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Graham Smith

Graham Smith

Director at Certeco
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Bio I am a Director of a Business technology Change Consultancy Certeco. Career History Programme Governance and Test Consultancy - broad experience in providing guidance and delivering quality management and test consultancy solutions. Business IT/Programme Management - Extensive exposure to very large change programmes ranging from platform migration, demutualisation and business tr



Cobol - do banks speak our language?

10 Sep 2015

With yet another banking glitch affecting UK customers last week, the answer to that question must be an emphatic “no”! And with banking failures happening on a seemingly weekly basis, we perhaps should be examining the language they speak more closely. Most of our banks are built on systems and programmed with languages that pre-date the birth of ...



US banks forced to hold billions more in extra capital

17 Apr 2014

The Federal Reserve has announced new capital ratios for US banks dictating that banks have to lift their level of equity to total assets to five per cent. Of course, the main reason is risk management, creating a financial buffer for losses that were seen during the financial crisis. Cold comfort perhaps for the eight main US banks affected by th...


IT Outsourcing Blamed for Tech Failures at Banks

12 Feb 2014

Lloyds has been the latest victim in a litany of banking technology failures that has dogged the financial services industry. Customers were frozen out of their accounts for a few hours, unable to make ATM withdrawals or payments using their debit cards, leaving many furious at what they perceive as gross incompetence. Lloyds blamed a problem w



Investor surge knocks out stock broker website

17 Oct 2013

In the City, the general consensus has been that the Royal Mail sell off has been a bit of a shambles. With the benefit of hindsight, it can easily be said that the government sold the shares in the state-owned postal service way too cheaply. Whereas a deliberate degree of undervaluing in an IPO is common in a bid to shift all the shares, there is...