Adrian Căruceru Email & Phone Number

Bucharest, Romania

Bucharest, Romania

Bucharest, Romania

I am dedicated to empowering women from disadvantaged backgrounds through transformative financial literacy.My role involves designing and implementing comprehensive financial education strategies that equip women with critical skills to achieve economic independence, build sustainable livelihoods, and become change agents within their communities.

Bucharest, Romania

Bucharest, Romania

- Increased clients' average savings rate by 25% through tailored budgeting- Guided 40 clients to create and stick to their first-ever monthly budget, resulting in an average 15% reduction in unnecessary expenses- Developed and delivered 8 financial literacy workshops, with 95% of participants reporting improved understanding of basic financial concepts.

Bucharest Metropolitan Area

1. Conducted 30+ comprehensive financial analyses, identifying 3 key improvement areas per client on average.2. Implemented personalized financial plans for 25 clients, increasing savings rates by 15% within 6 months.3. Guided 20 clients in establishing initial financial goals focused on emergency fund creation and debt repayment

România

România

Chișinău, Moldova

The objective of the "OK" Financial Education Foundation is to support and promote responsible financial behavior among children, youth, and adults in the Republic of Moldova

Bucharest Metropolitan Area

Bucureşti, România

Bucharest, Romania

Coordination of the financial education program powered by OTP Bank Romania.

Bucharest, Romania

Bucharest, Romania

Role Context & Assignment Purpose:The Business Monitoring Department is an active support and control structure within the Real Estate Division, supervising and providing business counselling to the Division’s Real Estate Projects Department and Operational Services Department (including the Project Management Office, owner of the bank’s Retail Plan). Areas of Responsibility & Direct Involvement:Elaborating the strategy of the Real Estate Division and centralizing, monitoring & reporting on initiatives within a one year span (Retail Plan: network optimization and modernization). Project Management for the Retail Plan.Management, monitoring and stage reporting of transversal bank projects as part of the REM Strategy within the REM Cluster (forum of the initiatives’ stakeholders), e.g.:• REM Business Continuity Plan (Project Manager)• Risk Control Self-Assessment | RCSA (Project Manager)• Review and update of norms and work procedures (Project Manager for Internal Regulation)Volunteering & Professional Advocacy:Financial Education programs at all levels of understanding (from kindergarten pupils to adults);Train the Trainers, launch of call to action to professionals interested in delivering financial education under BCR’s umbrella program “Școala de Bani” (The Money School)

Bucharest, Romania

Assignment Context & Job Purpose:Project Management for the reorganization initiatives of the newly established Turnaround Department. Management of allocated “White Books” (Real Estate, Communications, IT, Operations).

Bucharest, Romania

Job Scope & Contents:Managing a portfolio of clusters, aka structures generating processes. Design and revision of procedures, processes and workflows.

Bucharest, Romania

Assignment Context & Related Accountabilities:Start-up of CaixaBank in Romania | Ensuring a qualitative market presence of CaixaBank in Romania | Creating a client-driven banking environment to provide the same level of client excellence on local grounds like the mother bank in Spain | Overall bank administration together with the Spanish Country Manager | People Management (8 direct reports) Measurable Achievements:• Ensuring all legal and technical requirements for the bank to become operational in Romania and consecutive successful launch of the branch• Competent implementation and subsequent management of a fully functional operational system• Qualifying the bank to become a direct participant in the National Payment System• Building up a viable commercial offer for both retail and corporate clients (development of products for current operations and credits)• Creating the compliance function and being consequently acknowledged as fully compliant with the requests of the National Bank of Romania• Smoothly managing the relationship with the NBR during their on-site surveillance missions (relationship with the regulation and surveillance body)• Accurate monitoring of credit reimbursement More Areas of Management, Input & Key Contribution:Business Relationship with Clients (including KYC due diligence) | Supervising client file updates to comply with legal requirements | Supervising middle-office team related to different setup processes (cash management, letters of guarantee, loan administration) | Bank Representative in charge of the AML reporting and of the international sanctions regulations | Coordinating and executing the clearing and settlement of local interbank transfers as Certified User of Transfond (SENT and ReGIS systems) | Coordinating specific activities requested by the audit missions (both from the Central Bank and from the Barcelona-based HQ) and following-up on report findings

Bucharest, Romania

Assignment Context:Rotation assignment after successfully managing the Almasul Branch, moving to Ag. Iancului as its Branch Manager. People management: 3 direct reports. Achievements:• Ranking high in terms of client loyalty (including clients who followed me from the previous branch to the current one)• High sales volume on the product portfolio for SMEs (“Ristretto” product range)

Bucharest, Romania

Assignment Context & Related Accountabilities:Promoted from Relationship Manager to Branch Manager. Opening of the Almasul Branch and subsequent Commercial Management. People management: 5 direct reports. Team management & development, Internal Control.Achievements:• Ensuring a quick progress of the branch results (number of clients and consumer loans) which ranked the Almasul Branch on the second place among other 30 branches within the same area• High-value sales of an investment product to a retail customer

Bucharest, Romania

Assignment Challenge:Switch to operations, relationship with retail customers.Relevant Achievement:• Significantly increasing the number of the sold savings-lending products (by 20%)

Bucharest, Romania

Job Scope, Contents & Responsibilities:Holding stakes and interests in about 20 different companies, BRD founded a compartment within the bank’s General Secretary to analyze and monitor the status and evolution of its investments. Financial analysis of the companies where BRD held shares and representative of BRD in the general assemblies of these companies.

Bucharest, Romania

Key Contribution:• Spotless writing of speeches and interviews on behalf of the bank’s CEO, Bogdan Baltazar

Bucharest, Romania

Mission & Accomplishments:Qualitative contribution and valuable written content for approx. 40 magazines (5 – 6 documented articles in each print) | Coordination of special editions of the magazine on different segments of the banking markets, products and services | Launch of new columns with enriched contentsAcknowledged Achievements:• Developed excellence in economic journalism by enhancing new standards in presenting the domestic banking system, its evolution and perspectives• Consolidating a leading position of the magazine on the economic & business journalism market• Complex, unprecedented market analysis of Non-cash Payment Instruments

Bucharest, Romania

Job Scope & Professional Involvement:Implementing a scoring methodology for evaluating the financial position of insurance companies | Contribution to the annual report of the bank

Certificate, Project Finance

Bachelor Of Science In Finance & Banking, Finance And Banking