Steven Zunic Email & Phone Number

Greater New York City Area

I serve as a Single point of contact for regulatory strategy issues; Coordinate activities across sectors and regions. I provide subject matter expertise on regulatory topics and work on teams to provide solutions for emerging issues and opportunities. Activities include publish whitepapers and articles on emerging regulatory issues and trends and develop frameworks, tools and credentials to engage clients.

•Financial exec with broad experience in all aspects of banking and bank supervision; enterprise risk management, auditing and financial management. Direct experience with treasury & trading capital markets, financial consulting and risk management. Interested in developing risk focused strategies at Central Banks as well as banks desiring to implement operational risk management techniques into their credit and market risk management platforms.

Doha, Qatar

Department of On-Site Bank Supervision; responsible for a portfolio of large international banks.

Podgorica, Montenegro

Provide consulting services for numerous clients including the World Bank Group, specifically I am designing and implementing an integrated risk management program for their Bank Supervisors. I provided on-site consultative advice to the Governor of the Central Bank of Montenegro (CBCG) as well as the Deputy General Director for Bank Supervision. Other advisory assignments include a USAID assignment with BearingPoint in Kabul, Afghanistan. The assignments included recommendations that required a firm understanding of pertinent aspects to develop a secondary market in local government securities, increase interbank transactions in foreign exchange, and specified the inclusion of controls to the standards set by the Sarbanes-Oxley Act. My tasks at the CBA Market Operations division included liaising with senior bank officials on a day-to-day basis; provide technical advice and participating in the formation of a safe and sound transparent secondary market. Major goals included developing local managers in trading techniques, middle office re-pricing and back office reconcilement, expanding the role of an independent risk management function, reducing the possibility for corruption through segregation of duties and automation to reduce manual processes. Additional project goals included increasing profitability of the investment portfolio and foreign exchange reserves and implementing recommendations on issues highlighted by external auditors representing the World Bank. I am an experienced bank supervisor specializing in matters pertaining to management, technology and operational risk, and their integration into a comprehensive risk management framework.

Responsible for the evaluation of directors' and management's competence to measure, monitor and manage risks at state-chartered banks. Analyzed and performed due diligence reviews for applications that required financial engineered structures, including the use of derivative products and offshore conduits, to resolve a particular balance sheet constraint. Reviewed and ascertained that appropriate credit and market risk reports are prepared for to the board of directors of the bank. Ensured accuracy of the periodic reports required by the State supervisory authorities. Determined the adequacy of methodology employed by senior management to monitor market risks. Conducted presentations to the board of directors of the banks, which included explanations of regulatory supervisory requirements regarding corporate governance, credit granting, market related financial risk management and internal audit. Detailed the required measures to correct deficiencies found during the examination process.

designated as a financial expert in bank supervision of capital markets, compliance, operational and legal risks. Responsible for the onsite evaluation of risk management activities for two multinational financial institutions. Responsibilities included the review, analysis and ratings of business lines, internal risk management process. Participated in numerous one-off assignments that included an onsite review at various domestic and overseas locations to ascertain the adequacy of the global risk management process. My assignments included the post mortem examination of system wide organizations as well as those located in the FRB Richmond district where fraud and inadequate internal controls required supervisory action.

Evaluated and regulated large multi-national finacial institutions.

Responsible for evaluating at onsite examinations the business activities of overseas subsidiaries of two multinational banks, and to analyze the lending, investment, and capital market activities of two Edge Act corporations that were located in the FRB Philadelphia district. I possess extensive experience in the on-site examination process which includes a qualitative identification and understanding of the risks faced by the entity being examined. Areas of focus at an onsite examination include: reviewing the adequacy of risk management, governance and internal controls processes; recording departures from accepted banking practices; analyzing and appraising loans and investments; reviewing operational procedures with an emphasis on foreign exchange trading, interest rate swaps, options and derivative products; analyzing liquidity, sensitivity to interest rate risk and capital adequacy; noting and reporting irregularities and violations of federal and state banking laws regulations and rulings. After three years of on the job experience and a promotion to examiner grade, I lead junior examiners in the appraisal of risks in the lending area and in treasury and trading activities and in the review of corporate governance. Discussed with FRB Philadelphia senior management, the results of the examination, and the bank's rating. Subsequently, submitted a report of examination and discussed the findings and recommendations with the executive officers and/or board of directors of the bank.

Upon graduation from college, I was accepted into the executive trainee Foreign Exchange Program of Bank of America Intl, New York. Subsequent promotions led to the position of Dutch Guilder trader in 1985. In 1986, joined Texas Commerce Bank, Houston, and assumed increasing trading responsibilities leading to promotion to AVP. I was responsible for managing the exotic currency trading desk among which included the responsibility of managing the foreign currency cash positions taken by all Texas branches of the bank.

Managed and traded spot and forward foreign exchange in the interbank market.

Bs, International Management

Bachelor Of Science, International Management

Over the last 17 years, I have participated as an instructor at bank supervision seminars and have attended a large number of seminars.

Bs, International Management

Bs, International Business