Javier García

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Senior Risk Management Consultant

Qaracter

Sep 2022 - Current (2 years 11 months)

• Led the design and implementation of a comprehensive reporting framework aligned with BCBS 239 regulations, covering areas such as financial and management accounting, liquidity, credit risk, IFRS9, and ANACREDIT for a major French financial institution. • Developed and deployed a control system to ensure compliance with BCBS 239, adapting to both day-to-day operations and evolving regulatory requirements. • Assessed and defined business needs, translating them into functional specifications to optimize risk management and reporting processes. • Contributed to the establishment of a standardized data dictionary to enhance consistency and regulatory alignment across multiple reporting functions. • Identified inefficiencies in data and

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Senior Risk Analyst

Western Union International Bank GmbH

Mar 2019 - May 2022 (3 years 3 months)

• Lead analyst of South Europe region(Spain, Italy, France, Malta). • Approval authority of EUR 750k net exposure and EUR 7,5m derivative trading limit, and approval authority to validate portfolio restructures and rollovers. • Direct engagement with client's senior management (CFOs, heads of treasury) to discuss key financial factors affecting their company performance. • Reporting weekly directly to senior management and members of the Global Risk Committee. • Portfolio monitoring with daily, monthly and annual review cycle of existing exposure and internal ratings, accompanied with proactive ad-hoc industry and market trend analysis to assess potential impact on existing portfolio and enabling preventive measures. • Managed account

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Credit Risk Analyst

Corpay

Nov 2016 - Mar 2019 (2 years 5 months)

• Assessing credit worthiness of clients and prospects with a focus on investment funds and SMEs. • Approval authority of 100k net exposure and 1m derivative trading limit. • Performing ad hoc risk management reviews based on product risk (options and forwards) and portfolio analysis (hedge purposes, trading history and patterns, stress tests). • Evaluated and reported FX risks, designing mitigation strategies aligned with corporate criteria • Presenting cases and analysis to top executives during credit committees, where required. • Attending client meetings to gain a better understanding of the company risk profile and financial performance, and to address any matter of interest to support a credit assessment • Collaborated with in

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FX Dealer

FX Company

May 2016 - Oct 2016 (6 months)

• Pricing and executing Spot, Forward, Swap and other solutions in regards to cash flow and balance sheet hedging for clients ranging from SMEs to a large corporate clients'. • Providing valuable market guidance, knowledge and insight to effectively mitigate clients' FX exposure and thus hedge against adverse market conditions. • Construct and create various bespoke hedging strategies and solutions, tailored individually to achieve the objectives and goals of each client. • Keep clients up to date with market developments and provide useful market colour and creating daily market reports to be distributed to the entire client base. • Work closely with the sales team to devise value add sales pitches and solutions to increase and mainta

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Project Manager

Keltbray LTD

Nov 2014 - May 2016 (1 year 7 months)

• Liaising with members of the management team to ensure that suitable and sufficient work methods are developed in time to meet program constraints. • Development and authoring of demolition method statement and risk assessments. • Scheduling and preparing project programs (MS Project). • Co-ordinating the work of structural engineers, including the supply of relevant information.

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Junior Project Engineer

MultiobrasIzquierdo SA

Jun 2013 - Jul 2014 (1 year 2 months)

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Intern

Santander Bank Spain

Jun 2012 - Sep 2012 (4 months)

Javier García

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