Santander Consumer Bank AS is part of Banco Santander, one of the largest financial groups in the world with more than 125 mill customers and over 190.000 employees. I currently work as an internal financial & credit risk auditor for the Nordic internal audit team in Santander Consumer Bank AS, responsible for auditing Norway, Sweden, Denmark & Finland providing independent assurance on quality and effectiveness for different aspects of the business. Main tasks and responsibilities consists of:-Audit tests in order to evaluate organisational compliance with relevant regulations and standards, and that the business has processes and controls to identify and mitigate risks.-Participate in financial and credit risk audits across business units within the organisation covering the management of subjects such as: credit risk, structural risk, financial information and capital.-Preparation of conclusions, reporting to managers, regulators and HQ as well as other areas and units.-Issue recommendations to the audited areas/units on improvements that are required, including the follow-up of action plans and recommendations to support implementation within agreed deadlines.-Maintain high quality standards, in conformance with the International Standards for the Professional Practice of Internal Auditing of the Institute of Internal Auditors and following the Santander Corporate Methodology.Experience with auditing:-SOX-Basel-Financial audits-Volcker-Unsecured & secured lending-ICAAP-ILAAP-FINREP-Model Risk Management-Cost Management -Credit Risk-Operational RiskIncluding a genuine interest and understanding (through various trainings/courses performed) of concepts such as:-AML-GDPR-Strategic commercial planning-BCM-Fraud

Working for one of the biggest FMCG companies and reporting to the commercial manager my main responsibility was to:- Develop customer and brand reports to drive commercial decisions- Build business cases for short and long term- Support pack price promotion initiatives to drive topline growth- Identify revenue management opportunities in the Nordic market- AC Nielsen analysis to track market share performance of PepsiCo brands

More than four years working part-time as a primary school teacher for children in all age groups teaching all applicable subjects. Main tasks consisted of:-Checking/correcting documents including tests, homework and other daily plans.-Managing larger groups of children throughout the day.-Planning and facilitating events, activities and classes.-Adapt teaching content to target audience to ensure understanding on all aspects of the topic.-Team building, problem solving and managing student conduct. -Record-keeping, presenting subject material and assessing student progress.-Meeting professional obligations.