Karen Ruiz Gutiérrez

Regional FP&A MFS at Tigo Money
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Contact Information
us****@****om
(386) 825-5501
Location
Panama, PA
Languages
  • English Professional working proficiency
  • Spanish Native or bilingual proficiency

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Karen has a great capacity for analysis from the operational and financial point of view, which allows the organization to identify opportunities to be more sustainable and profitable. Plus, her quality of person makes her an excellent leader colleague and friend.

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Credentials

  • Fintech Revolution: Transformative Financial Services and Strategies
    The Wharton School
    Jan, 2022
    - Sep, 2024
  • The Future of Payment Technologies
    University of Michigan
    Sep, 2021
    - Sep, 2024

Experience

  • Tigo Money
    • Panama
    • Financial Services
    • 1 - 100 Employee
    • Regional FP&A MFS
      • Aug 2021 - Present
  • Atlantic Security Bank
    • Regulatory Project – Deputy Manager
      • Aug 2020 - Jul 2021

      Responsible for managing the creation of policies required by the Superintendency of Banks of Panama (SBP) and by the Corporation. - Coordinated the creation and approval of 120 normative and internal documents from 10 different areas in a period of 3 months. Responsible for managing the creation of policies required by the Superintendency of Banks of Panama (SBP) and by the Corporation. - Coordinated the creation and approval of 120 normative and internal documents from 10 different areas in a period of 3 months.

    • Market and Liquidity Risk Deputy Manager
      • Sep 2014 - Aug 2019

      Responsible for supervising the exposure to Credit, Market, Liquidity and Solvency Risks of the Investment Portfolio and the Structural Position of the Bank (ALM), performing financial statements forecasts under 3 stress scenarios to analyze the Bank's solvency and liquidity, and managing deviations in the risk limits, presenting action plans to the Risk Committee.- Developed the Risk Appetite and Tolerance Framework, as well as 12 quantitative indicators and their limits, aligning the strategic objectives across the front office, treasury, finance teams, and the Board of Directors’ goals.- Led the implementation of Classification and Measurement of IFRS 9 in the investment guidelines (country, rating, counterparty, sector) of the 5 proprietary portfolios managed by Investment Banks of the United States. As a result, it was possible to reduce the economic capital requirement by 30%.- Implemented the High Quality Liquid Assets Methodology (HQLA) in the Liquidity Coverage Ratio, Net Stable Funding Ratio, and Liquidity GAP.- Supervised the capital requirement for Market, Credit, and Operational Risk, measured under the Basel II approach (Pillar I) and Economic Capital (internal methodologies).- Led a team of 3 Analysts, promoting their professional development to create value propositions for Senior Management. Show less

    • Market Risk Senior Analyst
      • Apr 2012 - Aug 2014

      Responsible for evaluating and monitoring the Market Risks of the Investment Portfolio and the Bank's Structural Position (ALM), in accordance with the Risk Appetite and Tolerance Framework and the capital requirements, measured under the Basel II approach (Pillar I and II - Self-Assessment of Capital Sufficiency - ICAAP) and Economic Capital (internal methodologies). Responsible for monitoring the market prices of fixed income and variable income and valuing the portfolio of derivatives.- Supported the implementation of new corporate methodologies for Trading Risk (historical VaR, Stress Tests) and Economic Capital (historical stressed VaR).- Increased efficiency by unifying data sources and reducing the steps in the reporting process for the Board of Directors, Risk Committee, ALCO, and Investment Committee.- Managed compliance with the risk and concentration limits (country, rating, counterparty, economic sector) of the 5 investment portfolios and presented the results and action plans to the Investment Committee and the Risk Committee.- Led a team of 2 Risk Analysts and 1 Technology Analyst, in charge of preparing the monitoring and automation reports, respectively, guiding them in their professional development. Show less

    • Corporate Risk Senior Analyst
      • Mar 2011 - Apr 2012

      Led the Corporate Risk Management Project in order to establish a Corporate Governance Framework to ensure the best risk management practices among 4 out of 5 companies.- Created the first version of the Corporate Risk Policy and Corporate Governance Framework working together with 3 senior risk managers.- Coordinated periodic risk management evaluations performance in 4 subsidiaries and created detailed one-year action plans along with senior risk specialists and managers.- Designed specialized risk committees to facilitate a better level of integration and communication across 15 risk units within Credicorp. Show less

    • Market Risk Analyst
      • May 2008 - Feb 2011

      Responsible for valuing the fixed income instruments and derivatives of Credicorp Ltd., and monitoring the Peruvian fixed income market and preparing regulatory and internal reports.

  • Telefónica
    • Spain
    • Telecommunications
    • 700 & Above Employee
    • Controller
      • Dec 2007 - May 2008

      Performed the budget to actual variance analysis to explain the deviations found and propose the corresponding adjustments. Additionally, I participated in the preparation of the Annual Forecast considering the changes in the company's strategies. Performed the budget to actual variance analysis to explain the deviations found and propose the corresponding adjustments. Additionally, I participated in the preparation of the Annual Forecast considering the changes in the company's strategies.

Education

  • Hult International Business School, Boston, MA
    Master of Business Administration - MBA, Finance
    2019 - 2020
  • Institute for Social Banking
    Certificate in Socially Responsible Finance, Certificate in Socially Responsible Finance
    2014 - 2015
  • Universidad Peruana de Ciencias Aplicadas, Lima, Peru
    Bachelor, Business Administration and Finance
    2003 - 2007

Community

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