In this episode, we circle back with Naeem Siddiqi, Senior Advisor, Risk and Quantitative Solutions, SAS, to explore the effects of COVID-19 on banks and risk managers, six months out from our previous discussions. GARP’s Robert Sales moderates this two-part discussion with Naeem, who is also joined by Alex Kwiatkowski - Principal Industry Consultant, Global Banking Practice, SAS - to consider the current and potential post-pandemic impact of the coronavirus on credit risk, cyber risk, operational resilience and the banking business model. For more resources on this topic: click here.  Over the years, GARP and SAS have worked together to bring risk practitioners unique insights on a variety of topics related to financial risk and have partnered on this episode of our COVID podcast series. About SAS As a leader in analytics, SAS has more than 40 years of experience helping organizations solve their toughest problems. Our unrelenting commitment to innovation enables banks to modernize and sustain a competitive edge. SAS provides an integrated, enterprise-wide risk-management platform for managing risk in an organization, from strategic to reputational, operational, financial or compliance-related risk management. Learn more about how SAS is driving innovation and business value for risk and finance professionals at www.sas.com/risk.   SPEAKER BIOS   Naeem Siddiqi Senior Advisor, Risk and Quantitative Solutions, SAS   Naeem Siddiqi is the author of the books Credit Risk Scorecards and Intelligent Credit Scoring, and has advised and trained bankers in over 20 countries on the art and science of credit scoring. He has worked in retail credit risk management since 1992, both as a consultant and as a risk manager at financial institutions.   At SAS, Siddiqi played a key role in the development of products relating to credit scoring. He is currently responsible for advising customers on issues concerning credit scoring and decisioning, risk strategy, climate change risk, and AI/ML in credit risk, as well as modernizing analytics infrastructures. He continues to meet and advise C-level bankers at top lending institutions worldwide.   Siddiqi was granted a bachelor’s in engineering with honors from Imperial College of Science, Technology and Medicine at the University of London, and a master’s in business administration from York University in Toronto.     Alex Kwiatkowski Principal Industry Consultant, Global Banking Practice, SAS   Alex Kwiatkowski is SAS’s Industry Lead for Banking & Capital Markets. His role centers on articulating and amplifying company strategy and point of view to C-level executives, partners, media and influencers, along with creating powerful narratives and compelling content for thought-leadership purposes.   Prior to joining SAS in October 2017, Alex was the Senior Strategist for Banking and Digital Channels at Finastra (formerly Misys). Before this, Alex ran IDC’s Financial Insights team in Europe, where he was responsible for all advisory and consulting services, working closely with banks, technology vendors and service providers. He also spent four years as a Principal Analyst within Ovum’s Financial Services Technology Practice, and prior to that completed a stint as a senior manager within LloydsTSB’s Business Delivery team.   With a career spanning over 15 years in the financial services industry, and a decade spent in the fast-moving telco world before that, Alex is a veritable mine of significant and valuable knowledge. He is full of keen insights into how the sector must evolve, is blessed with a restless curiosity to explore and challenge traditional thinking, and possesses an unquenchable thirst for discovering new information – from the trivial to the revelatory – to help form his opinions. A regular speaker at major global industry confer