Working with the treasury team to improve processes and yield on treasury book

Treasury and Financial Markets consultant and advisor

Developed risk management and controls.Achieved income targets for foreign exchange and interest income. Managed cash flows and liquidity in Sterling and foreign currencies. Manage implementation of Treasury front office dealing and risk systemsHired ,managed and developed staff in Treasury.Developed bespoke products in conjunction with Private Bankers for HNW clientsImplement liquidity management framework.Develop ILAAP in conjunction with Finance teamDeveloped market contacts, managed the relationships enabling the bank to transact fx and money market business.Senior member of the Bank’s ALCO, presenting on treasury risk and compliance.

Develop risk management and controls for the companyManage implementation of Treasury front office and risk systemsManage development of the Treasury department including selection of appropriate staff

Wrote Treasury and risk policies for the BankAdvise Bank on liquidity and market risk.Present to the Banks board on risk issues affecting the Treasury function and gain their approval on risk appetite.Prepare and present Board risk training session.Setup and chaired the banks first ALCO.Developed risk reporting framework for the Bank.Wrote ILSA for the Bank

Review Market and Liquidity Risk Framework.Review and assess Market and Liquidity Risks arising from the banks exposures.Provide oversight and and challenge to the Treasury function with regard to Market and Liquidity Risk

• Develop FSA ILAA regulatory application for the bank including FSA047 and FSA 048 reporting, with appropriate stress testing scenarios.• Developed robust risk management, reporting and controls, MI reporting for Treasury.• Wrote Treasury, Counterparty, Market and Liquidity risk policies. Wrote dealers procedural notes for the bank using best practice methodology and current market practice

Provide subject matter expertise on risk requirements for banks, business development for risk division.

• Managed interbank counterparty risk and advised bank on how best to develop appropriate risk policy, managed the production of M.I. for Senior Management.• Managed market and liquidity risk for the bank.• Responsible for completeness and compliance of the Banks regulatory reporting by Treasury finance team.• Developed BSM and ALCO framework, including risk reporting, gap reporting for the balance sheet.• Responsible for Asset and Liability management for the bank including building models to ensure the bank meets its business and regulatory plans. Core member of the banks ALCO.• Manage liquidity and cash balances within the bank, developed hedging strategies of interest rate risk, execute derivative trades to hedge balance sheet, traded GILTS and T Bills to manage the banks regulatory liquidity, invested in CD,s to improve yield on surplus cash. Set up reporting to manage collateral with counterparties for the banks off balance sheet instruments.• Set up, managed, trained and coached a small team based in Manchester on Treasury, activities and risk and reporting to ensure operational consistency between the two sites improving processes as deficiencies were identified. Managed finance team implementing IFRS in the bank in regard to the Interest Rate Swap portfolio.• Developed Treasury policies for the bank, including ALCO, Market risk, liquidity and counterparty policy, hedging policy and daily activity control report. Wrote front office procedures manual to ensure consistency in dealing, input and risk management.• Analysed and identified risks, set up robust controls and reporting to mitigate the risks.

Responsible for establishing and leading treasury function to support the growth plans of Virgin Money.

• Executive management of risk profile, business development and profitability of the Foreign Exchange, Interest Rate and Derivative business of Treasury, monitoring and controlling the utilisation of all limits delegated to me.• Responsible for the liquidity, funding and management of the banks’ balance sheet maintaining risks within overall interest rate gap.• Presented and provided analysis of the Treasury interest rate gap, risk and performance reports to ALCO on a monthly basis.• A core member in a number of Wholesale Banking governance committees including the Wholesale Governance Board and Risk and People sub-committees, the Asset and Liability Committee taking responsibility for economic, market and interest rate analysis presented to the committee. • Led and managed and coached Treasury sales and trading team, set objectives coached staff to ensure objectives were exceeded and any underperformance was addressed.• Responsible for the completion of CSA for Treasury and implementing any recommendations from the report.• Prepared, presented and defended annual financial budgets to Corporate Markets Director and Finance Director. • Approved person under the FSA compliance regime, accountable for all departmental regulatory and internal compliance processes and procedures. • Presented quarterly to Scottish Board on Treasury performance and market issues which impact on the Banks performance• Responsible for the appropriate funding profile of the wholesale banking book of Lloyds TSB Scotland• Responsible for managing and transacting the derivatives book, including Interest Rate Swaps, FRA, s, Caps and Collars, Foreign Exchange swaps and FX options.

• As the senior dealer, I worked closely with Project Finance Executives in providing funding and hedging advice for major projects throughout the world.

Branch teller, Bank Officer