9734

Operational Risk Officer at Marfin Bank

  • România, București
  • România, București
  • Romania, București
  • Romania, București
Deblocheaza date contact
Traduceri ale CV-ului
30%
  • Ultima actualizare: 30.11.2011
  • Numar referinta: 9734

Aptitudini

Permis de conducere
  • B

Limbi straine

Engleza
Avansat
Franceza
Incepator
Romana
Nativ
80%
  • Last update: 30.11.2011
  • Reference number: 9734

Experience

  • March 2011 - Present

    Operational Risk Officer, Marfin Bank

    • București, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    •	Regularly adaptation of changes in the environment and risks into the plan of controls, taking account of the findings and recommendations of internal or external audits, incidents and dysfunctions and results of controls;
    •	Set up of key controls and indicators in areas of major risk;
    •	Reporting monthly to the Group and Management (Risk Administration Committee).
    •	Holds responsibility for the identification and assessment of operational risks events (cartography of processes and risk mapping); 
    •	Sets up and support the operational risk losses data collection, consolidation and reporting;
    •	Implements and maintains of a reliable operational risk management framework and of the required standards and methodologies in order to facilitate the identification, assessment, monitoring, control and reporting of operational risk;
    •	Proposes and ensures development upon approval of the appropriate standards and methodologies in order to facilitate the identification, and assessment of the operational risk;
    •	Promotes risk culture, awareness, understanding regarding operational risk management;
    •	Provides information and cooperates with specialized offices when necessary (legal, compliance, HR, etc.);
    •	Ensures that bank’s operational risk management framework has adopted all the relevant regulatory requirements;
    •	Actively participates and liaises with business managers and with their offices (legal, compliance) the potential operational risk inherent in the introduction of new products and activities.
    •	Organizing awareness training sessions for all the bank personnel regarding the implementation of operational risk within the bank.
    

  • April 2010 - March 2011

    Operational Risk Officer, Volksbank

    • București, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    •	Regularly adaptation of changes in the environment and risks into the plan of controls, taking account of the findings and recommendations of internal or external audits, incidents and dysfunctions and results of controls;
    •	Set up of key controls and indicators in areas of major risk;
    •	Reporting monthly to the Group and Management (Risk Administration Committee).
    •	Holds responsibility for the identification and assessment of operational risks events (cartography of processes and risk mapping); 
    •	Sets up and support the operational risk losses data collection, consolidation and reporting;
    •	Implements and maintains of a reliable operational risk management framework and of the required standards and methodologies in order to facilitate the identification, assessment, monitoring, control and reporting of operational risk;
    •	Proposes and ensures development upon approval of the appropriate standards and methodologies in order to facilitate the identification, and assessment of the operational risk;
    •	Promotes risk culture, awareness, understanding regarding operational risk management;
    •	Provides information and cooperates with specialized offices when necessary (legal, compliance, HR, etc.);
    •	Ensures that bank’s operational risk management framework has adopted all the relevant regulatory requirements;
    •	Actively participates and liaises with business managers and with their offices (legal, compliance) the potential operational risk inherent in the introduction of new products and activities.
    •	Organizing awareness training sessions for all the bank personnel regarding the implementation of operational risk within the bank.
    

  • November 2009 - April 2010

    Risk Control Specialist, Emporiki Bank

    • București, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    •	Identifies the control processes in all activities of the bank;
    •	Ensures second line - second level controls of all the activities of the bank;
    •	Controlling of data quality, outsourcing, network controls and accounting data reconciliation;
    •	Inspections in the network in order to perform on-site controls;
    •	Regularly adaptation of changes in the environment and risks into the plan of controls, taking account of the findings and recommendations of internal or external audits, incidents and dysfunctions and results of controls;
    •	Set up of key controls and indicators in areas of major risk;
    •	Follow up of yearly action plan of permanent controls;
    •	Reporting quarterly to the Group and Management (Internal Control Committee)
    •	Holds responsibility for the identification and assessment of operational risks events (cartography of processes and risk mapping); 
    •	Sets up and support the operational risk losses data collection, consolidation and reporting;
    •	Implements and maintains of a reliable operational risk management framework and of the required standards and methodologies in order to facilitate the identification, assessment, monitoring, control and reporting of operational risk;
    •	Proposes and ensures development upon approval of the appropriate standards and methodologies in order to facilitate the identification, and assessment of the operational risk;
    •	Promotes risk culture, awareness, understanding regarding operational risk management;
    •	Provides information and cooperates with specialized offices when necessary (legal, compliance, HR, etc.);
    •	Ensures that bank’s operational risk management framework has adopted all the relevant regulatory requirements;
    •	Actively participates and liaises with business managers and with their offices (legal, compliance) the potential operational risk inherent in the introduction of new products and activities.
    •	Reporting quarterly to the Group and Management (Risk Administration Committee).

  • December 2008 - November 2009

    Corporate Loan Administrator, Emporiki Bank

    • București, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    •	Receive from the Corporate Business Department and from the branches (whenever the case) the original loan files: credit approval, loans and collateral agreements, insurance policy, evaluation reports, legal opinions, promissory notes (if the case) and any other relevant documents, after which register and maintain the information in the bank’s core banking system to ensure the accuracy of all the generated reports; also register the collaterals to AEGRM.
    •	Receive from the Relationship Manager requests for disbursment/ reimbursment as well as all the justificative documents ( invoices, contracts, promissory notes etc);
    •	Check and verify the received documentation; prepare the Risk – Securities Analysis Position for each disbursment based on the received documentation and gather all the necessary signatures.
    •	Check that all the terms and conditions from the credit approval match those in the loan contracts.
    •	Follow the cash in of fees, interest and principal at maturity.
    •	Open accounts for the clients by operating on the branch codes where the corporate clients are located.
    •	Set in the bank system credit accounts, collateral accounts, the limits for the loans and follow their updates.
    •	Contribute to answers for the audit problems notified on their reports.
    •	Fill in the loan agreements and collateral agreements based on the information provided by the Legal and Risk.
    •	Ensure the process of granting the loans in the bank's core banking system / register of the collateral in the system according with the contractual clauses.
    •	Drafting memos for loan executions.
    •	Reimburse the loans at the clients’ request, follow up the installments schedule and report the overdue amounts.
    •	Register / maintain the information in the core banking system so that all the reports generated reflect the reality.
    •	Register/maintain the information in the internal bank reporting applications.
    •	Monitor the fulfillment of the contractual clauses for which he/she is responsible, acting proactive and permanently communicating with the persons responsible from the Branch or Business Center and report to the Loan Administration Department the stage of fulfillment of the contractual clauses.
    •	Permanently communicate with the relationship officers and/or superiors informing them about: incidents that may appear in the process of follow-up of the loan facilities, deadlines to be respected by the customers and by relationship officers, documents to be presented by the customers etc. 
    •	Verify the argumentative documents of the client in order to comply with the loans destination.
    •	Monitor the reporting activity by applying the NBR regulations and the internal regulations and report immediately any discrepancy to the Loan Administration Department.
    •	Identify and report all incidents that may appear during the process of follow-up of loan facilities; in the same respect, to estimate (if possible) the potential losses.
    •	Check the customers in the CRB, CIP.
    •	Make monthly reports of the liquidity of the credit portfolio.
    
    •	Handle daily disbursements for credit lines, ensure full compliance of all administered loans with the requirements of the National Bank of Romania and cooperate with other departments for special transactions.
    

  • June 2008 - December 2008

    Loans Officer, Emporiki Bank

    • București, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    •	Fill in the loan agreements and collateral agreements based on the information provided by the Legal and Risk.
    •	Ensure the process of granting the loans in the bank's core banking system / register of the collateral in the system according with the contractual clauses.
    •	Drafting memos for loan executions.
    •	Reimburse the loans at the clients’ request, follow up the installments schedule and report the overdue amounts.
    •	Register / maintain the information in the core banking system so that all the reports generated reflect the reality.
    •	Register/maintain the information in the internal bank reporting applications.
    •	Monitor the fulfillment of the contractual clauses for which he/she is responsible, acting proactive and permanently communicating with the persons responsible from the Branch or Business Center and report to the Loan Administration Department the stage of fulfillment of the contractual clauses.
    •	Permanently communicate with the relationship officers and/or superiors informing them about: incidents that may appear in the process of follow-up of the loan facilities, deadlines to be respected by the customers and by relationship officers, documents to be presented by the customers etc. 
    •	Verify the argumentative documents of the client in order to comply with the loans destination.
    •	Monitor the reporting activity by applying the NBR regulations and the internal regulations and report immediately any discrepancy to the Loan Administration Department.
    •	Identify and report to the Loan Administration Department all incidents that may appear during the process of follow-up of loan facilities; in the same respect, to estimate (if possible) the potential losses.
    •	Check the customers in the CRB, CIP.
    •	Make monthly reports of the liquidity of the credit portfolio 
    •	Make other reports requested by the Loan Administration Department.
    •	Financial analysis.
    
    •	Handle daily disbursements for credit lines, ensure full compliance of all administered loans with the requirements of the National Bank of Romania and cooperate with other departments for special transactions.
    

  • September 2007 - June 2008

    Account Officer, Emporiki Bank

    • București, Romania
    • Full time
    • Work domain - Finance: Banks / Financial Institutions

    •	Answer customers' questions and explain available services and the facilities offered by the bank.
    •	Compile information about new accounts, enter account information into the core banking system and file related forms or other documents. 
    •	Refer customers to appropriate bank personnel to meet their financial needs. 
    •	Interview customers to obtain information needed for opening current accounts, card accounts and deposit accounts. 
    •	Inform customers of procedures for applying for services offered by the bank.
    •	Process payment orders in RON and foreign currency for individuals and companies; check the documents necessary for payments order, taking into consideration the type of payment - counseling and assisting customers in their transactions in compliance with Romanian and internal regulations.
    •	Process foreign currency sell and buy orders, inclusive cross currency order for individuals and companies.
    •	Process forward transactions for individuals.
    •	Process the payments (outgoing and incoming) and any transactions that may occur in a business activity of the bank (cards, accounts opening, deposits, promissory notes, checks).
    •	Receive and check the applications for account opening, including the necessary documents.
    •	Process all the transactions on Internet Banking.
    •	Checks remittance.
    

  • April 2004 - September 2007

    Manager Assistant, “EUROEXPERT BIZ SRL” Private school of foreign languages

    • București, Romania
    • Full time
    • Work domain - Marketing: Marketing

    •	Marketing developer, creating special products to all the possible customers, establish the demands of our products to be at the same line as the customers needs;
    
    •	Tele-marketing: interact with people answering to their needs and advice for the best options.
    
    •	Presentation of the products to all the companies interested to work with us.
    
    •	Investigate all the fields the company can have success.
    
    •	Send, answer and settle meeting letters.

Education

  • 2003 - 2007

    Bachelor's degree, ACADEMY OF ECONOMIC STUDIES

    • București, Romania
  • 1999 - 2003

    Highschool, Grigore Moisil

    • București, Romania

Skills

Driving license
  • B

Foreign languages

English
Advanced
French
Beginner
Romanian
Native