Nikos Karatzas, Msc Email & Phone Number

Agia Paraskevi, Gr

Reporting directly, to the CEO and the Bank’s Audit Committee.Main responsibilities:• Compliance Supervisor and AML/CFT coordinator for Optima Bank subsidiaries.• Developing, implementing and monitoring of the “AML/CFT” framework.• MLRO, responsible for SAR's• Assessing the adequacy of the measures and procedures put in place concerning Compliance Risk.• Advising management and administration bodies concerning their regulatory obligations.• Managing and handling all the seizure and administrative actions, by Greek authorities, for Bank's customers, as well as the data providing to Greek authorities for investigated persons and entities. Significantly contributed to the establishment and implementation of the framework regarding MiFID Ι&ΙΙ, PSD, PAD, GDPR, FATCA, CRS, MCD, Consumer Protection and other regulatory obligations.

Athens, Greece

As a Senior Compliance Officer;-Supervised a team of 2 Compliance Officers.-Provided training, on the job or via seminars, to the bank's personnel on AML/CFT and MiFID compliance issues.-Developed and implemented the “AML/CFT” framework.-Significantly contributed to the MiFID implementation.

Athens, Greece

As a Senior Internal Auditor:-Supervised a team of 6 auditors on a rolling basis.-Performed regular or special audits and fraud investigations. -Improved /proposed changes in the audit program and bank’s procedures and changes, that strengthen internal controls. -Developed the less experienced auditors to conduct audits up to the highest professional level.

Athens, Greece

Head of Support Services in one of the biggest branches, in terms of client base, assets and daily transactions volume:-Supervised a team of 10 employees-Ensured that all daily transactions were properly recorded by checking all internal reports, while, any issue occurred, was investigated and resolved on a timely and standard manner.

In the Distance Banking Services department,-Participated in the creation and implementation of the new innovative Distance Banking Services “Loan by Phone”, “Cyphone” and "Microbank".-Operated the above mentioned Services in their initial launch.-Provided assistance and training to the bank's personnel.

-Participated in a strategic project to identify issues and propose solutions to resolve the problems occurred during the transition from the old to the new customer-oriented banking system. -Auditing and correcting the data in the new banking system.-Providing training to Bank’s personnel on new procedures for customer data input in the new banking system.

Athens, Greece.

Professor of Mathematics at the private Secondary School “ATHINAIKI PEDIA” and at the “FASMA” tuition center.

Second Lieutenant

Bsc, Mathematics

Applied Mathematics, Statistics & Βusiness Development. Four year University.

Master Of Science - Msc, Quality Management And Technology

Two year postgraduate program (2015 –2017 and postgraduate thesis in 2018}