Raluca Efford is a Chief Operating Officer at Vemi Money. They possess expertise in digital marketing, digital media, media strategy, media planning, mobile marketing and 12 more skills. Colleagues describe them as "Raluca is adept at bringing together the strategic, commercial and cross functional agenda to drive agreement on priorities across the organisation. She is versatile, happy operating with fuzzy boundaries and has emotional intelligence to handle complex situations.  A huge thank you for your support when we worked together at Direct Line Group.", "I have had the pleasure of mentoring Raluca for a couple of years recently and have been very impressed with her work ethic, relationship skills, intellect and attitude. She has balanced work, study and family/home demands, achieving a change of direction in her career, a distinction in her MBA whilst also expanding the family. She has a lovely balance of strategy/concept and practical application/execution and, whilst Raluca has a strong background in marketing and data, project management and innovation, I’m confident she could turn her hand to many disciplines - she has high learning agility!", and "Raluca is a rising star. She is sharp, determined and a highly versatile leader. She transformed our digital marketing capabilities establishing DLG as a leader in this regard. More recently, she has been integral to DLG’s agile transformation and under her leadership, the OKRs and QBR programmes have made a real difference to how DLG operates. She is quick to spot opportunities and turn them into advantage, and comfortable navigating complex internal environments to bring stakeholders on board and make things happen. A critical thinker, she brings new perspectives and solutions to established issues and Raluca is not afraid to challenge the status quo. It has been a real pleasure to watch Raluca grow into a strategic leader"