Ralitsa Milusheva Email & Phone Number

Sofia, Sofia City, Bulgaria

- Identification of the inherent risks and measurement of their impact on the activity, results and capital of the bank;- Management and control over the risks by introducing and applying appropriate internal rules and procedures, which aim to limit the effect of the risks to levels acceptable to the bank according to its inherent risk tolerance;- Periodic review and change of introduced limits for exposures to borrowers, economic branches, credit products, banking institutions and other counterparties, currency positions, investments in portfolios- Limiting the impact of external and internal risk factors by providing independent information, analysis and expert assessment of risks, opinions on risk management proposals and decisions of the competent authorities for their compatibility with the risk tolerance / appetite of the bank;- Maintaining a register of operational events and a register of complaints;- Report performance results directly to the Chief Executive Officer of the Bank.

Dsk Bank Sa

- Responsible for the regular updating of all documents related to Business Continuity Plan at DSK Bank SA and its subsidiaries- Мanage the planning and implementation of all activities related to the maintananace of the Bank's readiness to recover its critical processes- Responsible for development and implementation of the Bank's policy regarding operational risk management- Participate in the elaboration of the ICAAP in terms of operational risk, as well as the associated stress tests- Responsible for the risk management at the Bank related to the activities of an investment intermediary

Dsk Bank Plc

- Providing advice, guidance, support and challenge to ensure the implementation of the Group Operational Risk Management Framework. - Provide practical advice on Basel II Accord requirements with a focus on the 'Use Test' and impact on business activities.- Support the implementation of the operational risk system.- Sustain the Bank readiness in case of unexpected circumstances (Business Continuity Plan).- Use of SAS applications, recording of loss event initial data in the SAS ORM system- Formulation and regular review of scenario analysis and RCSA methodology and coordination of workshops; annual aggregation and reporting scenario analysis and RCSA data calculated based on a uniform methodology- Operation and maintenance of key risk indicator system- Monitoring of loss events reported by other Bank areas- Regular adjustment of the risk management system to changes in the Bank’s external and internal environment as well as to changes in the applicable legislation- Regular reporting to the Board of Directors and the Management Committee on the operational risk status of the Bank- Development of the principles, requirements and processes of risk management methods- Elaboration and maintenance of a general and standard methodology for the identification, analysis and evaluation of risks- Provide support to risk management contact persons with the elaboration of the assessment of significant risks and development of risk control procedures- Preparation of comprehensive reports on significant risks and significant operational events- Updating and continuous maintenance of the Operational Risk Management Manual

Eurobank Efg Bulgaria Ad

- Provide Banking services for individuals in order to purchase of immovable properties- Iidentify strategic opportunities and develop proper solutions for customers in terms of partnership and co-operation- Consulting credit applicants in order to find a suitable financial scheme for them

Unicredit Bulbank

- Offering full variety of products and services for Private clients, optimal solutions for their needs through more sophisticated instruments, high quality of expertise, trustworthiness, confidentially and price competitiveness- Contact all existing clients eligible for those services within the structure of the bank and attract them- Constantly increasing the additional portion of clients.

Master'S Degree, Audit And Risk Management

Master'S Degree, Finance