Mag. Ciochina Ion

- overseeing risk management activities with regard to IRRBB, Counterparty and Country Risk on Group and Bank level - overseeing risk data projects on iRRBB, Counterparty and Country Risk - consulting Group banks on IRRBB, Counterparty and Country Risk - interacting with regulatory authorities, external and internal audit functions on IRRBB, Counterparty and Country Risk topics - coaching and monitoring junior team members

-responsible for IRRBB (model development, implementation of regulatory requirements, reporting to Management, risk monitoring) -analyzing bank requests for counterparty/issuer limits -developing data quality/plausibility checks, solving IT tickets on data quality issues within the banks -responsible for developing stress-test scenarios on IRRBB -supporting the team on liquidity risk and fx risk topics

-preparation of monthly risk reports: Liquidity risk, Liquidity Coverage Ratio, Net Stable Funding Ratio, Interest Rate Risk -preparation of monthly Bank Risk profile and ICAAP reports -updating annual stress-testing assumptions and evaluation of the Risk profile and ICAAP in stress case -daily monitoring of high liquid assets and interbank exposures limits

-preparation of local regulatory reports -development of internal reports -testing and validation of implemented technical changes to the management information system, data quality assurance

-financial consultancy and customer support to the assigned portfolio of SME clients -development of the assigned loan portfolio and portfolio quality management; -market prospection and new client acquisition in the assigned region, organizing marketing activities through various fairs and events; -providing of training to new team members. -preliminary credit risk analysis, preparation of credit files and holding credit committees

-monitoring steel market development in the EMEA region (long, wire and structural products) -market research and development of market expansion strategies -coordination of sales budget planning and realization of intra-group sales plans at local steel mills -coordination of logistics and freight delivery activities within the EMEA region -monthly intra-group pricing

-preparation of monthly risk reports: Liquidity risk, foreign currency risk, Interest Rate Risk -preparation of quarterly general risk reports to the Group -preparation of documentation (reports, analyses) for the risk management committee

-performing audit engagements throughout the network of the bank -fraud investigation -writing audit reports and providing recommendations for improvement, follow-up engagements on implementation of recommendations -implementation of group audit standards

-performing external control engagements within the banking sector (assessment of the quality of loan portfolios, evaluation of adequacy of internal control systems, checking of compliance of internal rules with central bank requirements, with a particular focus on applied anti-money laundering measures); -writing reports, providing corrective measures

-litigation and lawsuits -development and update of framework contractual agreements (sales agreements, purchase agreements) -preparation of documentation for tenders -keeping staff personal records and timesheets

Business Law

Accounting and audit