Antonio Marcus Laake Email & Phone Number

Stavanger, No

Stavanger

Oslo Area, Norway

•Hovedansvarsområdet er finansiell risiko, operasjonell risiko og strategiske risikoer. Ansvarlig for utforming og gjennomføring av konsernets risikovurderingsprosesser. 2.linjeansvar for Gjensidige bank – herunder oppfølgning av risikoappetitt, gjennomføring av risikovurderingsprosesser, deltakelse i ICAAP prosessen (analyse arbeid til tilsynet) og rapportering til styret. Leder videreutvikling av metodikk, arbeidsrutiner og verktøy. •Forberedelse og strategiske analyser i forbindelse med årlige planlegging av konsernstratgien og investeringsstrategien •Koordinering av ORSA-prosessen og innhold i ORSA-rapporten på konsernnivå for øvrig å styrke koordineringen/samordningen mot døtre (Nordisk og Baltikum).•Lage diverse analyse og risikorapporter til konsernet.•Fagansvarlig for finansiell risikoer.•Utvikle og analysere KRI’er (Key Risk indikatorer), utvikle operasjonelle scenarioer og stresstester og utvikling tidlig varsling/nøkkelrisikoindikatorer for beslutnings takere.•Andre ansvarsområder for Gjensidige ASA: organisasjon, HR og sikkerhet, KSFT (konsern Stab felles tjenester), Gjensidige Banken, og SFØ (Strategisk finans og Økonomi)•Risk Manager i 2 danske datterselskaper (Nykredit og Mølholm Forsikring AS.•Bærekraft og samfunnsansvar rapportering til ledelse.

Stavanger Area, Norway

• Pricing summary: Deal Pricing, Product Pricing Strategy, Retention Pricing, Campaign Pricing – CRM Activites, Product Enhancement, Revenue Enhancements Initiatives, Model Updates and maintenance, Price Testing• Pricing Reporting summary: New Volume Profitability Reporting – Monthly / Budgeting, Reporting IFRS, FAS91, Responsible Lending, FTP, APR Changes, APR Budgeting and monitoring, Asset Growth & Profitability Analysis, Internal financial reporting and forecasting• In charge of pricing models (improvement and maintenance of existing models) • Participated in deal teams and new product introduction projects. Also responsible for profitability calculations to determine deal or product structure. Interacted closely with sales and product owners.• Aligning pricing strategy & overal GE/Santander Capital strategy,deal returns hurdle setting and deal returns evaluation within the credit underwriting process• Interest Rates Calculations and adjustments into Pricing models• Developed and implemented analytics tools on volume & Margin impact to assess risk and ensure compliance• Developed and improved models for forecasting lifetime profitability (both P&L and balance sheet) for all products and larger deals.• Analysis of commercial profitability (margin, volume, cost of funds & return on investment, expenses) of acquired assets • Created budget for products profitability and performed monthly reporting towards plan for the management• Collaborated with Finance, Risk, Marketing and Operations teams to determine optimal pricing levels• Embedded Pricing Policy & Procedures from Capital governed under the Enterprise Risk Management Committee ( ERMC) into local pricing models• Regulatory and internal financial reporting and forecasting

London, United Kingdom

• Responsible for the co-ordination of Basel II Pillars 2 and 3, Group Risk Management Framework, and supporting the executive management and risk committees through to the Board.• Provided pro – active risk based advice to Treasury Investment and Commercial which addresses the impacts of regulatory change on business process• Managed the Treasury and Commercial Team to provide the business with risk based compliance advice that addresses the impact of new and existing regulation on business process• Rectified flaws in the old process and provided analysis support and others inputs in the creation of new retail calculators.• Fully analyse Regulatory Capital outputs, providing value added explanation.• Developed analysis tools to improve the capital analysis, commentary and forecasting capability.• Responded to ad hoc request using SAS where appropriate to provide PD, LGD and EAD models analysis & commenting results• Supporting analysis of Internal Capital Adequacy Assessment Process (ICAAP) and Economic Capital framework for Basel II Pillar 2 analysis.Solvency Capital• Reconciliation of numbers: I have improved the checks to reconcile numbers back to source / balance sheet. This has eliminated regularly occurring errors that slipped through previously. • Analysis of Economic and Regulatory Capital, identifying and explaining monthly / year to date movements and variances against plan and forecasting.• Preparing internal monthly reports on both capital measures, using analysis to provide value added commentary to a challenging timetable. In addition, communicating the findings to senior executives, committees and other key capital stakeholders in the society.

London, United Kingdom

• I manage a team of analysts who produce, submit and publish Regulatory Capital reports and provide analysis of our Regulatory Capital position. As a team we’re responsible for delivering accurate, compliant and insightful reporting internally to the business and externally to the PRA / Ratings Agencies. Key stakeholders include senior management, internal committees, the PRA and market participants. • Developed analysis tools to improve the capital analysis, commentary and forecasting capability.• Reporting across the Group with a particular focus on supporting the information needs of the Capital Management working Group and Senior Risk Committees.• Compiling the related reporting and analysis, including Pillar 1 numbers to be included in the Capital Report and those required for various risk committee packs.Solvency Capital Reporting• Responsible for Economic Capital analysis, reporting, forecasting and stress testing for Nationwide’s Commercial and Treasury Business.• Assist in the development and quantification of a Group wide Risk Appetite, providing insight and data as required.• Running of the Economic and Regulatory Capital Calculators and production of Economic and Regulatory Capital requirements on an actual, planed and forecasting basis. Production of supporting analysis and commentary for inclusion in internal reporting.

London, United Kingdom

• Research and construct mathematical models to enable the Society to continually improve its understanding of Risk.• Explain the detailed statistical methodologies used to other modellers, and to translate these into easily understood ‘layman’s terms’ for the wider business community who will be using the models and their outputs.• Provided response analysis to answer questions raise by the FSA on initial review of the PD, EAD and LGD models• Influence at all levels up to Divisional Directors, across the Group and through dialogue with business, ensures we have robust and practical tools, which will assist in the business in making the right decisions.• Responsible for monitoring and managing the portfolio and for delivering systems and strategies that maximise the portfolio performance and support corporate targets. • Analysed and validated internal models, Treasury rating model from Moody’s, LGD model, Pension Risk model • Build Index 2 Index correlation model using simple regression techniques.• Researched techniques to support the modeling of specific risk as the needs are identified.• Development, monitoring for retail unsecured risk and capital models

London, United Kingdom

• Maintenance and upgraded Economci Capital Models for secured and unsecured prodducts and on occasion for other risk areas, VaR,Correlations models• Conducted independent review of risk management models as part of the validation process, PD, EAD and LGD models• Build predictive models with varying purposes. Use various tools such Time Series Analysis,Non-Parametric Modelling and Bayesian Analysis to bring large amounts of data together to create de deeper and more rounded analysis for business focused • Analysing credit events, and creating Basel compliant models for the purposes of regulatory capital, economic capital, stress testing and loss forecasting• Assisted in administration and development of Risk Knowledge Base• Worked with other risk modellers and other business units• Regulatory framework and modelling requirements for Basel Project• I assisted in setting up new Retail Modelling Team, responsibilities includes Stress Testing multiple secured and unsecured Retail portfolios, scorecard development and portfolio monitoring

Stavanger Area, Norway

• Responsibilities: Analysis, Preparation and processing of data, Credit Instructions, Develop and maintain scorecards, Risk reporting, Quality project participation, Collaboration• Credit portfolio Analysis – Perform necessary analysis to identify possible changes.• Analyse - Participate in development of new products and make future analysis to find products risk profile. • Prepare and organise data - Evaluate portfolio to prepare and organise data if necessary. • Ensure that necessary data is available for risk reporting and analysis. • Credit Instruction – Ensure that Credit Instruction is updated and contribute to develop it. • Develop and maintain Models – Develop, update and maintain existing models like calculation of profitability, GRRM/Markov – Reserve Calculation.• Prepare CRP in cooperation with Finance.• On behalf of Risk, participate in different projects to make sure that Risk goals are followed in Quality projects. • Risk reporting – Compose Risk reports to management and corporate management. • Balance figures between risk and finance• Perfomed necessary analyses to uncover potential changes in the credit portfolio• Participated actively in the development of new products and performed the necessary analyses to define the prospective risk profile for the products• Developed, revised and maintained existing scorecards

Master Of Science (M.Sc.), Finance Program

Gained specialised knowledge within modules: Financial Reporting and Analysis / Corporate Finance / International Financial Management /.

Certificate, School Of Management, Introduction To Quantative Risk Assessment

Completed as a single six month program. Provided by Nationwide Building Society (my previous working place).Part-time courses.

Bachelor, Business Administration (Bba) - (Økonomistyring Og Investeringsanalyse)

Specialisation: Real Investments and Statistical Optimization Strategic Cost Analysis and Decision Theory Modules: Strategic Cost Analysis.

Master’S Degree, Risk Management ( Erfaringsbasert Master Studie I Risikostyring Og Sikkerhetsledelse)

A good introduction to the basic principles and ideas for managing risk and uncertainty. Other key topics are decisions under uncertainty.