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Slide 1: CURRICULUM VITAE – EU FORMAT 1. 2. 3. 4. 5. 6. Family name : Staicu First names : George Florin Date of birth: 22, 11,1958 Nationality: Romanian Civil status: Single Education: Degree(s) or Diploma(s) obtained: 1.Master of Science 2. Certificate of achievement 3. Certificate of achievement Institution [Date from – Date to] 1.1982 – 1987 Academy for Economics , Faculty of Finance-Accounting 2.1993 –Turkish Banks Association – 6 months scholarship for banking training 3. 1995 United States Agency for International Development – 4 months on the job training in US financial-banking institutions : 1 commercial bank, 1 federal savings bank, 3 credit unions and 1 investment company 4.1995 Graduate of the Staff Training and Recognition Program (STAR) :certificates of achievements in the following areas : Credit Union Orientation , Member relations, Credit Union Security, Negotiable instruments, Member services, Cross selling, Loan interviewing, Loan processing, Collections, Basic accounting, Accounting for credit unions and Credit union financial analysis 4. Certificate of achievement 7. Language skills: Indicate competence on a scale of 1 to 5 (1 - excellent; 5 - basic) Language Romanian ( native) English French German Italian Reading 1 1 2 5 5 Speaking 1 1 2 5 5 Writing 1 1 3 5 5 8. Membership of professional bodies: • Microfinance and the financial crisis Dgroups (Development through dialogue). (Dgroups current partners include WorldBank, UNDP, Food and Agriculture Organization of the United Nations (FAO), Department for International Development (DFID), UK Bellanet, DFID, Hivos, ICA, ICCO, IICD, OneWorld, UNAIDS. Dgroups’s member organizations include CGIAR, CIDA, CTA, Danida, FAO, IDRC, INASP, KIT, SNV, Sida, SDC, and UNECA.) • • • • • • Consultative Group to Assist the Poorest/Microfinance Gateway – member of the CGAP/MG’ s pool of consultants in microfinance European Savings Banks Group - member of the Management Committee – 11. 1997 – 03.2002 European Savings Banks Group/World Savings Banks - Banking expert of the starting December 2002 Global Development Network - Research member – starting November 2002 USAID Microlinks – member of the consultants pool –starting January 2005 Global Association of Risk Professionals (GARP) – Affiliate Member – December 2005 Professional Risk Manager’s International Association ( PRMIA) – Member – December 2005 European Financial Management & Marketing Association The Blue Chip Experts – Member – October 2007 The Worldwide Management Consultants – Member – October 2007 Gerson Lehrman Group – member of the consultans’ pool – 2007 Society for Industry Leaders – member of the consultants’ pool - 2008 • • • • • • – Member – November 2006 9. Other skills: (e.g. Computer literacy, etc.) • • • Microsoft Office (Word, Excel, Powerpoint, Access) Lotus notes GAAP , IAS, IFRS and CGAP principles knowledge and experience External IAS audit relationship management Knowledge of the EU & WB procurement of services procedures Project management • • • 1
Slide 2: • • • • Financial modeling Designing technical offers and terms of references for projects funded by EU, World Bank and other international financial institutions Designing monthly and quarterly reports for the consulting/technical assistance projects funded by EU, World Bank and other international financial institutions Ability to learn, logical reasoning, abilities to analyze and synthesis, technical thinking, spatial representation, mathematical reasoning, abstractive ability , logical and analogical reasoning, numerical and verbal memory, creativity, flexibility, abilities to analyze and organize, to work under stress, to motivate colleagues and subordinated staff, to take decisions, to negotiate, to coordinate and to meet deadlines, interpersonal communication ability, team player 10. Present position: Freelance consultant 11. Years within the firm: self – employed consultant since July 2003 12 Key qualifications: Know-how and practical managerial skills and experience in the following main areas: banking, micro - banking, microfinance, community development, rural finance, agricultural lending, e-banking, bank cards; risk management; stock-exchange organization & regulation, stock-exchange investments, management of mutual and pension funds; Micro & SMEs management; Credit bureaus ; MFI donor fundraising and reporting, bank regulation and supervision, public finance, local public finance & administration, policy & procedures designing and implementation; European Union legal framework; project management; training seminars presentation; EU Phare/Europe Aid, World Bank, French Development Agency, UK DFID (Know-How Fund) consulting funded projects . My specific expertise covers areas such as: • institutional building of financial institutions (banks & MFIs) in less developed, post-conflict, developing or transition countries/ regions, covering the following areas:  corporate governance;  business strategy, planning & budgeting;  micro & SME lending;  reporting for internal and regulatory compliance purposes;  asset & liability management;  performance analysis & management;  branch management & bank branch network performance management/monitoring;  internal & external audits;  risk management [ (Basel II Accord – pillars 1, 2 and 3) credit risk, market risk, operational risk as well as strategy risk, compliance risk, technological risk, money laundering risk];  advanced knowledge of GAAP, IFRS/IAS, CGAP microfinance principles, EU MiFID, US Sarbanes-Oxley, US FFIEC Uniform Bank Performance Report, US FFIEC Advanced Capital Adequacy Framework Regulatory Reporting Requirements, US FFIEC Market Risk Framework Regulatory Reporting Requirements, and ISDA Credit Support Annex regulations;  knowledge of Basel II Accord risk management compliant software packages produced by Cognos, Business Objects, Sungard, SAS, SAP Algorithmics, Information Builders, Oracle, IBM etc;  knowledge of new technologies for bank management (CPM, BI, EWRM, EAI, CRM, ERP, SCM, Six Sigma, Hoshin Kanri, etc. developed by Cognos, SAS, Oracle/Siebel, SAP, Algorithmics, Business Object, Sungard, Hyperion etc) for regulatory and management reporting (including balance scorecards & dashboards), risk management, asset & liability management, planning, budgeting, forecasting, performance, branch, product& customer profitability and total quality management;  Fund Transfer Pricing & Activity Based Costing methods for loans and savings costing and profitability analysis as well as for branch network performance and organizational analysis, management & restructuring;  drafting technical requirements pertaining to ToR / RFP for the procurement of modern bank management software applications (CPM, BI, EWRM, EAI, CRM, ERP, etc);  financial & managerial accounting; corporate finance; financial modeling & analysis;  lending and savings products and services; bank cards;  private banking & asset management; structured products (financial derivatives) ;  correspondent banking, cash management;  loan cash flow planning; internal control systems;  IT audit;  credit analysis; project financing; trade financing;  marketing management; customer relationship/profitability management; knowledge of Dynamic Digital Signage software (Info Channel by Scala).  human resources management; staff incentive schemes (including loan officers bonus schemes);  change management;  administration management;  micro-banking and microfinance products and services;  microfinance cmanagement; microfinance strategic planning; microfinance annual budgeting & operational planning; microfinance assets & liability management; microfinance financial analysis; microfinance internal & external audits;  microfinance accounting & loan tracking software;  microfinance impact studies; microfinance donor fundraising and reporting microfinance administration management; • Micro & SME: management/business planning / international business/legal & insurance/ risk management/finance/accounting/marketing & sales/ HR/IT; SME lending / cash-flow based lending; SME financing (external credit lines from International Financial Institutions on-lent to local banks); SME Credit scoring; SME Credit Guarantee Schemes/Funds; Credit bureaus; the Bologna charter on SME policies; Specifically , the following areas can be covered:      Designing/Refining of MSME lending policies and procedures MSME lending strategies (Cash-flow based lending; Customer segmentation; Product differentiation; Formation of MSME clusters; Channel finance) ; MSME financial & credit analysis (Credit culture; Steps in evaluating credit requests; Financial analysis - purpose and basics; Information for financial analysis; Standards for comparison; Tools of analysis; Horizontal analysis; Comparative statements; Trend analysis; Common-size statements; Ratio analysis; Liquidity and efficiency; Solvency; Profitability; The Du Pont system; Cash flow analysis; the C’s of credit analysis: Capital, Character, Capacity, Conditions, Collateral ; Credit assessment & Risk grading); Identification of MSME risks (Financial risk; Management risk; Structural risk; Security/collateral risk; etc); Basel II Internal Based Rating implications on credit scoring and MSME lending; MSME financing needs ( overdrafts; credit lines; working capital; trade finance; export credit insurance; term finance; supplier credits; venture capital; Factoring; Leasing ); Types of MSME loans (Loans for start-ups and existing MSMEs; Micro-finance type loans/micro-loans : group loans; individual loans; village banking; SME type loans; Working capital loans; investment loans, etc); Commercial banks microfinance programs; 2
Slide 3:       Selection and training of MSME loan officers (including through the use of “assessment centers”) MSME marketing (Marketing Management; Strategic Marketing; Market research; Market segmentation; Objectives of strategic planning; Annual marketing planning; Customer relationship management; Selling-cross-selling-up-selling); Product Development for MSME (Product mix, Product design, Product development goals, Product life cycle, Product pricing policy, Product pricing objectives, Product base price, Product pricing strategies, Pricing examples from the field; Bank products and services for MSME customers (Bank accounts and services; Investment services; Pension / Retirement products ; Online Banking ; Insurance services; Banking services for SME Human Resources area; Factoring; Leasing; Franchise financing; Small Business Resources center / Advisory services); MSME credit guarantees schemes; Credit Rating agencies. • Public finance management :  budgeting; state treasury organization and management;  financial management and control  internal control system  internal audit  internal/external public debt management, DMFAS program;  cash & debt management; fiscal policy & management;  anti - tax evasion policy & management;  customs policy and management;  public procurements;  local government structure and funding;  electronic payment/settlement system;  designing and implementation coordination of accounting/treasury software and MIS; • Drafting legal framework in the areas of:  banking,  microfinance,  commercial business,  public finance;  investments management, mutual funds, pension funds; • Investment management: good knowledge of stock-exchange organization, regulation & investments, East – European stock-exchanges, investment strategies, technical & fundamental analysis, stock-exchange indexes – NYSE composite, Dow Jones, S&P, FTSE, DAX, Nikkei, etc.; good knowledge of pension funds management; good knowledge of mutual funds management • Training seminars organization and presentation in the areas of retail banking, micro-banking, microfinance, MSME management, public finance, policy designing and implementation, global mobility and workforce relocation management and training, etc. The delivering of training seminars is based on the applied knowledge of pedagogical and mainly androgogical approaches to teaching and learning. (andragogy = art or science of helping adults learn – term introduced by Malcolm Knowles) ; Therefore the methods utilized during the training sessions takes into account several factors such as: role of the learner’s work experience and knowledge ; the learner’s readiness to learn, orientation and motivation for learning (adults decide for themselves what is important to be learned; adults have the need to validate the information presented based on their beliefs and experience; adults expect what they are learning to be immediately useful ; the adult learner is self-directed, responsible for his/her own learning; the adult learner brings a greater volume & quality of experience.; the adult learner’s self-evaluation is characteristic of this approach ;the adult learners want to perform a task, solve a problem, live in a more satisfying way; adult learning is organized around life/work situations rather that subject matter units; adult learners have specific internal motivators: self-esteem, recognition, better quality of life, self-confidence, self-actualization). Consequently the training seminars are designed and delivered based on the previously identified training needs (training needs assessments) and androgocical training methods are utilized in order to obtain a full satisfaction of the adult trainees. 13. Specific experience in the region: Country Romania Kosovo Romania Vietnam Romania Kosovo Date from - Date to 1998-2003 2003 -2004 2004-2006 2006 -2007 2008 – January - March 2008 – June- August 14. Professional experience Duration Location Company Position Description (Project, Task) June – Pristina _ GFA -Consult- Microfinance Fin- Project : Financial Management support to KosInvest-World Vision Internaancial & Risk Man- tional - Kosovo (a Micro Finance Institution); Funding agency: European November Kosovo ing agement expert Fund for Southeast Europe 2008 Responsibilities: a) b) c) d) Coaching the management team (especially the CFO)in the areas of risk & financial management / modeling. Organize dedicated training on costing, risk & financial management / modeling to relevant staff; Install costing, financial management / modeling and controlling tools, including liquidity management; Install an extended ALCO and risk management policies and procedures focusing on financial risks (review and upgrade of procedures and job 3
Slide 4: Duration Jan – March 2008 Location Company Position Finance Expert Description (Project, Task) descriptions, coaching of ALCO meetings) Project : Romanian Border Police & Romanian National Custom Authority (RNCA) RO2005/017-553.03.04.01.04 "Development of the Romanian Border Police (RBP) and National Customs Authority(NCA) Internal Control Function, Romania " financed by EU Phare Responsibilities a) support the border police and the customs authority in their long term objectives and to put in place the framework for ensuring the respective institutions’ self-sufficient sustainable capacity for designing and implementing a comprehensive and coherent strategy for the internal control function; increase the institutional capacity to realize an effective management of internal control as a management function. organization-wide assessment of the RBP and NCA managerial capacity to adopt and implement an appropriate Internal Control function and selecting the relevant staff to create the Training Target groups. organization and delivery of training seminars in the area of Public Internal Finance Control to 600 employees of RBP & NCA Bucharest -Ro- Sofreco mania (France) b) c) d) Vietnam Bank Banking expert for Agriculture and Rural Development Aug 2006 - June 2007 Hanoi Project: Intra-bank payment and customer accounting system phase 2, (IPCAS) ; funding: World Bank & the French Development Agency: Responsibilities: advise/support the Vietnamese Bank for Agriculture and Rural Development – Hanoi, in reviewing current business strategy; restructuring the HQ and branches in line with the new business strategy and the new banking application; defining reporting requirements that meet international best practices; advising on banking operations and bank internal regulations; providing recommendations for the bank modernization and international integration; preparing training assessment report; presenting seminars on Management of modern bank; Modern banking business; Advanced Technologies in Banking, Risk management (credit, market, operational, strategic, technological, compliance, money laundering risks) including Basel II Accord and Sarbanes –Oxley) Achievements : Sept Romania 2005- May 2006 July 2003- Kosovo Dec 2004 Ministry of Public Finance - Romania Kosovo Enterprise Program July 2003- Kosovo Kosovo Enter- Present a seminar on bank strategic planning Reviewed and refined the Technical Requirements of the draft Direct Contract related to the functionalities of the banking software to be purchased. The refinements were related to the areas of banking products and services, lending, savings, costing & pricing of bank products using ABC method, risk management, etc. as well as a substantial enhancements of the main reporting module based on the latest web-based banking technologies (Business Intelligence / Corporate Performance Management, Enterprise Wide Risk Management, Customer Relationship Management) and on the requirements pertaining to the Basel II Accord and IFRS / IAS. 3. Preparing recommendation reports in the following areas: a) business strategy b) restructuring the bank organization chart based on the lean principles, on the customer/ market centric approach and on the integrated view of the risk management (which at that time in VBARD was partially non-functional, incomplete and traditionally silos based) as well as of the business strategy, planning/budgeting, monitoring and reporting processes. c) refinement of the corporate governance, risk management (including Basel II compliance), internal control systems , internal audit ( including the draft charts for the Group Risk Management Committee, Internal Audit Committee, Compensation Committee and Corporate Governance & Nomination Committee) d) drafting the Asset & Liability Management and Investment policies Finance-account- UE Phare/Europe Aid project: Improving the State Treasury management system of the Ministry ing(Treasury) ex- of Public Finance -Romania , Diagnostic study of the State Treasury legal framework ,organizapert tion, IT systems, MIS, risk management; internal policies and procedures; improvement of the organization and performance of the treasury system through the strengthening of capacity to manage the State’s financial resources, according to European standards in force. Finance & Admin- Institution building, development and transformation of KEP. Coordinating the designing and imistration Manager plementation of business strategy, annual operational plans/budgets. Designing of policy manuals in the areas of risk management, business planning (business strategy & operational plans /budgets), Micro& SME lending, finance-accounting, marketing, internal control (including external & internal audit), loan portfolio risk management, administration; Coordinating the designing & implementation of new loan products for Micro & SMEs ( including in the rural farming area) and services ( transfers, payments, consulting); Coordinating the designing of KEP web site structure and content;Coordinationg the designing, implementation and administration of KEP's MIS, accounting and loan tracking system;designing draft proposal for donor/investor fundraising for Micro & SME financing; meetings with Central Bank, Ministry of Finance, Tax Administration Office related to the microfinance legal framework area; setting-up of KEP's Training Center (market training needs assessment; training curriculla development; Presentation of training seminars for the staff of KEP, other MFI's staff, banks staff and for the micro & small entrepreneurs; Promotion strategy for the KEP's Training Center (market awareness); Managing the financial statements, budgets of the 7 branch network including all aspects of planning and implementation of financial targets, reporting, institutional representation, Finance & Admin- Organizing and presenting seminars ( including work-group case-studies ) at the Kosovo Enter- 1. 2. 4
Slide 5: Duration Dec 2004 Location Company prise Program Position istration Manager Description (Project, Task) 2002- July Romania 2003 1999-2002 Romania Romanian Savings Bank Romanian Sav- Director –Strategy Managing, supervising and coaching 30-person division staff in the area of business strategy, and Controlling Di- asset & liability management, risk management; designing and operational plans implementation, ings Bank vision drafting the annual consolidated budget and the branch network budgets, monitoring the bank prise Program’s Training Center in the following areas on “Business planning (business strategy and operational planning/budgeting)”; “Business – microfinance concepts & terminology”, “MFI management”, “MFI products and services”, “MFI loan portfolio and risk management” ; “Loans marketing” “MFI Accounting and management information systems”, “Fundamentals of accounting ”, “Financial – accounting”, “Financial statements analysis [ratios & credit analysis ( liquidity, efficiency, solvency, profitability)]” , “Financial mathematics ”, “MFI business planning”; “MFI marketing”; “Micro and SME credit and financial analysis;;” Micro & SME risk management”; “Decentralization measures in the accounting and administration areas”; “MFI branch network performance management” ; “MFI staff incentive schemes designing and implementation” ;”MFI rating systems and assessments”; “Micro & SME management , accounting/finance/marketing” . Advisor –Strategy Advising and designing reports in the areas of strategic planning, financial management, risk and Controlling management and branch network performance management; risks (credit, market, operational, reputation-money laundering), monitoring the financial and efficiency performance of the bank and of the branch network, designing bank products cost management accounting procedures etc. World Bank & Romanian Savings Bank joint training seminar on bank strategic planning and SME lending (credit analysis, collateral assessment, loan administration, non-performant loan management, loans work-out, lending risks, collateral enforcement 1998 Romania Romanian Sav- Trainer ings Bank 1997-1999 Romania Romanian Sav- Advisor to the Advising the bank president on the following issues: strategy and financial planning; preparing President studies concerning the competition analysis, international market trends, EU directives for the finings Bank ancial-banking sector; attending meetings with World Bank, IMF, EBRD, and other international and local banks and institutions (contact person); developing financial and operating costs structure analysis reports; bank's staff analysis reports; elaboration of the 1997 annual report; mass media press releases and advertising materials; contact person for the Romanian and International mass-media; preparing Romanian Savings Bank’s presentation materials for local and international publications: Piata Financiara ( the Financial Market) , Capital, and the Euromoney, Forbes , Leaders, Le Monde, respectively. Coordinating a 10 person office staff in the following areas: strategic marketing and marketing planning; product ( loans & deposits) and services development and monitoring; product and services costing and pricing; customer relationship management; market research; mass-media relationship management; a) Seminars on Financial and credit analysis “Project evaluation”, “ Corporate financial & credit analysis) 1996-1997 Romania 1994-1996 Romania Romanian Sav- Head of the Marketing and internaings Bank tional relations dept. Guest trainer & Romanian Banking insti- consultant b). Partner in the designing of the distance learning program tute 1990-1996 Romania Romanian Sav- Senior economist ings Bank a)Preparing the analysis reports concerning the number and balance of the non-for profit customer accounts Opening accounts for SMEs and non-for profit organizations b)Coordinating and advising the branch network for the related area of activity c) bank representative and counterpart for the KPMG and German Savings Bank Foundation for International Cooperation’s project team that was in charge with the World Bank funded project related to the Romanian Savings Bank’s analysis and restructuring study. 1988-1990 Romania Romanian Sav- Loan Officer ings Bank a) Preparing the customer mortgage b) Analysis of the creditworthiness of mortgage loans borrowers loan files c)Monitoring the mortgage loan files and the customer repayments’ performance d) On site customer inspection and collection of overdue mortgage loans e) Preparing proposals for the mortgage loan work-outs and collateral enforcement for bad debtors 15. Other relevant information (e.g., Publications) 15.1. Publications: Several articles / promotional materials published in the international ( Euromoney, Forbes, Financial Times, etc ) and Romanian (Piata Financiara, Economistul, etc) financialbanking newsletters and magazines on topics related to SME financing, financial and credit analysis, bank management, bank marketing and promotion, etc . 15.2. Contact Details: Permanent Address: 228 Calea Grivitei, bl. 4, sc.A, ap.10, sector 1, Bucharest, 010673, Romania Tel: 0040 21 6663042 Fax: Mobile Phone: 0040 722 652112 Email: george.staicu@yahoo.com Contact address (if on mission or different from permanent residence): Same as above. 5