Enkeleida Avdullaj

• Led implementation of the global ERM framework, aligning risk appetite, governance, and reporting • Acted as strategic advisor to regional leadership, ensuring risks are managed within appetite • Established and maintained regional risk profiles, embedding pRCSA, KRIs, Risk Events, and risk assessments • Delivered risk reporting and insights to senior management and Risk Forums • Performed independent 2nd Line of Defence (2LoD) assurance • Led Business Continuity and operational resilience programs

• Led implementation of the global ERM framework, aligning risk appetite, governance, and reporting • Acted as strategic advisor to regional leadership, ensuring risks are managed within appetite • Established and maintained regional risk profiles, embedding pRCSA, KRIs, Risk Events, and risk assessments • Delivered risk reporting and insights to senior management and Risk Forums • Performed independent 2nd Line of Defence (2LoD) assurance • Led Business Continuity and operational resilience programs

• Developed regulatory frameworks for operational, outsourcing, business continuity, and information risk • Designed RCSA, KRIs, Risk Events processes and outsourcing governance structures • Defined risk assessment process for new/changed products • Implemented BC and information security tools

• Implemented operational risk and permanent control frameworks and policies • Led RCSA, KRIs, risk events, and risk reviews for new products/services • Defined and monitored controls and remediation actions • Delivered regulatory and internal reporting • Oversaw Information Security program and risk assessments

• Supported audit planning and methodology development • Led audits across key banking activities and internal controls • Reviewed audit work and supported team development • Delivered training and maintained stakeholder relationships

• Implemented Operational Risk and Permanent Control frameworks • Defined and monitored controls across the bank • Supported governance and Risk Committee reporting • Reviewed procedures from a risk perspective • Delivered staff training

• Managed financial control processes and accounting integrity • Supported budgeting and cost control • Ensured compliance with standards and regulations • Improved financial control systems

• Conducted audits across high-risk banking areas • Evaluated internal controls and compliance • Supported audit planning and advisory • Trained junior auditors

• Conducted audits across all banking functions • Evaluated internal controls and compliance • Supported audit planning

• Managed client relationships and transactions • Processed payments and loan documentation • Supported branch operations

Major Banking and Finance (GPA 3.36)