it
Big 4 risk assurance vs risk advisory (technology)
迷惘嘅fresh grad
Hello, 唔好意思呀我又post多次。因為之前個post 沉左底，但好似未有reply😂想問下兩個post 嘅性質係咪都差唔多？之前上過官網同LinkedIn 見兩個position都會涉及一d IT audit, regulatory compliance 嘅job。想問下兩者出路會唔會有大嘅分別? （已知2個position都可以接觸到financial industry 嘅clients）自己係讀緊general bba, 但都take 過唔少quantitative/technical 嘅courses,e.g. VBA, programming, stat, data analysis ,etc. 都有興趣做d quantitative 嘅工（e.g. risk management)將來會想入返bank middle/back office (但重諗緊邊個field會適合自己多啲）如果入risk assurance/risk advisory (technology)會唔會好難轉返入一d quantitative 嘅工？重有邊幾方面嘅middle/ back office 工都適合呢個background 🤔？Thanks so much.
編輯於2022年06月07日
Anthony@OnMyGrad
高手高手高高手
No problem at all!! 係我哋衰😂😂😂 Sorry Sorry 🙏🏻🙏🏻
All in all無論上網睇同實質上兩個都可以係話名稱上嘅分別，但講到Risk Adviosry之下有就真係有唔同嘅streams，我哋問咗Big4 Risk Advisory嘅insider得出以下嘅答案：
Risk advisory大致可以分為Financial Service Investigation、Business Risk 同 Technology Risk (某行分類方法)。
先講小結論：其實條exit pathway好唔好真係好睇你分咗去邊條team同做咩project。不過呢啲都可以入到去同Manager // Partner傾下，可以做到internal swap嘅。
話說回頭，如果要認真分享唔同stream嘅career path，以下可以分別根據頭先講個嘅三個分類(Financial Risk > Technology Risk > Business Risk)去逐一分享：
如果係被分去 #FinancialRisk 當然exit pathway就會闊好多。有唔少嘅朋友仔都可以去番ibank度做，工作上嘅engagement都會diverse啲，用到唔同嘅analysis tools，e.g. Bloomberg // S&P。不過都有聽過朋友去咗Forensic Team話前景唔係幾好，因為好多都係類似查家宅咁，冇咩tech skills可言。
#TechnologyRisk 果條team而家都會接多咗blockchain方面嘅project，宜家咁多銀行都講緊開拓virtual bank個market，相信佢地要呢方面嘅人才都會多咗，自然可見transferability都會大啲！
#BusinessRisk果條team當然唔係只係得internal audit啦 (雖然都佔咗好大部分😂)，宜家都會加埋Sustainability、ESG (Environmental, Social and Governance) 果啲元素落去。有心想去呢方面發展嘅都係唔錯選擇，所以exit pathway都會闊返少少。
答返你條問題：其實如果aim financial sector嘅Risk // Compliance Department，記得要考返啲牌，e.g. CPA // CIA // CISA，機會就會再大啲喇！
我哋深入就向Manager grade人士了解更真實情況：insider強調雖然audit係要overnight work，但講到exit path果陣risk advisory簡直係比下去；不過就算有好多career paths，由accounting firms轉走一定要面呢個trade-off：”Job Instability + Huge Salary Cut”，the only exceptional case係除非你有父幹幫到你跳去PE RM or Credit Assessors⋯⋯否則基本上只會跳去呢三大類別：
- Financial Institution
- Compliance Regulators
- Corporate finance
最後最後，可能佢in得多fresh grad applicants啦，佢都分享話「But kids now already think how to jump boat before interview this job lol」⋯可能somehow俾到啲啟示大家，記得小心啲唔好show到你哋心底深深處想做兩三年就走嘅諗法啦，interviewers feel到始終感覺唔良好。
編輯於2020年04月15日
