Julien Lagalle

• Assess credit risk of major corporate clients on the French market based on financial documentations, transactions history, and press releases to adjust credit limits and mitigate risk exposure. • Audit clients’ processes to identify pain points and offer solutions to streamline payment procedures and align these to respect payment standards imposed by Airplus.

• Ensure all supporting documentation is provided to comply with CRA requirements and trust regulations. • Administer and process product specific financial and non-financial transactions in keeping with current legislation. • Analyze documentation, prepare, process, balance, reconcile and ensure quality control of all regular and complex financial and non-financial transactions. • Collaborate with team members and management to improve processes and monitoring of assets entrusted.

• Developed company’s underwriting policies and checklist to approve new merchants.. • Ensured company remains compliant with industry standards and regulations. • Created reporting tools to monitor merchants risk on a daily basis enabling early warnings and additional scrutiny. • Delivered weekly. monthly and ad hoc reports to management • Coordinated a weekly risk meeting with COO, CFO and Legal Counsel. • Updated policies and provided training to account managers and front end staff.

• Monitored a portfolio of at risk merchants to asses credit risk and take actions to minimize credit loss exposure. • Performed a thorough review of merchants inclusive of credit reports/scores, financial documentation and history. • Performed monthly review of portfolio to update reserves in compliance with company’s standards and industry regulations. • Conducted project to improve NPS by 17% on French and Spanish markets. • Participated in new hires training, both in class and in mentoring

French-US Business Administration

French and European Business Law