Experience

Consilia Business Management

• Italy
• Business Consulting and Services
• 1 - 100 Employee

• HEAD OF BANKING AND FINANCIAL INSTITUTIONS Dep.

  • Jan 2016 - Present

  Management and coordination of the following activities: - Advice many of the largest and most systemically significant and non banking entities on regulatory implementation, rescue operation, recapitalization or regulatory transformation. Support in Banking Establishment, Mergers and Acquisitions; - Support in the implementation of an Internal Control System and the relative internal audit function, Internal Audit Outsourcing; - Support in the implementation of Risk Appetite Framework and Risk Management models required for the compliance with new regulations; - Create and maintain the foundation and develop on an ongoing basis Risk Management requirements (Credit, Market, Liquidity & Operational Risk) in conformity with market best practice and regulatory norms leading to the creation of an Enterprise-wide risk management platform; - Development of measurement methodologies relating to different products and exposures; Prescriptive exposures management monitoring, Portfolio monitoring and management to identify concentrations, outliers and stress testing to assess appropriate provisioning requirements etc.; - Support development of risk strategy for endorsement by the Board and its ongoing monitoring; - Verify the adherence to the requirements of the new regulatory framework (Basel 3, IAS, Mifid2, Mifir, Anti-money laundering, Market Abuse, Transparency, Usury, Privacy, etc.); - Design the new IFRS-9 based operating model, including portfolio classifications, impairment calculations, disclosures, etc. and provide interpretation on all aspects of the IFRS 9 standard; - Credit Process redesign, Credit due diligence, Business process re-engineering, pricing strategies definition; - Support the management to prepare defensive counter-arguments after Central Bank inspections. Show less



Unipol Banca Spa

• Italy
• Banking
• 300 - 400 Employee

• HEAD OF RISK MANAGEMENT & CREDIT MONITORING

  • Nov 2013 - May 2015

  Management and coordination of the following activities: - Plan, design and implement an overall risk management process for the Bank. - Establish and quantify the Bank’s risk appetite. - Ensure effective and efficient management of the Operational Risk environment. - Ensure effective and efficient co-ordination of the implementation of BASEL III requirements. - Identify and analyze areas of potential risk to the financial resources, assets, earning capacity or success of the Bank - Identify key risks and mitigating factors of potential investments, such as asset types and values, legal and ownership structures, professional reputations, customer bases or industry segments - Report risk events/incidents in an appropriate manner to the Board on the most significant risks as well as the staff to understand their accountability for individual risks consistent with best practices - Develop and implement risk-assessment models and methodologies - Provide support, education and training from time to time on emerging risk management processes to build and consolidate risk awareness in the Banking Group. - Develop and update an internal model method. - Produce reports and make presentations that outline findings, explain risk positions and recommend actions/measures to mitigate the incidence of any inherent risks - Ensure the overall implementation of the Bank’s risk management policies and procedures. - Verify the loan loss reserves adequacy. Show less



Gruppo Unipol

• Italy
• Insurance
• 700 & Above Employee

• HEAD OF RISK MANAGEMENT & CREDIT CONTROL

  • Jun 2006 - Oct 2013

  Management and coordination of the following activities: Concerning Risk Management Office: - Implementation of application named “Credit Capital Management”, useful for measurement of minimum capital requirement for credit risks, concentration risks, counterpart risks, simulations and stress test. - Implementation of the application named “ALMPro” (Prometeia) finalized to management assets and liability of the bank. - Reporting concerning the gap analysis for sensitive balance sheet entries to the rate variations and duration gap. - Implementation of application named “OBJFIN” and reporting useful to control the activities of the Treasury and Finance Department in terms of market risks. Definition of the limits used to market risks control. - Shift sensitivity and scenario analysis. - Responsibility for the Internal Capital Adequacy Process (ICAAP). - Responsibility for BancaSai S. & P.’S rating project. Concerning Credit Control Office: - Study and development of reporting concerning the situation and trend of credit portfolio. - Implementation of credit monitoring activities: overdrafts control, unsolved repayment, return on effects and invoices, black list from public and private databank, other situations of default. - Implementation of the “Internal Rating System”, transition matrix, migrations and downgrading, definition of the pricing risk adjusted. - Periodic credit review, credit analysis in presence of downgrading and other negative information producing a worsening of clients ratings. - No-performing credit process management: client visits, establishing the methods and administrative procedures to be used for recovery credits. - Impairment for individual asset or portfolio assets (IAS). Show less



Meliorbanca

• Italy
• Banking
• 1 - 100 Employee

• Head of Credit and Legal Risk Department

  • Jun 2002 - Jun 2006

  Responsibility of Credit Monitoring and Legal Department that includes Credit Control Office and Litigations and Recovery Credit Office. Management and coordination of the following activities: - Credit Secretary: checking of contracts and verification of the conditions before loans supply (collateral, covenant, etc.), in respect of deliberations. - Credit databank management: direction of activities concerning the Bank of Italy Supervisory System, CRIF data warehouse and other private databank. Management of the process about credit scoring and credit rating system. - Credit policies and rules creation, making use of Board of Directors and Managing Director guidelines. - Periodic monitoring concerning trends and performances of credit portfolio: M.I.S. for credit controls, supervisory of the process about bad credits classification. - Member of Meliorbanca Credit Committee and Meliorbanca Supervisory Credit Committee. - No-performing credit management: (debt collection, formal request of payment, visit at the bad clients locations, etc.), recovery plan composition. - Litigation credit management: analysis of write off clients and establishment of methods and administrative procedures to be used by outside lawyers. Show less



FCA BANK

• Italy
• Financial Services
• 400 - 500 Employee

• Credit Manager

  • Apr 2000 - May 2002



Banca del Piemonte

• Italy
• Banking
• 100 - 200 Employee

• Credit Supervisor

  • Dec 1994 - Mar 2000