John Ralph

John Ralph is a Principal Advisor for Regulatory Risk & Institutional Governance at FissionPoint Assurance, helping clients navigate complex supervisory frameworks and evolving regulatory expectations that influence strategy, governance, and reputational standing. At Fitch Ratings, he assessed institutional risk and governance structures at major U.S. banks—including G-SIBs and large regional institutions with assets exceeding $150 billion—collaborating directly with senior leadership at global financial institutions on regulatory capital, liquidity, and enterprise risk matters.

Known for his sound judgment and ability to distill regulatory complexity into actionable insight, John authored Fitch's first internal analysis on reciprocal deposits—a critical regulatory and liquidity topic—and contributed to Federal Reserve stress test commentary and the Quarterly Banking Comment. His background bridging credit evaluation and regulatory analysis enables him to advise institutions operating in today's dynamic supervisory and compliance landscape.