Barbara Raus

Leading the team (2 employees). Full responsibility for the mandated policy portfolio, including the development of the new Target Policy Framework, mostly available in four languages. • Achieved full integration of legacy divisional team into the global set up. • Enabled full analysis of Swiss Bank credit policy portfolio.

Acted as interface and coordinated external regulatory audit. Facilitated audit inquiries. Developed the monitoring of audit points affecting policies. Continued to manage the former policy portfolio. Organized and harmonized the analysis of legacy divisional documents by mapping them to the new bank’s organization and globally applicable Target Policy Framework. • Regulatory audit requests successfully coordinated. • Global project on new Target Policy Framework kicked off, impacting approx. 240 documents.

Led the divisional team (2-3 employees and ext. contractors). Full responsibility for divisional policy and control framework including their compliance with regulatory requirements. Key person in briefing the divisional Chief Credit Officer in any policy related matters. Key person in discussions with audit, also by ensuring read across of audit points and establishing lessons learned. Key player in diverse regulatory and strategic projects. • Promoted to VP title in 2019; promoted to DIR title in 2022.

Created and maintained credit guidelines and regulations. Managed Swiss standard credit contracts and formalities. Acted as subject matter expert on selected projects and Deputy Team Head. • Governed the divisional Swiss Credit Policies (approx. 90 documents in four languages). • Maintained and enhanced all templates for credit contracts and forms (approx. 120 formalities in four languages) and implemented new ones (e.g. EU Mortgage Credit Directive).

Analyzed business requirements. Processed customer issues in the credit area. Supported new clients to adapt to Avaloq Banking Suite. • Processed and solved customer issues, including those requesting deep business analyses.

Developed new monitoring process. Assisted the setting up of standard guidelines. Conducted analysis of portfolio quality and monitored development of credit risk. Managed past due and outstanding loans. Ensured credit classification and related capital allocation. • Implemented loan monitoring process. • Ensured personnel training on loan monitoring and classification.

Within the newly created bank, assessed and developed lending products and processes/controls in the bank transition between Unicredit Group and Poste Italiane Group. Acted as appointed member of the new bank “creation” task force. Supported the project management team. • Contributed to go-live of the start-up by defining the loan products for Small and Medium Enterprises proposed by the branches of Poste Italiane and the related processes.

Main responsibilities: • Assure portfolio quality and provide expertise on non-performing loans • Manage and monitor proper credit utilization • Coordinate legal actions supported by external experts • Leading a team of 4 employees

Main responsibilities: • Develop policies (according to the rules and regulations of the Bank of Italy and the Basel Committee) • Coordinate process analysis and update of Standard Operating Procedures and internal control system • Leading a team of 3 employees

Main responsibilities: • Rollout and support of external clients for the transition to the Cedacri software system • Responsible of training sessions and preparation of training materials and user manuals for the Cedacri Bonds software system