Ruth Yosef Email & Phone Number

Sweden

Mäster Samuelsgatan 6111 44 Stockholm

Stockholm, Sverige

Consulting Senior Legal Advisor specialized in Compliance, Legal & Governance ∙ Founder and CEO of YCLG Consulting AB who offers a variety of services to both established financial and non-financial companies, but also companies within innovation such as fintech and tech companies ∙ YCLG Consulting AB provides interim solutions, outsourced services, and specific ad-hoc consulting services.We offer qualified assistance in financial law, business law, such as company law, contract law, strategic law, administrative law, the Anti-Money Laundering Act and the Personal Data Act (GDPR).

Stockholm, Sweden

Head of the bank's function for regulatory compliance including personnel responsibility. Reports directly to the CEO and Board of Directors and the Board's work committee for Risk, Rule, Internal Audit and Finance. Also responsible is the convenor and moderator of the work committee's work and its collaboration with the relevant parts of the business. Represents the company in various industry organizations and is the contact person with the authorities. The work entails ultimately responsible for ensuring compliance of the bank (including its consolidated situation) with compliance. I work both strategically and operationally to build on but above all to take the bank's work on regulatory compliance to the next step. This I have done, among other things, by initially making a current analysis, having a close dialogue with the business in general, conducting deep interviews with senior executives in particular and then developing a plan and anchoring with management and the board and implementing change and implementation.∙ Identify, analyze and follow up compliance risks in the business ∙ Global monitoring and effect analysis of how relevant regulations and practices affect the bank ∙ Ensure that the business implements the regulations in and relevant parts ∙ Continuous advice to the business on compliance issues and related issues and to ensure the company's knowledge of news and changes in external regulations and in internal policies and other governing documents ∙ Advise and be support in the work of developing or updating policies, instructions and routines in order to ensure compliance ∙ Conduct training courses, seminars, workshops and information meetings so that the business has good knowledge of relevant regulatory issues on an ongoing basis ∙ Control of knowledge and implementation of internal control documents such as policies, instructions ∙ Implementation of controls and audits in order to ensure compliance.

Stockholm, Sverige & Copenhagen, Denmark

Responsible for the Scandinavian Law Department with offices in Stockholm and Copenhagen and is thus responsible for managing all legal issues and related risk management for the entire Group. The service includes personnel responsibility. Board secretary for both the parent company and most of the wholly owned and certain jointly owned subsidiaries. Represents the company in various industry organizations and is the contact person with the authorities. Carried out a number of strategic changes which, among other things entail a change in the department's working method and approach to the business's issues, built up the internal competence by carrying out more assignments internally and adapting the purchase of external services' relevance to specific areas of excellence and thereby reducing the vulnerability and dependence on external resources. I have also managed to make cost savings without compromising on quality or impairing delivery to the business. I have created a better collaboration climate with the business, increased the delivery rate, worked strategically in close dialogue with the business, identify the needs and take initiatives and work to create more efficient working methods, routines and processes. I am responsible and system owner for a digital project (SharePoint). The purpose of the project is to digitize the physical legal archive and create a searchability function and authority structure in order to streamline and facilitate the collaboration, but also reduce the risk of important documents occurring. The system should also be used as a tool for creating template bank.Responsible for OK-Q8 Bank AB's compliance and reports directly to the bank's board and CEO and is a member of the management team. I am also a contact person for the Swedish Financial Supervisory Authority.

Sveavägen 155

Legal Counsel at the parent company of the OKQ8 AB-group ∙ Head of Compliance at OKQ8-Bank AB.Responsible for issues that arise / is incumbent on the Legal Department to answer for, such as ensuring that the business is conducted in accordance with current legislation and quality assurance of the legal documentation of the business, limiting legal risks, supporting the activities with all existing types of issues in many jurisdictions including company law and contract law (contract writing/review and negotiation). Legal advice to the Group but also to some extent to partners. Responsible for the bank's Compliance and handling of other bank law issues including providing training and seminars for employees as well as regulatory overseas surveillance.Member of the bank's management team and report responsibility to the bank's board and CEO.

Stockholm, Sweden

Advisor at the bank's own borrowing, issues of bonds, listing on regulated marketplaces and investment of securities intended for liquidity supply. Management of license issues and advisors in prospectus preparation and updating.Management and trainers in matters of insider, market abuse, and self-employed employees.Principal responsible for national and international regulatory issues and its implementation and development of compliance framework. Contact person to, among others, Finansinspektionen and stock exchanges/marketplaces.Provision of training and seminars for employees and management, Group Treasury, a representative in both internal and external cooperation groups and industry associations.Participate in establishing and reviewing agreements. Legal advice to the business.Work on issues concerning the bank's borrowing activities and other Treasury-related capital market and association law. Member of the Group's Compliance Council consisting of Compliance managers for various parts of the business and representatives of group risk owners.Repurchase of own shares - participated in the bank's large repurchase program and worked with the launch of the incentive program Eken.

Stockholm, Sweden

Creation of agreements and regulations within fund operations, the establishment of business-law agreements with suppliers, distributors, financial agreements concerning fund management and agreements on acquisitions.Regulatory oversight and complaints handling. Review of various asset management related businesses. Constitution of various texts, such as referral opinions and articles. Management of business-related issues throughout the Group as well as nationally and internationally. Representative in industry association such as the Fund Management Association. State management and updating of fund prospectus. Handling of hidden and short questions. Education in UCITS and AiFM directives.

Stockholm, Sweden

Listing of new companies (IPOs) and financial instruments and I had customer responsibility for a number of issuers and were especially responsible for the listing of corporate bonds. Work on ongoing information monitoring and ensuring compliance with the listed companies. Advice and risk management on various issues. Ad hoc issues management. Work in various projects with responsibility for eg. review and change work on the exchange's regulations for all interest-bearing financial instruments that resulted in a new updated regulatory framework. Handling of issues regarding repurchases, flagging, the companies 'handling with inside information. Review of the listed companies' quarterly reports and other relevant information. Management of press release at corporate actions.

Stockholm

Prospectus handling, both prior to offering to the public and admission to trading. Supervision of stock exchanges and clearing houses. I was responsible for supervision/finance inspector for VPC AB (now Euroclear) and NGM AB. Constitutional work of regulations and writing of opinions to disciplinary committees. Evaluation of stock exchanges and clearing institutions according to international standards.

Stockholm/Uddevalla/Örebro/Ängelholm

Tax administrators: Work on tax assessment, auditors of income tax returns and worked on a project with permission for new companies/new start-up issues ∙ Legal counsel: Legal investigations, the constitution of decisions and constitution of opinions appeals, letters of reply to all bodies, from district courts to the Supreme Court and JO ∙ Tax auditor - work with tax audit but also with information disclosure.

Business Administration, Accounting And Finance

Master Of Laws (Ll.M.), Law

Activities and Societies: Medlem och aktiv för Internationella studenter, Juristföreningen.