Susana Spanoche-Lanko

SUSANA SPANOCHE - IANKO, MA, MBA CONTACT Lervigbrygga 291, H208 Stavanger 4014, Norway Tel:- Email:- OVERALL DESCRIPTION Banking & Finance professional with more than 10 years of experience in the biggest financial groups in Europe, with extensive expertise on investment strategy and portfolio profitability, banking regulation, Basel III / CRDIV implementation, completed by an MBA with focus on Banking & Finance. Led several 1+ mln EUR / 2-3 years projects meant to implement risk systems and strategic changes towards increasing portfolio profitability (project management training and experience),as well as IRB and banking license applications. Appreciated as a strong leader, as well as a team player. EMPLOYMENT EXPERIENCE Jun 2015 – Current Independent Consultant / Finance & Risk management Various contracts • offers consultancy and support to various financial institutions, in the areas of investment strategy, financial and risk management Feb 2014 – Apr 2015 Senior Vice President / Risk management Lendico Global Services / Risk management Division Berlin, Germany • • • supported the launch and development of the P2P business of Lendico on new markets, covering all topics related to portfolio strategy and risk management: application and underwriting process, fraud detection, collection strategies, portfolio management, hiring process, negotiations with potential partners and investors. lead the risk activities for Lendico Russian Federation, South Africa, Germany (SMEs), covering underwriting & approval process, fraud prevention, collection strategies. contributed to the application for a banking license in Sweden, by building the theoretical framework and providing documentation for all risk related activities, including Recovery and Resolution Planning Jan 2013 – Feb 2014 Head of Methods and Models Development ZAO Raiffeisenbank Russia / Integrated Risk Management Division Moscow, Russia • • • • • May 2009 – Dec 2012 supported yearly budgeting activities with portfolio profitability forecast, stress testing, capital and liquidity assessment and portfolio growth strategy built an Integrated Risk Management Framework within ICAAP/ILAAP processes developed the theoretical framework and supported the implementation of bank’s Recovery and Resolution Plan developed, implemented and monitored all models affecting credit risk retail and nonretail, market, liquidity and operational risk, integrated stress testing implemented risk based pricing methodology Risk Director / Basel II Manager Raiffeisen Bank International / Retail Risk Management Vienna, Austria • • • • • • • supported Croatia, Serbia, Russia and Belarus as country responsible for retail credit risk activities, including IRB applications and all interactions with regulators part of Methodology & Validation team, covering the development, validation and monitoring of more than 300 risk related models on Retail and Non-Retail portfolios (scorecards, PD, LGD, CCF, EC, RWA) in all RBI Group supported chosen NWUs in the IRB application process (Croatia, Serbia) developed a Risk Based Pricing methodology for retail portfolios within the RBI Group improved and maintained the stress testing methodology of retail portfolios within the RBI Group as conceptual owner supported IT department with business requirements for the implementation of risk related database in DWH gained expertise in system solutions implementation Dec 2007 Apr 2009 Senior Risk Analyst GE Capital – Global Decision Science Budapest, Hungary • • • • • developed & monitored all sorts of credit risk models, such as application, behavioural, collections, fraud scorecards built stress testing models to forecast economic shocks effects on bank’s portfolios implemented Reserves and loss models, Markov and Gross Roll Rates models for recoveries, Provisioning models supported Due Diligence activities developed a Risk Based Pricing methodology used for the assessment of portfolio profitability Apr 2007 Nov 2007 Research Consultant UniCredit Group – CEE Research Division Milan, Italy • • • built an econometric model that explains real estate trends in CEE using macroeconomic variables wrote a comparative study on the banking system in CEE countries forecasted macroeconomic trends for CEE countries, published in various Unicredit Group publications EDUCATION AND ACADEMICS 2010 – 2012 MBA / Banking and Finance Vienna University of Economics and Business / Executive Academy, Vienna / Austria 2005 – 2007 MA / Economics Central European University, Budapest / Hungary 2001 – 2005 BSc / Mathematics and Computer Science Ovidius University, Constanta / Romania Romanian English Norwegian Russian Spanish Desktop tools Graphic tools Programming LANGUAGE SKILLS Native Fluent B1 / B2 level Intermediate – constantly improving through courses Intermediate COMPUTER SKILLS Microsoft Office, Bloomberg AutoCAD SAS package (Base SAS, Enterprise Guide, Enterprise Miner), @Risk, Model Builder for Predictive Analytics, Model Builder for Decision Trees HOBBIES Fishing Reading / Collecting old books