Tom Teixeira is a Senior Consultant with Cutter Consortium's Business Technology & Digital Transformation Strategies practice and a Partner with Arthur D. Little (ADL), based in London. He has more than 20 years’ risk management experience, both in senior consulting and operational roles. Mr. Teixeira’s key areas of expertise include risk-based strategic planning and forecasting; risk analysis and quantification; total cost of risk reduction strategies, including insurance and captive management; and governance, risk, and compliance technology platforms. He has held senior positions in the professional services and insurance sectors, including EMEA risk advisory partnerships at Alvarez & Marsal LLP and Willis Towers Watson, where he supported FTSE250 and Fortune 500 companies to improve their approach to risk management and drive business performance. Earlier in his career, Mr. Teixeira held the role of Head of Risk Management at Rolls-Royce, the technology company, where he was the recipient of the 2007 European Strategic Risk Discretionary Award for Excellence in Risk Management. He is key author of the AIRMIC’s Risk Appetite Guide and Ensuring Corporate Viability in an Uncertain World; the Institute of Directors’ Business Risk: A Practical Guide for Board Members; and contributes regularly to The Wall Street Journal, Financial Times, and Commercial Risks Europe. Mr. Teixeira is a member of British Standards Institute committees for Risk Management and Governance. He is a visiting lecturer on risk management methodologies at Cardiff University, Wales. Mr. Teixeira earned a bachelor of engineering degree in mechanical engineering and energy studies from Cardiff University and a master’s of science degree in systems engineering from University College London, UK. He can be reached at firstname.lastname@example.org.