This role reports to the Retail Workstream CCAR Office (RWCO) Tools and Analysis team lead within the Personal Banking and Wealth Management Independent Risk Management organization. The position is engaged in critical activities related to Citi's capital planning and stress testing, particularly overseeing key areas under the Retail workstream within the Comprehensive Capital Analysis and Review (CCAR) and DoddFrank Act Stress Tests (DFAST) regulatory initiatives, as well as internal Quarterly Multi-Year Multi-Scenario Forecasting (QMMF) exercises.

The objective in this position is to work closely with macro variable forecast teams and analyze macro variable forecast trends in the different stress test scenarios for CCAR, CECL, IFRS9 and Climate Risk.Coordinate feedback processes for macroeconomic variables forecasts for retail workstream, work with the retail modeling team for selection of macroeconomic variables and prioritize CCAR and CECL models. Creating and maintaining CCAR Model Inventory at the lowest grain level for systematic upload of CCAR model forecast data by businesses. Interact with retail business partners for review & challenge of CCAR results and manage the team automating the CCAR results analysis process by creating and maintaining tools to increase the efficiency. Work together with the MRM, FP&A, PPNR, RWA and Central CCAR teams for CCAR results review to ensure adherence to with GAAP and instructions from regulatory authorities.

The main function as Manager of CCAR is to coordinate, analyze and evaluate the capital structure and its stability in different base and stress test scenarios for the Mexican unsecured and secured portfolios, to support the analysis of the Federal Reserve Board (FRB), under the CCAR-DFAST requirements and methodologies. Deliverables include, but are not limited to, semi-annual forecast and downside scenario generation, review of forecasting methodologies, ad-hoc analysis and presentations for regulators, Board of Directors, and senior stakeholders. The work involves a mix of analytics, forecasting governance, and project/process improvement work as part of the production cycles.

The first step in effective credit risk management is to gain a complete understanding of a bank’s overall credit risk by viewing risk at the individual, customer, and portfolio levels. For that reason, as the BDM for Experian, I was responsible for identifying the needs of banks and Telcos on those terms, throughout the credit cycle developing road maps and strategic planning according to their business, but also proposing solutions according to their specific needs. Detailed project management to generate new opportunities, search for synergies, new products and pilots for innovation, increasing the market share, but also following the local industry and global trends in terms of Credit Risk Management. To support the client, using company´s tools and core systems, Monitoring the performance and quality of the services held by Experian.

Responsible for managing and developing the integral process to evaluate, identify, monitor and reduce the risks associated with the company efficiently and effectively, mitigating the possible risks, whether financial, strategic or relative to compliance that could interfere with the objectives and goals of the company. It is within the main responsibilities to develop and promote policies and regulations aimed at maintaining adequate levels of risk. The Credit Risk and Fraud Prevention Manager has a direct report to the CEO (general manager) and is in charge of delivering to the Management Committee and the shareholders, all the necessary information for a correct decision making, in terms of management and the exposure of risk.

CCAR and BASEL are the regulatory framework reports introduced by the US Federal Reserve that ensure that banks have robust capital structure processes and that the projections account for their risks and sufficient capital to continue operations in the moment of an economic and financial crisis.This function involves the coordination of several projects, the monitoring, supervision and presentation of reports on problems and risks, the creation of presentations, helping to coordinate the internal audit examinations and external regulators, additionally carrying out the consolidation of indicators of Consumer Risk used by management to make decisions.

Prepare and present the credit risk reports (Including MIS) for Colombia, aligned with the practices and control standards established by the regional Basel regulation (LATAM). Manage the bank's portfolios, attesting to the accuracy, timeliness, reliability and integrity in the presentation of the indicators and credit parameters. Control the credit risk of each portfolio / portfolio of the Bank.Administrar las carteras del banco en la plataforma global de consolidación de consumo de Basilea (GCBC), dando fe de la precisión, oportunidad, confiabilidad e integridad en la presentación de los indicadores y parámetros crediticios mensuales de Basilea.Controlar los principales indicadores crediticios de cada cartera / cartera del Banco, realizando conciliaciones mensuales de las distintas fuentes, garantizando que se expliquen las diferencias y variaciones y se identifiquen los planes de acción para la corrección de las mismas.Consolidar y controlar los parámetros de riesgo y tendencias de los activos ponderados por riesgo (RWA), realizar análisis de carteras buscando identificar oportunidades de mejora para los indicadores de capital de riesgo crediticio.Asegurar la adecuada documentación de los procesos y la difusión del conocimiento de los parámetros de riesgo, pérdidas esperadas e inesperadas y el modelo de capital económico.

Responsible for the analysis and processing of product requests from clients to the bank, preparation of the transactional profile of the client and possible indebtedness and risk, taking into account their economic and social profile, ensuring compliance with the policy caring for the interests and the bank's portfolio.

Daily control of the Own Position in USD and FOREX, to report to the money desks and start the day's negotiations, the correspondents are reviewed every hour, and the respective reports are made to the regulatory entities (BANREP, Super Financiera, among others ), at the end of the day operations are closed and adjustments are made to control and detect differences between the administrative charge and the accounting charge (foreign currency).

Support in the commercial operations of shares of natural persons, replenishment in the treasury to the head of accounting accounts, control of own position in pesos, preparation of letters of credit for payments, control of ACH payments requested by clients, daily MEC closing.