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Angela Luget


Leads high-impact commercial transformations in banking, enabled by data, AI, and generative AI

Angela is a partner in McKinsey’s London office who advises clients in the financial services industry. Her areas of expertise include commercial transformations enabled by data, AI and generative AI (gen AI), AI trust, and risk management. She has more than 20 years of experience leading data and AI transformation programs to enable growth, enhance risk management, meet regulatory obligations, and reduce costs. Angela is a leader in our gen AI unit, and she leads our global initiatives in AI trust.

Examples of Angela’s recent work include:

  • leading an enterprise gen AI strategy and transformation for a major European bank, identifying around €200 million in value potential, prioritizing the highest-value applications for gen AI, and designing the capabilities to successfully scale gen AI, including operating model, talent, data, technology, and AI trust
  • supporting a major European bank to define its global gen AI strategy, including outlining the gen AI risk and compliance principles and required changes to the risk management framework
  • guiding an enterprise gen AI strategy and transformation for a major bank in Europe, the Middle East, and Africa (EEMA), identifying about €100 million per annum in transformation potential; this included defining the highest-value applications for gen AI and embedded required capabilities to successfully scale gen AI, including operating model, talent, data, technology, and risk guardrails, and successfully leading implementation of core banking documentation using gen AI
  • steering an enterprise data and analytics strategy and transformation for a major bank in EEMA, encompassing operating model change, and defining high-priority analytics use cases and data domain remediation
  • advising on gen AI use case selection for a major global bank and supporting implementation of the bank’s first gen AI model, helping relationship managers assess climate risk
  • assisting with the global risk transformation of a global bank, with assets of nearly $3 trillion, to deliver annual cost savings of $154 million and enhance risk control through digital adoption, automation, and operating model change; this involved designing and implementing the new risk organization, skills strategy, location strategy, reporting and analytics strategy, and data strategy across a function of over 6,000 people in 65 countries
  • directing a multiyear program to measure financed emissions and set net-zero targets for a major global bank and defining strategy to implement net-zero targets, including changes to the operating model and key decision-making processes, e.g., risk appetite, financial planning, capital allocation, and portfolio management
  • helping a large global bank optimize its environmental, social, and governance (ESG) data design and embed data engineering best practices, leading to a 50 percent reduction in time to develop ESG data pipelines
  • shaping and leading a BCBS 239 compliance program for a major UK bank

Published work

How generative AI can help banks manage risk and compliance,” McKinsey & Company, March 2024

As gen AI advances, regulators—and risk functions—rush to keep pace,” McKinsey & Company, December 2023

The next frontier in risk efficiency,” McKinsey & Company, April 2023


Director, global risk transformation

Managing director

Program manager


University of Cambridge
BA, natural sciences