Juliet Dytoc

First Vice President & Chief Risk Officer and Head, Enterprise Risk Management Group
PNB
Profile
JULIET S. DYTOC, 55, Filipino. “Juliet” is First Vice President, Chief Risk Officer and Head of the Enterprise Risk Management Group (ERMG). She joined PNB in 2010 under the Trust Banking Group as Trust Risk Division Head. In this capacity, Juliet institutionalized the Trust Risk Management framework that covered a comprehensive range of risk areas including credit, market, operational, strategic, regulatory, liquidity, and reputational risk, among others. In September 2020, Juliet was appointed as head of Market and Asset Liability Management Division under ERMG to manage the Bank’s market, liquidity, and interest rate risk exposures.  She was designated as the officer-in-charge of ERMG in February 2022 and appointed as the Chief Risk Officer in March 2023. She has 30 years of experience in the banking and finance industry in the areas of risk management, account management, and product development.  She started as a management trainee joining then PCIBank’s Management Development Program and was eventually seconded to PCIB Securities as an Investment Analyst.  She took interest in the Trust business and was transferred to Equitable PCI Bank (now BDO Unibank) as a Trust Portfolio Manager.  She continued this track in Metrobank as Trust Credit and Risk Officer, the first Trust risk management unit in the banking industry.  She briefly handled product management at Standard Chartered Bank where she made available structured products for wealth management clients.  At Sterling Bank of Asia, she refocused on risk management as head of its market risk unit. Prior to delving into the banking industry, she was involved in various international organizations such as Enfants et Développement, a French Non-Governmental Organization, French Embassy, UNICEF, and Food and Agriculture Organization of the United Nations, International Committee of the Red Cross. Aside from French, she is fluent in conversational Chinese. Juliet graduated cum laude with a Bachelor of Arts degree in European Languages and obtained her Master’s degree in Business Administration from the University of the Philippines. In 2000 she completed, placing fourth out of 80 participants, a one-year course on Trust Operations and Investment Management given by the Trust Institute Foundation of the Philippines.  She was at some point certified by the Securities and Exchange Commission as a Fixed Income Salesman.  She is a Chartered Financial Analyst (CFA®) Charterholder and an active member of the CFA Society of the Philippines since 2005.

Speaker for

Modernising risk management in Philippines banking: navigating new frontiers

Panel discussion
09/04/2025 | 10:30 - 11:05