Experience

Addiko Bank AG

• Austria
• Banking
• 100 - 200 Employee

• Expert, Group Outsourcing & Operational Risk Management

  • May 2022 - Present



HETA ASSET RESOLUTION

• Germany
• 1 - 100 Employee

• Group Operational Risk and Internal Control System Controller - Group Risk Management Division

  • Aug 2015 - Apr 2022

  Defining and implementing the processes and methods for identification, analysis and mitigation of the Operational Risk (including list of key risks, risk indicators and limits, risk assessment and scenario analysis). Managing the OpRisk data base by coordinating the network of Decentralized Operational Risk Officers (Local Entities and Heta AG level, approx. up to 25 employees). Producing documentation - policies, working instructions and manuals. Evaluating the Internal Control System based on ICS plan by identifying the controls and risks and defining the mitigation measures (assessed and tested more than 50 processes on Heta AG level), Set up the process documentation including process management and diagrams with process management tool. Managing the Risk Assessment in process of defining the Risk Appetite and Limits which covers all business units, together with steering the Risk Utilization. Risk assessment is implemented within the COSO and ISO standards by developing the all phases of the assessments: assessment criteria, risk assessment, risk prioritization and risk response. Ensuring proper steering and measuring of the sales credit and assets targets / KPIs on single / assets level, Monthly measurement and reporting of the risk relevant indicators, managing the portfolio based on defining the targets and strategies in alignment with business units. Support case management with identifying and correcting performance gaps to ensure goals maximization in line with the targets and strategy. Performing the Market Risk limitation, steering and appropriate identification, analysis, measurement. Developing and implementation of group-wide Liquidity Risk management standards up to modelling, calculations, limitations, stress testing monitoring and reporting. Steering and reporting on Cash Collateral, Derivatives and Securities. Regular (quarterly, annually) and Ad Hoc reporting to OpRisk Committee, Group Management and Supervisory Board. Show less



Hypo Alpe-Adria-Bank AG

• Austria
• Banking
• 1 - 100 Employee

• Senior Officer in Operational Risk Control, ICS and Risk Governance Department

  • Sep 2012 - Jul 2015

  Organizationally coordinated the Operational and Internal Control Unit with the main responsibility of implementation of the operational risk and internal control system framework according to the Group standards and National Bank regulations (policies, instructions, risk assessments and risk scenarios analysis); Supervised the operational risk loss data collection and Data Base within headquarter and branches; Coordinated the network of the decentralized operational risk officers in the Headquarter and Branches / Sub-branches (approximately 50 employees); Reported directly to the Management and Supervisory by managing the OpRisk Committee and ICS Steering Committee (on quarterly basis) as well as responsible for preparing and executing the other regular reports (monthly and quarterly); Calculated the capital adequacy according to Basic approach and reported to the National Bank (quarterly), assessed the capital adequacy calculation according to Standardized approach for internal use (annually). Strengthened the awareness of the operational risk by developing and delivering the trainings across the bank for decentralized operational risk officer and all employees (annually). Assisted to the Head of Division, CRO and Management and Supervisory Boards in the implementation of the applicable Risk Governance of the bank as defined in “HBSE risk governance rules”. Participated in the Fraud Prevention Committee, Product Implementation Process (PIP) as well as in Outsourcing Processes (monthly). Show less



KBC Bank & Verzekering

• Belgium
• Financial Services
• 700 & Above Employee

• Operational Risk and Business Continuity Manager / Account Manager in Bad Loan Department

  • Dec 2008 - Aug 2012

  Implemented the operational risk principles, methods for identification, analyzing and monitoring of the operational risk; Conducted (yearly) the Risk assessments and Risk Scenarios and steered (quarterly) the defined mitigation measures; Locally implemented and oversaw the OpRisk Data Base; Established and coordinated the network of the Local Operational Risk Officers (LORO; approximately 25 employees); Handled the Operational Risk Committee as well as Reported to the Management Board and to Group; Analyzed, calculated and reported the Capital requirements calculation (Basic Approach) to the Group and National Bank (quarterly); Annually revised the policies, manuals and reports; Trained the employees and increased the awareness and knowledge on operational risk topic. Devised and implemented the Business Continuity Management framework and standards as well as tested the Continuity Plan (annually); Collaborated in DRP (Disaster Recovery Plan) development and testing. Within Workout fields evaluated the credit standing of the client, established the contact and meetings with the clients / debtors in order to set up the proposals of measures for restructuring of existing obligations. As a part of the collection process was in charge for monitoring of repayment as well as enforcement of measures. Other duties included the coordination of New and Active Product Committee (as an operational risk assessor), Business and IT Committee (maintenance of the main projects within the bank) as well as leading role in the CSR activities (Corporate Social Responsibility). Show less



Raiffeisen banka a.d. Beograd

• Serbia
• Banking
• 700 & Above Employee

• Sales Officer

  • Dec 2007 - Dec 2008

  Achieved required sales targets for the loans (cash, consumer, car and mortgage) and credit cards; Generated the new and maintained the existing client’s deposits; Executed the acquisition of potential clients and site visit; Fostered regular communication with the clients; Carried out the insurance policies selling as a certified insurance agent. Achieved required sales targets for the loans (cash, consumer, car and mortgage) and credit cards; Generated the new and maintained the existing client’s deposits; Executed the acquisition of potential clients and site visit; Fostered regular communication with the clients; Carried out the insurance policies selling as a certified insurance agent.