
    >> View Markus's Bio
    Markus
    MORTGAGES - LAL TAWNEY
    A senior strategic marketing & business professional with 18 years experience in Mortagages, Banking & Cards. Lal’s commercial knowledge of B2C and B2B markets is extensive, drawn from his diverse experience from large financial services brands, big 4 consulting & start up businesses. >> View Lal's Bio
    bansi
    TREASURY SYSTEMS - BANSI SHAH
    An all round professional who can provide Business and Systems Strategy, Shaping, Planning, Requirement Definition, and Architecture across all asset classes and buy and sell sides of the market. A one man team.
    >> View Bansi's Bio
    bansi
    RETAIL BANKING - GARY THOMPSON
    Gary specialises in the structure & delivery of transformation initiatives in business & finance ops from counter to back office. He has delivered high profile, complex, change initiatives covering all elements of people, process & technology.
    >> View Gary's Bio
    gary
    PRIVATE BANKING & WEALTH MANAGEMENT - JOHN HENDERSON
    A Senior Banker of 34 years experience in Private Banking, Wealth Management, Hedge & Fund Management, Finance, & UHNW Family Offices both at board & operational levels. He has unique expertise of post merger synergy & integration.>> View John's Bio
    john
    CREDIT CARDS - STEPHEN TAYLOR-HAINES
    An experienced Retail Banking Services Programme Manager with many years of Consultancy experience in Credit Cards, Retail Finance System implementation across systems and operations.
    >> View Stephen's Bio
    stephen
    PRODUCT & SERVICE INTEGRATION - MARK HARVIE
    An expert in business transformation and product & service integration, Mark has 15 years experience guiding financial services companies on strategic business solutions and integrating operating models with a strong focus on sustainable benefits realisation. >> View Mark's Bio
    mark
    HUMAN CAPITAL TRANSFORMATION - TIM DOUGLAS
    A Human Capital Transformation expert, Tim has 25 years experience of major change in banking and financial services. You'll find his sharp commercial focus provides real insights into measuring the return on your people costs.
    >> View Tim's Bio
    tim
    LEGAL & GOVERNANCE - ROBIN LAHIRI
    With 25 years in General Counsel or Executive level positions in legal and governance capacities, Robin's career has spanned Banking, Treasury, Capital Markets and Energy, He is renowned for his commercial and pragmatic approach.
    >> View Robin's Bio
    robin
    Trusted advisors for Bank integration
    4most logo
    4-MOST
    Linen Hall
    162-168 Regent Street
    London
    W1B 5TE

    Tel +44 (0) 207 038 3690
    Fax +44 (0) 207 038 3693

    Register Your CV with us here!

    map
    Contacts: -

    Nigel Redfern - Director

    Ingrid Pirlet - Treasury

    Mike Lawrence - Capital Markets

    Des Carroll - Investment Banking facing IT

    Gary Thompson - Retail Banking

    Markus Krebsz - Credit Risk & Structured Products

    Mark Harvie - Brand and Product

    John Henderson - Private Banking & Wealth Management

    Tim Douglas - Human Resource

    Stephen.Taylor-Haines - Credit Cards

    Bansi Shah - Treasury facing IT

    Trusted advisors for Bank integration
    brochure
    A discussion paper looking at "The future for the Banking" are we seeing the third level of dis-intermediation in banking, by Mike Lawrence.
    book
    Chapter 14 of Euromoney "Frontiers of Risk Management: Key Issues and Solutions" by Markus Krebsz with contributions from Gary van Vuuren and Krishnan Ramadurai
    sii video
    View video of Markus Krebsz's presentation to the Securities and Investment Institute London Risk Forum on - "Rating Agencies and over reliance on ratings".
    rapidshare
    Slide show from presentation to the Securities and Investment Institute London Risk Forum on - "Rating Agencies and over reliance on ratings" by Markus Krebsz
    Welcome to the 4most THOUGHT page for our marketing material, case studies, white papers, presentations and events videos. We hope you find it engaging, challenging and informative.
    rapidshare
    "Knowledge and Data Sharing (Areas of Trust) and Transfer on New Business Integrations" - analysis of need for data early on to enable good decision making. - Des Carroll
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