Kate Sinclair Email & Phone Number

Surbiton, Gb

London Area, United Kingdom

London, United Kingdom

• Development of the wholesale issuance funding plan, considering execution strategy, costs and pricing expectations• Engaging and forming relationships with investors, rating agencies, banks and legal counsel• Supporting programme issuances including planning, monitoring and researching market insight, legal documentation review and preparing investor material• Attending investor meetings and conferences as required• Management of the bank’s credit rating• Acting as back up support for the operational team, signing off daily/monthly reporting• Running compliance and committee meetings• Monitoring and updating Treasury on regulatory issues in the secured funding area• Preparing papers for ALCo and other committees as required

London, United Kingdom

• Providing direct support to the Chief Financial Officer, across a wide-ranging brief. Act as contact for the CFO office and provide support in focussing time on high value-add activity• Undertaking ad-hoc pieces of analytical and strategic work in support of CFO business objectives• Reviewing complex papers, preparing, analysing and where appropriate investigating issues and then recommending appropriate solutions/actions to the Chief Financial Officer with particular focus on IPO until June 2014• Identifying and leveraging opportunities to share best practice and build expertise across the business• Assisting the Chief Financial Officer to prepare for exec meetings by co-ordinating and researching agenda items and ensuring that all relevant packs are prepared and circulated, and actions are progressed• Producing reports, high quality presentations and business cases for senior internal and external stakeholders including the FSA and EC• Preparing key management information by collating, analysing and disseminating data, statistics and information from a variety of sources• Acting on behalf and representing the Chief Financial Officer including sitting in on relevant committees/project teams & contributing to the decision making process as directed

London, United Kingdom

• Detailed analysis of the Global RWA results and presentation of findings to management functions focusing on Banking Products, Equity Instruments and Securities Financing Transactions• Responsibility for presenting results for total IB RWAs daily during the monthend process• Working with Product Control and Business to advise on Capital rules, RWA usage and possible mitigants• Legal Entity Controller for six companies for RWA consolidation, calculation and adjustments• Reviewing counterparties, trade portfolios, trade structures and individual trades to ensure that the correct and efficient capital is being allocated using IB/CC/WM reporting systems, Excel and MS Access based tools• Interacting and liaising with Regional Controllers, Product Controllers, Group Treasury, Group Control & Accounting and Group Risk functions to resolve issues and understand the drivers generating RWAs and ensure that an appropriate control framework is implemented to support the process• Representative in specialist product area for policy changes/decisions within Group Accounting/Capital Policy• Working with change function to implement Basel 3 including understanding changes in the Capital framework , advising on solutions, testing and sign off• Supporting the implementation of the Basel 3 Target Operating & Functional Model raising any additional operational risk resulting from the Basel 3 implementation for assessment and potential resolution and resolving the issues, close caveats and audit points reducing the error rate and limiting the risk for misstatements• Providing support for ad-hoc requests from IB management, Treasury and Group functions on the application of the Basel 2/2.5/3 framework• Line management for 2 employees

London, United Kingdom

• Work with business to understand retail/corporate products, systems and underwriting to include within the legal documentation for each securitisation• Forecast assets with new business and redemption assumptions to understand availability of assets• Explain trends and performance to Investors and Rating Agencies• Supervise and direct the design, build and testing of securitisation applications to import data extracts, perform data quality checks, filter data per the Representations and Warranties criteria and export to Rating Agency specified templates• Develop a good understanding of the legal documentation associated with securitisations, including ongoing compliance and adherence to the trigger tests inherent within each transaction• Create and analyse required securitisation pools• Liaise with Front Office Analytics to answer data questions , provide additional information required by Rating Agencies and the FSA, represent RBS at Bank of England committees• Analyse available asset pools, Interest Payment Date cash flow modelling and ad-hoc analysis• Provide specific post-close support to ongoing agency report changes and top up transactions where relevant• Explore and research different ways to structure transactions e.g. covered bonds, master trusts

London, United Kingdom

• Reconcile Daily Cash for all internal securitisations and advise cash movement to Group Treasury Finance• Prepare quarterly Investor and Agency Reports across 5 RMBS transactions involving analytically reviewing the contents to ensure alignment with asset book data and trends, write queries to extract data from the underlying securitisation databases where necessary• Report monthly credit cards master trust• Track and analyse monthly internal and competitor transactions• Develop and maintain relationships with range of business stakeholders to understand and develop trends• Act as a point of contact for external investor queries arising on transactions and key interface with GBM Operations• Calculate necessary inputs to the asset hedging mechanisms supporting each transaction on an ongoing basis and ensure these are communicated to GBM Operations/Group Treasury Interest Rate Risk Management

London, United Kingdom

• Support the provision of timely, reliable and informative financial support to Savings Marketing Team and Finance Management• Research and analyse Savings/Loans data to provide reports and recommendations to business issues• Act as primary contact for Savings Marketing team• Develop and deliver more efficient solutions to monthly reporting• Prepare budgets, forecasts and modelling of products• Reconcile, review and provide commentary for the savings balance sheet• Set agendas, write minutes for the monthly balance sheet reviews

London, United Kingdom

• Construct bad debt provision model – to analyse and recommend credit and economic parameters• Operate bad debt provision model – change economic/credit scenarios to test sensitivities and calculate liability• Document systems and procedures for external and internal audit• Set agendas for regular meetings, present findings and make recommendations to Group Financial Director and Group Risk Director.• Analyse trends for KPIs e.g. arrears, repossessions• Produce ad hoc reports , i.e. customer/market information and performance• Responsible as Financial Analyst on several projects i.e. Pricing for risk, Originate to sell and Restructure of the data-warehouse

London, United Kingdom

• Post accruals, prepayments and journals to nominal ledger and preparation of Monthly Management and Annual Financial Accounts (For Statutory Audit) from Trial Balance• Check and review divisional accounts for variances, errors and omissions and report to group function for consolidation in financial statements• Prepare monthly reports for Bank of England, funders, investors i.e. Barclays Bank, Bear Stearns, Morgan Stanley, Royal Bank of Scotland• Run models to check performance of mortgages including Fitch Model and Duff & Phelps Model• Hedge risk on mortgage products through derivatives trading• Train Accounts Assistant