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David Harper is Head of Enterprise Risk at Fidelity International. He is responsible for the global Enterprise Risk Framework which includes responsibility for the Capital Assessment Framework (the group has both ICAAP and ORSA requirements in the UK). Prior to joining Fidelity, David was a director at KPMG in Bermuda leading their risk and compliance service advisory offering. David spent nearly 16 years with KPMG which included time in New Zealand, the Cook Islands and Moscow.