Eliza CORAS, PhD.
Head Of Compliance at Idea::Bank Romania- Claim this Profile
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English Full professional proficiency
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French Limited working proficiency
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Romanian Native or bilingual proficiency
Topline Score
Bio
Credentials
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Cambridge Certificate for Advanced English – Grade A
Cambridge English Language AssessmentSep, 2003- Oct, 2024
Experience
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Idea::Bank Romania
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Romania
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Banking
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100 - 200 Employee
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Head Of Compliance
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Feb 2021 - Present
Development of a proper risk culture, which provides the appropriate setting to assess the money laundering and terrorist financing (ML/FT) risk associated with a business relationship or occasional transaction with our clients. Promoting integrity and building a strong compliance culture throughout the bank, through coordination of: bank-wide ongoing training in KYC/AML/CFT area, involvement in new products and services approval flows, compliance risk-based assessments, control actions performed in accordance to the Compliance Program, response to changes in regulatory requirements, conflict of interest management. Show less
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Senior Financial Analyst
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Apr 2019 - Jan 2021
Data ModelingAs part of a data science team, I leverage on my analytical skills by developing best practices for solving risk problems, through applying mathematics and statistics models. By implementing logical data models, we aim to build efficient strategies to mitigate risks related to bank’s portfolios and optimize its processes.Investor relations / Financial InstitutionsI support the bank’s communication with financial institutions and external partners, by adding strength to the investor relations role, in the purpose of building a framework to explore strategic options to support the bank’s projected growth.Strategic analyses. Through structured analyses over the most recent developments in the banking system, capital market and overall economic landscape, I prepare estimations and forecasts on impact of market conditions over the bank’s balance sheet, in the scope of optimizing profitability and risk profile of the bank. I benchmark the bank’s results against its peers and banking system, and assess the drivers and challenges triggered by the bank’s organic growth, going forward. Show less
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EBRD
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United Kingdom
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Banking
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700 & Above Employee
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Associate Banker - Financial Institutions
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Jan 2018 - Jan 2019
I worked as a project team member on transactions involving the financial sector in Romania, contributing to all aspects of project structuring and execution I prepared internal project documentation, including approval project documents, financial analyses of the partner financial institutions, draft term sheets, presentations, market analyses I was responsible for the implementation and monitoring of all projects to which I am assigned, including compliance with project agreements and Bank procedures related to disbursement, monitoring of progress of the project implementation and financial performance of the client; I assessed evolving risk factors and monitoring and assessing covenant compliance Permanently connected to the latest financial market developments and changes of the of the applicable regulations Show less
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Idea::Bank Romania
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Romania
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Banking
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100 - 200 Employee
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Credit Risk Manager
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Dec 2013 - Dec 2017
I managed the constant analysis of the loan portfolio of the bank and its dynamics, coordinated the proactive approach of credit risk and the evaluation of related stress-test scenarios I established the adequate processes to early identify impaired loans and I developed systems to monitor, manage and recover them I coordinated the internal process of evaluation and calculation of loan loss impairments according to IFRS and Romanian Accounting Standards provisions Involved in IFRS 9 development – simulations and preparation for implementation I elaborated periodical forecasts on provisions level, impact on bank’s P&L, delinquency and credit risk indicators in order to optimize portfolio quality I developed the internal credit risk policy, in accordance to the Group’s strategic objectives I managed the collateral evaluation activity I elaborated internal regulations and work procedures specific to credit risk management, in line with latest banking system regulations Show less
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Romanian International Bank
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Romania
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Banking
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1 - 100 Employee
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Head of Loan Administration and Recovery Department
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Jul 2010 - Dec 2013
I established the adequate processes to early identify impaired loans and develop systems to monitor, manage and recover themI coordinated the internal process of evaluation and calculation of loan loss impairment Project manager for implementing, at January the 1st, 2012, the policies of the International Financial Reporting Standards regarding the loan loss provisionsI prepared periodical reports, analysis, in dynamic structure, with the scope of providing support for decision making of the top management and as well for informing on the loan portfolio trend, its risks, the emergent risks and on the forecasted developmentsI elaborated the bank’s Strategy for the loan administration and recovery activity, by defining specific strategic objectives. Show less
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Project Manager (Controlling Division)
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Jul 2008 - Jul 2010
I have valued a consistent internal information database with the purpose of providing data, reports, efficiency analysis of bank’s products and services, both individually and compared to the average indicators in the banking system, both statically and dynamically, analysing the trends. I have provided studies on the financial performance of the bank, in support of the top management decision making process.
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Coordinator of Department Statistics and Risks Reporting
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Jul 2007 - Jul 2008
I continued the coordination of loan monitoring activity, managing a department specialized with the analysis of essential credit risk indicators and efficiency of overall credit processesI.I extended the efficiency analysis on all risks associated with the banking activity and I have been involved in the development and implementing of the bank’s risk profile, that quantifies and studies the credit risk, operational risk, liquidity risk, reputational risk and profitability risk. I have calculated and interpreted the level of the main financial indicators, broken down on the significant risks Show less
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Credit Officer
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Oct 2004 - Jul 2007
Responsible for verifying the correct loan classification and the calculation of loan loss provisions, along with their reporting to the National Bank of RomaniaI developed and implemented in the bank the internal Procedure of determination of impairment provision according the principles of the International Accounting Standard IAS39. I have managed this calculation of IAS39 provisions every year I developed internal informational systems of management of loan portfolio, support systems for permanent reporting to the top management of key data necessary for the decision making process in the credit activity Show less
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TUD Business Consulting
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Bucharest, Romania
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Financial Analyst
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May 2008 - May 2011
I collaborated with TUD BUSINESS CONSULTING, an entity specialized in the offering consultancy and financial analysis services for public institutions I have carried out financial analyses for municipalities and regional public administrations, consisting in: the analysis of main budget indicators and their comparing to the performance of other municipalities, analysis of performance indicators, calculation of present debt service. I collaborated with TUD BUSINESS CONSULTING, an entity specialized in the offering consultancy and financial analysis services for public institutions I have carried out financial analyses for municipalities and regional public administrations, consisting in: the analysis of main budget indicators and their comparing to the performance of other municipalities, analysis of performance indicators, calculation of present debt service.
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Education
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2011 - 2015
Academia de Studii Economice din București
Doctor of Philosophy - PhD, Business Administration -
2004 - 2006
Academia de Studii Economice din București
Master's degree, European Financial Policies -
2000 - 2004
Academia de Studii Economice din București
Bachelor's degree, Finance, Insurance, Banking and Stock Exchange -
2003 - 2003
Institute of Economic Studies Europe - IES Europe
Summer University of the New Economy (26th edition)
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