- Built the risk management framework (strategy, procedures and risk-related software requirements/functionalities) & developed the risk management reporting framework and tools: reports, list of addressed risks, data aggregation, action plan (follow up plan) for high risks- Created/ developed the counterparty risk management processes & tools- Created & developed & managed guarantee (L/Gs, SLOCs and assimilated) assessment process, rules & roles, and business requirements for an internally developed software- Created & developed the compliance with international sanctions (restrictive measures) processes & tools- Provided risk assessments (e.g. market, geopolitical, counterparty, supply chain) for strategic projects- Provided risk management training and assistance to, and worked with, departmental risk managers and business process owners for implementation of the Enterprise Risk Management/ control framework and for the departmental risk and control self-assessments- Provided the management with actionable information (quarterly reports, ad-hoc analyses) on internal and external risks and identified control gaps

- Coordinated implementation of GDPR (General Data Protection Regulation)- Created & implemented data protection procedures & processes

- Permanent review of risk and controls in internal regulations, processes and products- Ensuring an adequate Loss Data Collection process- Coordination of the Risk and Control Self-Assessment process- Supporting business lines to control their areas of responsibility- Developed the outsourced activities management framework- Developed the operational risk stress test- Initiated the development of the Internal Control System

- Created/established the risk control function/ entity, framework, processes and informational flows, aligned with GL 44 (EBA’s Guidelines on Internal Governance)- Ensured (i) key risks are identified and properly managed across the bank, (ii) risk & governance controls and principles are enforced, (iii) a clear and documented decision making process is functional, (iv) there is a clear allocation of responsibility and authority, (v) unit managers have proper tools and expertise for adequate control of their area of responsibility, and (vi) a comprehensive view on all relevant risks is submitted to relevant personnel and the management- Identified process key risk/ control/ business issues by participating in critical business projects and reviewing key project deliverables, assessing process controls’ adequacy and enforcement, and helped/ recommended formulate corrective actions & risk controls-=

- Improved/ enhanced the operational risk management framework, tools and controls- Identified process key risk/ control/ business issues by participating in critical business projects and reviewing key project deliverables, assessing process controls’ adequacy and enforcement, and helped/ recommended formulate corrective actions & risk controls

- Created/ established, implemented & developed a Basel II compliant risk management function/ entity, processes, responsibilities, operational and informational flows- Defined, implemented and monitored comprehensive risk assessment tools, metrics, Key Risk Indicators (KRIs), stress tests and scenarios- Created the operational risk management Group benchmark (processes, expertise and software) and helped its replication within Group subsidiaries- Achieved cost savings (100-500 thou EUR) by creating the risk management, coordinating the implementation of the Basel II Accord and developing risk tools (incl. Loss Data Collection software) without or with limited external support

- Defined and implemented the risk-based audit framework- Reviewed & assessed risks and controls within new operations, processes and products, recommended adequate controls implementation and assisted in mitigating risks - Improved the audit procedures and work programs and built the Audit Manual

- Created and developed the leasing function, processes, controls & informational flows- Set up funding structures, negotiated bank facilities and managed match funding (ALM)- Set up credit scoring parameters & procedures and managed the Credit Risk- Approved/rejected leasing applications and structured financing and collaterals- Provided leasing training and support to a 100+ sales force- Maintained a <2% Loss Rate and a +15% IRR during a 10-times increase of lease revenue

- Actively involved in BRD’s privatization with Societe Generale (loan portfolio review, Feasibility Study and Valuation Report)- Produced Lending & Trade Finance bank operations and training manuals- Delivered loan portfolio reviews, risk-based bank audits and risk management reviews