Ricky G. Email and Phone Number

Citigold / Citi Private Client Investment Lending Risk Management (Global Margin Lending-GML) for onshore / offshore (IPB) businesses.- LV assessment and annual collateral deep dive reviews.- Internal risk reporting.- Stress Testing & Presentation - CCAR, ICAAP, IWST, internal QMMFs.- Provided guidance on daily work to junior colleagues.- Typical risk projects.- Complex risk project to shift the FX margin trading portfolio governed by Retail… Show more Citigold / Citi Private Client Investment Lending Risk Management (Global Margin Lending-GML) for onshore / offshore (IPB) businesses.- LV assessment and annual collateral deep dive reviews.- Internal risk reporting.- Stress Testing & Presentation - CCAR, ICAAP, IWST, internal QMMFs.- Provided guidance on daily work to junior colleagues.- Typical risk projects.- Complex risk project to shift the FX margin trading portfolio governed by Retail Credit Risk Policy to comply with the Wholesale Credit Risk / Counterparty Credit Risk framework/policies.- Many other interesting work resulting from consent orders / regulatory asks. Show less

- Managed volatility well during Covid-19 with the craze on medical stocks such as Medtec, Riverstone, etc traded in Singapore Exchange and the USA tech equities run up till the eventual frenzy buying on counters such as GME, AMC in 2021.- Consistently (MoM basis) kept contra losses below SGD300K with bulk of it below 30 days ageing, through prudent limits management, review of concentration, unrealized P&L, contra ageing reports etc, as well as regular interactions with TRs to… Show more - Managed volatility well during Covid-19 with the craze on medical stocks such as Medtec, Riverstone, etc traded in Singapore Exchange and the USA tech equities run up till the eventual frenzy buying on counters such as GME, AMC in 2021.- Consistently (MoM basis) kept contra losses below SGD300K with bulk of it below 30 days ageing, through prudent limits management, review of concentration, unrealized P&L, contra ageing reports etc, as well as regular interactions with TRs to understand more on certain high-risk contra trading clients and followed up regularly for collections using phone calls, email reminders, issuance of formal gentle reminder & demand letters, inclusion of client details into SGX delinquent list, creating installment plans, etc.- Handled a portfolio of TRs and their clients for unpaid equities purchases, contra losses, trading limits and credit applications.- Adjusted buy/sell limits in GL system and online platform iOCBC for clients, TRs and respective dealing desks.- Conducted annual review of accounts with small credit line (retail) to large credit line (HNW, UHNW, counterparties such as trading company operated by ex-hedge fund traders, etc).- Risk project such as building a new aggregator system to collate exposures from various credit products managed/margined by respective systems.- Worked closely with Tech and successfully migrated the data source from a legacy back-office system to a new system for Data Warehouse storage.Achieved corporate grade of AVP4 (Senior AVP) upon joining despite lack of brokerage experience. Show less

Multiple roles from Credit Risk Monitoring to Credit Advisory.Achieved internal promotion to AVP.Zero credit / operational losses during my time, considering the Blumont, Asiasons, LionGold, Ezra, Noble Group incidents.-Implemented fresh credit risk monitoring procedures, controls, EUCs, with buy in and green light obtained from senior management ranging from credit 2LOD, treasury product head, middle office head, PB COO on interim basis for FX margin trading while… Show more Multiple roles from Credit Risk Monitoring to Credit Advisory.Achieved internal promotion to AVP.Zero credit / operational losses during my time, considering the Blumont, Asiasons, LionGold, Ezra, Noble Group incidents.-Implemented fresh credit risk monitoring procedures, controls, EUCs, with buy in and green light obtained from senior management ranging from credit 2LOD, treasury product head, middle office head, PB COO on interim basis for FX margin trading while working on systemic capabilities (MarginMan) to monitor exposures / MTM on real time.-Almost grasped the entire functionality offered by MarginMan (starting from trade bookings of various FX products such as spot, forward, NDF, European vanilla, exotic, binary options, accumulator/decumulator, target redemptions, pivots, strategies such as strangle, straddle,etc), rollover of trades, exercise of option trades -Tokyo cut, NDF cash settlement, etc), currencies static data setup, margining techniques, Initial Margin/ Margin Call/Close Out levels for respective CCYs, various schemes setup for the typical clients vs Direct Access Clients (DAC) to the risk monitoring by the notional, IM, delta margining, setting of email alerts for IM/MC/CO level & limit breaches, configuration of reports with the help of SS&C vendor/tech.-LV assessment.-Lombard / derivative trading line risk monitoring / limit excesses.-Provided guidance on system margin monitoring model, Lombard basics refresher to Private Bankers / ARMs via small group training demonstrating detailed calculations with figures arriving to the dot or a large scale training with 100 over Private Bankers + senior management team in attendance.-Led a small team to streamline / create new processes.-Lombard credit risk monitoring system enhancements.-Credit underwriting and review of credit documentations prepared by credit admin team before releasing to frontline. Show less

ANZ Private Bank:-Margin Calls / Limit excess management for DCM/Lombard/Insurance Premium Financing (IPF)/Fixed Maturity Plan (FMP), Foreign Currency Non-Resident (FCNR) portfolio.-Arrears management for missed loan repayment.-Internal risk reporting.-Credit documentations as a maker and eventual checker role.-Risk system enhancement projects.

-Lombard / derivative trading line risk monitoring (MarginMan) / limit excesses.-LV assessment.-Approver for withdrawal of collateral (including LOU), loan drawdown, release of cash for Private Equity calls.-Risk projects.

- Basel II regulatory projects for the shift from standardized approach to AIRB approach.- Worked on massive amount of retail unsecured loans data using SQL in Enterprise Data Warehouse / Fermat.

ANZ Private Bank:- Margin Calls for Dual Currency Mortgage (DCM) loan portfolio.- Arrears management for missed repayment.- Internal risk reporting.