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Supervisory Insight
Practical Solutions
The sustainable finance agenda is transforming the financial sector. Meeting complex EU regulations and managing new climate-related risks demands more than just data - it requires practical, supervisory-grade implementation.
At Envira, we make climate risk management tangible and translate regulatory complexity into workable tools that fit your existing processes. We don't just provide theory; we deliver robust, auditable solutions that are built to withstand scrutiny.
Our advisory practice is led by Theodor Christensen, formerly the Deputy Director and Head of Sustainability & Climate at the Danish Financial Supervisory Authority and the Head of Sustainability Compliance at Danske Bank.
This unique blend of senior supervisory and in-house practitioner experience means our advice is grounded in reality. We know what regulators expect, and we know how to implement it effectively within a large financial institution. We focus on getting you compliant quickly and building sustainable frameworks that support your long-term strategy.
We focus on three core areas, providing senior-level expertise to solve your most pressing challenges.
We move you from regulatory ambiguity to audit-ready compliance. We design and implement robust frameworks for the EU's core sustainable finance rules, ensuring your disclosures, product classifications, and data strategies are built to last.
Advising on the integration of ESG and climate risks into your prudential frameworks, including Pillar 3 disclosures, risk management processes, and governance structures.
Practical implementation of Article 6, 8, and 9 product classifications, PAI statement logic, DNSH (Do No Significant Harm) assessments, and full website/periodic disclosure templates.
Building practical eligibility and alignment assessment tools, developing data strategies (for in-house and third-party data), and establishing governance for managing minimum safeguards.
Advising on the strategic interface between your enterprise-level reporting and your financial product disclosures, ensuring data lineage and internal controls are assurance-ready.
Framework design, pre- and post-issuance reporting setup, and ensuring robust Taxonomy linkage that meets external reviewer requirements.
We make climate risk tangible, embedding it directly into your core prudential and risk management processes. We help you move beyond high-level policies to integrate climate factors into the frameworks your teams use every day, aligned with supervisory expectations.
Integrating climate and ESG factors into your core risk assessments—from credit and lending decisions (for banks) to investment risk and solvency analysis (for pension funds and insurers).
Designing and calibrating your ESG risk appetite, establishing meaningful metrics (KRIs/KPIs), and incorporating climate scenarios into your ICAAP, IORP II, or ORSA processes and stress-testing frameworks.
Building practical, three-lines-of-defense models for ESG risk that meet supervisory expectations for governance, measurement, and monitoring.
We prepare your organization, from the board down, for a new era of supervisory focus. We leverage our regulator's-eye view to ensure your teams, processes, and documentation are inspection-ready.
We pressure-test your files, documentation, and evidence trails. We simulate supervisory Q&A to identify gaps before your regulator does.
Delivering tailored, high-impact sessions on the strategic implications of climate risk, regulatory expectations, and directors' duties in the new landscape.
Hands-on workshops for your risk, compliance, legal, and product teams. We provide practical toolkits for implementing SFDR, CSRD, and credit risk rules.
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Integrating climate risk into credit, lending, and prudential frameworks is no longer optional. We provide the senior supervisory and practitioner expertise to make this integration tangible, helping you meet EBA and CRR/CRD expectations and build a resilient, compliant lending portfolio from day one.
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In a market defined by SFDR and the EU Taxonomy, robust implementation is critical to your license to operate. We provide senior, ex-regulator expertise to build practical, audit-ready frameworks for product classification, PAI statements, and data strategies, ensuring your disclosures withstand supervisory and investor scrutiny.
Insurers face climate risk on both sides of the balance sheet. We help you navigate this dual challenge. Our expertise ensures your investment products are fully compliant with SFDR rules, while also helping you embed climate risk scenarios into your core prudential frameworks (Solvency II/ORSA).
Protecting member returns requires mastering long-term climate risk and complex regulation. We help pension funds navigate SFDR and Taxonomy compliance for their investments and embed climate factors into their core prudential processes (IORP II), aligning fiduciary duty with supervisory-grade risk management.
Agro Risk wins the EU Big Data from Space Award 2025 for turning satellite data into climate intelligence — empowering banks, insurers, and farmers with actionable insights on climate and agricultural risk.
The Danish FSA’s new report highlights that ESG and climate risks are core financial risks, urging banks to adopt data-driven methods for integrating them into credit and risk management—an approach Envira already supports through its practical climate risk frameworks.
Envira’s study shows European banks recognize climate risk as a core prudential issue but remain early in embedding it into quantitative risk and capital frameworks.
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The Danish FSA’s review finds that the EU Taxonomy has become a compliance exercise rather than a driver of green finance, with low sustainability alignment and weak qualitative reporting across institutions.