Marc Pharoah

In 2024, I chose to step out of line‑management roles and focus full‑time on my Doctorate in Business Administration, specifically to research how risk culture, escalation and safeguarding can fail even in well‑governed financial institutions, and to develop practical diagnostics and tools that close this gap.

I uncover the hidden behavioural forces that shape decision-making and risk culture in financial organisations. I translate everyday signals of voice, judgment, and interaction into audit-ready diagnostics and practical interventions that help firms move from formal compliance to genuine openness and resilience.

What I do: Translate subtle, everyday behavioural evidence into clear, traceable insights and measurable indices for governance and regulatory use.

My unique offer: Connect granular enterprise conversational and observational signals to risk outcomes, producing intervention-ready recommendations and defensible metrics.

Typical clients: Senior leaders, risk and compliance teams, internal audit, and regulators in financial services who need to detect latent cultural fragilities before they become crises.

Value I deliver • Reveal hidden risks by mapping speaking-up dynamics to organisational vulnerability. • Strengthen organisational voice so issues surface and are fixed earlier. • Deliver practical, traceable remedies and indices suitable for board and regulator review. • Reduce the likelihood of costly failures that threaten jobs, reputations, and market confidence.

Core conviction: Healthy risk cultures protect people, institutions, and markets. Focusing on lived behaviours—rather than only policies—builds trust and operational resilience.

Call to action: If you lead risk, culture, audit, or regulatory oversight and want diagnostics or pragmatic tools to surface and remediate cultural fragilities, let’s connect.