Zoran Vucelic

- Operational Risk Framework (key risks, risk indicators and limits, risk assessment and scenario analysis) - OpRisk Data Base - Network of Decentralized Operational Risk Officers (approx. up to 25 employees) - Internal Control System (assessed and tested more than 50 processes) - Process management and diagrams with process management tool - Risk Assessment-Appetite-Limits-Utilization - Sales credit and assets targets steering - Market and Liquidity Risk steering Steering - Regular, Ad Hoc reporting

Operational Risk and Internal Control System - Policies development - Risk Assessments and Risk Scenarios - OpRisk Data Base management - Coordinated the network of the decentralized operational risk officers (approx. 50 employees); - Reported directly to the Management and Supervisory Board - OpRisk and ICS Steering Committee - Capital adequacy calculation - Delivered the trainings - Risk Governance implementation - Fraud Prevention Committee, Product Implementation Process (PIP), Outsourcing Processes

- Operational risk framework - Risk assessments and Risk Scenarios - OpRisk Data Base - Coordinated the network of the Local Operational Risk Officers (approx. 25 employees) - Handled the Operational Risk Committee - Reported to the Management Board - Capital requirements calculation - Annually Policies revision - Employees training - Business Continuity Management and Disaster Recovery Plan. - Evaluated the credit standing of the client, - Restructuring plan, Repayments and Enforcement.

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.